You may consider that the funds within your pension are completely locked in until the age you retire. You may think that your pension fund is completely frozen. Locked away like Fort Knox.

Well this is, in most cases, just not true. Certainly factors such as your age and general health could mean that you are capable of unlocking your pension fund.

What can you do?

But what can you do if you’re under 55 years of age and your general health is very good. What can you do then? Are there ways to access the funds in your pension?

The really great news is that, in most cases, the answer is YES! You can find out if you qualify for early pension release by filling in the form at the top of this page. By completing the form you’ll be one step towards getting access to the cash in your pension.

Why should you do this?

The answer is quite simple. It will give you access to valuable information. Information that you can use to know just how much cash you can get from your pension. In some cases this can be as much as up to 90% of your entire pension fund. It all depends on your own individual circumstances.

By filling in the form you’ll get a FREE no obligation telephone call from a pension expert. They will explore your pension fund release options with you. They’ll explain in detail just how you can get cash from your pension.

Plus they use no ‘pushy’ sales techniques. No constant contacting you trying to force you into something you may not need or require.

Plus your data will be kept totally safe and will NEVER be shared with organisations or people involved in ‘spam’ type practices.

Do what the majority of people do. Fill in the form. At least then you’ll be one step closer to knowing how much cash you can get from your pension. And, after all, as Sir Francis Bacon said “Knowledge is power”. Arm yourself with the power and complete the form.

If you do unlock your pension fund what can you use the money for?

Unlike traditional loans you can use the cash in your pension in any way you like! This could be to:

· Pay off crippling credit cards. Very often the interest rate applied to credit cards can be very large when compared to a traditional loan. You could use your released pension fund to pay this off.

· To pay off your mortgage. You may take the money in your pension fund to pay off your mortgage.

· To solve a cash flow problem. You might be self-employed and your business might be facing closure due to a cash flow problem. This issue could be solved by releasing the cash in your pension.

· To invest in a higher performing financial vehicle. For some people they look at the performance of their pension fund and think ‘I could do better than that’. So they withdraw their funds and invest it in a higher performing way.

· To pay your tax bill. You may have the HMRC knocking at your door demanding you pay a bill that you just haven’t expected. Your cash in your pension could be used to clear this debt.

The HMRC – that’s a good point won’t they want a slice of my pension fund?

They just might. But again this depends on your own personal circumstances and just how you access the funds within your pension. However, by completing the form at the top of the page you’ll be put into contact with, probably, the best group of people. People who know the ‘ins and outs’ of the HMRC and will provide you with, perhaps, the best advice on how to make sure you keep as much of your money as possible.

Are there any risks involved?

Just like any financial transaction or investment there are numerous risks involved in releasing the cash from your pension. If you’re in any doubt about any of these risks we would strongly advise you to consult with an Independent Financial Advisor (IFA). You may be able to find one by following this link.

Further, what is certainly true, as the Financial Services Authority (FSA) were keen to point out, that should you withdraw your pension funds early then, when you do retire, you’ll have less money to live off. A counter to that argument, however, could be that if you’re facing financial ruin now what good is a secure financial future many years away?

Or, should you require the money to ensure the growth of your own business or to invest in something that you think will out perform your current pension, then this is simply not the case. You would be using your money to ensure your own future financial security in your own way.

How long does the process take?

Getting the cash in your pension out of your pension fund is not easy. Certainly it is not as easy as going to the cash point! Pension fund managers are, perhaps, not as quick as they might be in releasing your funds. Which is, sort of, curious as they are not slow at collecting your money!

It all really depends on how your pension fund has been invested and who has your fund (or funds) in question. Typically it can take anything from as short as 4 weeks or up to 12 weeks plus to gain access to the money in your pension. This timing is applied from when you actually approach your fund manager for your investment.

You can, however, begin the process today by completing the form at the top of this page.

Can you continue to pay into your pension when you’ve released the funds?

The really short answer to that question is that it depends. There are a number of factors that will determine if you can continue paying into your pension once you have released the funds. You should seek to consult with your pension provider as to the exact answer to this particular question.

