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Basic questions on pension contributions
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This current thread might be of interest 'mortgage vs pension '
https://forums.moneysavingexpert.com/discussion/6027888/mortgage-versus-pension0 -
You mention that you are a higher rate tax payer and then that your pension relief is on a "relief at source" basis.
Are you sure of this? If you are, are you claiming higher rate relief through your tax return?
https://www.litrg.org.uk/latest-news/news/181214-do-you-understand-how-tax-relief-your-pension-contributions-works
If you are on a "net pay" system, then you automatically receive all relief due and do not have to make a claim.
In a salary exchange scheme, you do not make a personal contribution - you give up a certain amount of salary but the company pays this amount plus company contribution plus (if you are lucky) some element of his NI saving into your pension.
As you haven't been taxed on the exchanged salary, there is no need to claim tax relief.
https://www.pruadviser.co.uk/knowledge-literature/knowledge-library/salary-sacrifice-facts/0
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