Member News

MENS MENTAL HEALTH – UK STATISTICS The UK faces a significant mental health crisis among men, with various statistics highlighting the challenges they face:Mental Health Disorder: 12.5% of men in England have a mental health disorder. Suicide Rates: Men are three times more likely to die by suicide than women, with 74% of deaths by suicide in 2023 in England being male. Substance Abuse: Men are more likely to develop a problem with substances, with 4.3% of men having a dependence. Mental Health Awareness: Only 36% of all NHS referrals for psychological therapies are for men. Workplace Concerns: 52% of men would be concerned about taking time off for mental health-related reasons. These statistics underscore the urgent need for increased awareness, support, and action to improve mental health outcomes for men in the UK.

TAKE ACTION NOW and seek support from Eudaemonia who have a number of therapists who will ‘meet you where you are at’ to help you invest in your mental health and wellbeing!

Businesses have a range of policies and procedures designed to create a safe, structured and fair working environment for their employees.

They set out clear guidelines of what is expected of employees and what they can expect from their employer, ensuring that they feel supported in the workplace.

In recent years, there have been increased calls for businesses to review these to ensure that they cover trending issues such as mental health and domestic abuse. 

Guidance released alongside the Domestic Abuse Act (2021) implored businesses to take an active role in tackling domestic abuse, specifically reminding them of their duty of care to their employees.

Despite this recommendation, research conducted by the Vodafone Foundation found that just 5% of employers had specific policies or guidelines around domestic abuse. 

There are many reasons why this figure may be so low. For example, employers may feel that they do not know enough about domestic abuse to confidently draft policy and procedure.

There will also be some businesses that don’t believe it is a workplace issue or are unaware of the impact that it will be having on their employees and their organisation. 

However, 1 in 3 women and 1 in 5 men will experience domestic abuse at some point in their lifetime, reiterating the fact it is an issue that should be taken seriously.

Not only is it good practice to have policies and procedures around domestic abuse, but it can also have many other benefits for businesses and organisations.

They can help to provide a clear framework, enabling you to respond effectively to support an employee experiencing domestic abuse.

This ensures a consistent and empathetic response to disclosures of abuse, which can help employees to get the support they need and allows businesses to put their own workplace support plan in place.

Policies and procedures can also save businesses money, reducing the cost that domestic abuse has through lost productivity or recruitment costs – estimated to be a staggering £14bn every year.

Measures such as adjusting an employee’s working arrangements can have a positive impact and are often quite easy for businesses to implement.

There are many upsides to having specific policies and procedures around domestic abuse and we believe that now is the time for businesses to consider their role in tackling this important issue.

Why Now?

There has never been a better time for businesses to assess gaps in their policies and procedures to ensure that they are covering increasingly trending issues such as domestic abuse.

With a Bill looking at introducing paid leave to survivors of domestic abuse currently going through parliament, it is an issue that employers need to be aware of and know how to respond to.

This will undoubtedly impact businesses across the country, particularly as an estimated 10% of the workforce are experiencing domestic abuse.

Despite being a prevalent issue across society, knowledge around domestic abuse remains relatively limited and knowing how to translate this into actionable policies and procedures can be a challenge.

This is where Leeway can help you!

We have experience of supporting businesses and organisations to or draft policies around domestic abuse, helping them to meet their duty of care to their employees. 

We also provide Domestic Abuse Awareness Training which aims to equip businesses and organisations with the knowledge and ability to spot the signs of domestic abuse, whilst also being able to signpost employees or clients to access support. 

This provides a great platform for your business to understand domestic abuse, the impacts that it is having on your organisation, and the role that you can play in tackling it.

To find out more about how Leeway can support your business, email training@leewaynwa.org.uk or visit our website www.leewaysupport.org/training.

We are also running a free Domestic Abuse Training taster session exclusively for Norfolk Chambers of Commerce members! For more information about this or to book your place click here. 

For many homeowners over the age of 55, your home is your most valuable asset. In retirement, as budgets tighten and new expenses arise, the idea of unlocking the wealth tied up in your property can be a compelling one.