What you should do next?

It is simply not possible to know just how much of your pension fund (or funds) can be released or unlocked without further investigation. You can begin your own investigation into your own particular circumstances by completing the form at the top of the page. It might just be the first step towards gaining access to the funds that you need.

What exactly is a pension lump sum?

In a nutshell a pension lump sum is a way of getting cash from your pension. There are numerous factors that effect exactly how much your pension lump sum can be. Some of these factors include:

· Your age – as a general rule you have to be over 55

· Your personal health circumstances

· The total amount of cash in your pension

· Latest HMRC treasury rules

Unless you are an expert in personal pensions you should consider getting professional advice on the options available to you. You may be able to get this advice for free from many institutions. More information on independent advice can be found at the Financial Services Authority (FSA).

Whilst for some the pension lump sum can be sufficient for their needs others may require a larger pension lump sum. For some this can be very difficult to achieve. The pension fund managers may take a very dim view of you drawing funds from your pension. Indeed some say that it cannot be achieved without the possibilities of incurring sky-high charges and attracting an enormous tax liability.

Is there another way of getting cash from your pension?

The real truth of the matter is that there are tried and tested methodologies in the market place that can enable you to draw up to a full 90% of your pension as a lump sum. Whilst every case is almost unique it is beyond the scope of this article to explain the full process in detail. However, by completing the form at the top of the page you can begin the process of exploring just how much of your pension can be drawn as a pension lump sum.

Some of the highlights of this methodology is that there are NO age restrictions. There are NO credit checks. The process is fully HMRC compliant. It is, quite probably, one of the most tax efficient and most effective way to get cash from your pension. Find out more by filling in the form.

What are the risks?

There are, without doubt, numerous risks associated with drawing a lump sum from your pension. Possibly the most obvious being that the more you draw from your pension the less will be available to pay you when you retire.

Further, if you are not very careful, you can be paying tax upon the lump sum that you draw from your pension. By completing the form you can begin to explore other options.

Whilst the above is all very true it does not go on to address any financial hardships that you may be experiencing right now. With job losses being announced what seems to be almost daily. With banks appearing to making getting a loan even more difficult. With recessionary pressures seemingly building within the economy. With house re-possessions probably on the increase. Then, for some, drawing a pension lump sum can be the only source of funding. After all isn’t it better to entire retirement debt free?

What can you use the money for?

The cash in your pension as a lump sum can be put to any purpose you desire. For example you may have been looking at your pension and thought “I could make that money work harder”. You may have your own financial vehicle that you want to invest your money into. Then drawing your lump sum you can do so.

You might have a credit card bill that you cannot pay off. Then you can draw from your pension and clear your debts.

You might have the HMRC knocking at your door for a tax bill that you simply cannot pay. Then a pension lump sum can be yours.

You could use the lump sum to assist your child through University.

If you run a business where you have a cash flow problem then a pension lump sum could just be the lifeline you require. The really great news here is that once this financial hurdle has been over come you could then re-invest back into your pension.

This can be one of the real keys behind drawing a lump sum from your pension is that you will not be questioned on why you want the money. Unlike a bank loan where you may have to jump through several ‘hoops’ no such questions may be asked about your pension lump sum.

Beware the ‘Nay-Sayers’

There is absolutely no doubt in the fact that if you draw money from your pension early then there will be less money left in your pension to pay for your retirement. This is a fact.

However, it is advisable to take a look at the vested interests of those you consult. A pension funds manager might strongly advise you that withdrawing your funds is not in your best interest. But then they would wouldn’t they?

An Independent Financial Advisor or Accountant may take the view that it is not possible to draw a pension lump sum as cash in your pension. However, the market place form drawing cash from your pension is highly complex and they may, or may not, be in possession of all the facts and figures.

What is certainly true is that all these people have differing vested interests. They may not see the financial ‘tiger’ tip tapping at your door. They might not care that your house is about to be repossessed. A pension lump sum might just be the financial life-line that you’re looking for.

After all ….

