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Services & Pricing Guide

Pricing & Packages

At HMJ Finance, we offer flexible, transparent finance support packages designed around the real needs of small businesses. Whether you’re a sole trader, a growing team, or an established SME, we’ve built our pricing to scale with you — no hidden costs, no rigid contracts.

With over 10 years of hands-on experience in bookkeeping and finance roles, our services combine accuracy, clarity, and commercial insight.

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Introductory offer

Get 20% off your first month when you sign up for any package. We’ll tailor the package to your current needs and help you get set up quickly.

Pricing is based on your business size, transaction volume, and reporting needs.

Self Assessment – Sole Traders

£120–£250 (one-off fee)

A flexible service to ensure your Self Assessment is filed correctly and on time. Whether your year was straightforward or includes property, investments, or other income streams, we’ll guide you through it with clear advice and support.

Includes

  • Submission of Self Assessment to HMRC
  • Review of income and business expenses
  • Advice on allowable deductions and reliefs
  • Optional 30-minute consultation
  • HMRC correspondence support (Premium package)

Options

  • Basic: £120 – for simple income (one trade, no extras)
  • Standard: £180 – includes expense review and guidance
  • Premium: £250 – full support with consultation and HMRC follow-up

Additional charges may apply for capital gains or rental property income (from £50). January submissions (last-minute filing) are +£50.

VAT Returns – Quarterly

£50–£170 per return

We’ll ensure your VAT return is filed accurately and on time through your accounting software. Whether we’re reviewing your prepared return or handling it end-to-end, we’ll keep things compliant and efficient.

Includes

  • Preparation and submission of VAT return
  • Digital filing through QuickBooks or Xero (MTD compliant)
  • Support for standard or cash accounting schemes
  • Email support

Options

  • Review & Submit: £50 – you prepare, we check and file
  • Standard: £75 – we prepare and submit using your records
  • Full Bookkeeping + VAT: £170 – includes up to 100 transactions/month

Manual/spreadsheet records: +£30. Flat Rate/Annual VAT schemes priced on request.

Pricing & Packages

Starter Package

£170–£220/month

For sole traders and micro-businesses looking for solid foundations.

  • Up to 100 transactions/month
  • Sales & purchase invoice posting
  • Bank reconciliations
  • Quarterly VAT return support
  • Email support

Go over your limit? We charge £1.00 per additional transaction.

Essentials Package

£300–£450/month

For growing businesses ready to take control of their finances.

  • Up to 250 transactions/month
  • Monthly Profit & Loss & Balance Sheet
  • Debtor and creditor summaries
  • Basic KPI dashboard (Excel)
  • Email & phone support during business hours

Only £0.80 per transaction beyond the included 250.

Professional Package

£600–£750/month

For established SMEs needing consistent financial oversight.

  • Up to 500 transactions/month
  • Enhanced monthly management accounts with commentary
  • Credit control support
  • Supplier payment runs
  • Budget & rolling forecast updates
  • Liaison with your accountant or HMRC

£0.60 per additional transaction as you grow.

Complete Finance Partner

£900–£1,100/month

For businesses needing a full-service finance function.

  • Unlimited transactions (within fair usage)
  • Custom Excel dashboards or Power BI setup
  • Monthly variance analysis (budget vs actual)
  • Cash flow forecasts and planning
  • Monthly strategy check-ins with senior staff

If volumes grow significantly, we’ll adjust pricing fairly and transparently.

Whatever your needs - drop us an email and we can get something sorted - you don't need to fit one of the packages!

One-Off Projects & Catch-Up Work

£45–£60/hour, quoted in advance

  • Backlog bookkeeping
  • VAT catch-ups
  • Finance system clean-ups
  • Audit prep & reconciliations
  • Custom reporting or dashboards

Pay-As-You-Grow Flexibility

We know that small businesses often have peaks and troughs in activity. That’s why every package is designed with built-in flexibility — so you only pay more when your business does more.

If you go over your transaction limit, you’re simply billed a small per-transaction fee in your monthly invoice. No surprises.

Why Choose HMJ Finance?

  • 10+ years of real-world finance experience
  • Part-qualified and commercially aware
  • Friendly, practical support tailored to SMEs
  • Flexible plans that grow with your business
  • No long-term contracts or hidden fees

Let’s get started

Take advantage of our 20% off first-month offer — no obligation to continue beyond that. Let’s see how we can support your business with clear, efficient financial management.

Contact HMJ Finance