Specialists in Pension Transfers to Australia

Award-winning service

Over 100 years combined experience

Dual licensed with offices in the UK & Australia

In-depth knowledge of pensions and QROPS legislations


Rated 5 stars on Google reviews

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We'll talk you through and help you understand a summary of your options.

    Why bdhSterling?

    We are an award-winning firm of Chartered Financial Planners with offices in London, Perth, Sydney and Melbourne. Our primary purpose is to help Australian and British citizens with their retirement planning and we specialise in advising those with assets in both jurisdiction on how to structure their wealth most effectively. We are widely recognised as the leading specialists in UK pension transfers to Australia.

    Download your FREE pension transfer guide

    CHARTERED FINANCIAL PLANNERS

    Award-winning Chartered Independent Financial Advice company with Financial Planners located in the UK and Australia.

    IN-HOUSE SUPPORT

    All advisers are supported by in-house professional paraplanning services and a first-class administration team.

    NOTHING OUTSOURCED

    Our UK pension transfer service is provided in-house and nothing is outsourced throughout the process.

    INDEPENDENT

    Independently licensed in both Australia and the UK, this means our advice can be provided conflict free.

    Don't just take our word for it...

    Chris McConville
    Chris McConville
    2024-05-21
    Moving from the UK to Australia for work, and moving our family, pensions, house sale funds and investments, really does emphasis the need for specialist help and advice, and bdhStirling have been fantastic in all aspects as we have travelled this road. Dealing with a company that has experienced people across all the issues and areas of pensions, tax liability and investments, on both sides of the world, is essential and all the people we have worked with at bdhStirling have been excellent across the board.
    Steve Smith
    Steve Smith
    2024-05-02
    I had a professional, informative meeting with Steph to discuss moving pensions from the UK to Australia. Now I have a clearer path forward.
    Markuk15
    Markuk15
    2024-04-16
    We met with Charlotte Evrad after she kindly offered to step in to our meeting at very short notice when her colleague was sick. After briefly explaining our current situation to Charlotte, she quickly and concisely explained all the options we had open to us. Most importantly she pointed out the possible tax implications of making certain choices and accessing my UK pension from Australia. This advice was invaluable and potentially has saved me thousands of dollars in unknown tax amounts at this stage. I can thoroughly recommend that anyone seek similar advice with Charlotte and with any other member of their team. Thanks again Charlotte :) Mark R
    vivien daniels
    vivien daniels
    2024-04-02
    Always receive great advice in a friendly atmosphere
    peter mcgilvray
    peter mcgilvray
    2024-03-13
    Friendly, attentive and very professional. Could not have been more helpful. Will pass their details on to friends and family if required, cant be more happy than that. Dealt with C Evrard who made everything seem as easy as possible and no trouble at all.
    Steve Farley
    Steve Farley
    2023-09-28
    BDH helped transfer my pension from UK , very professional but still friendly and understanding. Always helpful and look forward to a long and profitable future together.Thanks Rebecca and all the team
    Douglas Immac
    Douglas Immac
    2023-09-25
    I used bdhSterling to transfer pensions held in the UK to my SMSF here in Aus. I did considerable research into at least 15 different agents before landing on bdh. The service I received from Daniel and the entire team in Aus and the UK was excellent. I have no hesitation in recommending them to others.
    Patricia Whalley
    Patricia Whalley
    2023-09-23
    Please touch base with bdhStering for great financial planning advice where your individual needs are the most important aspect to them!
    Michael Marshall
    Michael Marshall
    2023-09-23
    We started using Bdh Sterling and Rebecca approximately 5 years ago. They transferred all our British pensions for our SMSF. Any problems that occurred were in the UK. Rebecca is fantastic, we always have questions and she is always ready to answer anything thrown at her. Thank you for all your support.
    Michael Quincey
    Michael Quincey
    2023-09-11
    I was already living offshore when I needed someone to manage my pensions and investments going forward. I interviewed 3 companies and selected these guys - and in the last 12 years I have never regretted that decision. In those 12 years the company has grown impressively, I’m sure as a result of the service they offer, but not so fast as to lose sight of their clients’ needs. I am not a super wealthy client, and my portfolio with bdh is vital for my well being. But I have no concerns that it will be managed in any other way than for my financial benefit. These guys are to be trusted.

    Frequently Asked Questions

    • Defined Contribution (DC) Pension Schemes, including company and personal pension and drawdown arrangements
    • Private Sector Defined Benefit (DB) Schemes
    • Funded Public Sector DB Schemes
    • The UK State Pension
    • Annuities purchased with a life insurance company
    • Company Pension already in payment
    • Unfunded Public Sector Defined Benefit Schemes

    Transferring could be more tax effective – In Australia, from age 60, all retirement income and lump sums drawn from Super will be entirely free of tax. Pensions drawn from UK schemes are taxed at your marginal tax rate (MTR), which can be up to 47%.

    We will only recommend a transfer if we believe it is the most suitable option and in your best interests.

    You can transfer to a receiving superfund only if it is a Qualifying Recognised Overseas Pension Scheme (QROPS). bdhSterling can assist in identifying if your current scheme qualifies or if an alternative fund will be required.

    There are restrictions on what you can invest in with a UK sourced pension in Australia. These restrictions match those that are applied to the funds when they are in the UK. Therefore, the QROPS funds are unable to invest in residential property directly, however it may be possible to release funds upon reaching age 55 for property purchase.

    There are rules in place by HMRC around how long your funds must remain within a QROPS fund before you can transfer these to a non-QROPS. bdhSterling can identify this for you as part of the analysis we conduct, and this will vary based on you as an individual, and your situation.

    Typically, from the first contact you make with bdhSterling to when the first funds are transferred into your QROPS this full process can take anywhere between 3-12 months, where the average time taken is 6 months. This can vary depending on several external factors, such as, how long it takes for the UK pensions scheme to disinvest your funds and transfer these to your receiving scheme.

    Following the transfer of your UK pension funds to Australia you will be able to access your funds when you meet a condition of release here in Australia, which can be when you meet preservation age, or when you reach age 65. It is also worth noting that as part of the transfer strategy you may be able to access some of the funds during this process, and this is something we can detail in our analysis.

    You can transfer your UK pension to Australia once you reach age 55. In the interim, we can manage your money in a UK pension in AUD or GBP, and make sure that you are on track to reach your retirement goals.

    In the UK we are regulated by the Financial Conduct Authority (FCA).

    In Australia we are regulated by the Australian Securities Investment Commission (ASIC).

    Download your FREE pension transfer guide