Releasing a Private Pension - Understand Your Options
- Explore your eligibility for a Pension Transfer Payment
- Learn how private pensions can be restructured legally
- No fees, no pressure - just clear, confidential information
- Discover whether your private pension qualifies for release
- Request a free, no-obligation Pension Release Review
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 moreCan I Release a Private Pension Before 55?
If you're under 55, accessing a private pension is typically restricted under UK pension rules, however a Pension Transfer Payment may be available to you as part of a legal pension restructuring process.
This does not involve early withdrawal or breaking pension rules — instead, it focuses on assessing your pension to see if a transfer to a new scheme may be appropriate and beneficial to your situation.
What Is a Private Pension?
A private pension is any defined contribution or defined benefit scheme set up by an employer or personally through a pension provider - separate from the State Pension. You may have one or more private pensions from previous employers or from arrangements you've made independently.
If one or more of your pensions are not currently paying you income, you may be eligible for a Pension Release review. Our service focuses on reviewing dormant or inactive pensions to determine if you're eligible for a Pension Transfer Payment.
How Pension Restructuring May Help
While standard pension rules block access before age 55, there are ways to legally restructure your pension which may include:
- Consolidating old or inactive pensions into a modern scheme
- Unlocking a Pension Transfer Payment as part of a restructuring process
- Improved visibility or control over dormant pensions
- Tailored options to suit changing personal or financial circumstances
Please note: This is not a withdrawal of your pension funds. Instead, it's a structured review designed to explore whether a transfer may provide value and whether you may qualify for a payment from the receiving scheme as part of the process.
Why Choose Our Pension Release Review?
We offer a no-cost, confidential review to assess your eligibility. If your pension qualifies for transfer, we introduce you to a select panel of trusted partners, who are fully regulated by the Financial Conduct Authority (FCA).
- No pressure - you decide if it's right for you
- No obligation - our review is free, with nothing to sign
- Clear, plain-English information about your options
- Support from a friendly, experienced team
Our aim is to help you understand what's possible - not to push you toward a specific outcome.
Is Pension Release Right for You?
Pension restructuring and transfer payments aren't suitable for everyone. You must:
- Be under 55
- Have one or more private pensions that are not currently paying you income
- Want to review your current pension arrangements
- Be open to exploring whether a transfer payment may apply
We recommend speaking to a professional before making any financial decisions. We are not financial advisors and do not give financial advice. However, if you are eligible and interested, we can refer you to an authorised adviser who will provide regulated advice where required.
Get Started with a Free Pension Release Review
Want to explore your options? It only takes a minute to complete our online form. Our team will contact you at a time that suits to begin your free review.
