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Alexanders Accountants - Horley, 27 High Street, Horley (2026)

27/08/2026

𝗠𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝟱 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗮𝗿𝗲 𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝘁𝗼 𝘀𝗲𝗲 𝘁𝗵𝗲𝗶𝗿 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗿𝗶𝘀𝗲 𝗯𝘆 𝘁𝗵𝗲 𝗲𝗻𝗱 𝗼𝗳 𝟮𝟬𝟮𝟴, 𝗮𝗰𝗰𝗼𝗿𝗱𝗶𝗻𝗴 𝘁𝗼 𝗻𝗲𝘄 𝗕𝗮𝗻𝗸 𝗼𝗳 𝗘𝗻𝗴𝗹𝗮𝗻𝗱 𝗳𝗼𝗿𝗲𝗰𝗮𝘀𝘁𝘀.

That is 1m more than the Bank predicted in December, with the change linked to the economic impact of the Iran war and higher energy prices.

The Bank’s latest Financial Stability Report said the increase should be less severe than the payment shocks seen in recent years. A typical owner-occupier coming off a fixed-rate deal in the next two years is expected to pay around £45 more a month. By comparison, those refinancing between late 2022 and the end of 2024 faced an average rise of £120 a month.

However, some households face a much sharper increase. Around 750,000 homeowners currently paying less than 3% interest are due to come off those deals this year. The Bank expects their repayments to rise by an average of £170 a month.

More than eight in 10 mortgage customers are on fixed-rate deals, usually lasting two or five years. Their payments stay the same until the deal ends and they choose a new one.

Before the Iran conflict, more than 2m borrowers with two-year fixed deals expiring by the end of 2028 had been expected to remortgage at similar rates, with some seeing repayments fall. The Bank now says falling repayments are less likely.

20/08/2026

𝗙𝗿𝗮𝘂𝗱𝘂𝗹𝗲𝗻𝘁 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 𝗼𝘃𝗲𝗿𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗿𝗲𝗮𝗰𝗵𝗲𝗱 £𝟵.𝟵 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝟮𝟬𝟮𝟱/𝟮𝟲, 𝗮𝗰𝗰𝗼𝗿𝗱𝗶𝗻𝗴 𝘁𝗼 𝘁𝗵𝗲 𝗗𝗲𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁 𝗳𝗼𝗿 𝗪𝗼𝗿𝗸 𝗮𝗻𝗱 𝗣𝗲𝗻𝘀𝗶𝗼𝗻𝘀’ 𝗹𝗮𝘁𝗲𝘀𝘁 𝗮𝗻𝗻𝘂𝗮𝗹 𝗿𝗲𝗽𝗼𝗿𝘁.

The overall overpayment rate fell slightly from 3.3% to 3.2% of benefit spending measured for fraud and error. However, the total value increased from £9.4bn to £9.9bn because overall benefit expenditure rose during the year.

Universal Credit continued to account for the largest share of overpayments. The overpayment rate fell from 9.5% to 8.5%, but the cash value increased to £6.7bn from £6.2bn.

Housing Benefit overpayments also declined, falling from 7.2% (£1.1bn) to 6.2% (£800 million). In contrast, Personal Independence Payment (PIP) overpayments almost doubled, rising from £330m to £660m as the overpayment rate increased from 1.3% to 2.3%.

Pension Credit recorded the highest overpayment rate of any benefit at 10%, equivalent to £620m, compared with 10.3% (£610m) a year earlier. State Pension overpayments also increased, rising from £180m to £230m.

The DWP said its counter-fraud work prevented around £27bn of incorrect payments during the year. It also reviewed 1.2 million Universal Credit claims, identifying and correcting around 250,000 awards, generating estimated savings of £1.1bn.

The department said it remains on course to reduce the overall fraud and error rate across the welfare system to 2.8% by 2028/29.

13/08/2026

𝗡𝗲𝘄 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀 𝗵𝗮𝘃𝗲 𝗰𝗼𝗻𝗳𝗶𝗿𝗺𝗲𝗱 𝘄𝗵𝗲𝗻 𝘁𝗮𝘅 𝗮𝗱𝘃𝗶𝘀𝗲𝗿𝘀 𝗺𝘂𝘀𝘁 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝘄𝗶𝘁𝗵 𝗛𝗠𝗥𝗖 𝘂𝗻𝗱𝗲𝗿 𝗮 𝗺𝗮𝗻𝗱𝗮𝘁𝗼𝗿𝘆 𝗿𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝘀𝘆𝘀𝘁𝗲𝗺 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗔𝗰𝘁 𝟮𝟬𝟮𝟲.