When done and said all this is your money. You’ve saved this money – it just happens that the vehicle you’ve chosen is a pension fund. You’ve worked hard. You’ve probably paid your taxes on this investment. You should have your right to draw on these funds if you so wish. By completing the form at the top of the page you’ll be eligible for a FREE consultation. Surely being ‘forewarned is being forearmed’. Make sure your ‘armoury’ is as complete as possible. Complete the form today.

Just what is a Pension Backed Loan?

With turmoil in the financial markets. Seemingly the banks on the brink of financial disaster. Job cuts being announced virtually daily. General doom and gloom. The prospect of securing a loan with this background can appear like an impossible dream. Thankfully there is a lifeline for those facing financial hardship. Today many people are applying for a pension loans or getting cash from your pension. For some it can be seen as a relatively quick and sometimes easy access to money. Folk are choosing a pension loans or a pension backed loan for a broad number of reasons. But, before we explore some of these reasons lets take a close look at what a pension backed loan really is.

Pension Backed Loan

In a way this is a kind of secured loan. But it does mean cash from your pension. For this reason it is sometimes easier to get approval for a pension loan than it is for a traditional loan. The reason being is that you can use your own pension as collateral against the loan. For many people they want to do this because it is the only collateral they have available to them. This makes the concept a very inviting one. Certainly, if you have a bad credit rating then a pension backed loan maybe your only option.

Also, pension backed loans, generally, have two options that traditional loans don’t give you. Firstly you may have the option of repaying the debt before the maturity date arrives. And secondly, you may have the option of letting the lending party take your future pension as the form of payment.

What are the benefits of a pension loan when compared to a traditional loan?

As mentioned above if you have a poor credit rating then getting a pension backed loan might be the best way to go as you might be better placed to get a loan than following the traditional route. However, if you have a great credit rating then using a pension loan could give you an extra flexibility. As you probably know the interest rates on an unsecured loan can be much higher than on a secured loan. Whilst the interest rates applied to a secured pension loan can be, in many cases, significantly lower. Plus the repayment periods for an unsecured loan can take a very long time compared to the fact that the repayment period of a pension loan can, in many cases, be far quicker.

A high interest rate. The scarcity of availability of unsecured loans. Hidden charges and miscellaneous costs means that a pension backed loan can be very attractive. However, please do be aware that your pension will be used as collateral against your loan. So you must make sure, before you apply for any loan, that you do your sums. Make sure that you’re completely happy with the amounts quoted. Make sure you’re happy with the commitment you’re making.

The really great news is that you can start your search by filling in the contact form at the top of this page. This will get your search started. You’ll be called back with a FREE no obligation, phone call where your options can be discussed. Do what the majority of folk do and complete the form.

Some pension loans companies can provide loans of up to 50% of your future pension payments. Further you may also be able to choose how much of your future pension payments that the lender takes away each month.

Are there benefits of securing a pension loan?

One of the first benefits of a secured pension loan is that of privacy. The reason being is that the ‘why’s and wherefores’ of the loan can be kept completely to yourself. That can be one of the main draws for this particular type of loan. Your personal reasons for taking out the loan will not be exposed. Although, for many people, there are generally, three reasons for taking out the loan in the first place. These include: needing the cash for a debt consolidation, paying the simplest of bills (noticeably sometimes this can be a bill from the HMRC) or to rid themselves of a mortgage payment.

A second, of the many, benefits of a pension backed loan is that they can be used to fund a business venture. Whatever business venture you’re considering: a franchise opportunity, a hair dressing business or a used car lot. A pension backed loan can provide the vital funding that you need to start your new business. With a little hard work, a good strategy, a willingness to succeed and an adequate sum of money from your pension you have the ability to create a very successful enterprise. Simply by using the pension loan as a starting capital for your business you could be highly successful. Cash in your pension can be used in this way.

The third of the many benefits of a pension loan is that you can use them to clear your credit card debts. Debts on credit cards can be notoriously expensive and, let’s face it, nobody like that kind of debt hanging like a ‘sword of Damocles’ over their heads. And that is one of the beauties of the pension loan is that you may not have to pay any interest on the loan itself. You only pay back what you’ve borrowed (in many cases) and not a penny more. This can be achieved by paying back the loan early. In this particular instance you need to check the full terms of service with the company that you’re getting the loan from.

