Bradshaw Johnson Chartered Accountants

Bradshaw Johnson Chartered Accountants www.bjca.co.uk Chartered accountants with offices in Hitchin, Hertfordshire and St Neots, Cambs

As a friendly and dynamic Practice, we pride ourselves on our long term relationships with many of our clients, some of whom have been with us for over 40 years. Such is their confidence in the service we offer, we now act for younger generations and their families as well! As well as acting for clients who are local to our two offices, we also represent high-value enterprises based in London, as

well as an extensive portfolio of national and international clients. We offer a broad spectrum of expertise in many diverse areas including industrial, commercial, farming, building, technological and professional businesses. We also liaise closely with professional institutions, solicitors and barristers on many investigations and litigation support matters.

The Bank of England has held the base rate at 3.75% for the fourth consecutive time. 📊The Monetary Policy Committee vote...
25/06/2026

The Bank of England has held the base rate at 3.75% for the fourth consecutive time. 📊

The Monetary Policy Committee voted 7-2 to keep rates unchanged, with two members pushing for a rise to 4%. The decision comes as UK inflation sits at 2.8% — still above the Bank's 2% target — with energy prices linked to the Middle East situation remaining a key factor in the Bank's thinking.

What does this mean for you?

🏠 Tracker and variable rate mortgage holders won't see an increase in repayments for now
💰 Savers should continue to see decent returns on savings accounts, for the time being
📈 Markets are currently leaning towards rates staying steady for the rest of the year, though this isn't guaranteed

With so much uncertainty still in play, now is a good time to review your finances — whether that's your mortgage, savings, or wider financial planning. 😊

Get in touch with our team if you'd like to talk through what this means for you.

Running a small business right now isn't easy — but there is support out there! 💪The government's "Backing Your Business...
24/06/2026

Running a small business right now isn't easy — but there is support out there! 💪

The government's "Backing Your Business" programme is bringing together a range of initiatives to help smaller businesses grow, invest and build long-term resilience. Here are some of the key areas it covers:

✅ Late payments — stronger powers proposed for the Small Business Commissioner to help businesses recover money owed by larger organisations
✅ Access to finance and investment
✅ Support for exporters
✅ Digital technology and AI tools to improve efficiency and reduce admin
✅ Cutting unnecessary red tape

Of course, rising employment costs, borrowing costs and economic uncertainty mean it's still a tough environment for many business owners. That's why making the most of available support — and keeping a close eye on your finances — has never been more important.

At Bradshaw Johnson Chartered Accountants, we help businesses stay on top of their cash flow, plan strategically and adapt to changing conditions. If you'd like a chat about how we can support your business, we'd love to hear from you!

Thinking of starting a new business? We'd love to help you get it right from day one! 🚀At Bradshaw Johnson Chartered Acc...
23/06/2026

Thinking of starting a new business? We'd love to help you get it right from day one! 🚀

At Bradshaw Johnson Chartered Accountants, we know that launching a business can feel overwhelming — but with the right support, it doesn't have to be. From your initial idea through to getting up and running, we're here to make the process as smooth and hassle-free as possible.

We can help you with:

✅ Choosing the right structure — sole trader, partnership, LLP, limited company or PLC
✅ Company formation procedures
✅ Business plans, cash flow forecasts and projections
✅ Arranging finance
✅ Bookkeeping and management systems
✅ Tax planning

One of the best things you can do when starting out is come and talk to us early — before any unexpected problems crop up. We'll take a realistic, constructive look at your plans and give you the confidence to move forward.

Ready to take the first step? Get in touch today — we'd love to hear about your business idea! 📞📩

Attention company directors! 🚨 Big changes are happening at Companies House, and it's important to make sure you're prep...
22/06/2026

Attention company directors! 🚨 Big changes are happening at Companies House, and it's important to make sure you're prepared.

The government is rolling out compulsory identity verification for company directors and Persons with Significant Control (PSCs) as part of a major push to improve corporate transparency and tackle economic crime. If you're a director, you'll eventually need to complete this verification before you can file information or take certain actions on behalf of your company.

The transition period is already underway — and many smaller businesses haven't yet looked into what this means for them. Don't get caught out! Companies that leave it to the last minute could face delays and unnecessary hassle when deadlines hit.

The good news? You don't have to navigate this alone. As an Authorised Corporate Service Provider (ACSP), Bradshaw Johnson Chartered Accountants can carry out the identity verification process on your behalf — making the whole thing straightforward and stress-free.

Now is a great time to:
✅ Review your Companies House records
✅ Check your director and PSC details are up to date
✅ Get your verification sorted before the deadlines arrive

Get in touch with us today and we'll take care of it for you. 📩📞

Are you married or in a civil partnership? You could be missing out on a tax saving worth up to £252 this year! 💍The Mar...
19/06/2026

Are you married or in a civil partnership? You could be missing out on a tax saving worth up to £252 this year! 💍

The Marriage Allowance lets the lower-earning partner transfer £1,260 of their Personal Allowance to their spouse or civil partner — reducing the couple's overall tax bill. To qualify, one of you needs to earn below £12,570, and the other needs to be a basic-rate taxpayer (earning between £12,571 and £50,270 in 2026-27).

