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ORM Accounting Services Ltdwould like to take this opportunity to inform you of our relationship with Contractor Mortgages Made Easy (CMME).

	Want a mortgage based on your contract rate alone?  Discovering that lenders do not understand your status as a contractor?  Click here to calculate how much you could borrow as a contractor  We have teamed up with specialist contractor mortgage broker Contractor Mortgages Made Easy (CMME) to offer mortgages based on your contract earnings.  In the past clients have told us of their disappointment when they have approached their bank or a lender direct for mortgage funding. This is often down to the lender not understanding how contractors are paid and not realising that contractors are often a lower risk compared to many permanent employees.  CMME have agreed bespoke underwriting with many High Street lenders allowing contractors to borrow based on their full contract earnings.  Click here to calculate how much you could borrow Mortgages Based on Your Contract Rate Bespoke Underwriting for Contractors Mortgages at High Street Rates Access to the whole of the market
	Contractor Mortgages Made Easy is a trading name of Mortgages Made Easy Limited which is authorised & regulated by the Financial Conduct Authority. Registration No. 414798.  Your home may be repossessed if you do not keep up repayments on your mortgage.  © 2013 ORM Accounting Services Ltd

From 6 April 2009 there is a change in the penalty to pay for late notification to the HMRC that you have commenced self-employment.

Up to 6 April 2009 the penalty was £100 and you had 3 months after commencement of trade to let HMRC know.

From 6 April 2009 the rules have been changed as follows:

1. Anyone who ceases or becomes liable for Class 2 or Class 3 contributions must notify HMRC immediately.
2. A penalty may be levied (between 30% and 100% of the "lost contributions") if notice is not given by 31 January following the end of the tax year in which you become liable.
3. There will be no penalty if you have a reasonable excuse for the late notification.

You may find out about other changes in a consultation at our office.

New online access

Consult our online tips and newsletters, including information about recent changes in taxation regulations.

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Email: vnair@ormaccountingservices.com

Email: vnaircima@gmail.com

Tel: 077860 35785

New online access

Consult our online tips and newsletters, including information about recent changes in taxation regulations.

More information

You can contact us on the following telephone number if you have any queries or wish to make an appointment:

Tel: 077860 35785

Alternatively, please use our contact form.