IR35, umbrella or your own company?
A plain-English guide for contractors working through IR35, umbrella companies and their own limited company in 2026/27.
- Your three ways to work compared, with a 2026/27 take-home illustration
- IR35 in plain English: who decides, status determinations and disputes
- Umbrella companies and who is responsible for PAYE from April 2026
- Travel and the 24-month rule, VAT, pensions and gaps between contracts
Written by the adviser you would speak to
Ishmael Bangura FFAManaging Partner, IB&Co Accountants, Canary Wharf
Ishmael Bangura FFA is a qualified tax adviser and Fellow Financial Accountant with a finance degree and about 15 years' experience, including earlier corporate roles. He has helped more than 950 clients. IB&Co Accountants is regulated by the IFA and IPA.
Regulated by the IFA and IPA · More than 950 clients helped · Level 37, 1 Canada Square, London E14 5AA