Bryan S

Hi, I'm doing some financial planning and looking to not renew my buy to let mortgage when it comes off of a 5 year fixed rate (as many I guess are doing given the vast difference in interest rates to what was teh case 5 years ago). One of the ways of doing that is to take my defined benefit pension a little early, and associated with that is entitlement to a Lump Sum. That said, if I do use that to help pay off my mortgage, and I do find, later in the year that I have more money because of the rental income and the fact I'll no longer have a fairly large mortgage payments to meet, as I'm approaching my retirement I was thinking to increase my pension contributions - which may well amount to over 30% of the lump sum (especially over a few years). Could such a situation where the other conditions for recyling have been met technically, result in HMRC deeming I've planned this, and so would fall foul of the recyling rules?