Yash Financial Services: mortgages, insurance and accountancy in Forest Gate, London

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• Draft — for YFS Compliance review · checked 16 Oct 2026
• Paper Self Assessment returns due 31 October31 Oct 2026 · HMRC

  HMRC must receive paper tax returns for 2025 to 2026 by 11:59pm on 31 October 2026, or a late filing penalty applies. Filing online gives you until 31 January.

• Online Self Assessment and payment deadline: 31 January 202731 Jan 2027 · HMRC

  Submit your online tax return and pay any tax you owe by 11:59pm on 31 January 2027 to avoid penalties. To pay through your tax code, file online by 30 December.

• Making Tax Digital for Income Tax is now live6 Apr 2026 · HMRC

  Sole traders and landlords with qualifying income over £50,000 in 2024 to 2025 should have started using Making Tax Digital from 6 April 2026. You can still sign up if you have not.

• Making Tax Digital: next thresholds £30,000 then £20,0006 Apr 2027 · HMRC

  Qualifying income over £30,000 in 2025 to 2026 means using it from 6 April 2027. Over £20,000 in 2026 to 2027 means using it from 6 April 2028.

• 436,000 sole traders and landlords make their tax digital12 Aug 2026 · HMRC

  More than 436,000 sole traders and landlords have sent their first Making Tax Digital for Income Tax update.

• Income Tax rates and allowances for 2026 to 20276 Apr 2026 · GOV.UK

  The standard Personal Allowance is £12,570. Basic rate (20%) applies from £12,571 to £50,270 (rates differ in Scotland). The allowance falls by £1 for every £2 of income over £100,000.

• Dividend tax rates for 2026 to 20276 Apr 2026 · GOV.UK

  The dividend allowance is £500. Above it, dividends are taxed at 10.75% (basic), 35.75% (higher) and 39.35% (additional rate) from 6 April 2026.

• FCA proposes changes to help more people get a mortgage9 Jun 2026 · FCA

  The FCA proposed more flexible rules for first-time buyers, older borrowers and the self-employed, including variable income and retirement interest-only lending, while keeping affordability checks.

• FCA mortgage rule consultation (CP26/18) closed28 Jul 2026 · FCA

  The consultation closed on 28 July 2026. The FCA expects to publish feedback and a Policy Statement in the second half of 2026.

• FCA final report on protection insurance21 Sep 2026 · FCA

  The FCA found protection distribution generally works well, but 58% of people hold no protection products. It is acting through existing rules, including Consumer Duty fair value, rather than new market-wide rules.

General information from public sources, not financial or tax advice. Tax rules can change and depend on your circumstances.

For more than two decades, Yash Financial Services has helped people buy homes, protect what they have built, and make clearer decisions about borrowing and buy-to-let.

Alongside that, Yash & Co Accountants supports individuals and companies with accounts, tax and day-to-day bookkeeping — so your finances and your paperwork sit with a team that already knows you.

Whether you are a first-time buyer, a growing business, or sorting the next stage of life, we are here to listen first and then guide you through the options.

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If something is not right, contact us and we will look into it. Eligible financial-services complaints may also be referred to the Financial Ombudsman Service — financial-ombudsman.org.uk.

Mortgage and buy-to-let tools use the figures you enter (price, rate, term, rent) to show monthly payments, yield and simple interest cover. Insurance uses an income-multiple sketch. Results are illustrations to support a conversation — lenders and insurers apply their own criteria.