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Your UK Pension and the 2027 Inheritance Tax Change

A plain-English guide for UK nationals in Portugal on how the April 2027 rules bring unused pension funds within UK inheritance tax, and what that means for an estate.

What is inside

  • Why a UK pension is a UK-situated asset wherever you live
  • What changes on 6 April 2027
  • How the allowances and the 40 percent charge work
  • The questions a regulated specialist can help you answer
The cover of Your UK Pension and the 2027 Inheritance Tax Change

The actual cover, exactly as delivered.

Pharos Introductions is an introducer and does not provide advice. This guide is information only. Read our disclaimer.

Get Your UK Pension and the 2027 Inheritance Tax Change. Information only, not advice.

What happens with your details

The journey of an introduction brief from form to first conversationA four-stop path. First, you submit the form in about five minutes. Second, a person reads every submission; nothing is automated. Between the second and third stop sits a gate marked never auto-forwarded: your details go nowhere until you have been informed. Third, your brief goes to one matched firm only. Fourth, the conversation continues directly between you and the specialist, and Pharos steps back.NEVERAUTO-FORWARDED01You submit the formabout five minutes, your words02A person reads itevery submission, no automation03One matched firmyou are informed first04Direct conversationPharos steps backYour details pass one gate, once, with your knowledge.
We review every submission before any introduction is considered. Details go to one matched firm only, never to a list.
Historic tram passing through central Lisbon
Written for UK nationals who have made Portugal home, from the Algarve to Lisbon and Porto.Efrem Efre / Pexels
Porto riverside townscape with historic buildings along the Douro River
Pensions built in the UK, a life built in Portugal: the guide joins the two halves of the picture.Alina Skazka / Pexels
Sunrise over a calm sea horizon
The April 2027 change is law, not a proposal. The guide sets out, calmly, what it means for a UK pension held from Portugal.Cara Denison / Pexels