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Cass Hampton Chartered Certified Accountants and Chartered Tax Advisors providing efficient accounting and tax solutions to businesses in London and internationally.

03/10/2026

🇬🇧💷 UK TAX ALLOWANCES FOR 2026/27 — DON’T MISS THESE!

If you’re earning, saving, investing, renting out property or contributing to a pension, make sure you know which tax-free allowances may apply to you 👇

💷 Personal Allowance: £12,570 tax-free income
🏦 Personal Savings Allowance: Up to £1,000 tax-free interest for basic-rate taxpayers
📈 Dividend Allowance: £500 tax-free dividends
💰 ISA Allowance: £20,000 tax-free investment limit
📊 Capital Gains Tax Allowance: £3,000 tax-free gains from asset sales
💼 Trading Allowance: £1,000 tax-free self-employed/casual income
🏠 Property Allowance: £1,000 tax-free property/land income
🛏️ Rent-a-Room Relief: £7,500 tax-free from renting a furnished room in your home
💍 Marriage Allowance: Transfer up to £1,260 of unused Personal Allowance to your spouse/civil partner
👵 Pension Annual Allowance: £60,000 annual contribution limit with tax relief

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18/09/2026

💷 THE £3,000 HMRC GIFT RULE MOST FAMILIES IGNORE! 🚨

Want to pass wealth to your children tax-free? 👨‍👩‍👧‍👦💰

HMRC gives you several legal ways to make gifts that can potentially reduce the value of your estate for Inheritance Tax (IHT) purposes — and many people don’t make full use of them.

🎁 The £3,000 annual exemption
You can give away up to £3,000 each tax year without it being counted as part of your estate for IHT. If you didn’t use the previous year’s allowance, you may be able to carry it forward, potentially allowing a £6,000 gift. 💷

But there’s more… 👇

✅ £250 small gifts — up to £250 per person each year, subject to the rules
💼 Gifts from surplus income — potentially unlimited if the relevant conditions are met
💍 Wedding gifts — up to £5,000 to a child
💒 Wedding gifts to grandchildren — up to £2,500

⏳ And here’s the big one…

If you make a larger gift and survive 7 years after making it, the gift can potentially fall completely outside your estate for Inheritance Tax purposes. 📅

💡 The key takeaway: Estate and IHT planning isn’t something you necessarily have to leave until later in life. Understanding the gifting rules and planning ahead can make a significant difference.

💡 Want to know how these gifting rules could apply to your family and estate?

📩 DM me “GIFT” and let’s start the conversation.

📌 Save this post for later, and share it with someone who could benefit from knowing these rules! 💷👨‍👩‍👧‍👦

09/09/2026

🚨 HMRC RED FLAGS IN 2026 🚨
Don’t get caught out! 👀

Here are some common tax red flags you need to be aware of:

💼 Side hustle income not declared
Selling on Vinted, eBay or other platforms and reporting nothing.

🥂 Lifestyle doesn’t match your income
A £28k salary but living like you’re earning £80k? That could raise questions.

🪙 Crypto gains not reported
HMRC can track blockchain activity and receives information from exchanges.

🏠 Rental income off the books
Renting out a room or property and failing to declare the income.

💳 Directors taking company money incorrectly
Using the company account like a personal bank account can create serious tax issues.

🌍 Foreign income not disclosed
Overseas earnings missing from your UK tax return? Don’t assume HMRC won’t know.

🤫 Most people will scroll past this.
🧠 The smart ones will save it.

💬 DM us “TAX” if you want more UK tax tips and content or want to discuss your tax affairs.

📌 Save this post so you don’t make costly mistakes later.

31/08/2026

🇬🇧💷 5 UK SALARY TRAPS NOBODY TALKS ABOUT!

Think earning more always means keeping more? 🤔 Think again.

There are several important income thresholds in the UK that can significantly affect how much of your salary you actually take home:

💷 £25K – The Treadmill
Enough to survive, but it can feel difficult to get ahead.

