Budget 2026: what it means for you and your business —
Featured insight
The UK will keep growing, but slowly, with inflation rising again and interest rates likely to go up before they come down. We’ve translated the latest forecasts into what matters for owner-managed businesses, landlords, care providers, charities and professional firms — and what to do before April 2027.
UK growth forecasts 2026
Average UK growth forecast 2027
Inflation, September 2026
Bank Rate today — 4% expected in November
Sources: HM Treasury, ONS, Bank of England and British Chambers of Commerce. See the article for full sources.
Latest Insights
Business Owners
Charities
The expanded return goes well beyond income and expenditure. Trustee payments, grant-making detail, corporate donors and your policy inventory are all now on the form, and much of it needs recording during the year, not at the end.
Charities
The expanded return goes well beyond income and expenditure. Trustee payments, grant-making detail, corporate donors and your policy inventory are all now on the form, and much of it needs recording during the year, not at the end.
Charities
The expanded return goes well beyond income and expenditure. Trustee payments, grant-making detail, corporate donors and your policy inventory are all now on the form, and much of it needs recording during the year, not at the end.
Charities
The expanded return goes well beyond income and expenditure. Trustee payments, grant-making detail, corporate donors and your policy inventory are all now on the form, and much of it needs recording during the year, not at the end.
Charities
The expanded return goes well beyond income and expenditure. Trustee payments, grant-making detail, corporate donors and your policy inventory are all now on the form, and much of it needs recording during the year, not at the end.
Charities
The expanded return goes well beyond income and expenditure. Trustee payments, grant-making detail, corporate donors and your policy inventory are all now on the form, and much of it needs recording during the year, not at the end.
Our Services
Strategic, forward-looking tax planning that keeps more of what you earn — fully compliant, always proactive.
Year-end accounts, corporation tax returns, payroll, company secretarial and formations — handled accurately and on time.
A scalable outsourced finance function, underpinned by cloud technology and automation.
Rigorous, insightful assurance that goes beyond the tick-box — building confidence with stakeholders and lenders.
From valuation to deal completion — expert guidance on transactions, restructuring and due diligence.
A trusted sounding board for ambitious owners — planning, forecasting and growth strategy that delivers.
Established
Regulated
An independent review of your software stack — we cut overlapping subscriptions and match each tool to how your business actually works.
Bank feeds, invoice capture, approvals and payment runs that run themselves — less admin time, fewer errors and faster month-ends.
Systems built for Making Tax Digital, e-invoicing from 2029 and the reporting changes ahead — so compliance changes don't become costly scrambles.
Real-time dashboards in Xero, QuickBooks & Sage, on encrypted cloud platforms with ICAEW-regulated oversight.
finance systems
Free Interactive Tool
Answer 5 quick questions and receive a personalised tax efficiency score — plus tailored recommendations from our advisors.
Testimonials
Posted on Google![]()
Roderic RennisonTrustindex verifies that the original source of the review is Google.
Holmes Peat Thorpe now part of LMJ Group have been my accountants for over 15 years and I have always been happy with their service and their responsiveness.Posted on Google![]()
Mike JohnsonTrustindex verifies that the original source of the review is Google.
Carol is great. Great knowledge and extremely helpful. Still in the process of trying to resolve an issue with HMRC. But all good so far.Posted on Google![]()
Paul DohertyTrustindex verifies that the original source of the review is Google.
I have relied on LMJ Group for my company & personal accounts and tax affairs for many years. They are very reliable and thoroughly professional people who have saved me a lot money with their excellent advice. I recommend them whole-heartedly.Posted on Google![]()
Mark HoltTrustindex verifies that the original source of the review is Google.
We have been clients of HPT for many years, and have always been extremely happy with their service.Posted on Google![]()
Usman AwanTrustindex verifies that the original source of the review is Google.
Exceptional service! Everyone is professional, detail-oriented, and truly cares about their clients. Highly recommend for anyone seeking professional,reliable and friendly accounting expertise!Posted on Google![]()
Coaching DevelopmentTrustindex verifies that the original source of the review is Google.
Javaria and her team at Holmes Peat Thorpe have supported us well over the years. In particular, Carol, who has been unfailingly helpful and has taken the time to ensure that she has a thorough understanding of our business and clients. She works alongside you, like an extended member of the team, making the whole process far less onerous and time consuming. HPT are a pleasure to be working with!Posted on Google![]()
Moon FlowerTrustindex verifies that the original source of the review is Google.
I have a brilliant experience. Javaria and her colleagues are very experienced and supportive. Thank you so much.Posted on Google![]()
mark tyrrellTrustindex verifies that the original source of the review is Google.
Terrible accountants! Do not use. They was my accountants for 10+ years no problems, the last 3 years has been awful, The lies are unbelievable and continuous. the mistakes, I’m not an accountant and I can find mistakes, which is scary. They try to charge you for the same thing twice. they can’t keep track of their own accounts. I had to leave them.


Excellent and responsive service handling all aspects of payroll, accounts and tax.


