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Buzz Accounting Buzz exists for owners who want more than basic bookkeeping. We combine accountancy, advisory & coaching to help you grow

If you let a property in your own name, your mortgage interest no longer comes off the rent before tax. You're taxed on ...
31/08/2026

If you let a property in your own name, your mortgage interest no longer comes off the rent before tax. You're taxed on the rent, then given 20% of the interest back as a credit.

For a higher rate taxpayer that's roughly £1,800 a year more tax on a typical single buy-to-let, for exactly the same cash.

The rules settled in 2020. A lot of advice online still hasn't.

A free guide for landlords covering what you can and can't claim, personal versus limited company ownership, record-keeping and staying HMRC-compliant.

Trade credit insurance: worth it, or a cost you can credit-check your way out of?If one customer going under would take ...
31/08/2026

Trade credit insurance: worth it, or a cost you can credit-check your way out of?

If one customer going under would take your year with it, this is the product that exists for that. Here is what it actually costs, what it will not cover, and the concentration test that decides whether you need it.

If one customer going under would take your year with it, this is the product that exists for that.

The harassment rules change on 30 October — what a small employer actually has to doFrom 30 October 2026 the prevention ...
30/08/2026

The harassment rules change on 30 October — what a small employer actually has to do

From 30 October 2026 the prevention duty tightens to all reasonable steps, and harassment of your staff by customers becomes your liability. Here is what that means if you have five people and no HR department.

From 30 October 2026 the prevention duty tightens to all reasonable steps, and harassment of your staff by customers becomes your liability.

The Growth Guarantee Scheme: what a government-backed business loan actually guaranteesThere is a government guarantee s...
29/08/2026

The Growth Guarantee Scheme: what a government-backed business loan actually guarantees

There is a government guarantee sitting behind a lot of UK small business lending, and almost every owner who uses it misunderstands who it protects. It is not you.

There is a government guarantee sitting behind a lot of UK small business lending, and almost every owner who uses it misunderstands who it protects.

You can be profitable and still run out of money.Profit is about the period. Cash is about today. You invoice in March, ...
28/08/2026

You can be profitable and still run out of money.

Profit is about the period. Cash is about today. You invoice in March, the profit counts in March — but the money turns up in June, and payroll still ran in April.

The strange part is that growth makes it worse. Every new job needs paying for before it pays you.

A profitable business can still run out of money. Here's why, and what to actually watch instead.

CDFI loans: how to borrow when the bank has already said noA bank decline is not the end of the funding conversation. Co...
28/08/2026

CDFI loans: how to borrow when the bank has already said no

A bank decline is not the end of the funding conversation. Community lenders, Start Up Loans and the Growth Guarantee Scheme all exist for businesses the high street will not touch — here is what each one actually costs.

A bank decline is not the end of the funding conversation. Community lenders, Start Up Loans and the Growth Guarantee Scheme all exist for businesses the…

Working in construction? Two questions worth asking this week.1. Are you being deducted at 20% or 30%? The 30% rate appl...
27/08/2026

Working in construction? Two questions worth asking this week.

1. Are you being deducted at 20% or 30%? The 30% rate applies when HMRC can't match you — and fixing that is paperwork, not tax planning.

2. If you run a limited company, is your CIS being offset against your monthly PAYE bill? It can be. If nobody's filing the EPS, it isn't, and HMRC keeps the money until April.

Construction is one of Northern Ireland's strongest sectors and one of the most penalty-prone for paperwork. The technical rules aren't difficult.

Using a commercial finance broker: what they cost and who actually pays themA good broker gets you a facility the bank r...
27/08/2026

Using a commercial finance broker: what they cost and who actually pays them

A good broker gets you a facility the bank refused. A bad one costs you thousands you never see, because the lender pays them and nobody is obliged to tell you how much.

A good broker gets you a facility the bank refused. A bad one costs you thousands you never see, because the lender pays them and nobody is obliged to…

Turnover is vanity, margin is sanity.A business turning over £500,000 at 5% net margin makes £25,000. One turning over £...
26/08/2026

Turnover is vanity, margin is sanity.

A business turning over £500,000 at 5% net margin makes £25,000. One turning over £300,000 at 15% makes £45,000 — nearly twice the profit for 40% less work.

Everyone knows their turnover. Far fewer know their margin, and it's the one that decides whether the year was worth it.

A free guide to the five numbers every business owner should track regularly — what each one means, why it matters, and how to work it out.

Capital allowances in 2026: what you can actually write off when you buy kitThe rules changed twice this year. Here is w...
26/08/2026

Capital allowances in 2026: what you can actually write off when you buy kit

The rules changed twice this year. Here is what a van, a machine or a bank of laptops is really worth off your tax bill now — and why the headline new allowance is worse than the old one for most small firms.

The rules changed twice this year. Here is what a van, a machine or a bank of laptops is really worth off your tax bill now — and why the headline new…

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