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Pension tax relief check

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Put money into a pension and see what the taxman adds, and what a higher rate taxpayer can claim back.

For personal pensions where the provider claims basic rate relief. Workplace schemes can work differently. Check the annual allowance on GOV.UK.

Common questions

How does pension tax relief work?

Basic rate relief of 20% is added by your provider. Higher and additional rate taxpayers claim the rest through Self Assessment.

Is there a limit?

Yes, an annual allowance applies. Check GOV.UK for your limit.