Whether it’s to fund a dream holiday, make essential home improvements, pay off existing debts, or provide a financial gift to loved ones, the equity in your home can offer a solution.

Brancaster House Launches New Equity Release Guide

However, the world of equity release is shrouded in misconceptions and complex jargon. It’s a topic that can feel daunting, and with so many myths floating around, it’s difficult to know who to trust.

At Brancaster House Financial Planning, we believe that making an informed decision is the only way forward. That’s why we are incredibly proud to announce the launch of our new, comprehensive Equity Release Guide. Designed to empower you with clarity and confidence, this guide is your first step toward understanding one of the most significant financial decisions you may ever make.

What is Equity Release, Really?

At its simplest, equity release is a way for homeowners aged 55 and over to access the tax-free cash tied up in their home without having to move. You continue to live in and own your home, but a portion of its value is released for you to use.

The two most common types of equity release are:

• Lifetime Mortgages: This is the most popular option. You take out a loan secured against your home. You don’t make any monthly repayments unless you choose to; instead, the interest rolls up and is paid back, along with the loan, from the sale of your property when you pass away or move into long-term care.

• Home Reversion Plans: You sell all or part of your property to a provider in exchange for a tax-free lump sum. You retain the right to live in your home rent-free for the rest of your life. When the property is sold, the provider takes their agreed-upon share.

This brief overview is just the start. The real value lies in understanding the finer details, which is exactly what our new guide is for.

Addressing the Elephant in the Room: The Common Fears

When we speak to clients, we hear the same questions and concerns time and time again. The myths around equity release can be powerful, often preventing people from even considering a solution that could be perfect for them. Our new guide directly addresses these head-on.

Myth 1: “Will I lose my home?”

The most common and understandable fear. With a plan that adheres to the standards of the Equity Release Council – a crucial standard that we, as independent advisors, always adhere to—you are guaranteed the right to live in your home for life or until you move into long-term care. You remain the legal owner of your property.

Myth 2: “Will it leave my family with a debt?”

This fear is rooted in outdated plans from the past. Modern, reputable plans come with a “No Negative Equity Guarantee.” This means that no matter what happens to house prices, the amount to be repaid will never be more than the value of your home when it is sold. Your family will never be left with a debt.

Myth 3: “Is it a last resort for when I have no other options?”

Absolutely not. While it can be a solution for those who have exhausted other avenues, more and more people are using equity release as a proactive financial tool. It’s a way to plan for your future, enjoy your retirement years, and help your family when they need it most.

Why We Created This Guide

Our mission at Brancaster House is to provide independent, clear, and honest financial advice. We recognised a significant knowledge gap in the public understanding of equity release. There is a lot of information out there, but very little of it is truly unbiased and easy to understand.

Inside, you will find:

• A simple explanation of what equity release is and how it works.

• A clear comparison of Lifetime Mortgages and Home Reversion plans, helping you understand the pros and cons of each.

• An essential checklist of key questions to ask a provider and an adviser.

• Real-world case studies that show how different people have used equity release to achieve their goals.

• A glossary to demystify all the financial terms.

We firmly believe that by giving you this information upfront, you will be in a much stronger position to decide if equity release is right for you. It allows you to explore the topic at your own pace, in the comfort of your own home, before you even consider speaking to an adviser.

The Brancaster House Difference

Downloading our guide is the first step, but it is not the last. While the guide will provide you with a wealth of information, the most important part of any financial decision is a personalised conversation with a qualified, independent advisor.

At Brancaster House, we don’t believe in a one-size-fits-all approach. When you come to us, we will look at your entire financial situation. We will explore every option available to you, from downsizing to using other savings, before we even recommend an equity release plan.

If it’s not the right solution for you, we will tell you. Our independence means we are committed to finding the best possible solution for your unique needs, even if that means advising against equity release.

Ready to Find Your Clarity?

Don’t let confusion or fear hold you back from exploring your financial options. Your home has worked hard for you over the years, and it’s time to understand how it can continue to support you in your retirement.

