hi sage
we`re in the same situation in hampshire.
i had a look around but i would need more info as well.these are the things what i know-might help.as well i can be wrong in some of them.
you can start as a sole trader which means you can work under your name and at the end of tax year you have to fill the self assesment form for tax things.i personally think it`s not the best idea in case of contract cleaning/office etc./ - you can`t have a company name therefore maybe the possible clients won`t take you seriously.
you can start as a limited cmpany - registering online costs about 40£ - you will have a company name,registered office etc. i think this option is better if you wish to grow and employ staff.
in regards of paperwork,an accountant can do the job or DIY
- that`s what i`m planning to do.
and this is the area i`m not sure in.is it enough to buy your payroll software and at the and of the tax year get an accountant to sort out your taxes..?
insurance - if i remember well as a sole trader you don`t need to be insured at some point - i would check it.as soon as you employ people it is required by law to have an employer liability insurance.you could have public liability insurance if you want.the thing is i couldn`t find insurance company selling separately the two.the cheapest one i found is about 70£ p/m for 5 people including yourself.
well,that`s all i know hope helps
good luck