Looking to transfer your UK pension to Australia?
If you’ve moved from the UK to Australia, or you're planning to, deciding what to do with your UK pension is one of the most important financial steps you’ll take, and the right guidance matters.
Specialists in UK–Australia Pension Transfers
At bdhSterling, we specialise in helping UK expats understand their pension options and make informed decisions about transferring a UK pension to Australia. With over 100 years of combined technical expertise and more than 16+ years of continuous operation, our cross border specialists ensure your pension is structured correctly for Australian residency, tax rules, and long term retirement planning.
Transferring a UK pension overseas is complex. Each country has its own tax, superannuation and pension rules, and legislation changes frequently. Working with advisers who are properly qualified in both jurisdictions is essential.
bdhSterling are widely regarded as the leading UK to Australia pension transfer specialists. All our advice is provided in house by dual qualified UK FCA and Australian ASIC licensed advisers – not outsourced firms or affiliate partners. This means you receive fully integrated, compliant, cross border financial advice from one coordinated team.
Meet the team
Find out more about our team membersOur expertise includes:
- QROPS (Qualifying Recognised Overseas Pension Scheme) transfers
- Defined Benefit (DB) and Defined Contribution (DC) pension analysis
- Pension transfer strategies for clients under and over age 55
- SMSF QROPS establishment and implementation
- Support for transfers exceeding non‑concessional contribution caps
- Cross‑border tax considerations between the UK and Australia
- Long‑term retirement planning aligned to your residency and goals
bdhSterling is the only UK Chartered Financial Planning Firm with offices in Australia specialising in UK pension transfers to Australia. This status reflects our commitment to the highest professional, ethical and technical standards.
Trusted Worldwide
We’ve supported over 7,500 families, helping expats, retirees and globally mobile individuals successfully navigate the complexities of UK pension transfers.
Our technical insight is widely recognised, with other financial advice firms frequently engaging bdhSterling for specialist pension transfer support.
The 2026 Guide to Transferring a UK Pension to Australia
A clear, practical guide covering eligibility, tax considerations, timelines, and the steps involved in transferring your UK pension safely and efficiently.
How We Help
For UK Pension Members Moving to or Living in Australia
Every client’s situation is unique, and so is our advice. We tailor your transfer and retirement strategy to your residency, tax position and long‑term goals.
We commonly assist clients with:
- Pension values exceeding contribution caps
- Transfer planning before age 55
- Establishing SMSF structures that qualify as QROPS
- Appropriate retail QROPS solutions
- Consolidating multiple UK pensions and analysing DB benefits
Navigating Changing Legislation
UK and Australian pension rules change often and navigating them incorrectly can be costly.
We help you stay ahead of:
- UK Overseas Transfer Charges (OTC)
- QROPS eligibility requirements and regulatory changes
- Australian superannuation tax rules
- Contract‑based pension solutions for overseas residents
- Legislative updates affecting future access, contribution limits, or tax treatment
Your pension strategy is designed to remain compliant, efficient, and aligned with your long‑term residency plans.
Your Pension. Your Future. Done Properly.
With deep technical expertise, dual‑qualified advisers, Chartered Status, and decades of cross‑border experience, bdhSterling delivers clarity, confidence, and peace of mind – wherever life takes you.
Hear from our clients:
General Advice Warning
Looking to transfer your UK pension to Australia?
It’s important to get expert advice to help you make the right decisions about your pension.
We’re here to help you.
We’re widely recognised as the leading specialists in UK pension transfer to Australia. As a dual licensed financial planning firm, proudly holding the prestigious Chartered Status in the UK, we are uniquely positioned to provide advice that encompasses both countries.
Book your FREE initial consultation today, to learn how we can help you thrive in your new life.