Lastly don’t forget! If you are looking at your pension fund and have decided that you could invest the money into another (and hopefully) more profitable financial vehicle then you maybe better placed to release the money from your pension.

Pension loan Vs Traditional loan. Which is easier to apply for?

There is a plethora of companies in the market place that can provide you with a loan. A great starting point is to fill in the form at the top of the page. That way you can start looking at your options. And the more options you have the more educated you will be. Begin by filling in the form. If you can you could always find a company that specialises in pension loans. They should be able to let you know how much they are willing to lend you against the value of your pension. Also, how much time you can have for the period of your loan. For example, if you were looking to raise a large amount you may want to release the funds out of your pension. It might also be possible to make some special arrangements where by you take a loan from a years worth of pension payments.

What is a very good idea is to go over all the terms and conditions with a ‘fine toothed comb’. This is necessary as, with some pension loans, there are certain terms and conditions that you will have to adhere to. You need to also be aware that there maybe limits as to the amount of money you can borrow against your pension. Nobody can borrow infinitely! Another thing to remember is that if you borrow against your pension then, when you do retire, you will have a smaller ‘pot’ to get your pension from.

Different forms of pension loans

Hopefully you’ll be able to find a loan that can be tailored to your own individual circumstances. Pension advisors should be able to answer questions that apply to your own personal circumstances. Sometimes it is possible to release the full 100% of your pension. However, do this only if you must. It maybe better to preserve, at least, some of your pension fund.

As mentioned before, one of the best things about a pension loan is that you don’t necessarily have to have a perfect credit rating. Another positive point is that you don’t have to worry about increasing your income to pay off the loan. To qualify for a pension loan all you have to have is a pension pot (or cumulative pension pots) over a certain amount. It doesn’t necessarily matter if your pension is frozen or that you are still paying into that pension. If, for example, you had an old company pension that you’re no longer paying into then you could qualify! The breadth, range, diversity and flexibility of the pension loans market place is what makes it so attractive!

Credit reference offices or agencies are not necessarily interested in pension loans. Therefore, for most pension loans there are no credit checks to be made. You may also find that it takes anything between 8 and 12 weeks to get approval for a pension loan. The organisation that makes the loan should, in many cases, do all the hard work for you. You should be able to keep in touch with them throughout the process so that you know exactly what is going on. All the time.

If you have any questions at all about a pension loan. Or are considering taking one out it is highly recommended that you talk to an Independent Financial Advisor. (IFA)

That being said, for many people, a pension loan can be their best route to the money that they need, even with a low credit rating. This is, possibly, the biggest single reason in the rise of pension loans. In many cases there are no hidden charges, no interest rates and when the loan process is finished you can sit back and enjoy the remainder of your pension income.

Are you under 55 years of age with a single (or combined) pension fund of over £60,000? Then did you know that up to 90% of your entire pension fund can be made payable to you? To find out how firstly complete the registration form shown on the right. This will start the process of assessing just how much of your pension fund can be released to you. Plus it is FREE and without obligation. Then, if you wish, feel free to read the rest of this article. (Don’t worry you won’t be navigated away from this page)

Early pension release? Are you under 55 and looking to get cash from your pension? There are pension release schemes and pension release programmes that enable you to get cash from your pension before the age of 55.

Please be aware that there are new financial programmes that are being created at the moment around pension loans and pension release. Whilst, at the time of writing, every attempt has been made to make this article as relevant as possible. However, by the time you read this the market for pension loans or pension release may have moved in a different direction. To make sure you gain access to the most up to date information please take the time to complete the form at the side of the page. That way you can ensure you get the most up to date information.

