Chartered accountants

The Cotswolds

The north Cotswolds run on hospitality, tourism, property and land, alongside a growing number of small professional and creative businesses. Seasonal income and mixed business and personal tax are the norm here.

15 to 25 miles from our Cheltenham office

ICAEW Chartered

Xero Silver Partner

On the ground

What we see locally.

The towns and villages of the north Cotswolds, from Bourton-on-the-Water and Stow-on-the-Wold to Moreton-in-Marsh and Chipping Campden, have a business base built around visitors and land. Hotels, pubs, restaurants and holiday lets sit alongside farms, estates, equestrian businesses and the trades that serve them.

Two things come up again and again. The first is seasonality: a business that earns most of its money between Easter and October needs a cash flow forecast that reflects it, and a VAT position planned around it. The second is that business and personal tax are rarely separate. A trading company, a let property and land are usually one set of decisions, and inheritance tax and capital gains planning come into it earlier than most people expect.

Holiday lets deserve a mention of their own. The furnished holiday lettings regime ended in April 2025, which changed how a great many Cotswold properties are taxed. If your position has not been reviewed since, it is worth a conversation.

Holiday let income now counts as ordinary property income for Making Tax Digital. Owners with gross rents and trading income over £50,000 are already in, and those over £30,000 join in April 2027. Your 2025/26 self assessment return is due by 31 January 2027.

Sectors

The businesses we work with here.

Hospitality and tourism, holiday lets and property, agriculture and estates, professional and creative services

Postcodes covered

GL54, GL55, GL56

Also covering

Bourton-on-the-Water, Stow-on-the-Wold, Moreton-in-Marsh, Chipping Campden, Northleach, Broadway

Getting there

Around half an hour on the A40 and A436 through Andoversford, or the B4632 north to Broadway and Chipping Campden.

Areas we cover

Cheltenham · Gloucester · Tewkesbury · Cirencester · Stroud

What we do

The whole job, on a fixed monthly fee.

Every client is on a fee agreed before the year starts, with no hourly billing and no surprise invoices. Pick the side that applies to you.

For your business

Accounts, corporation tax, VAT, payroll and bookkeeping, plus the outsourced finance function when you need more than compliance.

For you personally

Self assessment, capital gains, inheritance tax and rental income, planned across the year rather than reported in January.

Finance Partner

A finance department without four salaries. Bookkeeper, payroll, management accountant and finance director on one monthly fee.

Live reporting

Xero is the ledger. It is not the reporting. Live dashboards built from your own data, so the numbers arrive while they still matter.

Who you deal with

A name, not a switchboard.

George McKenzie

Manager

George works with owners whose business, property and personal tax need to be looked at together, which describes most of our Cotswold work.

Worth a read.

Tax

Changing accountant before 31 January: is it too late?

Most people can still change accountant before the 31 January deadline. How the handover works, what decides the timing, and when it is better to switch the day after.

Tax

CIS subcontractors in Gloucester: your tax return and Making Tax Digital

For Gloucester's CIS subcontractors, the 2025/26 return often means a refund, and it also decides whether Making Tax Digital applies from April 2027. The threshold is tested before the CIS deduction.

Property

Making Tax Digital for landlords in Cheltenham and Gloucestershire

Making Tax Digital reaches landlords with more than £30,000 of income from April 2027, the same month property income rates rise. What Gloucestershire landlords should check before 31 January.

Questions

Common questions.

Do you work with businesses in the Cotswolds?

Yes. We work with businesses across the north Cotswolds from our Cheltenham office, around half an hour away. Most of the work is done in Xero and on calls, and we meet in person when it helps.

How much does an accountant cost in the Cotswolds?

Our fees are fixed and monthly, agreed before we start. Business packages start from £100 a month plus VAT, and the price depends on turnover, transaction volume, payroll, VAT and how much reporting you want. The full breakdown is on our pricing page.

Can you look at my business, property and personal tax together?

Yes. An owner with a trading business, property and land is usually making one set of decisions, so we look at the business, the property and the personal tax position together rather than in isolation.

Talk to us.

A first conversation costs nothing and usually takes half an hour. We will tell you what we would do and what it would cost, and you can decide from there.