Pension Access
Tax treatment depends on your circumstances and is subject to change.
Discover what you could do
with your pension from 55

With a regulated specialist by your side

Get the ball rolling today
We are authorised and regulated by the Financial Conduct Authority.
Why are people releasing pension tax-free cash?
In our experience, some of the most popular reasons for releasing pension money from the age of 55 include:

Helping to clear a debt.

To make home improvements.

Financial support for the family.

Pay off the mortgage.

Taking pension money early is not right for everyone as it will leave you worse off in retirement. That’s why it makes sense to get help from a regulated specialist.

Peace of mind in three easy steps

If you decide to make a change to your pension, including releasing some money from it, we will take care of everything for you.
Your permission
Complete the form below. This simply gives us your permission to check your pension.
We analyse
Our team gathers and analyses all the information we need about you and your pension.
Your decision
We will send a simple report explaining what we think you should do and why.
Your permission
Complete the form below. This simply gives us your permission to check your pension.
We analyse
Our team gathers and analyses all the information we need about you and your pension.
Your decision
We will send a simple report explaining what we think you should do and why.

We can help you avoid making any costly mistakes.

What types of pensions can we help you with?
Please note, releasing your pension money early shouldn’t be seen as an easy way to raise money.
  • Private pensions.
  • Company pensions.
  • Old company or personal pensions.
  • Many local government schemes, such as the LGPS (we can check if your pension is eligible).
Get the ball rolling today

Let's get the ball rolling today.

Complete the form below in full and click submit. This gives us your permission to begin our initial investigation into your pensions. You will receive a welcome pack explaining exactly how this works and what happens next.

    About you

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    Your pension plan details

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    Please list all of your pensions, including your current workplaceindication of current workplace pension one.

    Please select at least one pension provider

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    Identification

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    When contacting your provider(s) we need to provide the following information for identification

    Find your address:
    Type in your postcode or start typing your address then select from the drop-down list

    Additional information

    In case we have any questions

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    ..and Finally

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    Please select one option

    With this option we will request the information we need from your provider and wait for them to send it back to us. This can take longer to receive.

    If no option is chosen we will assume information only

    With this option we will only access the information we need electronically with many providers, significantly speeding up the process.

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    Summary & Submit

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    Make changes...

    Here is a summary of your application. Please check the details and click submit to proceed

    Your personal details

    Address

    National Insurance No.

    Date of Birth

    Phone

    Email

    Your pension plan details

    Pension provider

    Plan number (if known)

    Search permission

    Please provide Pension Access with information only

    Sign and date

    To the provider / Trustee / (ex)Employer: I authorise you to provide Harbour Rock Capital Limited of Affinity House, Beaufort Court, Rochester, Kent, ME2 4FD with assistance and information relating to all policies held.

    SignatureSigned digitally

    Date

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    Safety PadlockYour information is safe with us. Our calls are recorded for regulatory, legal and training requirements. Please see our privacy notice for information on our data practices here

    Note: We are unable to advise on the state pension or any pension you are already taking an income from.
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    Who we are and what we do
    At Pension Access, we specialise in providing clear, regulated financial advice to individuals over 55, guiding them through their pension options.
    • 97% of people who have reviewed us on reviews.co.uk would recommend us.
    • We manage over £600 million in pension savings for our clients.
    • We currently serve over 12,500 clients.
    • From the comfort of your own home – no office or home appointments.
    • Every 58 minutes someone asks us for help with their pension.
    • We operate under strict guidelines laid out by the Financial Conduct Authority.
    Pension Access is a trading name of Harbour Rock Capital Limited. Authorised and regulated by the Financial Conduct Authority, No. 754580
    What our clients say...

    Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 009 3388. Email: adviseme@harbourrockcapital.co.uk
    © 2025 Pension Access. All right reserved.