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Lowe Accounting Solutions

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Lowe Accounting Solutions

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Affordable accounting solutions for businesses and individuals.

26/10/2026

Married or in a civil partnership? You might be owed £252.
If one of you earns under £12,570 and isn’t using their full personal allowance, you can transfer 10% of it to your other half. That’s Marriage Allowance, worth up to £252 a year off the higher earner’s tax bill.
The catch most people miss: the higher earner has to be a basic rate taxpayer, earning between £12,570 and £50,270. If they’re on 40%, it doesn’t apply.
It’s the lower earner who claims, and you can backdate it up to 4 years, so there could be more than one year’s worth sitting there.
Not sure if it applies to you? Send me a message.

23/10/2026

If you’re in Making Tax Digital, mark this one down.
Your next quarterly update is due 7th November, covering the quarter to 5th October. HMRC isn’t issuing penalty points for late quarterly updates this tax year, but you still have to send them, and your tax return can’t go in until they’re done.
Worth saying: that grace period is for late submissions only. Late payment penalties and interest apply in full from day one.
I keep track of these for my MTD clients, so if you’re not sure whether this applies to you, just ask.

21/10/2026

Director of a limited company? There’s a £60 penalty hiding in your next tax return.
From your 2025/26 return onwards, HMRC wants more detail on dividends paid by close companies, which is most small limited companies: the ones controlled by their directors, or by five or fewer shareholders.
You’ll need the company name and registered number, the dividends you received from that company listed separately from any other dividend income (even if that’s zero), and your shareholding percentage, the highest figure if it changed during the year.
Each failure to provide it carries a £60 penalty, and that’s per failure, not per return.
That return is due by 31st January, so worth sorting now rather than then. Send me a message.

19/10/2026

Making Tax Digital for Income Tax is live. Here’s who it actually affects.
The bit people get wrong: it isn’t based on what you’re earning now. HMRC looks at your income from two years back.
So if your combined self-employment and property income was over £50,000 in 2024/25, you’re in it already. Over £30,000 in 2025/26 and you join from April 2027. Over £20,000 in 2026/27 and you join from April 2028.
If you’re in it, year end filing is software only, HMRC won’t take it through the old portal.
Not sure where you stand? Send me a message and we’ll check together.

16/10/2026

Missed the 5th October deadline to register for Self Assessment? Here’s what to do.
Register with HMRC as soon as you can. The longer you leave it, the more it can cost if you end up owing tax.
If you don’t owe anything, there’s usually no penalty, but you still need to register.
Not sure where to start? Send me a message and we’ll sort it together.

14/10/2026

A free pass to pick my brain.

What’s the tax or money question that’s been nagging at you? The one you keep meaning to Google and never do.

Pop it below and I’ll answer. No question too small.

12/10/2026

What it’s actually like working with me.

Plain English, no jargon, no daft-question shame. Around all year, not just in January. And I’ll flag things early so nothing catches you out.

Sound like your kind of accountant? Come say hi.

09/10/2026

The most common thing I see trip people up, and it’s so easy to fix.

The mistake: not putting money aside for tax as you go. Then January lands and it’s a scramble.

The fix: move 20 to 30% into a separate pot every time you get paid. That’s it.

Guilty? You’re not the only one. Let’s sort it.

07/10/2026

Unhinged thoughts I had today as an accountant.

A tidy spreadsheet is like music to my ears. Your shoebox of receipts lives in my head rent free. And yes, I’m quietly judging your lack of a business bank account (lovingly).

Tell me the most ‘you’ thought your job gives you.

05/10/2026

Everyone leaves their tax return until January. My advice? Do the opposite.

Get it done now and you’ll know what you owe, skip the rush, and actually enjoy Christmas.

Ready to get ahead this year? I’m here.

Address

Brays Place
Saint Austell
PL25

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+44172666071

Website

http://www.loweaccountingsolutions.co.uk/

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