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As the Autumn Budget approaches on 26 November, several key financial changes are being speculated — here’s a quick summary of what might be announced:![]()
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🔹 Pension tax-free cash – The government may look to limit how much tax-free cash can be taken from pension pots, or adjust tax reliefs on contributions.![]()
🔹 Salary sacrifice arrangements – Possible changes to schemes that currently offer tax and National Insurance savings.![]()
🔹 ISA limits under review – The annual ISA allowance could be reduced, or new rules introduced to differentiate between cash and stocks & shares ISAs.![]()
🔹 Income tax & National Insurance – While rates are expected to stay the same, freezes to thresholds or targeted adjustments may bring more earners into higher tax bands.![]()
🔹 Property tax reforms – There’s speculation around possible stamp duty changes, new council tax bands, or even Capital Gains Tax being applied to main residences.![]()
🔹 Inheritance Tax (IHT) and Capital Gains Tax (CGT) – Both are under review, with potential cuts to allowances or higher rates being considered.![]()
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While nothing is confirmed yet, these discussions signal that tax and savings rules could look quite different in the coming year.![]()
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If you need any tax advice, before or after any upcoming reforms, our Baldock team is on hand to help. Book in for a free initial consultation today.![]()
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#AutumnBudget2025 #TaxUpdate #Pensions #ISAs #PropertyTax #Baldock #McColes #Accountant #HertsBusiness
With around a quarter of small businesses having experienced a cyber crime, it's now more important than ever to protect your business.![]()
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The National Cyber Security Centre has brought out a FREE cyber security toolkit to help keep your business safe. It's easy to follow and covers common cyber threats such as email hacking, data breaches and ransomware.![]()
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Find out more at: cybertoolkit.service.ncsc.gov.uk/![]()
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If you need any strategic advice for your small business, our Baldock team is here #cybersecuritye#hertsbusinesst#uksmallbusinessl#SMEi#baldockE #Baldock
A last minute reminder for anyone filing a paper Self-Assessment tax return — 31st October is the deadline.![]()
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If you file online you’ve got until 31st January.![]()
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If you need any help with Self-Assessment, book a consultation with our Baldock team.![]()
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#McColes #CharteredAccountant #SelfAssessment #Baldock #Accountant
Running a small business is hard enough without having to worry about VAT. From working out what you can reclaim to keeping up with Making Tax Digital, VAT can feel like a maze — and missing a deadline can quickly turn stressful.![]()
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That’s where we come in.![]()
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At McColes & Co, we help small businesses stay on top of their VAT — from registrations and returns to HMRC compliance and cash flow planning.![]()
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Whether you’re new to VAT or just tired of the admin, we’ll make it simple, clear, and stress-free.![]()
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Book in a free initial consultation with our Baldock team today.![]()
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#McColes #Accountant #Baldock #Letchworth #Royston #HertsBusiness #VAT #TaxAdvice #CharteredAccountant
Being a landlord comes with a lot to keep on top of — that’s where McColes & Co Chartered Accountants can help. We make property tax and paperwork easy, so you can focus on your rentals.![]()
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We can provide:![]()
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✅ Help with rental income tax returns![]()
✅ Advice on property expenses and what you can claim![]()
✅ Support with selling a property and Capital Gains Tax![]()
✅ Guidance on using a limited company for your rentals![]()
✅ Making Tax Digital – we’ll keep you compliant with HMRC![]()
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Whether you’ve got one property or a whole portfolio, we’re here to make things simpler.![]()
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Book in for a free initial consultation with our Baldock-based team today.![]()
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#McColes #Accountant #property #UKLandlord #TaxAdvice #Baldock #Royston #Letchworth
Client reviews
Lisa helped us set up our business over ten years ago and has remained our accountant ever since. We can always rely on her and the team for support and advice. Whether you are setting up a new business or looking for help with an existing one, we wholeheartedly recommend McColes & Co.
Elwyn Simmons
Apollo Interiors