The rules apply to businesses that are paid to interact with HMRC about another person’s tax affairs. Registration is completed through an agent services account (ASA), which advisers use to access certain HMRC online services.

Advisers that already have an ASA immediately before 18 August 2026 will be treated as registered from that date. HMRC is expected to contact these firms in early 2027, when they will need to identify relevant individuals within the business and provide evidence of anti-money laundering supervision.

Advisers without an ASA must apply during one of four registration periods. The first runs from 18 May to 17 August 2026, followed by windows ending on 17 November 2026, 17 February 2027 and 31 March 2027. The applicable deadline depends on the services provided and the adviser’s circumstances.

The requirement applies to tax advisers rather than their clients and does not create a new registration obligation for taxpayers using professional services. Clients should therefore see little change to how their tax returns and routine HMRC correspondence are handled, although their adviser may need to complete additional administrative checks as the registration system is introduced.

06/08/2026

𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝘁𝗮𝘅 𝗮𝗴𝗲𝗻𝘁𝘀 𝗰𝗮𝗻 𝗻𝗼𝘄 𝗿𝗲𝗽𝗼𝗿𝘁 𝘀𝘂𝘀𝗽𝗶𝗰𝗶𝗼𝘂𝘀 𝗮𝗰𝘁𝗶𝘃𝗶𝘁𝘆 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘁𝗵𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗰𝗼𝗻𝘀𝗼𝗹𝗲 𝗶𝗻 𝘁𝗵𝗲𝗶𝗿 𝗛𝗠𝗥𝗖 𝗮𝗴𝗲𝗻𝘁 𝗼𝗻𝗹𝗶𝗻𝗲 𝗮𝗰𝗰𝗼𝘂𝗻𝘁.

The new service replaces the previous online form and requires multi-factor authentication, which HMRC is rolling out across all agent services accounts.

Warning signs include unexpected access codes, password changes, unexplained client record amendments, unexpected HMRC letters or payments.

If you suspect your account has been compromised, report it immediately and change your password where possible. Firms should also review access permissions regularly and ensure staff understand the warning signs.

Talk to us about your finances.

30/07/2026

𝗥𝘂𝗻𝗻𝗶𝗻𝗴 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗼𝗺𝗲𝘀 𝘄𝗶𝘁𝗵 𝗽𝗹𝗲𝗻𝘁𝘆 𝘁𝗼 𝘁𝗵𝗶𝗻𝗸 𝗮𝗯𝗼𝘂𝘁, 𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗻𝗼𝘁 𝗯𝗲 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗮𝗱𝗱𝘀 𝗲𝘅𝘁𝗿𝗮 𝘀𝘁𝗿𝗲𝘀𝘀.

At Alexanders Accountants, we support individuals and businesses with clear, practical accountancy services, including accounts, tax, payroll, bookkeeping and business advice.

Our website gives you a simple overview of who we are, what we do and how we can help. Whether you are starting a new business, looking for support with your tax return, or want to keep your finances better organised, we are here to make things easier to understand.

𝗩𝗶𝘀𝗶𝘁 𝗼𝘂𝗿 𝘄𝗲𝗯𝘀𝗶𝘁𝗲 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗼𝘂𝗿 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗮𝗻𝗱 𝘀𝗲𝗲 𝗵𝗼𝘄 𝗔𝗹𝗲𝘅𝗮𝗻𝗱𝗲𝗿𝘀 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗰𝗮𝗻 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝘆𝗼𝘂.

23/07/2026

𝗬𝗼𝘂𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲 𝗮𝗿𝗲 𝗳𝗮𝗰𝗶𝗻𝗴 𝗮 𝘁𝗼𝘂𝗴𝗵𝗲𝗿 𝘀𝘁𝗮𝗿𝘁 𝘁𝗼 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗹𝗶𝗳𝗲.

A major review has warned that one in six 16 to 24-year-olds could be out of work, education or training within five years unless action is taken. It also found that many young people want work or training, but are struggling to find the right opportunities.

For employers, this is a reminder of the role businesses can play in helping young people build skills and gain experience.

It may be worth considering:

Apprenticeships
Work placements
Entry-level roles
Training opportunities
Clear career pathways

Giving young people a route into work can support the next generation while helping businesses build a stronger future workforce.

