Pharmacy Accountants

News & Articles


The Budget – 2012
George Osborne delivered his third budget on 21st March 2012, many of his proposals will not take effect until 2013/14.
A Free Pension?
In reality, no one is going to get a free pension, but some individuals can get very close to it...
A Festive Tax Break
As Christmas approaches thoughts turns to office parties. So what view does the tax man take when an employer arranges a Christmas party for their staff?
Self Assessment Penalties
The self-assessment system was introduced in 1996 and at present HM Revenue & Customs require about 10 million individuals to file returns each year.
Should I Incorporate?
This is a question we are frequently asked by locums. The answer is “it all depends”.
The 1000% Tax Trap - And How To Avoid It
Imagine getting a pay rise of £1,000 per annum and then finding your tax liability increasing by £1,055, that’s over 100% tax. Now imagine your pay rise is just £100 but your extra tax liability is still £1,055. That’s a tax rate of over 1000%!
Pharmacy Locum Tax Planning
At what point should a sole trader pharmacy locum consider operating via a limited company? The answer to this depends on a number of factors, which are specific to the individual.
2010/2011 Tax Year End Planning
February is a good time for individuals to have a think if there are any simple steps they can take to minimise their tax liabilities.
New Pension Regime - Government Announcement 9th December 2010
We detailed the key points arising from the Government's announcement on 9th December 2010 regarding the future direction of pension provision in the UK.

 

Personal & Business Mortgage Planning 

Whatever your personal finance needs, be they main residential purchases and remortgages, investment property facilities or secured loans, through a combination of modern technology, personal knowledge and expertise we can source a mortgage that truly reflects your personal circumstances from the whole market place. We can guide you through the mortgage process from start to finish. We can offer: -

In the changing regulatory environment, Warr & Co have committed to remaining independent in both financial advice and mortgage advice, and are happy to adopt a fee charging or commission based structure as appropriate.

Please take a look at our mortgage related Key Facts about our mortgage services & costs document for more details on our mortgage fees and services.

All mortgages are secured against property. Think carefully before securing debt against your home or other property. Your property may be repossessed if you do not keep up repayments on your mortgage.

Furthermore, we can assist in arranging bespoke, business related commercial mortgage facilities for your every business need, including pharmacy practice share purchase and the purchase of premises for your pharmacy business. Our experience is that every loan is different and we can guide you through the many issues to be considered, including for example the purpose, the security, the interest rate structure and the repayment strategy. Often the packaging of the application can influence the terms one secures.

N.B. Not all mortgages are regulated by the Financial Services Authority (FSA). Those that are presently not regulated are commercial arrangements and buy to let mortgages where the tenant is not related to the borrower.

Warr & Co – FSA Registration No. 169591
Consumer Credit License No. 90000

Company VAT Registration No. 603776145

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