Pension Review & Retirement Planning

Many people have multiple pensions from different jobs, lost paperwork or simply don’t know how their current plans are performing. Our aim is to give you a clear, easy-to-understand overview so you can make informed decisions about your long-term financial future.

Read Our 5 Star Reviews

First Time Buyer Mortgages

First-Time Buyer Mortgages

Helping You Take Your First Step onto the Property Ladder

Buying your first home is an exciting milestone — but understanding deposits, affordability, credit checks, and the full mortgage process can feel overwhelming. At NexGen Finance, we make the journey clear, structured, and stress-free, supporting first-time buyers right from the initial enquiry through to getting the keys.

We help you understand how much you can borrow, compare suitable mortgage options, prepare your documents, and move through the process with confidence.

Read Our 5 Star Reviews

Why Review Your Pension?

Understand how much your pensions are worth
Check if your current pensions are performing well
See if fees or charges are affecting your growth
Identify missing or old workplace pension pots
Explore tax-efficient retirement planning options
Make sure your plans align with your future goals

Common Challenges We Help With

Lost or forgotten workplace pension schemes
Poor performance from old pension plans
Multiple small pots from different jobs
Outdated or unclear pension documents
Difficulty understanding projections and retirement income

What a Pension Review Covers

A full review of your existing pension pots
Performance comparison and growth tracking
Fee and charge analysis
Identifying any lost or forgotten pensions
Options for combining multiple pots
Retirement income planning based on your goals

Types of Pensions We Review

Local Notes

Woking’s commuter economy supports diverse uses; lenders scrutinise lease terms on investment stock and cost efficiency on owner-occupied acquisitions. Clear evidence of demand and achievable rents strengthens valuation cases.

FAQs About Pension Mortgages

1. Can I refinance to release capital?

Often yes, subject to DSCR, valuation and use of funds.

2. Are fixed and variable rates available?

Yes — terms vary by lender, sector and risk profile.

3. Will personal guarantees be required?

Common for SME borrowing; extent depends on leverage and covenant strength.

4. Can a start-up obtain finance?

Possible with strong plans, assets and/or additional security — pricing may be higher.

Our Customers Love Us

Juan-Ricardo

As someone self-employed with slightly ‘sticky’ credit, most banks turned me away. This team was a godsend; they persevered and got my mortgage sorted, even saving me some of my deposit money.

Pulizia London

Thank you for your assistance, advice, and perseverance in getting my mortgage sorted. You guys made it happen when others wouldn’t. See you in two years for the remortgage!

Sean King

Securing a buy-to-let mortgage was a breeze with their help. They walked me through the process, found me a great rate, and ensured everything went smoothly. Outstanding expertise.

Jenson West

The Nexgen team took the time to explain everything, found the right lender for my budget, and guided me through the paperwork. A very stress-free experience for a first-time buyer.

Cath Jones

Excellent experience financing a buy-to-let auction property. The NexGen Finance team was excellent to deal with and guided us through the process with no stress whatsoever.

Joanna Morley

Over the moon! Thank you for the excellent service, advice, and support. You are very approachable and it was a pleasure having NexGen Finance as my broker.

Sammy Alim

Experts in what they do. Explained all options to purchase an uninhabitable property and get development funding. Jahed explained the bridging loan and exit strategy perfectly.

Muhammad Ashiq

I am extremely pleased with the mortgage service provided. The level of professionalism was top class and the entire process was handled perfectly. Highly recommend.

Common Reasons People Request a Review

Wanting Clearer Information

1

Many people simply don’t know what pensions they have or what they’re worth — a review provides clarity.

Combining Multiple Pots

2

If you’ve had several jobs, you may have multiple small pensions. A review helps you see whether combining them is beneficial.

Checking Performance

3

A review highlights how well your pensions are performing compared to expectations.

Planning for Retirement

4

Understanding how much income your pensions could generate helps you plan confidently for later life.

The Pension Review Process

1. Initial Discussion

We gather basic information about your pension history, goals and retirement plans.

2. Information Request

We help you locate existing pensions, request up-to-date statements and gather key details.

3. Full Review

We assess performance, charges, projections and potential improvements.

4. Summary & Options

We provide a clear breakdown of your pensions, expected retirement income and available options.

5. Next Steps

Once you understand the full picture, you can decide how you want to move forward.

We Search 1000s of First Time Buyer Mortgages in Uk

10 Step Guide for First Time Buyers in Uk

1. Master Your Budget

Before looking at houses, look at your bank account. You’ll typically need a 5% to 10% deposit. Beyond the deposit, remember to budget for “hidden” costs like solicitor fees, surveys, and moving costs.

