Make Your UK Pension Work for You in New Zealand
If you’ve built up retirement savings in the UK and are now living in New Zealand, you don’t have to leave that money behind. Transferring your UK pension to New Zealand can make managing your retirement funds simpler, more tax-efficient, and better aligned with your financial goals. At Finsol, we help you navigate the process from start to finish – making sure your transfer is done right, cost-effectively, and with ongoing advice you can trust.
How UK Pension Transfers Work
Transferring a UK pension to New Zealand involves moving your accumulated UK retirement savings into a compliant New Zealand scheme — often through a QROPS (Qualifying Recognised Overseas Pension Scheme). This can include everything from a defined benefit pension transfer or UK final salary pension transfer, to a private pension, NHS pension, or consolidated UK retirement fund transfer.
We work with clients every step of the way to ensure:
- Your pension is transferred into the right scheme for your situation
- You fully understand all tax obligations before, during, and after the transfer
- The process is handled efficiently and correctly to avoid costly mistakes
Why Transfer Your UK Pension to NZ?
There are several key reasons many UK expats choose to transfer their pensions:
- Simplified retirement planning – Manage your retirement savings under one roof, in one currency.
- Improved tax outcomes – With the right advice, you can significantly reduce potential UK and NZ tax liabilities.
- Investment flexibility – Gain access to a broader range of investment options in New Zealand.
- Estate planning benefits – Make it easier to pass wealth on to your beneficiaries.
Our Expertise: End-to-End Guidance and Ongoing Support
We’re more than just a transfer service. We act as your strategic partner throughout the process:
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Specialist support – Our team includes pension transfer experts and NZ tax specialists who guide you through every step.
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Cost-effective solutions – We’re known as one of the most competitively priced UK pension transfer services in New Zealand, without compromising on quality or expertise.
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Ongoing investment advice – Once your funds arrive, we provide ongoing guidance and portfolio management tailored to your long-term goals.
Our Investment advisers.
Trusted, experienced, and here to make your UK Pension Transfer simple and straightforward.
Yes, most workplace, private, NHS, defined benefit, and final salary schemes can be transferred to a New Zealand QROPS. We’ll guide you through the process from start to finish.
Most transfers take 8 to 16 weeks, depending on your provider. We manage the process and keep you updated throughout.
There can be, depending on how long you’ve lived in New Zealand and your pension type. We provide tailored tax advice to help you minimise liabilities.
Yes, you can combine several pensions into one scheme for easier management. It often reduces costs and simplifies your retirement planning.
A QROPS is an HMRC-approved overseas scheme that lets you transfer without unnecessary tax penalties. It’s the safest way to move your UK pension.
Yes, but these transfers are more complex. We assess whether it’s in your best interest before proceeding.
It will remain subject to UK tax rules and investment restrictions. Transferring gives you more control and aligns your savings with your life in New Zealand.
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