If you do wish to release cash from your pension before the age of 55 there are two ways to achieve this and it is largely determined by the size of your particular pension fund:

The first way is if your pension fund is under £60,000. (This being a single or combined pension pot) Then, your main route to releasing your pension fund maybe via a pension loan. So far as research has shown that the minimum value for a pension loan programme will accept is £10,000. This means that if your total pension pot is less than £10,000 you may not qualify for a loan. However, if your total pension fund is between £10,000 and £60,000 you may qualify for a pension loan or a loan against your pension. Depending on your circumstances you might get as much as 15% to 50% of your total pension fund in the form of a loan.

The second way of getting cash from your pension is if your funds exceed £60,000. In these circumstances you maybe able to use a pension release scheme. Although some programmes will only accept this if your funds are £70,000 or £80,000 in total. Researching the market has unearthed one pension release programme that is totally HMRC compliant, 100% legal, has no age restrictions and can deliver you, in the first year, almost 90% of your total pension fund in cash to you. To gain access to this programme simply fill in the form at the side.

Pension loans as a way for early pension release

Weird as it may sound but a pension loan can be applied to people looking for a pension release. There as far too many programmes for pension loans on the market to describe them all in such a short article as this. And, further, the market is developing so rapidly that, by the time you’ve read this, several new programmes have probably been introduced! Some of the programmes do literally offer a loan secured against your pension fund.

However, other ‘loan’ programmes permit money to be released from your pension. Whilst, strictly, these schemes are not “loans” they are described as such by the provider to make it easier to understand for the consumer.

You must be aware, however, that the High Court can take a dim view of pension loan schemes. In December 2011 the court determined that the act of Pension Reciprocation schemes were illegal. These schemes had several people moving their pension funds into a central pot. This central pot then made loans to members of the programme. As a word of warning you should ensure that any pension loan provider you work with does not have a pension reciprocation element within their service offering.

Every care should be taken when releasing money from your pension. As, in the form of a loan, your pension fund is collateral against the loan. Further, if you do draw money from your pension then, when you turn retirement age, your total pension fund will be worth less. Having said all this, if you’re experiencing financial difficulties now then drawing from your pension might be your only financial life line.

Under 55 Early Pension Release?

With a pension fund of over £60,000 or a combined pension fund over £60,000 you might want to consider a pension release programme as opposed to a pension loan. When considering a pension release there are many things worth considering. Whilst not an exhaustive list these may include:

· The overall legality of the pension release. Currently the tax office, Her Majesty’s Revenue and Customs (HMRC) are taking a very close look at the pension release industry and, as the market develops, their ‘rules of engagement’ may very well change. Further the Financial Services Authority (FSA) are taking a very strong interest in the pension release market. Certainly it would be prudent to ask any potential pensions release provider if they are covered by Queens Counsel (QC) support of their programme. Further you could ask if any of their programmes have been looked at by the HMRC and FSA and have passed successfully. Demonstrating that they are tax efficient and fully legal according to the latest legislation.

· Do age restrictions apply? Whilst the majority of programmes might have age restrictions for Pension Release over 55. Some others do not have the same restrictions for pension release under 55.

· Credit history bad? Poor credit checks? For the majority of companies, the great news is that a bad credit history or poor credit checks are largely irrelevant. You can still release money from your pension with this kind of background.

· Want your cash in a hurry? Sadly if you want your money quickly then pension release might disappoint you. The reason being is that it is up to your pension provider to release the funds. This might sound a little strange as this is your money. However, getting the funds from these companies is not as easy as getting your cash out of an ATM. The process can take anything from 4 weeks to 4 months depending on your pension fund provider.

· Can I release the full amount of my pension or just a percentage? This is really dependant upon the company you use for your pension release and the pension provider(s) you are engaged with. To date there is probably only one pension release provider that can offer as much as a full almost 90% of your pension fund. Fill in the form at the top of the page to begin this process.

· Is pension release the right move for you? Well that depends on your own particular circumstances. Many of the companies providing pension release services are not covered by the FSA rules and guidelines. As such it can be a case of ‘buyer beware’. It would be wise to consult a fully qualified Financial Adviser before you make any decisions. However, you can begin your fact finding by filling in the form at the top of the page. This will, at least, provide you with a free no obligation quote and a little information to begin your search for a resolution for your pension release.

