Contractor Dividends & Tax Efficiency: Salary vs Dividends Strategy for 2026

Accounting, Construction, Self Assessment / By Yamin Faruk / 14/01/2026

Choosing the right payment strategy is one of the most important decisions for maximising take-home pay. The balance between salary and dividends doesn’t just affect how much you earn but it also impacts your tax liabilities, National Insurance contributions, and overall financial efficiency.As we move towards the 2026 tax year, understanding how salary–dividend planning works […]

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Maximising Tax Efficiency: How UK Independent Contractors Should Handle VAT and Dividends

Construction, VAT / By Yamin Faruk / 23/12/2025

Running a limited company comes with different costs, but many of these costs can help reduce your tax bill. Claiming the right expenses ensures your company remains tax-efficient and compliant with HMRC rules. In this article, we’ll explain Claimable Expenses for Limited Companies in the UK to help you understand what you can and cannot

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Top 10 Expenses Limited Companies Can Claim Under the Construction Industry Scheme (CIS)

Limited Company, Business, Construction / By Yamin Faruk / 16/12/2025

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Do Limited Companies Need CIS Registration? Here’s What You Need to Know

Accounting, Business, Construction, Limited Company / By Yamin Faruk / 05/12/2025

Running a limited company in the construction sector comes with many responsibilities and one of the most important is understanding CIS (Construction Industry Scheme). CIS is a set of HMRC rules that controls how payments are made between contractors and subcontractors in construction. Its main purpose is to make sure the right amount of tax

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6 Red‑Flag Metrics Construction Accounting

6 Red‑Flag Metrics in Construction Accounting That Every UK Contractor Should Track

Accounting, Business, Construction / By Yamin Faruk / 24/11/2025

Construction works very differently from most other industries. Projects can last for months or even years. Costs usually build up at the start, with large spending on materials, labour, and equipment before any payments are received. When you add delays, contract changes, and complicated payment terms, problems can easily go unnoticed until they become serious.This

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$Featured image of CW - 6 Signs Your Construction Company Needs fractional CFO$

6 Signs Your Construction Company Needs fractional CFO services

Accounting, Business, Construction / By Yamin Faruk / 14/11/2025

Managing a construction company is challenging. Multiple projects, tight deadlines, and fluctuating cash flow can quickly become overwhelming. A fractional CFO is a part-time financial expert who provides strategic guidance, financial oversight, and planning without the cost of a full time CFO. In this article, you’ll learn 6 clear signs your construction business needs fractional

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Zero-Rated VAT Supply in the UK - blog image CW

What Counts as a Zero-Rated VAT Supply in the UK

Accounting, Construction, Limited Company / By Yamin Faruk / 09/09/2025

If you’ve ever run a business in the UK, you know that VAT can feel complicated. How different VAT rules affect everyday sales, and one category that often confuses people is zero-rated VAT. In simple terms, zero-rated supplies are goods and services that are taxable but charged at 0% VAT. That means your customers don’t

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A Complete Guide to Successfully Claiming R&D Tax Relief in the UK

Accounting, Business, Construction, Limited Company / By Yamin Faruk / 06/05/2025

Research and Development (R&D) tax relief is a significant opportunity for businesses in the UK, allowing them to reduce their tax bills or receive valuable cash credits. The scheme aims to encourage innovation, enabling companies to reinvest in developing new products, processes, or services. Despite its potential, many businesses struggle with the complexities of the

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How Builders Can Reclaim VAT on Construction Materials in the UK

Accounting, Business, Construction, Limited Company / By Yamin Faruk / 22/04/2025

Reclaiming VAT (Value Added Tax) can be a great way for builders to reduce the costs of construction projects. This process is especially helpful for those working on large-scale builds or refurbishments. Builders, self-employed contractors, and homeowners involved in specific projects can qualify to reclaim VAT. This article will explain who is eligible to claim,

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How to Reclaim Overpaid CIS Tax: Step-by-Step Refund Guide

Accounting, Construction, Limited Company / By Yamin Faruk / 15/04/2025

If you’re a subcontractor under the UK’s Construction Industry Scheme (CIS), it’s likely that 20% (or even 30%) of your payments have been deducted for tax purposes. The good news? You might be entitled to reclaim some or all of that overpaid tax. Each year, many UK subcontractors miss out on refunds simply because they’re

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