My role
I am a Partner based in the Business Services team at our Norwich office. I oversee a varied portfolio across both our Norwich and Halesworth offices which incorporates my specialisms in agriculture, not-for-profit organisations and family-owned businesses across a wide range of industries. I am the Chair for the LB Community Fund fundraising committee, organising the Fund’s annual charity ten-pin bowling event, and also a board member of the Lowestoft & Waveney branch of the Suffolk Chamber of Commerce.
About me
I joined Lovewell Blake in 2004 after having previously studied Chemistry at university and am a qualified Chartered Certified Accountant. Outside of the office, I am the Honorary Treasurer of Beccles Rugby Club and so can often be found on the touchlines of Norfolk and Suffolk on a Saturday afternoon. I am also a keen baker, cook and mixologist, combining the latter two by hosting a monthly Cocktail Club. Living in Halesworth, surrounded by the Suffolk countryside, I enjoy walking the routes to and around the local towns and villages.
My sectors and specialisms
- Agriculture
- Family businesses
- Not-for-profit organisations
- Employment benefits
Speak to me about
- Company formations and start-ups
- Accountancy and tax compliance
- Accounting software
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Lovewell Blake's community fund
Latest Articles

Food security needs to be higher up the agenda in ‘joined up thinking’ about land use
A more joined-up approach to land use needs to be adopted if UK food security is to be protected, according to a leading agricultural finance expert.

SFI flexibility could help de-risk 2024 after challenging harvest, says leading agricultural finance expert
The flexibility offered by the Sustainable Farming Initiative could enable farmers to ‘de-risk’ their operations in 2024, following a challenging harvest this year, according to a leading agricultural finance expert.

Tax clarity needed on new environmental land management schemes
HMRC needs to provide clarity about the tax situation surrounding SFI payments, says Mat Waters.

It’s a treble! Bank holiday-filled month to give early boost to ‘staycation summer’ says hospitality and tourism expert
Hospitality and tourism businesses in East Anglia are set for a welcome boost in trade with three separate bank holiday weekends in May, which could signal another ‘staycation year’ for the region, according to a leading tourism and hospitality expert.

Company Benefits and Expenses - Areas to Consider: What is Exempt?
Employers have until 6 July 2023 to report any taxable benefits and expenses provided to their employees (including company directors) during the 2023 tax year on the forms P11D and will have to settle any National Insurance arising on these by 22 July 2023.

Company Benefits and Expenses – Areas to Consider: Employee Benefits
Employers have until 6 July 2023 to report any taxable benefits and expenses provided to their employees (including company directors) during the 2023 tax year on the forms P11D and will have to settle any National Insurance arising on these by 22 July 2023.
Due to the reversal of the additional 1.25% on national insurance rates in November 2022, Class 1A national insurance on employee benefits is at a rate of 14.53% for the 2023 tax year.

Company Benefits and Expenses – Areas to Consider: Vehicles
Employers have until 6 July 2023 to report any taxable benefits and expenses provided to their employees (including company directors) during the 2023 tax year on the forms P11D and will have to settle any National Insurance arising on these by 22 July 2023.

Corporation Tax – potential ways to reduce taxable profits for business owners
On 14 October 2022, the then Prime Minister Liz Truss U-turned on her government’s previous promise to cancel the scheduled rise in corporation tax from 19% to 25%, effective from 1 April 2023.

Tax changes surrounding electric vehicles
In his Autumn Statement, the Chancellor announced several changes to the taxes surrounding electric vehicles. Mat Waters, a Business Services Partner in our Lowestoft office summarises the current tax implications to business owners for owning or leasing electric vehicles

Local accountants bowled over by success of returning fundraiser
Thursday 20th October saw the return of Lovewell Blake’s popular charity tenpin bowling event after a 2 year hiatus due to the pandemic.

Cycle to work scheme and taxes: what you need to know
Thursday 4th August is Cycle to Work Day, where thousands of commuters will leave their cars at home or forgo public transport to get on their bikes to the workplace.

Hospitality sector sees inflation impact its post-pandemic recovery
There is a simplistic financial rule-of-thumb within the restaurant industry which states that the price the diner pays can be divided equally to cover three cost categories: the ingredients on the plate; staffing; and overheads - with any profit the business generates forming part of the latter.

Nothing seems to demonstrate the effect of last year’s staycation boom quite like the quintessential Great British beach hut
In 2021, research by hotel booking website Hoo suggested that the average asking price of a beach hut had increased by 41% as British holiday-makers stayed within our shores, while a follow-up study this month has shown a reduction of 24% as the staycation property bubble maybe doesn’t burst, but begins to deflate.

Leading specialist accountant calls for delay in VAT hike for hard-pressed hospitality and leisure sector
As hospitality businesses continue to grapple with soaring food and energy costs and staff shortages, from April they will also face an increase in employer’s national insurance of 1.25% thanks to the Health and Social Care Levy, and a rise of 6.6% in the headline National Living Wage.
Utilising HMRC's Annual Allowances before 5 April 2022
The UK’s fiscal year (or tax year, as it’s more commonly known) ends on 5 April and with it any annual allowances which HMRC offer for the 2021/22 tax year.
Planning for the future by saving tax in the present
In 2012, due to concern that the UK population weren’t taking adequate measures to save for their retirement, the Government took the radical measure of introducing auto-enrolment.
Can electric vehicles make company cars tax efficient?
Over the years, the provision of company cars to employees has become increasingly disadvantageous from both a payroll and business tax point of view.

Lovewell Blake appoints new partner
Chartered accountants Lovewell Blake have appointed Matthew Waters as a partner.
Lovewell Blake helps to launch nationwide farming survey
Earlier this month, The Rural Accountancy Group (RAG), of which Lovewell Blake is a member, launched its UK Industry Survey across farm businesses in England, Scotland and Wales.

Can Biodiversity help farming businesses diversify?
With the existing area-based payments being halved by 2024 on the way to being fully abolished by 2028, Environment Secretary George Eustice has already told farmers that the future of subsidies will be through Environmental Land Management Schemes.

Could rising property prices also give rise to an additional company tax charge?
In 2020, the pandemic sparked a ‘race for space’ which saw the average UK house price rise by 7.6% in the year to November 2020. This means that a dwelling previously valued at £465,000 12 months ago could now potentially be worth over £500,000 and give rise to a tax issue under Annual Tax on Enveloped Dwellings (ATED).

House of Lords Vote to Reinstate Food Standards Protections into the Agriculture Bill
The back-and-forth between the Houses of Parliament on the Agriculture Bill continues. On Tuesday 20th October the Lords voted to reinsert powers into the Bill which were removed in the last Commons vote.

National Farmers' Union President fears for the future of British Family Farming
On Saturday 10 October, Minette Batters, the President of the National Farmers' Union (NFU), published a piece in the Daily Mail that she professed she "never wanted to have to write", fearing the death of the British family farm.

Accountants pledge to adapt to keep their fundraising challenge going
In 2008, as part of the firm’s 150th anniversary celebrations, Lovewell Blake launched the Lovewell Blake Community Fund with the aim of raising £150,000 in 5 years for good causes across the region. The firm’s partners and staff rose to the challenge, surpassing their initial target and to date have raised over £275,000.