If you are a company director paying for life insurance or private medical cover out of your own pocket, you might be missing out on significant tax savings. Many directors do not realise that structuring these insurance policies through their company can reduce their overall tax burden. For the tax year 2026/27, there are clear options that can help you save money while maintaining essential cover. This post breaks down the key insurance types relevant to company directors,

Employees can claim tax relief on expenses that are wholly, exclusively, and necessarily incurred in performing their job duties. This means the expense must be directly related to the work they do, not just helpful or convenient.

When an individual’s adjusted net income goes over £100,000, they start losing their personal allowance and access to the government’s tax-free childcare top-up. This can lead to unexpected tax bills and reduced benefits. But could reducing income actually help clients keep more money overall? This post explores how understanding personal allowance rules and adjusted net income can help you guide clients to better financial outcomes.

Published: 6th March 2026 As the tax year ends on 5 April, many people take a moment to organise their finances and plan their savings for the year ahead. This period offers a perfect opportunity to review where your money is, decide how much to set aside, and find accounts that fit your financial goals. Whether you’re planning to save part of a bonus, a one-off payment, or regular income, choosing the right savings account can make a significant difference. Organising saving

As the 5th of April deadline looms, business owners and individuals have a shrinking window to maximize tax relief opportunities. Now is the time to fine-tune your income extraction strategy, ensure your planned dividends are backed by sufficient reserves, and take advantage of pension contributions, capital allowances, and benefit planning. Don’t miss the chance to lock in valuable reliefs before the tax year ends—acting now could mean significant savings.

Published: 24 February 2026 HMRC has resumed direct recovery from bank accounts for unpaid tax debts over £1,000, warns an announcement by BR Pusser & Co Ltd. HMRC has resumed using its Direct Recovery of Debts (DRD) powers—an enforcement tool that allows it to recover unpaid tax directly from bank and building society accounts in specific circumstances. This matters because DRD was paused during the pandemic. Now it’s back in what HMRC calls a “test and learn” phase, and it

Are you a landlord in the UK navigating the shifting rental landscape? Discover how the new rent control and tenant protection regulations for 2026 could impact your property business. Stay ahead of the curve with key insights and practical tips to keep your rental investments thriving under the latest laws.”

HMRC’s self-assessment reminders warn of penalties if you don’t pay by 31 January — but that’s not the full story. While interest does apply immediately, late payment penalties don’t start until you’re 30 days overdue. Here’s what really happens, and what to do if you can’t pay on time.

One of the main reasons I recommend professional accounting services is their ability to improve overall financial management. They do more than just prepare tax returns or balance sheets. They offer a comprehensive approach to managing your finances.

Most people sleepwalk into a new year — but you’re not most people. This season is loaded with potential, and it’s yours to claim. Opportunity will pull you forward. Opposition will try to push you back. But you weren’t built to be pushed around by circumstances. Success doesn’t reward the most talented — it rewards the disciplined, the prepared, and the relentless. Step into 2026 with clarity, courage, and the confidence that your strongest, sharpest, most unstoppable self i

A hidden detail in the Budget reveals a major shift coming in 2029: employees with side hustles will be forced into earlier tax payments through PAYE. This change could squeeze cash flow, create unfair differences between taxpayers, and push small businesses closer to Making Tax Digital. Here’s what you need to know—and how to prepare.

Forming a partnership with your spouse can be one of the most effective ways to split income and reduce your joint tax bill — and HMRC’s own guidance surprisingly supports it. As long as both partners are entitled to income and capital, and you formalise the arrangement properly, the tax savings can be significant. Here’s what you need to know before you take the leap.

Charging your company interest on a director’s loan is one of the most effective — and least talked about — ways to extract profit tax-efficiently. When structured correctly, you can combine the savings starter rate, the personal savings allowance, and your personal allowance to receive interest payments with little to no tax. Here’s how to maximise the benefit while keeping HMRC firmly onside.

Flipping homes can be profitable, but tax rules may catch you out. Private Residence Relief (PRR) exempts gains from Capital Gains Tax if the property was your genuine main home. However, if your intent was to sell quickly for profit, PRR won’t apply and income tax may be due. Living in the property isn’t enough—document your reasons for buying, like proximity to work or personal needs, to support your claim. Intent matters more than duration.

With the cost of living rising, cashback sites and loyalty rewards can feel like a smart way to save — but not all rewards are tax-free. HMRC’s latest guidance explains when cashback and points count as personal perks, and when they become taxable business income. Here’s how to make sure your money-saving hacks don’t trigger an unexpected tax bill.

In business, truth and transparency aren’t optional—they’re essential. At B R Pusser & Co Ltd, we help you keep finances clear, make wise decisions, and build lasting trust.

More landlords are considering limited companies for their buy-to-let portfolios. This approach can offer tax advantages, asset protection, and inheritance planning benefits — but it also comes with higher costs and compliance responsibilities. Find out whether incorporating your property business could work for you.

Making smart financial moves: Opting for a loan from the company rather than extra salary or dividends. You recently borrowed a...

The UK inheritance tax system is undergoing sweeping reforms between 2025 and 2027, including a shift to a residence-based regime, tighter reliefs for business and agricultural assets, and the future inclusion of pensions within estates. With frozen thresholds and HMRC increasing its compliance activity, more families and business owners will find themselves affected. Now is the time to review your estate and succession planning to ensure your arrangements remain tax-efficien

If you’re the owner-manager of a limited company, you’ve got one big advantage when it comes to tax: you decide how and when you pay...