Getting cash from your pension. Getting a pension loan. Or getting a pension release.

Begin your search by filling in the form at the top of the page. It will cost you nothing and just might give you access to the funds you need. In return you’ll get a free, no obligation phone call and might just put you on the road to the financial future you desire. Getting the cash from your pension.

Now there is a way to gain access to approximately 90% of this fund WITHOUT attracting the attention of the taxman! This means that almost 90% of your total funds value can be paid directly to you. The ideal way to cash in your pension.

Of course if you only want to gain access to just 10%, 20% or 30% of your fund then this is possible too. But the real key here is to do it without having to pay ANY tax.

This methodology uses legitimate, fully recognised by HMRC, ways to ensure that you get your hands on your money. To get the cash in your pension.

PLUS you can discover how you can release the funds in your pension completely FREE. All you have to do is complete the form and press ‘send’ for a no obligation discussion.

Reasons for releasing your pension early.

Lets face it in the current economic climate cash is in short supply. Your pension fund might be your only source of funding. You might need the cash to keep your business afloat. You might need the cash to cover bills. Or you might even want the cash because you think that you’ve found a better investment vehicle than your current pension can provide.

Either way, with this almost unique process, you can ensure that you get as much (or little) of your money out and put directly into your bank account. For you to use in any manner you wish.

Can’t other providers do a similar service?

Sure there are other service providers in the market that provide a very similar service. Other ways to cash in your pension. You are encouraged to seek these out and compare the service offerings. Why say this? Because the methodology employed is virtually GUARANTEED to turn your existing pension fund into the most cash in your bank account.

Please do make sure you make a thorough search of the market place. Begin your search by registering your details on the contact form at the top of the page. Remember you can do this completely free. You then will have begun your search for the best way for you to release your pension funds.

Don’t I have to be over 50?

The short answer is ‘No’. With the methodology applied there are simply no age restrictions. The main restriction applied is that your fund needs to be over £60K.

And largely that’s it.

Can’t you tell me more about the approach?

Each pension release case is rather unique. Which is why the exact details of each methodological approach cannot be explained here. The full and entire process will be explained clearly and concisely after you’ve called or completed the application form.

Suffice to say that the process is recognised by HMRC. This does not make use of tax loopholes. The process is fully HMRC compliant.

What should I do next?

Begin your search of releasing the funds in your pension by completing the form at the top of the page. It could be the first step you take towards realising the access to the funds you need.

What do you do with my data?

Protection of your privacy, especially with such sensitive information, is very important to us. Your data WILL ONLY be passed on to the programs operator. You WILL NOT be bombarded with sales calls, emails or other such annoying spam companies. For your extra security all data is sent via fully encrypted servers. You can rest assured.

Begin the process to release your funds by filling in the form today.

Do you have a pension fund in excess of £60,000? Do you want to release the cash in your pension?

More and more people, just like you, are turning to Pension Loans in order to get access to money. Unlike traditional loans, a Pension Loan can be more flexible providing you directly with a lump sum – especially if you need the money in a hurry.

What about the tax?

Unlike some other programmes employed with a pension loan the methodology applied to your £60,000 plus pension loan is fully recognised by HMRC. Having full legal compliance. This programme attracts a zero percent tax break. This means that more money goes into your account rather than HMRC’s. Meaning more cash from your pension.

What are people using the money for?

The really great news is that you can use the money for reason you wish! You might need the money for debt consolidation. Whether this is for paying off your mortgage or other loans. You might need to pay a tax bill. You might need to pay off what can be crippling charges on your credit card. This can be a very good use of the money as the charges made on credit cards can be especially high.

You might need the money to fund a new venture or to resolve cash flow problems within your existing business. If you’re using the money for this purpose then that’s good news. As with a little determination and hard work you’ll be able to replenish your funds in the future.

You might, as many other have, been watching the performance of your pension fund and thought “I could do better myself”. If that’s true you can draw the money from your pension and invest it in any financial vehicle you wish. Stocks and shares. Property. Anything.

