We continue to get fantastic results for our UK State Pension Rescue clients, helping them drastically improve their pension expectations for a modest cost.

Our specialist service can assist most Australian residents maximise their UK pension if they lived and worked in the UK for 3 years or more.

One recent client we helped is Mark, who was able to increase his Pension expectation from nothing (not enough years had been contributed to qualify for anything) to an expected 90% of a full UK State Pension, from age 67, for life. The cost of the whole exercise will likely be less than the first year’s pension he’ll receive.

For most, a key element of the process is to present the HMRC with paperwork that maximises the chance that HMRC will offer contribution back-payments at a concessional rate.

For eligible clients, these back-payments can currently be made all the way back to 2006/7. This has been a boon for those looking to increase their pension expectation, as it can allow 16 years (nearly half of the 35 years needed for a full UK State Pension) to be paid up in one fell swoop.

But from 5 April 2025, back-payments will only be permitted for the immediate 6 years prior.

Whilst this deadline is still some way away, it has been taking over 9 months for HMRC to respond to the necessary paperwork seeking permission to contribute from abroad. As we have no control over HMRC response times, for practical purposes the back-payment window may be closing imminently.

So please reach out now if you, or someone you know needs a UK State Pension Rescue.

General Advice Warning: Any advice included in this article and associated links is general in nature and would not consider your particular objectives, financial situation or needs. You should seek personal advice from Grand Plan Wealth to consider if the strategies and products are right for you. If a product we recommend has a Product Disclosure Statement (PDS), you should read it before making a decision. Past performance is not a reliable indicator of future performance. Other than cash deposits falling under the Australian Government’s Financial Claims Scheme, any investment we recommend has the potential to deliver a loss to an investor. Nevertheless, we are of the view that for Australian investors it is reasonable to expect a skilfully managed diversified portfolio to deliver positive returns over the long term, over and above cash returns and the impact of inflation.