All News

Summary

There’s a slow tightening of the screw on the self-employed that might as well have eight consultancy giants at the handle end, and government policy as the torque.

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Whitehall government offices in London, representing public sector consultancy spending and IR35 reform
Written by Josh Toovey
Summary

Contractor-turned-umbrella-company-body-CEO Chris Bryce outlines what’s deliverable, affordable and tangible in the new chancellor’s first budget, ranging from MSC reform and a statutory employment

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Autumn Budget 2026: FCSA’s 5 contractor asks of John Healey
Written by Chris Bryce
Summary

First Point Group, Bowers Partnership, VIQU IT and Robert Walters tell ContractorUK why the PM’s dislike of video interviews doesn't map onto professional tech contracting, where virtual is

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Business professional using digital recruitment technology to review job candidates online
Written by Simon Moore
Summary

ContractorUK's investigation into historic contractor loan recalls has uncovered a regulatory question surrounding loans that were bought or administered in the Isle of Man.

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Isle of Man Civil Government Office in Douglas
Summary

Urged to intervene against ‘HMRC cruelty’ in MSC cases, and U-turn employer NICs changes, chancellor John Healey is being called by SG, Re Legal and Caroola to fix the default of 'Inside IR

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HM Revenue and Customs offices in Westminster, London
Written by Simon Moore
Summary

Not every umbrella that underpays HMRC is doing the same thing wrong — and Joint & Several Liability doesn’t treat all three scenarios the same way.

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Hands stopping a row of falling dominoes, representing umbrella company tax and supply chain risk.
Written by Andy Chamberlain
Summary
The Commercial Payments Bill avoided the usual fate of promising legislation — getting butchered by the Lords and sent back watered down.
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Businessman checking invoices beside an hourglass
Written by Adam Home
Summary

HMRC is consulting until Sunday on plans to make Direct Debit mandatory for VAT and PAYE payments, hitting contractors paid on agency terms of 30-60 days.

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HMRC website displayed on a smartphone in a person’s pocket
Written by Carl Bridges
Summary

HMRC’s recent focus on ‘reckless’ tax offences is a blunt instrument that risks tarring legitimate contractors with the same brush as tax evaders, warns SG Accounting’s Daniel Mepham.

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Businessman carrying a briefcase walking across a road
Written by Daniel Mepham
Summary

The former Felicitas director says contractors were never supposed to be pursued for the full face value of their loans — and reveals that Felicitas cancelled at least one loan after conclu

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Historic loan documents and correspondence laid out on a desk
Summary

After June's heatwave-linked dip, IT contractor demand is back in growth — its best month in nearly three years.

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Businesspeople travelling on escalators in a busy office building
Written by Simon Moore
Summary

UK IT contracting isn't shrinking, but it is getting pickier.

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IT professional working in a London office
Written by Nicholas Tsappis
Summary

As LinkedIn users herald a ‘quiet comeback’ in outside IR35 contracting, Reed's head of contract IT hiring Kelly Macey sets the record straight, and explains what's actually behind 2026's rise in o

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Business consultant presenting a technology project to colleagues during a client meeting.
Written by Kelly Macey
Summary

Auto enrolment quietly sorts pensions for employees. Contractors get nothing of the sort, and fewer than one in five of the self-employed now saves into one at all.

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Professional sitting at a desk with a laptop and paperwork, reflecting on financial planning and pension decisions.
Written by Lottie Hutchins
Summary

Got an HMRC loan charge settlement letter?

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Person reviewing an official document with a pen before signing.
Summary

ContractorUK investigates how the alleged rights to thousands of historic contractor loans passed between private companies — and why the paper trail proving who owns them today is missing.

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Last notice legal action letter on a desk with financial documents overlooking the City of London, representing loan charge recall demands and contractor tax disputes.
Summary

IR35, employment status, security clearance: IPSE's Joshua Toovey outlines the five tests Andy Burnham's government must pass in its first 100 days to earn contractors' trust.

