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I wanted to release my pension because I had debt and needed to move house. Good helping hand from sell pension.

– Jane Fleet, Norwich

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Pension Release: Safely Release £1000’s Of Cash From Your Pension

Pension release is a viable option for people who are looking to release the cash within their pension safely and securely. Though the prospect can seem daunting, it is completely possible to release your pension cash quickly and safely knowing that you still have enough in your pot to retire comfortably.

Why release your pension cash?

There are dozens of reasons why more and more people in the UK are choosing pension release once they hit the age of 55. The government’s freedom pension rules, which came into play in April 2015, now make it easier for hardworking individuals to release cash from their pension schemes much earlier than their expected retirement age – and this extra money can be useful for all kinds of reasons.

You could release the equity in your pension to:

  • Clear off what’s left of your mortgage in order to own your home outright. It would certainly be a huge weight off your shoulders to know that your mortgage has been taken care of!
  • Clear off any outstanding high-interest debts, leading to complete peace of mind that none of your future income will need to go towards making repayments. Hundreds of thousands of people like you have already released their pension for this reason.
  • Pay for those much-needed home improvements. If your property is looking a little run-down and you’re keen to renovate, freeing up some cash by releasing a pension could be a viable way to breathe fresh life into your house, flat, bungalow or cottage.
  • Pay for a once-in-a-lifetime holiday. You’re sure to have dreamt about cruising the Caribbean, a hiking experience in South America or an all-inclusive trip around Europe. Wherever you’d like to go, releasing your pension can turn your travel dreams into reality.
  • Help out your children or grandchildren financially. Perhaps they’re getting married, or they are looking to buy their first home – either way, those you love could greatly benefit from some extra cash, and you can watch them flourish safe in the knowledge that you’ve contributed to their happiness by organising your pension release.
  • Pay for your own parents to receive the best care. As they approach their later years, many people need an extra helping hand. Your cash could be used to help them continue to live as independently as possible whilst alleviating some of the strain on friends and family members.
  • If you wish, you could even release a pension to place the funds into a different lucrative investment vehicle, such as property or a cash ISA.

Changes to the rules surrounding pension equity release

It’s no secret that we’re all living longer – which means that the age that we can expect to retire has increased over time, too. For this reason, many individuals were looking for a larger variety of ways to use their pension cash, and several years ago, the government listened to this patent demand for more flexibility.

Legislative changes announced in March 2014 opened up new possibilities for pension holders, allowing them to release thousands of pounds from their pension before they reach official retirement age as of April 2015.

This was good news for those who were keen to arrange a pension release at the age of 55 or over and free up some much-needed cash.

Before these changes came into play, individuals were able to release up to 25% of their total pension without paying any tax; the rest of the funds needed to be used to purchase an annuity (or a similar plan that could guarantee regular income past retirement). Now, however, the entire pension can be taken as a single lump sum, with the first 25% drawn tax-free and the remaining amount taxed at that person’s highest rate of income tax. The total amount of tax paid will depend upon how much income the person is receiving from other sources in any single tax year.

Can I release my pension early – legally?

In short, yes, you can. That said, you need to be wary about con-artists who are taking advantage of the increasing elasticity in the UK’s pension laws in order to scam people out of their hard-earned savings. These less-than-scrupulous ‘pension experts’ have, unfortunately, tarnished our industry’s reputation by giving customers advice that has eventually lost to significant loss of income. This article from the Money Advice Service should give you a better idea of how to avoid pension scammers and what to do if you think you’ve been targeted by an ongoing scam.

You won’t find these charlatans here, however. At Sellpension.co.uk, our pension release service is legally-compliant and ethical. We only work with the most trustworthy pensions experts, who always offer useful advice that has the client’s individual needs at heart. We can’t guarantee that everyone shares our principles – but we do know that when you choose to speak to our team about releasing your pension, you’ll receive the best quality support for your unique circumstances.

Pension release for under 55s

It is illegal to release your pension before the age of 55. Pension companies view this as an unauthorised payment, and you will need to pay huge taxes and fees to access your cash before you reach this age. However, if you are still under 55 and you’re looking for alternative ways to save for your retirement, Sell Pension’s expert advisors can discuss a range of other options with you that are better suited to your needs.

Getting started

Having spent so many years building up your pension pot, you really don’t want to be making any big decisions off the cuff. It goes without saying that releasing some of the cash in your pension could have serious implications for your future financial stability, and you need to make sure that you have enough money left in your pension to ensure you are secure in later life.

If you’re certain that drawing money from your pension is the best way forward for you, our experts will talk you through the process of pension release and will provide a 100 per cent confidential pension review service. The advice and guidance that we offer is completely free of charge, with no obligation whatsoever. Get in touch with us today, and we’ll see if you are eligible for early release.

We have extensive knowledge of the releasing criteria of the UK’s major pension providers, including including Aegon, Aviva, Alliance Trust, AJ Bell, Hargreaves Lansdown, Nutmeg, Canada Life, Legal & General, Liverpool Victoria, Prudential, OldMutual and a whole host of others. We can even help you if you’re not sure who your pension is with, or if you even have a pension at all – researching what you already own is all part of our service.

If you think this is an option, or you’re still undecided and want some further information about how to release a pension, don’t hesitate to contact us.

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