We do not hesitate to recommend LMJ to our own clients.



Reasonable price, Holmes Peat Thorpe now part of LMJ Group have been my accountants for over 15 years and I have always been happy with their service and their responsiveness.

Carol is great. Great knowledge and extremely helpful.
Still in the process of trying to resolve an issue with HMRC. But all good so far.

I have relied on LMJ Group for my company & personal accounts and tax affairs for many years. They are very reliable and thoroughly professional people who have saved me a lot money with their excellent advice. I recommend them whole-heartedly.


Exceptional service! Everyone is professional, detail-oriented, and truly cares about their clients. Highly recommend for anyone seeking professional,reliable and friendly accounting expertise!


LMJ Accountants have proven to be a very professional accounting service. What I particularly like is that they take the time to listen to my needs and offer detailed advice with explanations pitched at the right level for me to have a thorough understanding of my company’s accounting position.
The communication is always very good and replies are prompt. I truly feel valued and looked after. I do highly recommend you get in touch with LMJ if you are looking for reliable accountants who add personal touch.

I have so many things to say about LMJ Chartered Accountants & Javaria’s work. She is professional, always available, prompt to reply to my emails , very clear in the way things were explained, and never hesitates to give some advice. She helped me enormously with my corporation and self-assessments taxes; also Javaria supported me during the COVID period, especially with research and applications for all grants that I was eligible for. She is fantastic, super helpful, reliable accountant, someone who you can trust to do the best of your interests,
I would definitely recommend her and LMJ Chartered Accountants; we will continue to work together for years to come.
Thank you again for all your support.

We’ve had a great experience with Rajani & Co part of LMJ Group, and Caroline in particular has always gone above and beyond to support us.
She’s incredibly responsive, reliable and approachable, and nothing is ever too much trouble. Whether it’s dealing with something time-sensitive, providing advice or simply being available when we need her, Caroline always gets things sorted quickly and professionally.
She has a great understanding of our business and it’s reassuring to know we have someone we can genuinely rely on.
Highly recommended!

Dealt with Amy Becks for the first time today for my VAT returns. Great service! Professional, helpful and patient!

From the very first phone call with Lilley & Co. I knew I was in safe hands. Through the whole process of moving from soletrader to Limited Company, they have been there every step of the way, answering ALL of my questions



Excellent service & communication every time.

I have been with Rajani & Co for 25 years and I have received the very best service. Nothing is too much trouble and the staff are so helpful and go above and beyond. I can’t thank them enough for all they do for me, I would highly recommend Rajani & Co.



We’ve worked with Rajani and Co for a number of years now, and they’ve always been a pleasure to deal with. The team is friendly, efficient, and really know what they’re doing. They consistently provide a great service and make everything run smoothly, which makes a big difference.
What we really appreciate is how easy they are to work with—reliable, quick to respond, and always happy to help. You can tell they genuinely care about their clients, and that personal touch goes a long way. We wouldn’t hesitate to recommend them to anyone looking for a team that’s professional, trustworthy, and just really good at what they do.


Rajani & Co has been our chartered accountant for over sixteen years, and help us monthly with all our business accounting needs. All the staff at Rajani are extremely helpful, professional, and very responsive with any queries we ever have.
Highly recommend Rajani & Co services to any business.

We have been clients of Rajani & Co Chartered Accountants, part of the LMJ Group, for nearly 10 years. Throughout this time, we have consistently received a high standard of service and exceptional client care. Their professionalism, reliability, and attention to detail have been instrumental to our business, and we highly recommend their services to anyone seeking dependable and experienced accountancy support.



I have been with Lilley & Co for several years and have always been extremely happy with the service I receive.
Donna is my regular contact, and she is absolutely brilliant. She is extremely professional, helpful and efficient, and somehow manages to make everything run like clockwork.
One of the biggest differences for me is that the stress I used to associate with tax returns has completely disappeared. Donna and the team ask me for my invoices and bank statements every month, so everything is kept up to date throughout the year rather than becoming a big job when the tax return is due.
It gives me real peace of mind knowing everything is being looked after properly, and it lets me concentrate on running my business.
A huge thank you to Donna and everyone at Lilley & Co. I wouldn’t hesitate to recommend them to anyone looking for a professional, friendly and extremely reliable firm of accountants.

Great price
I’ve been with Lilley & Co for many years and have always really appreciated the support they’ve given me and my business.
A special mention to Donna, my bookkeeper, who is absolutely fantastic — always helpful, organised and incredibly reliable.
I’m very grateful for everything Donna and the team do and wouldn’t hesitate to recommend them. Excellent service and very deserving of 5 stars.



Having Lilley and Co, ‘literally makes me so happy’ 😅😂 – these are the words I recently shared with a good friend who had recommended them to me.


Cannot recommend the Lilley & Co team highly enough. Not only are they knowledgeable, friendly and professional but they take the time to really understand your business to improve performance and profitability. They have been especially helpful through the pandemic!

Excellent service. Professional, patient and knowledgeable. I highly recommend.






















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