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The 2025 Budget brought major shifts for SMEs and business owners. Tax thresholds are frozen until 2030–31, meaning more people will drift into higher tax bands as wages rise. Dividend, savings and rental income tax rates are set to increase, reducing the benefits of the classic “low salary + dividends” strategy used by many directors and contractors. Overall, SMEs face higher tax burdens, increased payroll costs, and reduced incentives for traditional profit-extraction methods. Now is the time for business owners and contractors to reassess remuneration, pension planning and business structure.
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The routine services you would expect us to provide are listed below but it’s the important ongoing professional advice that really helps our clients.
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Thinking of gifting your home or savings to your children to avoid Inheritance Tax? It’s possible — but not without rules, risks, and legal traps. This expert guide explains how to gift assets the right way, avoid common pitfalls like the 7-year rule, and use smart strategies like joint ownership, trusts, and income gifting. Discover what works, what doesn’t, and how to protect both your legacy and your loved ones.
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Thinking of going self-employed? This step-by-step guide shows you exactly how to register as a sole trader in the UK for 2025. From deadlines and tax tips to HMRC setup and real-life examples, we break it all down in simple, jargon-free English. Perfect for freelancers, side hustlers, and new business owners!
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Curious about how much tax you'll pay when you're self-employed in the UK? This in-depth guide breaks down self-employment tax for 2025/26 — covering income tax, National Insurance, VAT, allowable expenses, and legal ways to reduce your bill. Learn when to register, what to claim, and how to avoid penalties. Perfect for sole traders, freelancers, and side hustlers who want to stay compliant and keep more of what they earn.
Thinking about becoming a sole trader in the UK? This blog post breaks down the key disadvantages you need to know before diving in. From personal liability risks and tax inefficiencies to funding challenges and limited growth potential, we explore real-world examples and practical advice to help you decide if sole trading is right for you. Learn how to protect yourself, manage your finances, and plan ahead for future business growth — all in clear, simple language.
We are experienced certified accountants in Kent that are committed to helping small businesses achieve growth.
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