Here's what makes it even better:

📅 You can backdate your claim all the way to April 2022 — meaning some couples could receive a lump sum back from HMRC!
🔁 Once you've claimed, it renews automatically each year
📍 Different rules apply for Scottish taxpayers, so it's worth checking your position

If your income levels have changed recently, or you've never made a claim, now is a great time to check whether you qualify. It's a straightforward claim that could put money back in your pocket with no changes to your work or lifestyle needed.

Give us a call or drop us a message — we'd love to help! 📩📞

Are you claiming Child Benefit? 👨‍👩‍👧‍👦 If you or your partner earns over £60,000, it's important to understand how the ...
18/06/2026

Are you claiming Child Benefit? 👨‍👩‍👧‍👦 If you or your partner earns over £60,000, it's important to understand how the High Income Child Benefit Charge could affect you.

The charge gradually claws back Child Benefit payments for higher earners — and by the time income hits £80,000, the financial benefit disappears altogether. But here's the thing: stopping your claim isn't always the right answer!

Continuing to claim can protect your National Insurance record and make sure your child gets their NI number automatically at 16. And good news — you might be able to sort the charge through your tax code, rather than filing a full Self Assessment return.

If your income is near or above £60,000, it's worth having a conversation with us. We'll help you understand your options and make the right call for your family. 📞

🏡 Are you a landlord? Make sure you're making the most of the tax reliefs available to you.If you earn income from renti...
17/06/2026

🏡 Are you a landlord? Make sure you're making the most of the tax reliefs available to you.

If you earn income from renting out property, it's important to understand both your tax obligations and the expenses you may be entitled to claim.

Many landlords are aware that rental income is taxable, but fewer realise just how many allowable expenses can help reduce their tax bill. Depending on your circumstances, you may be able to claim for:
✔️ Letting agent fees
✔️ Landlord insurance
✔️ Repairs and maintenance
✔️ Service charges and utility costs
✔️ Accountancy fees
✔️ Advertising and marketing costs
✔️ Replacement furnishings and white goods

Landlords may also benefit from the Property Allowance and, in some cases, be able to utilise property losses against future rental profits.

With Making Tax Digital changes on the horizon and increasing responsibilities for landlords, ensuring your records are accurate and your tax affairs are managed correctly has never been more important.

At Bradshaw Johnson Chartered Accountants, we support landlords with everything from rental accounts and tax returns to tax planning and Making Tax Digital compliance, helping to take the pressure off and ensure you're claiming all the reliefs available to you.

📞 Contact us today to arrange a free consultation with one of our Partners and find out how we can help maximise the profitability of your property investments.

📢 Self-employed? Are you claiming all of your allowable business expenses?Many self-employed individuals and sole trader...
16/06/2026

📢 Self-employed? Are you claiming all of your allowable business expenses?

Many self-employed individuals and sole traders could be paying more tax than necessary simply because they're not claiming all of the expenses they're entitled to.

Allowable business expenses can help reduce your taxable profit and, ultimately, your tax bill. Depending on your business, these could include:
✔️ Office expenses and software subscriptions
✔️ Business premises costs
✔️ Travel and mileage expenses
✔️ Advertising and marketing
✔️ Professional subscriptions
✔️ Staff and subcontractor costs
✔️ Stock and materials
✔️ Working from home expenses

Keeping accurate records and understanding what can and cannot be claimed is essential, particularly as HMRC continues its move towards Making Tax Digital.

At Bradshaw Johnson Chartered Accountants, we help self-employed individuals maximise legitimate tax deductions, stay compliant with HMRC requirements and take the stress out of managing their finances.

Whether you're newly self-employed or have been running your business for years, a review of your expenses could help ensure you're not paying more tax than necessary.

📞 Contact us today to arrange a free consultation.

💷 Are you making the most of the tax benefits available through your pension?Pensions remain one of the most tax-efficie...
15/06/2026

💷 Are you making the most of the tax benefits available through your pension?

Pensions remain one of the most tax-efficient ways to save for retirement, yet many people are unaware of the valuable tax reliefs and allowances available to them.

By contributing to a pension, you could benefit from:
✔️ Tax relief on your contributions
✔️ Potentially lower tax liabilities
✔️ Long-term growth of your retirement savings
✔️ Tax-free withdrawals in retirement (subject to current rules)

With many people concerned about the growing retirement savings gap, now is a great time to review your pension arrangements and ensure you're making the most of the opportunities available.

Whether you're employed, self-employed, a company director or approaching retirement, careful pension planning can make a significant difference to your future financial security.

At Bradshaw Johnson Chartered Accountants, we can help you understand your options, maximise available tax reliefs and develop a retirement strategy that works for your circumstances.

📞 Contact us today to arrange a free consultation with one of our Partners and start planning for a more secure financial future.

💷 Is the UK's retirement savings gap growing?Recent reports suggest that many people are not saving enough to achieve th...
14/06/2026

💷 Is the UK's retirement savings gap growing?

Recent reports suggest that many people are not saving enough to achieve the retirement lifestyle they hope for. Rising living costs, financial pressures and competing priorities mean retirement planning is often pushed further down the list.

Unfortunately, delaying retirement savings can have a significant impact on long-term financial security.

A few questions worth considering:
✔️ Are your current pension contributions enough to meet your retirement goals?
✔️ Have you reviewed your pension arrangements recently?
✔️ Are you making the most of available tax reliefs?
✔️ Do you have a clear retirement plan in place?

The earlier you start planning, the more options you may have available in the future. Even small changes today can make a meaningful difference over time.

Address

Hitchin

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 1pm

Telephone

0800 026 0854

Website

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