Our Complete Process
We help you with everything from initial assessment to final approval, ensuring you get the maximum benefit from your voluntary National Insurance contributions.
Initial Assessment
We review your personal circumstances, residency status, and pension goals to determine if voluntary contributions are right for you.
NI Record Analysis
We help you obtain your complete National Insurance record from HMRC and identify gaps that can be filled with voluntary contributions.
Cost-Benefit Analysis
We calculate the exact costs of voluntary contributions and the potential increase to your State Pension, showing clear return on investment.
Application Preparation
Together we help you prepare and submit all necessary applications to HMRC, ensuring everything is completed accurately and on time.
HMRC Liaison
If you receive any communication from HMRC, we’ll assist you in following up and resolving any issues that arise.
Final Confirmation
Once approved by HMRC, we guide you on how to make payments towards your enhanced pension entitlement.
What Makes Us Different
100% Refund Guarantee
If HMRC doesn't approve your application for voluntary contributions, we refund your entire fee.
Expert Knowledge
We've helped dozens of UK Expats upgrade their UK state pension through our services. Our knowledge helps ensure everything is completed as accurately as possible to achieve the best possible outcome.
Fast Processing
We work quickly with our clients to process their application. Meeting deadlines can sometimes mean the difference between gaining an extra €340 per year.
What's Included in Our Service
Assessment & Planning
- Complete eligibility assessment
- National Insurance record analysis
- Cost-benefit calculation
- Pension projection modeling
- Personalized recommendation report
Application & Support
- Help gathering and organising required info
- Eligibility and contribution review
- Step-by-step form guidance
- Support with documents and cover letter
- Final check before submission
- Help understanding HMRC replies & tracking progress
Common Scenarios We Handle
Many UK expats left the country before accumulating the full 35 years of National Insurance contributions needed for the maximum State Pension. We help you:
- Identify how many years you need to reach full pension
- Calculate the cost of filling those gaps
- Determine the best strategy for maximizing your pension
- Apply for the most cost-effective contribution types
Time spent in higher education, raising children, or career breaks can create gaps in your National Insurance record. We help you:
- Identify periods where you may have missed contributions
- Determine if these gaps can be filled voluntarily
- Calculate the impact on your State Pension
- Apply for backdated contributions where possible
Self-employed individuals or contractors may have gaps in their National Insurance record, especially if earnings were below the threshold. We help you:
- Review your self-employment National Insurance history
- Identify years where voluntary contributions could help
- Determine the most appropriate contribution class
- Apply for the contributions that provide the best value
If you're approaching State Pension age and realize you have gaps in your record, time is of the essence. We help you:
- Quickly assess your pension position
- Identify the most cost-effective years to fill
- Help complete your application with HMRC
- Maximise your pension before it's too late
Success Stories
Annual pension increase
Paul, Cyprus: With only 5 years of NI contributions from time spent in the UK, we identified 30 years of past and future contributions and helped him fill the historic gaps. His State Pension effectively increased by £10,250 per year.
Annual pension increase
Clive, Cyprus: With just a few years to retirement, Clive only had 7 years of NI contributions on record. With our help, we helped apply a total of 22 years of extra NI contributions (past and future), increasing his pension entitlement by £7,525 annually.
Annual pension increase
Katerina, Cyprus: Living in Cyprus from the age of 19, we helped Katerina get on track with her pension contributions and will be set for a full UK state pension on retirement as well as her full Cypriot state pension.
Ready to Boost Your UK State Pension?
Let our expert team guide you through the process and maximize your pension benefits. Get started today with our professional service.
100% refundable if HMRC won't allow voluntary contributions