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Professional carrying a briefcase near the Houses of Parliament in Westminster, London.
Written by Josh Toovey
Summary

Sir Keir Starmer's property-buying reforms appear locked in, but new PM Andy Burnham's instincts point somewhere else entirely.

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Estate agent 'For Sale' sign on a residential street in the UK, illustrating housing policy and the property market.
Written by John Yerou
Summary

Markel Tax’s David Harmer unpacks how a mix-up between day rate and drop rate underpins an employment tribunal's ruling, with six key takeaways for contractors concerned about worker status and IR3

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Courier standing beside a delivery van holding a parcel before making a delivery.
Written by David Harmer
Summary

Digital ID dropped, Palantir in the cold, a UK-AI focus and a VPN clampdown — plus the tax reversal that could revive contractor hiring under PM Andy Burnham.

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Business professional using a laptop outside the Houses of Parliament, representing UK technology policy and digital government.
Written by Simon Moore
Summary

There's a certain confidence in billing someone for money they don't have.

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Hourglass beside a calculator, laptop and business paperwork, symbolising the timing of tax payments and cash flow for self-employed contractors.
Written by Lottie Hutchins
Summary

Fresh from the FCSA Forum, Sapphire's Chris Bloor explains why Matthew Taylor's latest Fair Work Agency message matters for the contingent labour supply chain — and what agencies, end-clients and c

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Professional reviewing compliance documents and paperwork at an office desk.
Written by Chris Bloor
Summary

Contractors, we at Clarity Umbrella Ltd just got cloned. For the second time. JSL is one thing, but Companies House needs to get serious.

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Businessman hiding a white mask behind his back during a handshake, symbolising business impersonation, false trust and umbrella company fraud.
Written by Lucy Smith
Summary

JSL is bedding in largely as HMRC intended almost 100 days in, with both due diligence and PSL scrutiny on the up, but 'Bills of Exchange' and patchy smaller-agency awareness show the compl

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Professional reviewing business documents at a desk with a laptop and smartphone
Written by Ashley Olliver
Summary

A record heatwave, a Red Extreme Heat Warning and even the World Cup combined in June 2026 to end IT contractor demand's brief return to growth, with VIQU IT and Reed exclusively telling

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Professional working on a laptop in a bright office during sunny weather.
Written by Simon Moore
Summary

As the government moves to guarantee workers' hours, umbrella contractors and end-clients face an unexpected shake-up to the balance between flexibility, security and IR35 risk.

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Close-up of a professional putting a laptop into a work bag
Written by Andy Chamberlain
Summary

Greg Smith MP, Loan Charge and Taxpayer Fairness APPG co-chair: the ‘independent’ HMRC Loan Charge Review — run by a former HMRC official — is unravelling as fast as Keir Starmer's governme

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Person reviewing official documents and folders on a desk
Written by Greg Smith MP
Summary

Former HMRC inspector Danny Batey on everything contractors need to know about the taxman's IR35 compliance activity, as government confirms no review of OPW, no plans for Single Worker Status, and

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HM Revenue & Customs sign outside the department's Westminster offices in London, representing HMRC's ongoing IR35 and off-payroll working enforcement.
Written by Danny Batey
Summary

The IR35 reality now that HMRC won't be appealing — a decision that spares contractors further uncertainty — is more measured than headlines imply. 

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Yellow card held aloft during a football match, symbolising HMRC ending its appeal in the PGMOL employment status case.
Written by Angela Ferguson
Summary

The Revenue just dropped its clearest roadmap yet for crypto enforcement.

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Business professional checking cryptocurrency market data on a smartphone while working at a laptop.
Written by Daniel Mepham
Summary

The FDE market is no longer the exclusive preserve of a handful of headline AI firms.

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Software engineers collaborating on enterprise AI and software development in a modern office.
Written by Adam Moore
Summary

App Accounting Group contractors getting their 10 days against HMRC is an important milestone.

