[CraigJPerry]

Can you not just do additional voluntary contributions? I.e. max out your matched contributions then I’m thinking most schemes will allow you to avc into your pension as much as you like, no need for a sal sac agreement. There will be limits to how much you can avc, I don’t think they’ll care if you exceed the £60k/year but you will because that’ll blow your tax free limit. They’ll probably only care if you avc so much you put yourself below min wage.

I might be missing something though, there might be a benefit to sal sac pension I don’t know about, if there is I’m. Definitely all ears!

Sal sac car does mean your salary agreement is reduced so you’re right, would affect mortgage application or credit in general. AVC’s don’t impact your salary but obv they do reduce your take home which a mortgage application will ask for anyway so prob not much diff between.

I haven’t taken the sal sac car option yet but I’m seriously considering it.

[MattPalmer1086]

There is another difference. Because your effective salary is lower, the employer (and maybe employee) national insurance tax is also lower. Many companies pass some of that difference on too to the pension contribution.