SeavorChartered

SeavorChartered SeavorChartered are Accountancy, Tax and Business Advisers based in Carlisle.

SeavorChartered are accountancy, tax and business advisers based in Carlisle, Cumbria that enjoy helping business owners take control of their finances. We provide advice to individuals and owner managed businesses to minimise their tax bills, ensure their obligations with statutory bodies such as HM Revenue & Customs and Companies House are met and to assist formulate plans to enable them to meet their personal and business goals.

🚗 Mileage allowance has increased to 55p per mile - but it’s not automatic.Since 6 April 2026, the approved mileage allo...
17/06/2026

🚗 Mileage allowance has increased to 55p per mile - but it’s not automatic.

Since 6 April 2026, the approved mileage allowance rate for cars and vans increased from 45p to 55p per mile for the first 10,000 business miles in the tax year. This should benefit employees, self-employed individuals and businesses where vehicle use is a regular part of working life.

However, employers are not required to increase the rate they pay. The HMRC approved rate sets the amount that can usually be paid tax-free, but it remains the employer’s choice whether to reimburse at that level.

In case you missed them, other key changes include:
⛽ The temporary 5p per litre fuel duty cut has been extended until 31 December 2026
🚜 Red diesel duty has been temporarily reduced from 15 June 2026 to 31 December 2026
🚛 HGV Vehicle Excise Duty renewals will be reduced to £1 for the next 12 months

What do you need to do right now? Read the full article for more information: https://f.mtr.cool/gmralokgeg

16/06/2026

National Minimum Wage is not always as simple as the hourly rate on a payslip.

Time spent in meetings, training or anything work-related outside someone’s usual shift may also need to be included in the calculation. This means employers need to look at the full picture, not just the basic hours worked.

Search for the 'SeavorAccountants' pod on our YouTube Channel to hear Charlie explain why payroll compliance can be more detailed than we might realise! 🎧

For businesses, borrowing is generally part of managing cashflow and planning for the future. Business debt isn't always...
15/06/2026

For businesses, borrowing is generally part of managing cashflow and planning for the future. Business debt isn't always a bad thing! 📊

The difficulty comes when payments start to feel less manageable, deadlines get closer, or the true cost of borrowing is not completely clear.

That's why it is worth keeping a regular eye on your numbers - a 12-week cashflow forecast can help you see what is coming up, spot any pressure early and make decisions with a bit more confidence.

If cash starts to feel tight, try not to wait until a payment is missed. Think ahead and take action early - you'll find there are more options available!

Head to our blog to read our practical guide to managing business debt effectively: https://f.mtr.cool/drrxnxuolm

12/06/2026

Statutory Sick Pay laws have recently changed, and this directly affects employers. Listen to the full podcast as Charlie, Helen and Francesca discuss what employers need to be aware of! 🎥

12/06/2026

Statutory Sick Pay laws have recently changed, and this directly affects employers. Listen to the full podcast as Charlie, Helen and Francesca discuss what employers need to be aware of! 🎥

https://f.mtr.cool/hvhonsnarr

Run a pub, café or restaurant with a children’s menu? 🍽️ A temporary VAT cut this summer could help you improve margins,...
11/06/2026

Run a pub, café or restaurant with a children’s menu? 🍽️

A temporary VAT cut this summer could help you improve margins, create family-friendly offers or bring more customers through the door during the school holidays.

From 25 June to 1 September 2026, qualifying children’s meals served by restaurants, cafés, pubs and similar venues will be subject to 5% VAT instead of 20%.

For hospitality businesses, this could create a short-term opportunity over the school summer holidays.

You could choose to:
✅ Keep prices the same and improve your margin
✅ Pass the saving on to customers through summer family offers
✅ Use it as part of a campaign to attract more families during the holidays

However, the rules need to be applied carefully.

Read the full blog on our website to find out:
• What counts as a qualifying children’s meal
• What doesn’t qualify
• How to prepare your menus, pricing and till systems
• How to use the change to support margins or attract more families this summer

Handled properly, this could be a useful short-term boost for pubs, restaurants and cafés!

Read more at: https://f.mtr.cool/dqidybdray

If you run a hospitality business and would like help understanding how the temporary VAT reduction applies to you, speak to the SeavorChartered team.
📞 01228 904904
📧 [email protected]

New podcast out now! 🎙️More families are being pulled into the inheritance tax conversation, and the upcoming 2027 chang...
10/06/2026

New podcast out now! 🎙️

More families are being pulled into the inheritance tax conversation, and the upcoming 2027 changes could make planning ahead even more important.

In the latest episode of the Seavor Podcast, Francesca is joined by Graeme and Charlie to break down the key points, including nil rate bands, gifting rules, pensions, property, reliefs and what the changes could mean for you.

For anyone thinking about how to plan ahead and protect more of what they’ve worked hard for, it’s well worth a listen!

Watch the full episode here: https://f.mtr.cool/ehugrljugu

09/06/2026

From RTI submissions to EPS deadlines and pension declarations, there are important dates employers need to keep on top of. Miss one, and it can quickly become a bigger headache than expected. Remember, payroll is more than just paying your staff!

🎥 Watch the full podcast as Francesca chats with Charlie and Helen about why having the right payroll support can make all the difference: https://f.mtr.cool/fyamwwitog

We’re delighted to hear how we helped Jobert get his business moving. Thanks for the kind words - supporting clients lik...
05/06/2026

We’re delighted to hear how we helped Jobert get his business moving. Thanks for the kind words - supporting clients like you is what drives us! 👍

More landlords are wondering whether buying or holding property through a limited company could be more tax efficient. I...
04/06/2026

More landlords are wondering whether buying or holding property through a limited company could be more tax efficient. It can be, but it's not always as straightforward as it sounds. 🔑🏡

There are some clear benefits, such as lower tax rates on retained profits and being able to deduct mortgage interest in full. However, moving property into a company can also bring extra costs, including Capital Gains Tax, Stamp Duty Land Tax, refinancing fees and more!

For some landlords, incorporation can be a smart long-term move - for others, keeping property in personal ownership (with the right planning) may still be the better option.

The key is to understand the bigger picture before making any decisions.

Head to the blog to read more: https://f.mtr.cool/weoksznnfx

Address

Unit 7 Clifford Court, Cooper Way
Carlisle
CA30JG

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 1pm

Telephone

+441228904904

Website

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