Our new free guide is the perfect starting point. It provides the knowledge you need to make an informed decision and gives you the confidence to ask the right questions.

Click here to download your free Equity Release guide now and take the first step toward financial peace of mind.

Great Gatsby Christmas Party Nights

This December, experience the glitz and glamour of the Roaring ’20s at Carrow Road’s Great Gatsby Christmas Party Nights.

Fancy dress encouraged!

What’s included:

• A drink on arrival to begin the evening

• Two-course buffet

• Entertainment and dancing until the early hours to our resident DJ

Timings:

• 7pm – Arrival

• 7.45pm – Buffet served

• 1am – Evening to end (approx.)

Venue:

Gunn Club, Barclay Stand, Carrow Road

You can reserve your date now with full payment by contacting us on 01603 218724 and speaking to our special events team.

Please note bookings can be provisionally held for two weeks. Full payment is required to secure a booking, with no deposits being taken.

Dates available for 2025: Thursday 4th & 18th, Friday 5th & 19th and Saturday 20th December

Tickets are priced at £48.00 per person.

Over 18s only

You’ve got a list of emails… but when’s the last time you actually used it?

Your past clients, enquiries, and subscribers are warm leads, people who already know your brand.

Yet for most businesses, that list just collects dust while competitors show up in inboxes weekly, building trust and making sales.

Every week you don’t send an email is a missed opportunity.

We had to pleasure of attending FWD: London this month, Mailchimp’s biggest conference, and one thing’s clear: email marketing is still one of the most effective ways to grow your business without spending a penny on ads.

We create email campaigns that:

– Build relationships and drive repeat sales

– Speak to the right people at the right time (segmented and personalised)

– Look slick and on-brand

– Include welcome and sales sequences that run while you sleep

– Actually get opened (and clicked)

Ready to stop ghosting your audience and start seeing results?

Get in touch for a free chat.

We’re excited to share that YALM has been nominated for Best Food Hall in the UK 2025 at the British Street Food Awards and voting is now open.

This nomination is more than a recognition of food, it’s about celebrating culture, connection, and a sense of place. Each vote is a show of support for Norwich’s thriving indie food scene.

How to support:

Cast your vote here

Profit & Delight Studio has completed a presentation project that epitomises the unique opportunities Norfolk offers for contemporary developments based on its 1000-year heritage.  

Principal Arthur Meek led the process to help The Community of Our Lady of Walsingham reshape their approach to a major international fundraising campaign to establish a presence in the heart of Little Walsingham, and expand their nearby spiritual retreat and formation center in Dereham. 

Little Walsingham has been “England’s Nazareth” – its premier pilgrimage destination – for over 1000 years. Renowned across Europe, it attracted royalty and commoners alike until its suppression during the Reformation. Today it remains a significant destination for pilgrimage and tourism, drawing 350,000 visitors annually to Norfolk.

The Community of Our Lady of Walsingham, established in 2004, transforms thousands of lives each year through an authentic spiritual accompaniment practice, rooted in tradition, that includes group and hermitage retreats. Demand has grown along with its reputation. The Mission Hub development and Formation House expansion will boost retreat attendance from 132 to 500-1,000 young people annually, and double its capacity for hermitage retreatants to 150+. 

The dual-site expansion helps strengthen Walsingham’s position as England’s premier spiritual center. The campaign has already attracted more than 440 donors who have contributed over £540,000. Members of COWL head to the US in the coming weeks with materials developed by Norwich-based Profit & Delight Studio.

Arthur Meek of Profit & Delight Studio notes: “Norfolk’s wind creates opportunities for energy infrastructure developments, and our thousand-year spiritual heritage creates unique development opportunities that are recognised by different kinds of investors!”

If you’re developing places and spaces that make Norfolk an even better place to live – get in touch with Arthur at Profit & Delight Studio. He’ll help you get to the heart of your story, in your voice for the stakeholders that matter to you. 

Should I Be a Sole Trader or Limited Company?

If you’re self-employed (or thinking of starting), one of the key questions is: should I stay as a sole trader or incorporate as a limited company? There’s no one-size-fits-all answer, but there are some common signs that it might be time to consider making the switch.

