We are aware that HMRC is challenging retailers that supply flooring, kitchens, and bathrooms where the retailer refers the customer to third party contractors for fitting services. Typically, HMRC will argue that a single supply of goods and fitting services is being made by the retailer. In many cases, the third-party fitters are not registered […]
Date What’s Due 1 September Corporation Tax for year to 30/11/2024, unless quarterly instalments apply 19 September PAYE & NIC deductions, and CIS return and tax, for month to 05/09/2025 (due 22/09 if you pay electronically) 1 October Corporation Tax for year to 31/12/2024, unless quarterly instalments apply 5 October Deadline for notifying HMRC of […]
Debt is often viewed in a negative light, and for good reason. It can lead to stress, reduce savings and create long-term financial pressure. However, not all borrowing is harmful. When used with care and purpose, it can support financial growth. Building healthier finances means recognising the difference between the good, the bad and the […]
The Chancellor, Rachel Reeves, has announced major changes to mortgage lending rules as part of the Government’s wider reforms to boost homeownership. These changes could open the door for more first-time buyers, but only if you understand what is really on offer. More mortgage, lower income The key change is around income multiples. Banks and […]
A recent survey by Retirement Review found that only a small proportion of people in the UK “strongly trust” financial advisers. Sadly, within our profession, that trust has been eroded over the years by certain advisers. Too many people have been left feeling like they were just another sales target, given advice that was more […]
Pensions can be a powerful way to pass wealth on to your family in a tax-efficient manner. Under current rules, most defined contribution pensions are not counted as part of your estate for Inheritance Tax purposes. This means they can often be passed on without any IHT to pay, especially if you die before the […]
It can be confusing trying to keep pace with the changes to Companies House since the introduction of the Economic Crime and Corporate Transparency Act 2023 (ECCTA). The biggest concern around these changes is that if any slip under the radar, you face penalties and fines for noncompliance. We know that Companies House is committed […]
The Employment Rights Bill looks set to come into law by the end of the year. Now is the time for any business that hires staff to sit up and take notice, as the bill will impact the way that your business operates. We are going to explore some of the more notable aspects, so […]
The UK unemployment rate has increased to 4.7 per cent from March to May 2025, while the annual growth in employees’ average earnings has slowed to five per cent, according to recent data from the Office for National Statistics (ONS). Job vacancies also fell in June to 727,000 – the 36th consecutive month of decline. […]
Grants are available to businesses in a wide variety of sectors, but unfortunately, too many businesses miss out on this vital form of funding. An overreliance on loans puts your business in the risky position of struggling to repay debts during periods of poor cash flow. Grants offer a much safer form of funding. Unlike […]
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