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Tips & Advice You & Your Business

Year

Issue 22 - 23.09.2015
- 1. More detail on new dividend tax
- 2. The Green Deal, solar power and lower feed-in tariffs
- 3. Are you entitled to a tax-exempt phablet?
- 4. Can your business insure you against lost earnings?
- 5. Directors disqualified for ten years. Why?
- 6. Historic derogatory comments on social media
- 7. Wills: can your wishes be challenged?
- 8. Driving licence check codes
- 9. Fraudulent invoices on the increase
Issue 21 - 10.09.2015
- 1. The Modern Slavery Act 2015
- 2. How powerful is the new Consumer Ombudsman?
- 3. New tax on company owners
- 4. Convictions, fines, curfews and tags
- 5. How does the new Insurance Act 2015 affect you?
- 6. Drafting job descriptions: what to avoid
- 7. Employers’ NI allowance up by 50%
- 8. Timetable for new company rules
- 9. New limits for small company accounts
Issue 20 - 08.07.2015
- 1. Auto enrolment let off
- 2. Summer workers PAYE tax and NI trap
- 3. HMRC’s new expenses and benefits rules
- 4. Legal tender and cash payments
- 5. Shadow directors: there’s no hiding now!
- 6. How to claw back your training costs
- 7. How to protect your business investment
- 8. Officer changes: telling Companies House
- 9. legally compliant online reviews
Issue 19 - 24.06.2015
- 1. Second Incomes Campaign
- 2. Goods, services and discrimination
- 3. Using the new step-by-step guide to auto-enrolment
- 4. Up-to-date company records are good for credit ratings
- 5. How to claim tax relief for business expenses
- 6. Misuse of e-mail = a serious breach of contract?
- 7. Making child maintenance payments
- 8. End of the line for corporate directors
- 9. Keep your business e-mail tidy with ease
Issue 18 - 10.06.2015
- 1. Zero-hour rules changed
- 2. What you should tell your workers about pensions
- 3. HMRC’s mission to ensure correct P11Ds
- 4. Hiring and buying without a paper licence
- 5. Maximising VAT claims on equipment
- 6. Request to withdraw a resignation
- 7. Directors: a greater risk of disqualification?
- 8. Marketing messages: the ICO’s new powers
- 9. Commercial vehicle premiums fall by 10%
Issue 17 - 28.05.2015
- 1. Tighter money laundering rules
- 2. Get your VAT back for foreign business trips
- 3. Advertising claims: playing safe or too risky?
- 4. Buy to lets: don’t overlook the deposit
- 5. HMRC attacks new companies over tax avoidance
- 6. Alcohol and machinery: a dangerous mix
- 7. Buying a competitor without cash
- 8. sneaky trick to improve productivity
- 9. New small business online voucher scheme
Issue 16 - 14.05.2015
- 1. New beneficial ownership register
- 2. Fire safety laws: 1,000s may be non-compliant
- 3. Pensions tax relief at risk?
- 4. The new face of bank lending
- 5. Contracts: only binding if it’s signed?
- 6. Employment contract with(out) an opt-out agreement?
- 7. Fuel for work - the tax-efficient perk
- 8. Court rules on brand names
- 9. New guidance on late accounts penalties
Issue 15 - 29.04.2015
- 1. Wider target for auto-enrolment
- 2. What can HMRC ask you about your workers?
- 3. A director’s liability for employers’ liability insurance
- 4. Getting VAT back on employee expenses
- 5. Getting money from your growing business now
- 6. Insisting on sickness absence
- 7. The Consumer Rights Act 2015
- 8. Protect yourself from identity fraud
- 9. The new .sucks domain
Issue 14 - 16.04.2015
- 1. Mandatory gender pay gap reports?
- 2. Can you “sack” a self-employed worker?
- 3. HMRC’s new benefits in kind exemption
- 4. Inconsistent order methods and your T&Cs
- 5. Where does your business stand with RTI penalties?
- 6. Child maintenance options
- 7. Time for a new company bank account?
- 8. Pensions regulator issues a warning
- 9. New guidance on dissolving a company
Issue 13 - 01.04.2015
- 1. Budget benefits?
- 2. Pensions freedom is here, or is it?
- 3. Goodbye driving licence paper counterpart
- 4. What happens when a shareholder dies?
- 5. Tax breaks for staff training
- 6. Recruitment: can you ask for a heavy lifter?
- 7. Can a former spouse go after your money?
- 8. Massive hike in court fees
- 9. Need intellectual property research?
Issue 12 - 18.03.2015
- 1. Drug driving: on prescription?
- 2. They’ve gone bust: what happens now?
- 3. Company names: some new choices
- 4. Fuel cards - are they worth trying?
- 5. Tax and NI free homeworking allowances
- 6. Can employment contracts be “subject to change”?
- 7. Can you scrap your PAYE scheme?
- 8. Trouble with pre-owned cars and vans
- 9. Protecting your bank balance
Issue 11 - 04.03.2015
- 1. New NI savings for employers
- 2. Businesses almost out of time to cut their rates
- 3. How can CAs save you money in the long run?
- 4. Who should be the executor of your will?
- 5. Risk assessments: don’t play with fire
- 6. When must you make reasonable adjustments?
- 7. Getting customers to pay sooner