What about the interest rate applied on Pension Loans?

That’s the really interesting thing about a pension loan is that they can attract zero rates of interest. This means that, unlike most other sorts of loans, the amount you borrow doesn’t grow. All without those crippling added fees or penalties.

How do you start to apply for a loan?

That’s the really easy bit! All you need to do is fill in the form at the top of the page and click ‘send’ and you’ll be well on the way!

The fantastic bit is that exploring these opportunities is entirely FREE.

Putting you in control getting you more cash from your pension.

You can decide how much you want to draw as a loan from your pension. This can be the full amount of just a percentage. The choice really is yours.

What are the downsides to a Pension Loan?

As the Financial Standards Authority (FSA) pointed out in release CRED64aP:

“Unlocking your pension will almost certainly mean that you will have less income in retirement.”

This is, without doubt, certainly true. However, if you’re experiencing financial difficulties today what use will be a pension in the future? Or, indeed, if you think you can out perform your pension fund with other financial vehicles then you’d be foolish leaving your money in a low performing fund.

What to do next?

The next step is to fill in the form. This can be your first step towards getting access to the funding you need.

Still unsure?

Rest assured we take your personal information very seriously. Your details WILL ONLY be passed onto one single provider. All details are sent via encrypted servers. Your details WILL NOT be passed onto anyone else. This means that you will not be bombarded with sales calls, spam or any other irritating call centres. Ever.

Pension Loans are basically, loans secured against your pension. A pension loan effectively allows you to borrow a percentage of your pension fund as a loan. In many cases this can be as much as 50% of your total pension fund… sometimes, up to 100%.

The great news is that there are no credit checks. Plus you don’t even have to prove your income! Even if you have a poor credit rating this simply doesn’t matter.

Pension Loans can be used for any purpose you like. Paying off a tax bill. Buying a new car. The choice is yours. You can discover how much you can get as a loan against your pension by filling in the form on the right-hand side of this page.

And the best news of all is that it is possible that a Pension Loan maybe available to you with the lowest rates of interest in the market today.

How long does the process take?

Usually Pension Loans takes between 4 and 8 weeks to complete. By filling in the form at the side of this page you can start this process immediately.

How much can I borrow?

Usually the amount available will be 20% – 50% of your pension fund. In some cases, if your current pension fund is over £50,000 you may be able to release 100% of your pension fund.

How do I qualify?

Your first step should be to fill in the form on this page. For a UK resident you must have a private pension in excess of £15,000. It doesn’t matter if these funds are spread between numerous pensions or in a single pot. It even doesn’t matter if the pensions are frozen or still being paid into.

It is also possible that a company pension might be considered as long as you’re not still working for that company.

What about credit checks?

Here’s another bit of good news! There aren’t any! If you don’t pay it off beforehand, your pension loan will be paid off with your pension fund at your retirement (Or, if it happens, your death) Should your pension fund be insufficient to repay the loan there is a chance that the balance of unpaid loan will be written off.

What about my credit rating?

Usually your Pension Loan will not be registered with any credit reference agencies. As such this should not affect your credit rating.

What about repaying the loan early?

Generally this is not a problem. In most cases pension loans can be repaid early.

So what are the down sides?

Well, if you’re in an Individual Voluntary Arrangement (IVA) you cannot have a loan. Sorry.

You should also think very carefully before getting a loan against your pension. If things don’t work out as well as you hope, the amount of money you have when you retire may be reduced.

Why should you fill in the form?

It will kick start your application! You will be charged NO FEES simply to discover if this process is for you.

You will be called back by a fully professional pension loans expert. They will tell you everything you need to know.

You can rest assured that your privacy is paramount to us. Your details will only be passed to one Pension Loans Expert. Your personal and private information WILL NOT be divulged to anyone else.

Start your application today. It could just lead to the cash you’re looking for at an interest rate that might surprise you.

Please also note that we do not offer any financial advice. If you are unsure at any point whether a pension loan is right for you, we strongly encourage you to speak to a qualified financial adviser.