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Hourglass and magnifying glass on legal documents, representing the lengthy Boox MSC tribunal dispute and ongoing HMRC investigation
Written by Tyra Ali
Summary

The new Makerfield MP is tipped by the cautiously optimistic-sounding contractor sector to be the next PM —  and even if his IR35 and Loan Charge policies are pending, he’s an interventionist

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Palace of Westminster and Big Ben illuminated at dusk in London, seat of the UK Parliament.
Written by Simon Moore
Summary

Fewer updates from HMRC about arrangements to avoid generate more questions about its resources, alongside doubts that every wheeze deserves a black mark, and hints that not all schemes fac

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Corporate financial records under close scrutiny amid HMRC action against tax avoidance schemes.
Written by Simon Moore
Summary

Focusing on just figures if probed by HMRC over VAT is a fool’s errand. Far safer to evidence, explain and justify EVERYTHING because soon, the taxman will be done probing mid-sized firms.

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Business professional opening an official letter amid increased HMRC VAT compliance activity.
Written by Carl Bridges
Summary

Not since August 2023 has IT contractor demand been this buoyant, thanks to Automation, AI, Cloud and Cyber Security uplifts, coinciding with nervy employers ‘sitting on their hands.’ Just

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Four business professionals in a modern office meeting room discussing strategy around a digital display screen.
Written by Simon Moore
Summary

Don’t squander a critical opportunity to give your ‘input,’ because the government says it is committed to ‘ending’ a-gone-awry aspect of contractors’ work that UK contracting wouldn’t exis

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Project manager reviewing work schedules and resource planning on a digital dashboard.
Written by Chris Bloor
Summary

Out of the latest tax fraud to hit the UK contractor supply chain comes some potential good for almost all of us, except ‘Bills of Exchange 2.0’ promoters, of course.

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Business professional reviewing a large stack of documents during compliance and due diligence checks.
Summary

Even the sympathetic-sounding, ultimately powerless taxman knows that for contractors on the receiving end of West 28th Street’s demands, it all hinges on enforceability.

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Person opening and reading a letter from a brown envelope.
Written by Simon Moore
Summary

Here's something nobody really prepares you for when you set up a limited company: what happens when you want to stop.

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Man in a home office closing his laptop at the end of the workday, symbolising the completion of a business chapter.
Written by Lottie Hutchins
Summary

A thinning career ladder. A distorted labour market. Slower-growing businesses. And even reduced project budgets, leading to fewer external roles.

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Modern office workspace with a laptop and empty desk.
Written by Andy Chamberlain
Summary

The taxman just cancelled the interest on the interest, in a significant boon (£6,500) to loan charge contractors and others in HMRC disputes.

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Calculator, pen and financial documents on a desk, representing HMRC tax calculations, instalment settlements and contractor finances.
Summary

If it’s a pay instrument HMRC won’t accept, the liability still exists, cueing up a domino effect of PAYE, NICs, and VAT exposure for anyone banking on bills of exchange.

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Person examining legal documents with a magnifying glass, illustrating scrutiny of Bills of Exchange arrangements following an HMRC alert.
Written by Chartergates
Summary

A ‘ruse’ that the JSL-enforcing taxman won’t accept as ‘money in the bank’ because it has ‘no legal basis’ is making the sales rounds, despite posing a ‘serious commercial risk’ to contract

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HMRC says this umbrella company workaround has 'no legal basis'
Written by Simon Moore
Summary

I became a contractor nearly eight months ago, and I've lost count of how many people have asked me whether I'm worried about the lack of security. Right now, I'm more curious about theirs...

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Professional working late alone in a modern office building at night, reflecting growing uncertainty around job security and employment stability.
Written by Lottie Hutchins
Summary

With a clearer-eyed taxman pursuing limited company look-ins, rest assured it’s ‘only’ late recorders, retrospective preparers, fluctuaters, reversers, and overlappers in the HMRC crosshair

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Professional reviewing financial records on a laptop late at night, reflecting increased HMRC scrutiny of director loan accounts and close company bookkeeping.
Summary

A ‘meaningful difference,’ or merely ‘peanuts?’ Either way, some contractors are already heading towards an extra £500 a year tax-free.

