"I recently completed a complex UK pension transfer to Australia, and I couldn’t be happier with the service provided by Cradle. From the outset, they offered a comprehensive initial assessment to fully understand my situation before proceeding—something I found both professional and reassuring.

My case involved multiple UK pensions that needed to be consolidated before the transfer could take place. Cradle handled this with care and efficiency, ensuring every step was clearly communicated and expertly managed. Their team coordinated seamlessly with my Australian financial adviser (FinSec) and fund administrator (Super Concepts), making what could have been a stressful process feel smooth and well-supported.

Thanks to Cradle’s expertise & diligence, the transfer was completed without issue and in full compliance with all requirements. I’m grateful for their support and would highly recommend them to anyone navigating a UK pension transfer to Australia."

JM, NSW, Australia
October 2025

I was advised to transfer my pension to a QROPS in Gibraltar in 2015 when I was resident in Kuala Lumper by a local adviser, which in hindsight proved to be the worst financial decision of my life. A pension fund which started at near £200,000 was gradually dwindled down to just under £80,000 by 2022.

I am now UK-Resident and was introduced to Matt at Cradle, who clearly explained my options and highlighted that the fees on my QROPS, for administration of the pension and investment product amounted to 4.18% of my fund value (they were based upon the initial investment), and that along with the poor investments were the reason my fund continued to fall, which in turn led to higher percentage fees, so that eventually the pension would be virtually worthless.

Cradle advised me to transfer back to the UK at the end of 2022 and we have just had our first annual review. The on-going administration and investment platform charges are now in the region of 0.3% per annum, and for the first time since 2015 my pension value has risen. I can also now view my portfolio online at any time which was something I could not do previously. I feel confident for the first time in many years that my pension is back on track, and that I can take this into consideration when planning for retirement, which is something we will continue to plan for at each annual review or in the event of any emergencies.

Gary Brown, Bath UK, February 2024

I have to say what a pleasure it was dealing with Matthew Nash at Cradle Ltd. They were referred to me by a friend, as I have lived overseas (Italy) for about 5 years. All the paperwork was very straight-forward, and Matthew was always on hand to assist in any matters.

A lot of us don’t realise that our private pensions can be accessed if we live abroad and because of the unprofessional adverts we see or receive, we tend to think it’s a scam. This certainly isn’t a scam. It is controlled by the FSA and is completely legit.

I won’t disclose my own circumstances, but there is a product there to suit everyone. I would advise anyone living overseas with a British private pension to look into this with Cradle, as it is a great way of reaping the rewards of all your years at work.

Try them; they won’t let you down.

OSWALD HUGGINS TUSCANY, ITALY

I can state without a problem that Cradle were the most professional and straight company I came across, and as you remember, I tried several.

I will never have a problem recommending you guys; you did a great job and offered the best advice.

PETER SMITH, MORAIRA, SPAIN

You were the only people who came up with the solution I wanted. I appreciate the time it took and persistence to overcome the obstacles put in front of you by the various organisations which had a vested interest in not releasing my money.

I shall be very happy to recommend you to any prospective clients who may wish to know how much work you put in for a very reasonable fee. At the last count, the forms totalled over 200 pages – thanks for helping fill them in with me.

ANTHONY DAVIES, BAHIA, BRAZIL

I found the service provided smooth and efficient. I discussed my requirements and time frame, (which was in short to avoid the tax after 6 months), and was then walked through the process and the documents. I had direct contact from within Australia and the UK where every step was explained.
I was also provided with a detailed report explaining the exact pros and cons and costs that I would face, there were no hidden fees.

Actually, the transfer fund was increased by £1000 due to their diligence when checking the pot I was due from the UK pension fund. I strongly recommend providing a simple, clear and efficient service.

SIMON PARSONS, VICTORIA, AUSTRALIA

I’m very happy with the support you’ve given me with my pension so far, including organising the transfer out of the UK smoothly and quickly, helping me mitigate some of the Brexit risk, recommending good investment managers and keeping me updated on performance and developments in legislation.

I often receive calls from the usual sleazy salesmen of financial services and this reminds me how grateful I am to be working with you!

I had a few bad experiences in the past where I lost money. I can honestly say working with you guys is the first positive experience I’ve had with financial advisors!

LISA NICHOLS, UNITED ARAB EMIRATES

Thank you so much for your help, you certainly earned your money and your service was second to none.

Again, thank you very much for your assistance. I would not hesitate to recommend your services.

LYNN ATTARD, QUEENSLAND, AUSTRALIA

I utilised Cradle Overseas Pensions Ltd to administer the transfer of my UK pensions to a QROPS.

I found the service provided personal and professional. They took care to understand my individual circumstances and ensure the action was appropriate. The timescales were in line with those estimated.

I would recommend Cradle to anyone requiring a similar service.

JOHN SMITH, MONTSERRAT WEST INDIES

I began investigating the possibility of transferring my pension fund into a QROPS scheme three years ago and approached several providers and advisers, all found on the net. One, Keith Boniface of Brooklands International, introduced me to Cradle.

I contacted Matt shortly afterwards, and it was the beginning of one of the most rewarding and satisfying business relationships I have ever experienced. Matt has been unfailingly courteous, professional, responsive, and hardworking at every point over the last three years. Most importantly he has been straightforward, dealing openly and honestly with every query and concern I have had along the way. Although I have never met him, I like the man enormously and trust him totally. I am extremely satisfied with all the arrangements he has put in place for me. Because of my special requirements he had to work much harder, I think, than he normally would for a client but never tried to charge me anything for the extra work.

My QROPS was set up a year after my initial contact with him. It took that long because Matt was determined not to go with any provider until he was absolutely satisfied that all the necessary structures were in place and that I would be fully protected. Since then he has remained supportive and responsive in every communication, although I have tried to keep these to an absolute minimum because he has done so much.

I have absolutely no hesitation in recommending him.

GEOFFREY SMART, MALAYSIA