2. Check Your Credit Health

Lenders want to see that you’re a reliable borrower. Use apps like Experian or Equifax to check your score. Pro tip: Ensure you are on the electoral roll and avoid taking out new credit cards or loans 6 months before your application.

3. Get an Agreement in Principle (AIP)

This is your “golden ticket.” An AIP from NexGen Finance tells estate agents and sellers that a lender has pre-approved you for a certain amount. It makes your offers much more serious.

4. Explore Government Schemes

Don’t miss out on help! We can guide you through the Lifetime ISA (LISA) bonus, Shared Ownership, or the First Homes scheme to see if you can get on the ladder sooner with a smaller deposit.

5. The Property Search

Now for the fun part! Once you know your budget, start viewing properties. Look beyond the décor—check for signs of damp, the age of the boiler, and the “vibe” of the local neighbourhood at different times of the day.

6. Make an Offer

Found “the one”? It’s time to negotiate. We suggest starting slightly below the asking price. Mention that you are a Pension Review with no chain and an AIP—this makes you a very attractive buyer.

7. Instruct a Solicitor

You’ll need a legal expert (a conveyancer) to handle the paperwork, local searches, and the transfer of funds. We can recommend trusted professionals to ensure your legal journey is as smooth as your mortgage one.

8. Formally Apply for Your Mortgage

Once your offer is accepted, NexGen Finance will submit your full application. The lender will then perform a valuation to ensure the property is worth the price you’re paying.

9. Survey and Searches

While the lender checks the value, you should check the condition. A HomeBuyer Report or Building Survey will flag any structural issues. Your solicitor will simultaneously run searches to check for things like local planning permissions.

10. Exchange and Complete

Once the legal work is done and your mortgage offer is formalised, you’ll Exchange Contracts. At this point, the deal is legally binding. Shortly after comes Completion Day—the keys are yours!

Our Mortgage Guides

First Time Buyer Guides

Remortgage Guides

Bad Credit & Specialist Finance

Buy-To-Let Guides

Business Finance Guides

Moving Home Guides

Age 50+ Guides

Pension Review

Pension Review & Retirement Planning

Understanding your pensions and future retirement position is essential, whether you’re reviewing old workplace schemes, combining pots, or planning how much you need for later life. NexGen Finance helps you gain clarity by reviewing your existing pensions, explaining your options in simple terms and outlining what your retirement income could look like. Many people have multiple pensions from different jobs, lost paperwork or simply don’t know how their current plans are performing. Our aim is to give you a clear, easy-to-understand overview so you can make informed decisions about your long-term financial future.

Why Review Your Pension?

✔ Understand how much your pensions are worth
✔ Check if your current pensions are performing well
✔ See if fees or charges are affecting your growth
✔ Identify missing or old workplace pension pots
✔ Explore tax-efficient retirement planning options
✔ Make sure your plans align with your future goals

What a Pension Review Covers

📄 A full review of your existing pension pots
📊 Performance comparison and growth tracking
💷 Fee and charge analysis
🔍 Identifying any lost or forgotten pensions
🗂 Options for combining multiple pots
🎯 Retirement income planning based on your goals

Types of Pensions We Review

Workplace pensions – old or current employer schemes
Personal pensions – including SIPPs and private plans
Frozen pensions – accounts no longer being paid into
Stakeholder & group pensions

Common Reasons People Request a Review

Wanting Clearer Information

Many people simply don’t know what pensions they have or what they’re worth — a review provides clarity.

Combining Multiple Pots

If you’ve had several jobs, you may have multiple small pensions. A review helps you see whether combining them is beneficial.

Checking Performance

A review highlights how well your pensions are performing compared to expectations.

Planning for Retirement

Understanding how much income your pensions could generate helps you plan confidently for later life.

The Pension Review Process

1. Initial Discussion

We gather basic information about your pension history, goals and retirement plans.

2. Information Request

We help you locate existing pensions, request up-to-date statements and gather key details.

3. Full Review

We assess performance, charges, projections and potential improvements.

4. Summary & Options

We provide a clear breakdown of your pensions, expected retirement income and available options.

5. Next Steps

Once you understand the full picture, you can decide how you want to move forward.

Common Challenges We Help With

✔ Lost or forgotten workplace pension schemes
✔ Poor performance from old pension plans
✔ Multiple small pots from different jobs
✔ Outdated or unclear pension documents
✔ Difficulty understanding projections and retirement income

Get Started

If you want clarity on your pensions or a better understanding of your retirement outlook, NexGen Finance can help you review everything clearly and confidently. Contact us today to begin your pension review.

🧮 Mortgage Calculator for Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 03300 100 061

Please feel free to complete our form and one of our friendly team will happily contact you.