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Q. I'm currently operating a PSC as a limited company with a contract outside IR35. If my next contract post April 6th is inside IR35, the agency would deduct Tax/NI and pay a deemed salary into my business. How do I actually take that money out of the business? Wou...

How does IR35 affect me financially?

Q. I work in the public sector with a day rate for £260 per day. I have been told today that my contract due for renewal 01/04/2017 would be subject to IR35.

I personally do not believe I am subject to this, that is another conversation, my quest...

Public Sector Changes – Joining the Payroll

Q. This week I have been bombarded with emails and letters from the various agencies that I work with. Although I am Director of a limited company which works within the Public and Private sector I offer Teaching and Tuition services. The company employs an accountant who does a ...

Public Sector Guidelines – Employee or Contractor?

Q. With the advent of the new IR35 rules I have been told as a central government contractor that I now have to work through an umbrella company rather than my current limited company. My contract is managed by not one but 2 agencies. One is Capita and the other age...

Public Sector Role – Outside of IR35?

Q. I've been approached by a recruiter for a public sector contract role, which I've been told is 'outside IR35'. Given the change in off payroll rules I queried this and was told a consultancy is being paid by the public sector client to do the work and the consult...

IR35 Test – Office Holder

Q. Could you please provide further clarity on the 'Office Holder' issue within the IR35 HMRC online test. I provide my services via a limited company of which I am company director. Does this mean then that I need to answer Yes to this question? I am not an 'office...

Umbrella Mortgages

Q. I work in the public service sector and have no choice but to join an Umbrella company. Can I still get a mortgage based on my contract rate or will I be assessed on my payrol salary which is pathetic. I've already contacted my existing lender HSBC and they didn't have a clue?...

Healthcare IR35 Considerations

Q. I am a healthcare professional working with nursing agencies, also I have set up my own recruitment agency to provide care for individuals in in the community and supply to other organisations that may require healthcare workers. However, how do I go about my own payment with ...

Locum Doctor: IR35 Enquiries

Q. A locum doctor working in Public sector mentioned that they were previously investigated for IR35 and they passed the test. It would be useful to have more info about this, as this would help all locum doctors to fight against IR35 insanity from April 2017.

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New Public Sector Rules: Should I enter an Umbrella?

Q. Do I have to enter an umbrella company with the new IR35 inclusion rules for contractors in the public sector. My agency is claiming 20% for sick, pension & holiday pay and their fees ...but I do not require these as can do this myself as my contract is shor...

Contractor Mortgages: Proving Historical Income

Q. Can I still get a mortgage if I'm on my first contract and have only been trading for 8 months through my Limited company? A number of high street lenders have rejected my application and have told me that I need a minimum of 2-3 years accounts.A. The simple answer to this...

Public Sector Guidelines: Academy Trusts

Q. I am a consultant working in schools on daily rate contracts either with LA controlled schools or with schools in Academy trusts. I work through my own limited company with contracts normally brokered by recruitment agencies. With the change in IR35 will I be inside or outside...

Public Sector Options

Q. In view of current changes, what are the options for locum doctors? How safe and legal are your options?A. With regard to the public sector guidelines which take effect from 06 April 2017, the options will depend on the position your end client wishes to adopt. Initially i...