Below are the pros and cons of each, and the key factors to watch out for.

What’s the difference?

• As a sole trader, you and your business are legally the same. You report your profits on your personal Self Assessment tax return, pay income tax and National Insurance, and you take full responsibility (and risk) for any debts or liabilities the business runs. 

• A limited company (Ltd) is a separate legal entity. The company itself owns its assets, enters into contracts, and takes on liabilities. As a director/shareholder, you can pay yourself via salary and/or dividends, and your personal liability is limited in most circumstances.

When might switching make sense?

Here are some of the main factors to consider when deciding whether to remain a sole trader or move to a limited company structure:

1. Tax efficiency

• Limited companies pay Corporation Tax on their profits, which is often lower than higher-rate income tax. 

• As a director/shareholder, you can take a small salary (within your personal allowance) and then take additional income via dividends, which can be taxed more efficiently. 

• But, this tax advantage tends to materialise once profits rise to a certain level; for smaller businesses, the extra admin costs might outweigh the savings. 

2. Liability protection

• As a sole trader, you are personally liable for all business debts. That means personal assets (like your home, savings) could be at risk if things go wrong. 

• Incorporating gives you limited liability, meaning your personal exposure is typically only up to the amount invested in the company (or the unpaid portion of share capital), although directors still have duties and potential personal risk in certain situations (e.g. wrongful trading).

3. Growth, investment & credibility

• If you’re planning to grow, bring on investors or partners, or sell/share ownership of the business, a limited company structure tends to be more suitable: you can issue shares, accept investment more easily, and transfer ownership more cleanly.

• Some clients or suppliers may view a limited company as more ‘professional’ or credible.

• Also, a limited company can continue even if the ownership changes (e.g. you sell it or step away), whereas a sole trader business is more tied to the individual.

4. Administrative burden & costs

• Operating as a limited company comes with more compliance: registering at Companies House, filing annual accounts, filing a confirmation statement, a company tax return, maintaining more detailed records, and possibly needing a business bank account and more formal bookkeeping.

• There’s also potential cost in accountancy fees, filing costs, and perhaps formation fees (though forming a company in the UK is relatively inexpensive).

• If your income is modest or your expenses minimal, the administrative overhead may not be worth it.

5. Cashflow & profits retention flexibility

• A limited company allows you to leave profits in the business as retained earnings. You don’t have to draw them out immediately, which can help with reinvestment or smoother cash flow.

• Dividends do not incur National Insurance contributions, which can make taking income more tax-efficient.

• On the flip side, extracting money from a limited company in a tax-efficient way requires planning (salary vs dividend vs retained earnings) and sometimes more careful bookkeeping and advice.

When might now be the right time to switch?

Here are a few practical signs that suggest incorporation may be worth considering:

1. Your trading profit is consistently high (for example, above £35–40K, and rising). Once you cross a certain profit threshold, the tax savings from corporation tax & dividends can outweigh the extra cost and admin.

2. You want to reinvest profits back into the business rather than draw them all out.

3. You’re hiring employees or subcontractors, or starting to take on more risk or contracts with liabilities, limited liability provides extra protection.

4. You’re planning to grow, bring in partners/investors, or you might want to sell the business down the line.

5. Your clients or suppliers expect or prefer dealing with a limited company (for credibility, contracts, or procurement reasons).

6. You’re becoming more comfortable with bookkeeping / administrative work (or are willing to pay for bookkeeping/accounting support).

What to watch out for

• Incorporating too early can actually reduce your net income if administrative costs and accounting fees eat into the tax benefit.

• Directors must take care to follow their legal obligations e.g. filing deadlines with Companies House, maintaining proper records, and ensuring timely Corporation Tax registrations and payments.

• If you’re not drawing a lot of profit, or if your business is very simple (low cost, one-person, low risk), staying as a sole trader may remain the most hassle-free and cost-effective route.

• There can also be additional scrutiny (for example, on dividends or salary splits), so you’ll want to ensure your accounting is clean and above board.

