Graphic Design company A Drewitt Design is based in Wilton, Salisbury and owned by Alexandra Drewitt.
Alex feels strongly that design and typography are critical to the way a business is perceived. When a business gives their marketing material to current or prospective clients it is very important that they are confident it represents their business in the best possible way. Their marketing media and logo should make them proud of the way their company is presented.
In a crowded marketplace it is very important for businesses to differentiate themselves through exceptional design, correct typography, the most appropriate use of images and finally paper and printer selection.
Alex says “Fawcetts was highly recommended to me and I am very happy to have moved accountants. They have been very helpful, thorough and have saved me money.”
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Self-employed workers in the UK have reported their struggles to acquire a mortgage, after HM Revenue & Customs (HMRC) changed the way it issues details of tax calculations and tax year overviews for submission with mortgage applications.
Until recently accountants and workers themselves have been able to obtain a paper copy of form SA302 that lenders require in order to complete the mortgage application process.
However, from 4 September 2017 HMRC has confirmed that it will no longer issue paper copies and will instead provide digital versions.
This will make the process of securing a mortgage more difficult for self-employed workers and may even further restrict the number of lenders that will offer a mortgage, with reports already coming in of lenders insisting on original paper copies rather than electronic printouts.
Self-employed individuals and their advisers will be required to supply the relevant year’s tax computation, printed from the adviser’s software, along with the tax year overview that advisers can print from HMRC’s online services website, in order to act as a self-serve SA302 that will satisfy lenders.
HMRC has already undertaken discussions with UK Finance, formerly the Council of Mortgage Lenders, about lenders’ requirements. However, the list of lenders who will accept self-serve SA302 forms omits some big high street names.
Many accountants are therefore reminding self-employed individuals to check their lender’s requirements early on in the mortgage application process.
LINK: SA302 Tax Calculation