Pension Access
Tax treatment depends on your circumstances and is subject to change.
Get the facts about
your pension.
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Since the government introduced Pension Freedoms in 2015, so long as you have an eligible private or workplace pension, you have much more flexibility over how you manage your pension pot, from the age of 55.
  • You could be eligible withdraw your 25% tax-free lump sum.
  • Or choose a pension drawdown, where you receive a regular income from your pension pot.
  • You might just want to leave your entire pension pot invested, but change to a better performing scheme that could potentially give you more value for your hard-earned money.
A little about us...

We are a regulated financial adviser specialising in pensions.

At Pension Access, we believe that everyone should be fully aware of their pension options and be given correct advice you can trust before making any decisions that could affect your retirement.

We are authorised and regulated by the Financial Conduct Authority.
Taking pension money early is not right for everyone as it will leave you worse off in retirement. Tax treatment depends on individual circumstances and is subject to change.

“They helped me to release a tax-free lump sum. This helped me and my family become debt free, and I had money left over.”

Kevin, Somerset
Unsure where to start? Start today with a pension check that won’t cost you a penny

What you will get from your pension check

  • Find out if you can withdraw money early from your specific pension
  • Discover how much your tax-free lump sum could be worth
  • Get an overview of your options from one of our financial advisers
After that we will let you know how much it would cost for full advice. You can then choose to go ahead or walk away, better informed and with nothing to pay.

How to start your pension check today

Complete and submit the form below. This simply enables us to gather the information we need to check your pension. It does not commit you to a thing.

We are authorised and regulated by the Financial Conduct Authority. We follow strict rules around protecting our clients’ data.

    About you

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    Fields marked with* are required

    Please note that we may send sensitive information to this email address

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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

    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.

    Sign to approve

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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.
    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.