Contractor guides
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Practical, source-verified guides for UK contractors — no fluff, no fabricated numbers.
- Inside IR35 explained — what it means for your contract
- Umbrella vs limited company: the 2026/27 comparison
- Umbrella vs limited company after IR35
- Umbrella company checklist: 12 checks before you sign
- Choosing a contractor accountant
- Contractor insurance: what you need and what it costs
- Your first contract: the complete checklist
- How to negotiate a higher day rate
- The contractor CV that gets replies
- Contractor mortgages: how lenders assess day-rate workers
- The CEST tool explained
- Off-payroll working rules: who decides your IR35 status
- When the agency says inside IR35
- AWR: agency workers regulations for contractors
- How to find genuine outside-IR35 contracts
- What's a good day rate in 2026?
- What 'outside IR35' actually means
- There is no HMRC-approved umbrella list — here's what to check instead
- IR35 insurance: what it covers, what voids it
- Professional indemnity, decoded
- VAT for your limited company
- Claimable expenses, honestly explained
- Contractor mortgages: what you can borrow
- Pensions: the contractor's last great tax shelter
- Beyond the job boards: direct end-client work
- Contracting vs a permanent job, in numbers
- Notice, termination and getting paid
- Two contracts at once: what's actually allowed
- PSC setup in 12 steps
- Umbrella fees: fair vs rip-off
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