📈 £50,271 – The Cliff
You enter the higher-rate tax band, so the amount you keep from additional earnings changes.

👨‍👩‍👧 £60K – The Clawback
Higher-income households can start losing Child Benefit through the High Income Child Benefit Charge.

⚠️ £100K – The 60% Trap
Your Personal Allowance starts to taper away, creating a 60% effective marginal tax rate on part of your income.

🚫 £125,140 – Personal Allowance Gone
At this level, the Personal Allowance is fully withdrawn.

💡 The key takeaway: It’s not just about earning more — it’s about understanding how tax thresholds affect your net income, benefits and financial planning.

📩 Want to understand how these thresholds could affect your income and what planning options may be available?

DM us today or get in touch for a chat.

29/08/2026

💷👶 EARNING OVER £60K DOESN’T NECESSARILY MEAN LOSING YOUR CHILD BENEFIT! 👀

Did you know that pension contributions can potentially reduce your adjusted net income and help you keep more of your Child Benefit? 💡💷

Here’s a simple example 👇

👩‍👧 Kate earns £70,000

At this level, she starts losing some of her Child Benefit through the High Income Child Benefit Charge.

💡 So what could she do?

🏦 Kate contributes £8,000 into her pension.

✨ With tax relief added, that becomes £10,000 invested into her pension.

📉 This can reduce her adjusted net income from £70,000 to £60,000.

👶 And potentially, that means she can restore her full Child Benefit entitlement! 🎉🙌

💷 PLUS, depending on her circumstances and how the pension contribution is made, she may also be entitled to additional higher-rate tax relief.

That could mean more money going towards her financial future instead of unnecessarily going to HMRC. 📈💰

⚠️ Important: Pension contributions, adjusted net income and the Child Benefit charge can be complicated, and the exact outcome depends on your individual circumstances. This is for education only, not financial advice.

👉 Know a mum earning around £60k+?
Tag her below 👇
📲 Send this to her
💾 Save this post for later

Because sometimes, a small change to your pension strategy can make a BIG difference. 💷✨

Follow for more tax tips!

28/08/2026

💷 2026/27 TAX-FREE ALLOWANCES: KNOW YOUR NUMBERS! 📊

With the new tax year comes a fresh set of allowances and exemptions that could help you make the most of your money. 💰

Here are some key figures to keep on your radar 👇

🔹 Personal Allowance: £12,570
🔹 ISA Allowance: £20,000
🔹 Pension Annual Allowance: £60,000
🔹 Dividend Allowance: £500
🔹 Capital Gains Annual Exempt Amount: £3,000
🔹 Personal Savings Allowance:
• Basic rate: £1,000
• Higher rate: £500
🔹 Trading / Property Allowance: £1,000
🔹 Rent-a-Room Relief: £7,500
🔹 IHT Nil-Rate Band: £325,000
🔹 Residence Nil-Rate Band: £175,000

📌 Understanding your allowances can help you plan your savings, investments, pension contributions and estate more effectively.

👉 Save this post for future reference and share it with someone who needs to know!

💬 Want help understanding how these allowances could apply to your individual circumstances? Get in touch with us today.

27/08/2026

🚨 UPCOMING ISA CHANGES EVERY SAVER SHOULD KNOW 🇬🇧

Big changes could be coming to ISAs — and if you’re saving for your future or your first home, it’s worth knowing what’s proposed. 👇

💷 From April 2027
The Cash ISA limit for under-65s is set to reduce to £12,000.

📈 But the overall ISA allowance stays at £20,000
That means the remaining £8,000 could potentially be used in a Stocks & Shares ISA.

🏠 From April 2028
The Lifetime ISA is expected to be replaced by a new First Time Buyer ISA.

✅ Proposed benefit: No withdrawal penalty when buying a home
💰 Government bonus: A bonus is expected to be paid when purchasing a home.

