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Savers pull £18bn from pensions ahead of inheritance tax raid

Savers have pulled more than £18bn from their pensions as they rush to protect their money from Rachel Reeves’ inheritance tax raid, according to official figures.

Wealth managers said they had seen a rise in inquiries from savers wanting to access their pension cash because of inheritance tax changes and policy uncertainty.

More than £18bn was withdrawn tax free from retirement pots in the year to the end of March 2025, compared with £11.25bn in the previous year, the Financial Conduct Authority reported.

The number of savers taking their tax free lump sum also jumped from 163,500 to 211,000 in the same period.

We work with investors who have over £250,000 available for our HMO opportunities. Pension holders can access up to 25% of their pension pot as a one-off tax-free lump sum. This means we are ideally looking for individuals with pension savings of £1 million or more who want to unlock part of their pension and put it to work in high-yielding property investments.

 

 

 

Why invest your pension in Property?

You can earn strong rental income without ever needing to become a hands-on Landlord.

Your pension is one of your biggest assets, but leaving it exposed to tax changes and market uncertainty could mean missing out on real long term security. That is why more and more investors are choosing to withdraw part of their pension and place it into property.

At Foot Forward Property Investments LTD,  we specialise in creating high performing HMO investments that deliver strong, predictable returns. With decades of experience and more than 400 fully managed HMO properties already delivered across the North of England, our proven track record speaks for itself. Every property we select is chosen through detailed research into location, tenant demand and rental growth, ensuring your investment is positioned for consistent income and capital appreciation.

Unlike many other developers, we go further to protect your money. Our exclusive price lock promise guarantees you will never face hidden costs or mid refurbishment surprises. The advertised price is the price you pay, giving you complete confidence and peace of mind.

By converting part of your pension into bricks and mortar, you can secure a hands free, high yielding portfolio that builds wealth for the future while safeguarding your hard earned money today.

Speak to our specialist team now and take the first step towards transforming your pension into a property portfolio that works harder for you.

Available HMO Investment Opportunities.

Every property listed is developed by us and delivered fully managed by our in-house lettings team. We handle compliance, tenants, utilities and bills, ensuring your investment is hands free, secure and profitable.

5 Bed/5 Bath HMO - Doncaster - Fully Managed
£287,375 INC Refurb

28.8% Forecasted House Growth Forecast by 2030 -

Annual Income: £26,400 Annual NET Income

Cash Purchase Net Yield: 9.19% NET

Cash Purchase Gross Yield: 11.94% GROSS

Mortgaged Net Yield:

5 Year Projected Capital Gain: £115,683

Total 5 Year Return on Investment: 148.99%

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5 Bed/5 Bath HMO - Doncaster - Fully Managed
£267,500

Fully tenanted and managed HMO.

Annual Income: £23,400 Annual NET Income

Cash Purchase Net Yield: 8.75% NET

Cash Purchase Gross Yield: 11.66% GROSS

Mortgaged Net Yield:

5 Year Projected Capital Gain: £90,475

Total 5 Year Return on Investment: 133.8%

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5 Bed/5 Bath HMO - Doncaster
£289,000

Fully tenanted and managed HMO. Recent Refurb

Annual Income: £26,000 Annual NET Income

Cash Purchase Net Yield: 9.00% NET

Cash Purchase Gross Yield: 11.70% GROSS

Mortgaged Net Yield:

5 Year Projected Capital Gain: £97,747

Total 5 Year Return on Investment: 138.75%

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Turn Your Pension Into Property Wealth in the North of England

Why leave your pension exposed to tax changes and uncertain markets when you could secure it in bricks and mortar? HMOs in the North of England are one of the most powerful ways to turn pension savings into long term wealth.

South Yorkshire hotspots like Doncaster, Rotherham and Sheffield are booming with rental demand, driven by thriving industries, major employers and excellent transport links. Every year, investors see strong cash flow from tenants and reliable occupancy rates.

The growth story is even more compelling. While southern property owners often settle for one or two percent a year, the North continues to deliver around seven percent capital appreciation according to leading names like Savills and Knight Frank. That is steady, compounding growth that protects and builds your wealth year after year.

And with significantly lower entry costs than the South, your pension stretches further here. You gain more property for your money, stronger yields, and far higher growth potential.

Now is the time to act. By moving pension funds into HMOs, you lock in a hands free, high yielding asset that grows in value while our expert team manages every detail. No stress. No hidden work. Just secure, profitable returns from trusted North of England HMO specialists.

Speak to us today to take the first step towards transforming your pension into a property portfolio that delivers for you and your family.

Would you like to find out more about our investment properties?

Our expert investment team are more than happy to help you at a time that is convenient for you.

Fill in the form to schedule a call back. One of our team will be in contact.

You can call us direct on  01302 245204.

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