“Fawcetts have provided me with excellent financial support and advice during 2 business start ups and continuing growth. I have a dedicated adviser, Nick Jones who plays a key role in the management and strategic direction of my company and is always accessible for routine and impromptu meetings. Through personal experience i have experienced that the size and scale of a business is immaterial to Fawcetts – the commitment is always the same and they really make you feel as though you and your business matters. I have recommended Fawcetts and Nick to my colleagues and will continue to do so. ”
Lou Whiting – Salisbury
“Fawcetts take a very professional approach via every point of contact. We have found each member of their team to be approachable, friendly and most importantly experienced and knowledgeable. The management team would not hesitate to recommend the services of the Fawcetts team to any business regardless of size and industry”
G Blamire – Salisbury
“James has been a huge help to me as I look to incorporate Creativemint, talking me through all the options, offering advice and helping me to feel relaxed and happy about the transition and the subsequent accountancy services I will need.”
Miles Murray – Salisbury
“I have been with Fawcetts since the inception of my business in 2008, and have always been very happy with the service that I have received. Although living in Bournemouth I chose Fawcetts due to their excellent reputation. Whilst there are a number miles between my work base and my accountant; distance has never been as issue as they are always very responsive including responding to emails and phone calls outside of normal office hours and on a couple of instances over the weekend.”
Julian Bennett – Bournemouth
“Fawcetts provide my company with an extremely professional service, their attention to detail gives us great confidence in analysing all aspects of our business performance. Nick Jones, our accountant, takes a real interest in how the farm is operated, this enables future strategic business planning to be carried out in conjunction with his professional advice”
Joe Foot – Dorchester
“James has always gone beyond the traditional approach of just accounting for what we have already done and continues to help us develop our company in testing times.”
Steve Rawlins – Gosport
“James always relishes the prospect of finding a new angle on complex financial problems creating some interesting and workable solutions to ensure that we always maximised our profitability. Fawcetts capabilities are way beyond “doing the accounts” and would a great asset to a any growing company needing a steady pair of hands with creative thinking.”
Robin Sutherland – Hayling Island
“We have found Nick to have an exceptional ability to grasp the issues we have as a law firm operating internationally. His advice is always clear and candid, and he has demonstrated a flair for lateral solutions to many of the problems we have. He helped us to manage our set-up and has guided us as we grow, and is considered to be one of our most trusted advisors.”
Andy Leppard – Somerset
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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