Unlock the Value of a Frozen or Dormant Pension
- Access part of your pension's value before age 55 - legally and safely
- Your pension remains fully invested for the future
- Free, no-obligation Pension Release Review to check your eligibility
- No income required from the pension to qualify
- Expert help with old workplace and personal pensions
How we can help
Could you release cash from an old work pension?
If you have an old work or company pension, it may be possible to release cash depending on your particular circumstances.
Read more
I want to retire early, what are my Pension Options?
It may be possible to release cash from your pension early.
Read moreRelease Cash from a Frozen or Dormant Pension
Do you have an old pension from a previous job that you're no longer paying into?
You're not alone - millions of people in the UK have what's often referred to as a frozen pension or dormant pension, and many don't realise that there may be options for accessing value from it before retirement age.
What Is a Frozen or Dormant Pension?
A frozen pension, also called a dormant pension, is a pension that's no longer active - meaning:
- You are no longer contributing to it
- It's not currently paying you an income
- It's often linked to a past employer or personal pension you've left behind
These pensions aren't lost, and they continue to grow over time depending on how they're invested. However, many people are unaware of what their frozen pension is worth or what options they have for managing it.
Frozen pension release is one of the most common services we offer - and it's completely free to explore.
Can You Release Cash from a Frozen Pension?
If you are under 55 and have a frozen or dormant pension valued at £40,000 or more, you may be eligible to receive a Pension Transfer Payment based on the fund's value, without losing access to your full pension at retirement.
Our service focuses on pension restructuring, which is a fully legal and compliant process. Rather than "cashing in" your pension (which is not legally allowed before age 55 unless due to serious ill health), your pension is transferred to another regulated provider, and a Pension Transfer Payment may be offered to you as part of the process.
Your pension remains invested and will still be accessible to you at retirement - so you are not sacrificing your future to meet today's needs.
Important: Be wary of companies that claim they can help you "cash in" or "sell" your pension. In most cases, withdrawing cash from a pension before 55 is not legal and may result in severe tax penalties and the loss of your savings.
Is Your Pension Still Active? That's OK.
Even if you are still paying into your pension, or it is not technically dormant, you may still be eligible for a Pension Transfer Payment - the key requirement is that you are not currently drawing income from the pension.
So if you're not yet receiving payments, and your pension meets the minimum value criteria, it's worth requesting a free review.
No Risk, No Obligation Pension Review
We offer a completely free, no-obligation pension review. There are no fees to speak to us, and if you decide not to go ahead after hearing your options, you won't be charged a penny.
Here's what to expect:
- A confidential review of your pension details
- A clear explanation of whether you're eligible for a Pension Transfer Bonus
- The chance to ask questions and make an informed decision - without pressure
Get started today - just fill out our free callback form and one of our experienced pension specialists will be in touch.
Frequently Asked Questions
Is it legal to access a pension before 55?
Withdrawing cash directly from your pension before age 55 is generally not legal unless you’re seriously ill. However, our pension restructuring service is a compliant alternative that may allow for a bonus payment without reducing your future retirement income.
Does my pension have to be frozen to be eligible?
No — your pension does not need to be frozen. The key requirement is that you are not currently receiving income from the pension. Even active pensions may qualify for a transfer review.
How much does the pension review cost?
It's completely free. There are no fees for the review, and you're under no obligation to proceed with any recommendations we make.