Bradshaw Johnson Chartered Accountants St Neots

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Bradshaw Johnson Chartered Accountants St Neots

Bradshaw Johnsons is a long-established Accountancy Practice of progressive Chartered Accountants, w

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! 📩📞

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. 📞

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.

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.

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.

12/06/2026

💷 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.

11/06/2026

🚗 Mileage Allowance Rates Have Increased

Good news for employees and self-employed individuals who use their own vehicles for work.

The Government has increased the approved mileage rate for cars and vans from 45p to 55p per mile for the first 10,000 business miles each tax year. Even better, the change has been backdated to 6 April 2026.

This means many taxpayers could benefit from increased tax relief or higher tax-free mileage reimbursements from their employer.

A few key points to remember:
✔️ The 55p rate applies to the first 10,000 business miles each tax year
✔️ Mileage over 10,000 miles remains at 25p per mile
✔️ Motorcycle and bicycle rates remain unchanged
✔️ You may be able to claim Mileage Allowance Relief if your employer reimburses you at a lower rate

Many people are unaware that they could be entitled to tax relief on business mileage, potentially reducing their tax bill.

At Bradshaw Johnson Chartered Accountants, we can help you understand what you can claim, ensure you're receiving the correct relief, and maximise your tax efficiency.

10/06/2026

⛽ Fuel cost support announced for motorists and businesses.

The Government has unveiled a package of measures aimed at helping households and businesses manage rising fuel costs following recent global disruption.

The support includes:
✔️ The temporary 5p fuel duty cut extended until the end of 2026
✔️ A 12-month road tax holiday for qualifying haulage vehicles
✔️ Reduced fuel duty on red diesel for eligible users, including farmers and rail freight operators

The Government estimates that the fuel duty extension alone could save the average driver around £120, while businesses operating larger vehicles may benefit from even greater savings.

While these measures will be welcomed by many, rising fuel, energy and operating costs continue to place pressure on household budgets and business cash flow.

At Bradshaw Johnson Chartered Accountants, we work closely with businesses and individuals to help them navigate changing economic conditions. Whether you need support with budgeting, cash flow forecasting, tax planning or improving profitability, our experienced team is here to help.

📞 Contact us today to arrange a free consultation with one of our Partners and discover how we can support you.

09/06/2026

🚗 Good news for employees and the self-employed who use their own vehicles for work.

The Government has announced an increase to the approved mileage rate for cars and vans, rising from 45p per mile to 55p per mile for the first 10,000 business miles each tax year. The change has been backdated to 6 April 2026.

This increase is designed to help offset the rising costs associated with business travel and could provide valuable tax relief for many taxpayers.

Did you know?
✔️ If your employer pays less than the approved mileage rate, you may be able to claim tax relief on the difference through Mileage Allowance Relief (MAR).
✔️ If no mileage allowance is paid, you may be able to claim tax relief on the full approved rate for qualifying business journeys.
✔️ Motorcycle and bicycle mileage rates remain unchanged.

Many employees and self-employed individuals miss out on valuable tax relief simply because they are unaware of what they can claim.

At Bradshaw Johnson Chartered Accountants, we can help you understand your entitlements, maximise available tax reliefs and ensure you are claiming correctly.

📞 Contact us today to arrange a free consultation with one of our Partners and find out how we can help.

08/06/2026

⚠️ Energy bills are set to rise again from July.

Ofgem has announced that domestic energy bills in Great Britain will increase by 13.5%, adding approximately £221 a year to the average dual-fuel household bill and bringing the typical annual cost to around £1,862.

The increase is largely being driven by disruption in global gas markets, highlighting how international events can continue to impact household and business finances here in the UK.

For many families and business owners already managing rising costs, this latest increase will place further pressure on monthly budgets and cash flow.

Now is a good time to review your finances, assess your spending and ensure you have a clear plan in place for managing rising costs.

At Bradshaw Johnson Chartered Accountants, we understand the challenges that increasing household and business expenses can create. Whether you need support with budgeting, tax planning, cash flow management or business forecasting, our team is here to help.

📞 Contact us today to arrange a free consultation with one of our Partners and discuss how we can support you during these challenging times.

Address

Yew Tree House, The Shrubbery, Church Street
St Neots
PE192BU

Telephone

+448000260854

Website

http://www.bjca.co.uk/

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