 

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Business professional standing beside a car for work travel as HMRC mileage rates increase
Written by Simon Moore
Summary

It’s probably about right to assert that ‘The wind is in our sails when it comes to getting late payment sorted.’ Just beware the gaping holes in the masthead.

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Business professional reviewing financial documents and invoices amid concerns over late payments affecting UK small businesses and contractors
Written by Adam Home
Summary

I’ll be honest: I sorted my mortgage before I went full-time freelance.

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Businesswoman reviewing financial paperwork and mortgage calculations while working remotely on a laptop from home office desk.
Written by Lottie Hutchins
Summary

AI-generated identity fraud looks set to overrun recruiters with its ‘speed and scale,’ yet somehow, the conversation about synthetic contractor risk is stopping short of the supply chain’s

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Anonymous hooded figure using a laptop in a dark office environment, representing cybercrime, identity fraud and hidden risks within digital supply chains.
Written by Ashley Olliver
Summary

Approved Mileage Allowance Payments by HMRC appear to be heading in the right direction.

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Business professional driving car for work travel, highlighting contractor mileage costs and business journey expenses.
Written by Kerry Newman
Summary

The hiring spree behind ‘one of the most in-demand jobs in tech, and one of the most important functions for AI rollouts,’ just found its contractor feet.

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Software engineer working at multiple monitors in a modern office environment, analysing code and enterprise systems.
Written by Adam Moore
Summary

The biggest monthly spur in temporary techies’ prospects since early 2025 is credited to war and cycles ending, with buoyancy for IT contractors around Infrastructure, Transformation, and S

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Two business professionals discussing strategy while reviewing work on a laptop in a modern office environment
Written by Simon Moore
Summary

The courts just underlined the importance of Ready Mixed Concrete Stage 3.

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Business professional reviewing stacks of legal and tax paperwork in an office setting
Summary

Swap rates, rather than the frozen base rate, are what UK mortgage lenders are pricing their deals on, catching out contractors who don’t expect 5% — unless their borrower profile is pristi

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Professional reviewing mortgage and monthly budgeting documents with calculator, laptop and financial paperwork
Written by Simon Moore
Summary

ONS figures show UK unemployment has hit a five-year high.

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Freelancer or contractor reviewing online job opportunities on laptop, highlighting risks of recruitment scams
Written by Lottie Hutchins
Summary

Momentum is building for contracting — but government policy remains a barrier, as each bid to reduce risk over here seems to introduce new risks over there.

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Business professional reviewing extensive compliance paperwork, reflecting the growing regulatory burden facing UK contractors and freelancers
Written by Andy Chamberlain
Summary

Contractors in IR35 enquiry deadlock claiming not to be part of the squad, but actually the one with the whistle, might get an assist from the FTT showing the Revenue a ‘red card.’

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Business professional reviewing legal employment status documents in office, reflecting PGMOL’s tax tribunal win over HMRC and potential implications for IR35 contractors.
Written by Simon Moore
Summary

Via two entry points, HMRC is seeking richer data to risk-assess and enquire into directors’ personal and company tax affairs. Have your say before June 10th.

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Business director reviewing company financial reports, tax documents and compliance paperwork at office desk
Written by Matt Fryer
Summary

For contractors and others, it’s surely reassuring that HMRC liability can be neutralised.

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HMRC tax return form with calculator illustrating Joint and Several Liability rules
Written by Crawford Temple
Summary

The British Chambers of Commerce published its quarterly survey results earlier th

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Business professional analysing financial data on a computer screen in an office setting.
Written by Lottie Hutchins
Summary

The Revenue resumes its exclusive sit-down with ContractorUK, and warns contractors of ‘large, unexpected tax bills if they get caught up with rogue umbrella companies.’

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HMRC headquarters at 100 Parliament Street, London — the UK tax authority responsible for enforcing the new Joint & Several Liability rules for umbrella companies.
Written by Simon Moore
Summary

Genuinely shocking treatment of 2,000 contractors by the taxman should not be ignored by the Public Accounts Committee — for the good of due process, contractor ‘service providers,’ and equ

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Stacks of paperwork and office documents symbolising HMRC tax investigations affecting contractors
Written by David Kirk
Summary

A still very much in-the-red reading for IT contractors isn’t being recognised by technology jobs agencies not on the high street.

