Lets assume I have a lot in my pension, but not a lot a more accessible wrapper. Is it possible to get a loan from somewhere for a few hundred thousand that you start paying off when you are able to access your pension, which is also backed by the pension?

I found a couple resources such as https://generationmoney.co.uk/pension-loan-borrowing-against-a-pension-in-the-uk/ which suggest it "counts as an unauthorised payment and attracts significant charges."

However, I also came across other resources such as https://www.moneysavingadvice.co.uk/guide/should-you-secure-a-loan-on-your-pension/ which seems to say it's possible.

So is this a thing? Is it a good strategy, or are there high fees or other downsides that make it not worth it?