16/07/2026

𝗠𝗮𝗻𝘆 𝘄𝗼𝗿𝗸𝗲𝗿𝘀 𝗰𝗼𝘂𝗹𝗱 𝗳𝗮𝗰𝗲 𝗮 𝘀𝗵𝗼𝗿𝘁𝗳𝗮𝗹𝗹 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁.

New figures from Pensions UK show that more than three-quarters of workers are not on track to save enough for a moderate standard of living when they retire. The report estimates that a moderate retirement now costs £32,700 a year for a single person and £45,400 for a couple.

For individuals and business owners, this is a reminder to review pension plans sooner rather than later.

It may be worth checking:

Your current pension contributions
Any old workplace pensions
Your expected retirement income
Whether your savings match your plans
How tax relief could support your contributions

Small changes made early can make a real difference over time.

09/07/2026

𝗧𝗵𝗲 𝗨𝗞 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝗶𝘀 𝗿𝗲𝘃𝗶𝗲𝘄𝗶𝗻𝗴 𝗲𝗹𝗲𝗰𝘁𝗿𝗶𝗰 𝘃𝗲𝗵𝗶𝗰𝗹𝗲 𝘀𝗮𝗹𝗲𝘀 𝘁𝗮𝗿𝗴𝗲𝘁𝘀.

The Zero Emission Vehicle mandate requires carmakers to sell a rising share of electric vehicles each year. However, manufacturers and industry groups have warned that the current timetable could increase costs and put pressure on jobs.

For businesses, this could affect future vehicle choices, fleet planning and the timing of any move to electric cars.

The key points to keep in mind:

EV targets may change
Hybrid vehicles could remain part of the transition
Costs and availability may be affected
Fleet plans may need to stay flexible

Businesses planning to buy or lease vehicles should keep an eye on the review before making long-term decisions.

02/07/2026

𝗔𝗜 𝗶𝘀 𝗺𝗮𝗸𝗶𝗻𝗴 𝗳𝗿𝗮𝘂𝗱 𝗺𝗼𝗿𝗲 𝗰𝗼𝗻𝘃𝗶𝗻𝗰𝗶𝗻𝗴.

New figures show more than 4.1 million UK fraud cases involving stolen money were reported last year, with almost £1.3bn taken. Criminals are now using artificial intelligence to clone voices, create fake identities and build more believable scams.

For businesses, this means extra care is needed before making payments, sharing details or acting on urgent requests.

Always check:

Payment changes
Supplier requests
Unexpected emails
Links and attachments
Requests for personal or financial information

𝗔 𝗾𝘂𝗶𝗰𝗸 𝗽𝗵𝗼𝗻𝗲 𝗰𝗮𝗹𝗹 𝘁𝗼 𝗮 𝘁𝗿𝘂𝘀𝘁𝗲𝗱 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗰𝗼𝘂𝗹𝗱 𝘀𝘁𝗼𝗽 𝗮 𝗰𝗼𝘀𝘁𝗹𝘆 𝗺𝗶𝘀𝘁𝗮𝗸𝗲.

25/06/2026

𝗧𝗵𝗲 𝗨𝗞 𝗲𝗰𝗼𝗻𝗼𝗺𝘆 𝗴𝗿𝗲𝘄 𝗯𝘆 𝟬.𝟯% 𝗶𝗻 𝗠𝗮𝗿𝗰𝗵, 𝗱𝗲𝘀𝗽𝗶𝘁𝗲 𝗰𝗼𝗻𝗰𝗲𝗿𝗻𝘀 𝗹𝗶𝗻𝗸𝗲𝗱 𝘁𝗼 𝘁𝗵𝗲 𝘄𝗮𝗿 𝗶𝗻 𝗜𝗿𝗮𝗻.

The figures were stronger than expected, with some consumers and businesses bringing forward spending because of fears that prices could rise later in the year.

Retail and construction also helped support growth in the first quarter, with the economy growing by 0.6% overall.

But the picture is still uncertain.

Economists have warned that the wider impact of the conflict may affect growth in the months ahead.

For business owners, this is another reminder that economic conditions can change quickly.

Higher costs, shifting demand and uncertainty can all affect cash flow and future plans.

Now is a good time to review your numbers, check your forecasts and make sure your business is prepared for different outcomes.

𝗧𝗮𝗹𝗸 𝘁𝗼 𝘂𝘀 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀.

Alexanders Accountants - Horley

27/08/2026

20/08/2026

13/08/2026

06/08/2026

30/07/2026

23/07/2026

16/07/2026

09/07/2026

02/07/2026

25/06/2026

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