Instant quote
Instant quote
Your rates bill checked against the 2026/27 multipliers and reliefs, capital allowances claimed on the fit-out, and the main costs set against sales in your management accounts.
See your monthly feeWhat a qualifying hospitality property in England pays by rateable value, 1 April 2026 to 31 March 2027.
Small business rate relief at 100%, where the business uses one property
Relief falls from 100% to nothing: 50% at £13,500
The small business retail, hospitality and leisure multiplier
The standard retail, hospitality and leisure multiplier
The 40% relief of 2025/26 ended on 31 March 2026. Figures from the 2026/27 multipliers notification and GOV.UK's small business rate relief guidance.
Business Pulse sets gross profit on food, gross profit on drink and labour as a share of sales against your budget in the management accounts, every quarter or every month, and Peter goes through them with you at the review.
The labour cost calculator works out a week's wages and employer National Insurance as a share of sales.
A business using one property with a rateable value under £15,000 gets small business rate relief, and pays nothing at £12,000 or less. Relief tapers between £12,001 and £15,000: 50% at £13,500 and 33% at £14,000.
Taking on a second property keeps relief on the first for 36 months where the second was taken on from 27 November 2025, or 12 months before that date. After that, relief continues only if no other property has a rateable value above £2,899 and the total stays under £20,000, or £28,000 in London.
The Annual Investment Allowance covers up to £1 million of plant and machinery a year, and companies can claim full expensing on new and unused main-rate plant at 100%. Special-rate assets such as integral features qualify at 50% under full expensing.
The 40% relief, capped at £110,000 per business, covered 2025/26 and ended on 31 March 2026. From 1 April 2026 a qualifying property pays a lower multiplier: 38.2p with a rateable value below £51,000 and 43.0p above it.
Small business rate relief on the first property continues for 36 months where the second property was taken on from 27 November 2025, and 12 months where it was taken on before. After that it continues only if no other property has a rateable value above £2,899 and the total is under £20,000, or £28,000 in London.
No. These figures are for England. Wales, Scotland and Northern Ireland set their own rates and reliefs.
Buzz Money Coach is a trading name of Buzz Accounting Ltd (company 15182358). Coaching is not regulated financial advice.
Covers sorting a month of your own spending into four groups, paying yourself first and working out your survival number.
Works out how many months of household spending to keep in reserve, how much cover you hold now and the monthly amount that closes the gap.
Send us your rates bill and your last accounts. We will check the multiplier and reliefs and show you your costs against sales.