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Dimly lit IT office with computer workstations and no staff present.
Written by Simon Moore
Summary

To fine-tune financial decisions about income and stability, platforms like Tide are the ‘go-to’ for many contractors.

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Top-down view of a person calculating bills with a laptop, paperwork and calculator on a desk
Written by Chloe Wilson
Summary

At last, Making Tax Digital for Income Tax is here, not that limited companies should panic — even if it does demand some contractors’ attention, discipline, organisation, preparation, and

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Accounting spreadsheet software showing digital records for Making Tax Digital income tax reporting
Written by Andy Chamberlain
Summary

Understanding HMRC’s new Joint & Several Liability rules is one thing. How they’re already playing out, ‘on the ground,’ is quite another.

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Stacks of binders and paperwork awaiting processing, representing compliance checks and audit backlog under JSL rules
Written by Holly Spiers
Summary

The assumption is that your accountant will sort it. Keep your receipts, pass them across at year end, and everything claimable gets claimed. Job done.

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Financial paperwork and receipts with calculator on desk, highlighting missed contractor expense claims
Written by Lottie Hutchins
Summary

The taxman takes on 11 questions on the now-in-force rules, warning of ‘no light-touch to enforcement activity’ because ‘for too long, unscrupulous umbrellas have put contractors at risk.’

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HMRC building in London representing Joint and Several Liability enforcement
Written by Simon Moore
Summary

The pre-launch of HMRC’s new ‘recovery mechanism’ for non-compliant contractor umbrella companies saw a six-fold fall in ‘early warning system’ avoidance alerts.

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Close-up of magnifying glass over financial documents, representing tax compliance checks, audit scrutiny and regulatory oversight.
Written by Simon Moore
Summary

As ‘significant changes to PAYE responsibilities’ get ushered in, compliance is no longer the only interest of contractor jobs agencies set to pick up the HMRC tab, even if it must be what wins out

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Open-plan office interior with desks and meeting areas
Written by Lucy Smith
Summary

The expectation that turbulence in the permanent jobs market works in contractors’ favour appears to be being turning on its head, with 56,000+ jobs already at risk in Jan-Feb 2026.

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Empty office workspace at dusk symbolising tech redundancies and reduced contractor demand
Written by Richard Hunt
Summary

What contractors as UK homeowners need to know to shelter from the Middle East conflict.

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House and coins with percent symbol showing rising mortgage rates in the UK
Written by John Yerou
Summary

An expenses episode for a government minister filmed doing pull-ups has parallels for HMRC-wary Personal Service Company directors, as neither can promote themselves within their respective rules.

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Digital camera filming a workspace desk setup for video content creation
Written by Simon Moore
Summary

Government plans to shake up late payment enforcement could finally deliver the tough sanctions that contractors and SME suppliers have been demanding for decades.

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Alarm clock on office desk symbolising late payment deadlines for contractors
Written by Adam Home
Summary

We've all been there. Invoice goes out. Silence rolls in. You send the polite chaser. Then the slightly less polite one.

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Time running out on overdue invoices as late payment reforms target long payment terms.
Written by Lottie Hutchins
Summary

The true significance of HMRC’s case against Ducas, which the Revenue has now dropped, lies in what it reveals about the future of supply chain liability.

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Domino effect visualising how tax liability can spread through a labour supply chain
Written by Chris Bloor
Summary

The taxman is giving us all a heads-up that the days of an end-of-year ‘sorting it all out’ are numbered, as part of new proposals affecting how directors remunerate themselves.

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HMRC Building - London
Written by Carolyn Walsh
Summary

A government decision not to apply its own set-off rules opens a claims window for ex-Horizon IT contractors.

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Whitehall Image
Written by Simon Moore
Summary

The taxman is being condemned for ‘not giving real answers’ to a veteran MP trying to probe an ‘ongoing nightmare’ for thousands of contractors.

