30-55 Year old
Pension Unlocking
- See if You Qualify for Early Access: Quickly understand whether you're eligible to unlock your pension early, legally and safely.
- Clear, Simple Guidance: No confusing jargon. Just honest, straightforward information tailored to your situation.
- Explore Your Options: If unlocking your pension isn’t the right move, our partners will show you alternative solutions.
- Free, No-Obligation Check: Our service is completely free to use. There’s no pressure — just expert help when you need it.
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Thinking About Unlocking Your Pension Early?
Accessing your pension before the age of 55 — often called pension unlocking — might seem like a helpful way to get cash when you need it most. But in most cases, it’s not straightforward and can come with serious risks.
What You Need to Know:
Unlocking your pension early is only legal in very specific situations, such as:
You’re seriously ill or have a terminal diagnosis
Your pension scheme has a protected retirement age (from before April 2006)
If you’re under 55 and someone offers to help you unlock your pension, there’s a high chance it could be a scam. You could face a 55% tax charge and lose a big chunk of your pension — permanently.
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Our Partners Can Help You Understand.
Whether you qualify for legal early access
What risks or penalties might apply to your situation
What safer alternatives might be available if you’re facing financial pressure
They’ll always explain your options clearly, so you can make the best decision without pressure or confusion.
Only polly certified partners
You're in good hands
All our pension partners are vetted and reviewed by Polly’s team to ensure they hold up to our standards.
Highly Rated
All our pension providers have hundreds of 5 star reviews.
In-Depth Review
When you contact Polly we will do an in depth review of our database to find the perfect partner for you.
Quality Partners
All of our pension partners are vetted to ensure they are properly certified and licensed.
How It Works
You're in good hands
How It Works
So, how does it work?
Fill out the form or take our assessment and Polly will automatically search her database of certified pension partners to find the perfect option for your situation.
Pension polly
Cherish those special moments
We all want a little more freedom to enjoy life’s meaningful moments — whether it’s supporting family, easing financial pressure, or simply getting back on track. Polly helps you explore safe, legal ways to unlock your pension, so you can make the most of what you’ve worked so hard to build.
When should I start thinking about unlocking my pension?
If you’re facing financial pressure, planning for retirement, or just curious about your options, it’s a good time to look into pension unlocking. While early access is only available in specific circumstances (like serious illness or certain protected pensions), understanding your rights and options early can help you avoid mistakes — and make smarter financial choices for the future.
Does my age affect whether I can unlock my pension options?
Yes — age is one of the key factors in pension unlocking. In most cases, you can’t access your pension before age 55 unless you meet specific criteria (like severe illness or having a protected early retirement age). If you’re under 55, unlocking your pension early is usually not allowed and could result in heavy tax penalties. That’s why it’s important to check your eligibility and explore all options before making a decision.
