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Insights & Updates

Financial clarity,
straight from us

Tax changes, HMRC updates, allowances, and practical financial insight — written for business owners and individuals, not accountants.

Allowances

Personal allowance 2025/26 — what's changed?

The personal allowance has been frozen until 2028. Here's what that means in practice for employees, sole traders, and directors drawing a salary — and how fiscal drag is quietly increasing your tax bill.

March 2026 · 5 min read Read more →
Tax & HMRC

Making Tax Digital — are you ready for the next phase?

MTD for Income Tax Self Assessment is coming from April 2026. We explain who's affected, when it applies, what software you need, and how to get set up without the stress.

March 2026 · 6 min read Read more →
Business Finance

Director salary vs dividends — what's the optimal split in 2025/26?

The most tax-efficient way to extract profit from your limited company depends on your circumstances. Here's the current thinking, what has changed, and what to watch out for.

March 2026 · 7 min read Read more →
Interest & Inflation

How interest rate changes affect your business cash flow

With rates still elevated, understanding the impact on loans, savings, and financing decisions is more important than ever. Here's a practical guide for small business owners.

March 2026 · 6 min read Read more →
Allowances

Capital Gains Tax — key changes and what to watch in 2025

CGT rates increased in October 2024 and Business Asset Disposal Relief is changing again in 2026. Here's what it means for business disposals, investments, and property sales.

March 2026 · 6 min read Read more →
Tax & HMRC

Self assessment deadlines — a complete guide for 2025/26

Miss a deadline and HMRC charges a penalty — even if you owe no tax. Here are all the key dates for the current tax year, the penalty structure, and a checklist to stay on track.

March 2026 · 5 min read Read more →

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