⚠️ Important: Some details are still subject to confirmation, including the £450,000 property price cap and 25% government bonus.

📌 Save this post so you can keep track of the changes.

🔄 Share it with someone who saves into an ISA or is planning to buy their first home.

This post is for general information and not financial advice.

27/08/2026

🚨 Could the VAT threshold be slashed from £90,000 to £30,000?

Currently, businesses with taxable turnover below £90,000 generally don’t have to register for VAT — meaning they don’t have to charge VAT on their sales or account for it to HMRC. 💷

But there have been suggestions that the threshold could be reduced to £30,000. 👀

📉 If introduced, this could bring many more small businesses, sole traders and freelancers into the VAT system.

💰 The change could potentially raise around £2 billion a year by 2029/30 for the Government.

For small businesses, this could mean:
➡️ More admin and VAT reporting
➡️ Potential changes to pricing
➡️ VAT being added to taxable sales
➡️ A bigger compliance burden

⚠️ Nothing has been confirmed yet, but it’s something small business owners should keep an eye on.

💬 What do you think? Would reducing the VAT threshold to £30,000 help or hurt small businesses?

👇 Share your thoughts in the comments and follow for more UK tax & business updates!

25/08/2026

🚨 URGENT LANDLORD ALERT: THE TAX TRAP IS CLOSING! 🚨

⚠️ Act NOW before it’s too late! The personal-name landlord era is officially ending, and UK property owners are facing a massive financial squeeze. Are you ready to watch your profits evaporate? 📉

🚨 The 3 Major Bombshells Hitting Landlords Right Now:

🚨 45% Tax Hit: Rental profits in personal names are being brutally taxed up to the maximum income tax brackets.

🚨 Section 24 Trap: You are legally blocked from offsetting your mortgage interest properly, creating sky-high artificial tax bills.

🚨 Devastating IHT Exposure: Your entire hard-earned property portfolio sits squarely inside your estate, leaving your children with a massive Inheritance Tax nightmare.

🚨 The Proven Solution: Restructure Before the Next Budget!

By restructuring your property portfolio into a Family Investment Company (FIC), you may be able to unlock significant tax-planning opportunities.

🏠 Keep Your Assets
Same properties. Same rental income. A different ownership structure designed with tax efficiency in mind.

💷 Potential Tax Deductions
Explore how mortgage interest and other legitimate business expenses may be treated within a corporate structure.

🛡️ Protect Your Legacy
Consider how the right structure could support long-term wealth planning, succession and intergenerational wealth.

⏰ The Window Is Shrinking
HMRC-recognised reliefs and tax rules can change. Incorporation Relief, Partnership SDLT Relief and family trusts may be relevant depending on your circumstances.

Don’t wait until the rules change to review your options.

💥 Stop unnecessarily bleeding money to the taxman. Start planning strategically.

📩 Want to know whether an FIC could work for your property portfolio? Get in touch for a confidential discussion.

24/08/2026

⚠️ WORRIED ABOUT THE 2029 PENSION CHANGES? LET’S PLAN AHEAD! 💼📉

Big changes are coming to pension salary sacrifice from April 2029.

Under the proposed changes, National Insurance-free pension salary sacrifice contributions will be capped at £2,000 a year.

💷 If you’re a higher earner — particularly around the £60k or £100k income levels — this could have an impact on your pension planning and savings strategy.

The good news? You still have three full tax years to make use of the current rules and plan ahead.

At Cass Hampton Tax Advisors, we provide a wide range of tax services across the UK 🇬🇧🇮🇹

We can help with:
📌 Pension tax planning
📌 Self-assessment
📌 Corporate tax
📌 Tax planning for higher earners
📌 Navigating upcoming tax changes

👇 COMMENT “PENSION” BELOW OR SEND US A DM TO DISCUSS YOUR OPTIONS.

📲 Get in touch today - DM us now!

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