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Personal Service Companies Failure
Written by Simon Moore
Summary

There's a particular kind of confusion that comes with contracting in the UK, and it doesn't get talked about enough.

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Contractor split identities
Written by Lottie Hutchins
Summary

For many contractors, April’s higher NMW will flit between mechanical and margin-moving — unlike for some umbrellas, for whom it may be the ‘perfect storm’ that puts them to the test.

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Contractor Working
Summary

It’s not in force yet, but a framework that HMRC hails as advantageous to umbrella company workers is already penalising them. And on multiple fronts.

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JSL Paperwork
Written by Lucy Smith
Summary

With billions being spent abroad on offshoring, UK contractors understandably feel forgotten. But is the government just fiddling as Britain’s temporary IT labour market burns?

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Offshoring - UK jobs
Written by Matt Collingwood
Summary

How directors can use dividends to take the maximum take-home pay with the minimum tax, at the new HMRC rates of 10.75% and 35.75%.

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Dividends Calculations for contractors
Written by Lauren Monks
Summary

‘Hard workers. Innovation-embracers.

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Contracting Awards 2025
Written by Simon Moore
Summary

Temporary techies are now part of the UK’s ‘thinking hiring market,’ which is practising ‘controlled breathing’ following ‘a long snooze,’ albeit ahead of ‘economic shocks.’

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Contractor Jobs Demand nearing growth
Written by Simon Moore
Summary

Fresh guidance on how much of a wage is optimal for contractors to pay themselves in the new tax year (if minimising money to HMRC matters).

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Company Directory working out salary
Written by Lauren Monks
Summary

LCAG: Ministers said a quick and partial review would resolve Loan Charge cases, but the McCann Review will be the latest failure of the Loan Charge scandal.

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Loan Charge - HM Revenue & Customs
Written by Steve Packham
Summary

What the chancellor’s ‘not fooling anyone’ fiscal update means for contractors, according to SG Accounting, Mellor & Co, Brookson, LITRG and other UK contracting experts.

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Houses of Parliament - Spring Statement
Written by Simon Moore
Summary

FCSA: With its legislative plate pretty full, the UK contractor sector must hope Rachel Reeves’ imminent statement lives up to its uneventful billing.

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Whitehall Image
Written by Andy Chamberlain
Summary

SafeRec says despite April fast approaching, too much of the temporary labour supply chain still thinks the risk of HMRC’s framework is only about whether the tax liability has been paid.

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JSL 5 key risks
Written by Sam Amos
Summary

The Post Office Ltd becomes the public sector’s single largest off-payroll working compliance failure, ‘sending a clear message’ to the private sector that robust IR35 processes are ‘essent

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Post Office Image
Written by Simon Moore
Summary

Four reasons why contractors should not be taken in by ‘Scrap IR35’ rhetoric, almost regardless of which political quarter it comes from.

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10 Downing Street
Written by Adrian Marlowe
Summary

Amid practical unknowns and the risk of unintended consequences, the government would do well to remember it already has a highly productive mobile group of workers.

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Non-Compete Clause signing
Written by Tania Bowers
Summary

REC finds IT contractor demand inched downwards in January, but Reed tells ContractorUK it isn’t stalling, is consistent, and still offers premiums.

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Contractor Jobs January 2026
Written by Simon Moore
Summary

The open consultation ‘Make Work Pay: Modernising the Agency Work Regulatory Framework,’ marks a HUGE step towards ending the ‘grey area’ for contractors.

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Umbrella Company Image
Written by Chris Bloor
Summary

A new technical note shows the taxman taking with one hand and giving with the other. He must be persuaded (or instructed) to ditch his balance sheet-led approach.

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Houses of Parliament / Loan Charge
Written by Graham Webber
Summary

High-net-worth types eyeing their first buy-to-let have an open door.

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UK Buyers Market 2026 Image
Written by John Yerou
Summary

Since few contractors can now say ‘Not me, guv,’ the IR35-hit and other PSCs must use the government’s own free tool to temper the reality of the tax walls closing in.

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Contractor Paperwork Image
Written by Carolyn Walsh