- 8. My Business Support tool
- 9. Travel and JustPark
Issue 10 - 18.02.2015
- 1. CH makes £8.8 million spelling error
- 2. Must directors’ names be put on invoices?
- 3. How to use an SPV to save tax
- 4. Fixing a damaged online reputation
- 5. Balancing income with your business partners
- 6. When does a redundancy situation arise?
- 7. Your business and the new state pension
- 8. New company naming rules
- 9. Avoiding toll penalties
Issue 09 - 04.02.2015
- 1. Attack on service company expenses
- 2. Are there advantages to leasing?
- 3. When does higher rate tax really apply?
- 4. Foolish employees and health and safety
- 5. What’s so important about accounting dates?
- 6. Dealing with the newspapers
- 7. Innovation Vouchers: a new source of funding?
- 8. Misleading reports about new VAT rules
- 9. Connecting to a scammer on LinkedIn?
Issue 08 - 21.01.2015
- 1. Employee rights curbed!
- 2. Acting in a “commercially reasonable manner”
- 3. Time is running out to submit your tax return
- 4. Avoiding problems with mortgage applications
- 5. Ensuring confidential information is returned
- 6. Your workers’ status under HMRC’s microscope
- 7. Recovering debts from a defunct company
- 8. Auto-enrolment tips
- 9. New companies targeted by scam letters
Issue 07 - 07.01.2015
- 1. Autumn Statement highlights
- 2. Maximising tax relief on equipment
- 3. Directors’ duties and historic breaches
- 4. Keeping track of employee expenses
- 5. Subsidiaries - why every company should have one
- 6. Must you pay subcontractors holiday pay?
- 7. Changing the company’s name
- 8. Where can you find Companies House?
- 9. Vishing: don’t call us, we’ll call you!
Issue 06 - 10.12.2014
- 1. Fully prepared for winter disruption?
- 2. Delegated financial tasks and disqualification
- 3. A tax-saving plan using dividends and company cars
- 4. Using a personal account for company business
- 5. Steeper fines for health and safety breaches
- 6. Can you really ignore a flexible working request?
- 7. Tax deductions for holiday homes
- 8. Important changes to company admin
- 9. Auto-enrolment tools improved
Issue 05 - 26.11.2014
- 1. Is your company ready for MOSS?
- 2. Obsolete and counterfeit banknotes
- 3. A criminal record for borrowing from your company?
- 4. Surveyors: what’s the scope of their valuation?
- 5. Can your company buy back shares from employees?
- 6. TUPE transfers and staff handbooks
- 7. Inheriting the family company tax efficiently
- 8. £70 penalty for using the Dartford Crossing
- 9. Are personal mobiles password protected?
Issue 04 - 12.11.2014
- 1. Companies House now on GOV.UK
- 2. D&O insurance: can you go to the Ombudsman?
- 3. HMRC scraps IR35 guidance
- 4. Which pension scheme is right for your company?
- 5. Intellectual Property Act 2014: new criminal offences
- 6. Company property: that’s your dough!
- 7. When are business travel costs tax deductible?
- 8. Foreign worker checks - penalties
- 9. will the PSC register affect your company?
Issue 03 - 29.10.2014
- 1. HMRC announces details of NI break
- 2. How to ensure tax relief for sponsorship
- 3. Pensions freedom - how will it affect you?
- 4. How to maintain a good credit record
- 5. Intestacy law changes if your assets exceed £250k
- 6. ExploreExport 2014: is it worth it?
- 7. How is a non-executive director paid?
- 8. Sickness absence has fallen dramatically
- 9. Pay up now to avoid court action!
Issue 02 - 15.10.2014
- 1. Direct Marketing Code of Practice
- 2. Government subsidies for business advice
- 3. Tax-free gifts for directors
- 4. One job split into two - is it a redundancy situation?
- 5. Business loans that could cost you extra IHT
- 6. Potential director has no employment references
- 7. Personal guarantees: first or last on the list?
- 8. A warning from The Pensions Regulator
- 9. FCA guide to safe borrowing
Issue 01 - 01.10.2014
- 1. HMRC extends RTI concession
- 2. Direct debit errors - how to put them right
- 3. When is directors’ remuneration “paid” for tax purposes?
- 4. Share valuations and expert opinions
- 5. Reduce your company’s auto-enrolment contributions
- 6. Employees: who’s paying for their replacement?
- 7. Cloud computing: the bare risk
- 8. Buy to let and the new “right to rent” checks
- 9. Working time rule boosts productivity

Finance

21 January 2015

Avoiding problems with mortgage applications

Apparently, due to stricter lending rules, many directors are having mortgage applications rejected. So if you’re looking to move home or remortgage in the near future, what can you do to improve your chances of a “yes”?

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Indicator - FL Memo Ltd
Tel: (01233) 653500. Fax: (01233) 647100
customer.services@indicator-flm.co.uk
www.indicator-flm.co.uk

Calgarth House
39-41 Bank Street
Ashford, Kent TN23 1DQ

VAT GB 726 598 394
Registered in England
Company Registration No. 3599719