Landlord tax in 2026… and the 2% shift that's quietly costing more than anyone's admitting.

It sounds small. It isn't. Because depending on how you hold your property, this change hits very differently and most landlords still haven't run the numbers.

We're talking personal ownership versus limited company, dividend tax, alphabet shares, ownership splits, and the stamp duty trap that catches people out every single time. Because the most expensive strategy in property isn't buying badly. It's structuring badly.

Rachael is joined by James, senior accountant and the person they throw every complex property case at, to cut through the noise on what actually matters for landlords right now. Not in theory. In practice.

If you own property, this one's for you.

MTD… the thing everyone is either talking about or hasn’t heard about!

Making Tax Digital for Income Tax or as we’re calling it, the sole trader trap and the hidden cost nobody asked for.

Because while HMRC calls this “modernisation”, what we’re actually seeing on the ground is confusion, last-minute panic, and a lot of people who don’t even realise it applies to them yet.

And here’s the kicker, it’s not based on profit… it’s based on turnover. So even if you’re not making much money, you could still be pulled into more admin, more cost, and more pressure.

I’m joined by Tara, who’s on the front line speaking to clients every single day, and together we’re breaking down what’s really happening, who’s at risk, and what you need to do now before this catches you out.

In this episode of FFS, Rachael is joined by R&D specialist Christopher Harrison to unpack one of the most misunderstood areas of UK tax: Research & Development tax credits.

They explain what actually qualifies as R&D in the eyes of HMRC, why something being new to your business doesn’t necessarily make it innovative, and the role genuine technical uncertainty plays in a successful claim. The episode also explores common mistakes businesses make, what HMRC inspectors look for during inquiries, and why documentation from day one is crucial.

With scrutiny on R&D claims increasing and aggressive claim firms still operating in the market, Rachael and Chris share practical advice to help business owners understand the rules, avoid costly mistakes, and approach R&D relief the right way.

How should you really pay yourself as a UK limited company director?

In this episode of FFS For Finance’s Sake, Chartered Accountant and Managing Director Rachael Chadwick-Harrison shares the March Tax Planning Secrets most business owners never hear.

Rachael explains why March is the most important month in the tax year, how to avoid the brutal 60% tax trap over £100,000, and why extraction planning should be done with precision, not guesswork. She breaks down the four types of company director, from the “lone wolf” to the “fully loaded”, and shows how employment allowance, corporation tax bands, and household income all change the answer.

If you’re wondering whether you’re paying yourself tax efficiently, this episode is your starting point.

If you’ve ever felt like your business has gone from dream partner to high-maintenance nightmare, this episode is for you.

Rachael is joined by James Brookes, founder of Llumor Systems Ltd, who’s coming up to his first year in business. Together, they get brutally honest about what really happens once the honeymoon phase is over: the 3am wake-ups, the chaos you didn’t plan for, the systems you wish you’d put in place sooner, and the clients that make you question all your life choices.

But it’s not all doom and gloom. This is also about what changes when you get clearer on your value, your ideal clients, and your why and how that’s often the turning point where businesses (and founders) start to enjoy things again.

Have you ever felt like the business you built no longer feels like yours?

In this episode of FFS, Beth is joined by Managing Director and Chartered Accountant Rachael Chadwick Harrison to talk honestly about falling out of love with your business and how to rebuild it in a smarter, stronger way.

From hiring and delegation to leadership and buying back your time, Rachael shares practical, real-world advice to help business owners step out of overwhelm and back into control.

If your business feels heavy, this episode is for you.

Your first VAT return can set the tone for your relationship with HMRC. In this episode Rachael is joined by accountant Charlie to unpack the myths, mistakes, and scrutiny that often come with a business’s very first VAT submission.

From what you can actually reclaim to why HMRC pays closer attention to first returns, this episode is essential listening for any newly VAT-registered business wanting to get it right from day one!

In this episode things are a little different as Rachael is firmly in the hot seat and is joined by her business coach Emma Slack for a candid conversation recorded live as part of an AVN webinar.

Following a standout year in which Rachael was recognised with the Changing Lives and High Profile Practice awards, alongside the overall title of Most Inspiring Accountant, Emma puts Rachael under the spotlight to unpack what really sits behind that success.

From starting a firm in her back bedroom during a pandemic, to building a 16-strong, award-winning practice, this episode dives into visibility, awards, marketing, culture and the realities of scaling a firm without losing your values.

If you’re an accountant wondering how to raise your profile, build a high-profile practice, or simply want a behind-the-scenes look at what it really takes to stand out in today’s profession, this episode is for you.