If you’re just starting out, or your profits are modest and stable, the simplicity of being a sole trader can be very appealing: minimal paperwork, low cost, and full control.

But as your business grows, takes on risk, hires people, or you want more tax efficiency and flexibility, switching to a limited company is definitely worth considering. The decision really comes down to a trade-off between additional admin cost vs potential tax and liability benefits.

Jennison Accounting can help you model the numbers for your particular business. We can run a side-by-side comparison of your current sole trader profit, projected growth, and estimated tax/admin costs to see when the break-even point is.

What has happened?

In July 2025,  IEMA became ISEP (The Institute of Sustainability and Environmental Professionals).

What is ISEP?

ISEP is the global membership body that sets the standard in sustainability knowledge, skills and practice.

Whether sustainability is at the heart of what you do, an essential element or you just want to support change, ISEP training provides learners with the knowledge, skills, and confidence to make a positive impact on business, society and the environment – backed by globally recognised standards, resources and professional networks.

Jarrold Training is proud and excited to be part of this new chapter as we partner with ISEP in equipping sustainability and environmental professionals for the present…and the future.

Why is ISEP important?

Climate change and environmental breakdown are the biggest risks facing business and society. There is urgent need to upskill the global workforce to deliver practical and achievable solutions to the unfolding environmental crisis.

How will the change from IEMA to ISEP affect learners?

The names of ISEP training courses will be slightly different to reflect the new brand, however the content, syllabus and learning outcomes will not change:

IEMA Foundation Certificate in Environmental Management (AIEMA) becomes: ISEP Foundation Certificate in Sustainability & Environmental Management (AISEP)

IEMA Certificate in Environmental Management (PIEMA) becomes: ISEP Certificate in Sustainability & Environmental Management (PISEP)

The other main change will be the switch to the new post-nominals/suffix for learners that qualify for membership.

The new ISEP suffixes will undergo a simple transition from IEMA to ISEP, with some variations.

• AISEP – Associate
• PISEP – Practitioner
• MISEP – Full

 Next course dates

ISEP Foundation Certificate in Sustainability & Environmental Management (AISEP) Starts 17 September 2025

NEW COURSE OFFERING!

ISEP Certificate in Sustainability & Environmental Management (PISEP)Starts 3 November 2025

Jarrold Training are excited to announce a brand new course offering:

The ISEP Certificate in Sustainability & Environmental Management (PISEP) – scheduled for November 2025!

ISEP (The Institute of Sustainability and Environmental Professionals) – formerly known as IEMA – is the global membership and training body which sets the benchmark for sustainability and environmental professionals – transforming the world today for a sustainable future.

No matter what sector you work in, this course will equip you with the required detailed knowledge of environmental / sustainability principles, management tools and skills to effectively implement positive change.

As the only ISEP centre in Norfolk to deliver the course in the classroom, we are delighted to have achieved this course accreditation during such a pivotal time, as ISEP empowers their members to become global innovators and leaders.

Our first cohort begins on 3rd November, and places are already filling for this vital qualification, which is delivered over a three week period.

If you wish to book on or require any further information please visit our website: https://www.jarroldtraining.co.uk/course/isep-certificate-in-sustainability-environmental-management-pisep/
call: 01603 677107 or email: bookings@jarroldtraining.co.uk

We look forward to welcoming you on your journey to becoming an Environmental and Sustainability changemaker

This course is also eligible for ELCAS funding.

Hey everyone, I have recently joined the Norfolk Chamber and wanted to briefly introduce myself. 

I am Zivile, trading as CMZ-HR Independent HR Consultant and Training Provider based in Thetford, Norfolk. 

I offer HR consultancy services as well as training/coaching for SMEs and private clients. 

Please check my website for upcoming training courses near you (e.g. Sexual Harassment Prevention Training) or book your free initial consultation to discuss how I could support you and/or your business.

The Baton of Hope, the UK’s largest-ever suicide prevention initiative, is set to arrive in Norwich on Wednesday 17th September, as part of its nationwide tour raising awareness and inspiring action around suicide prevention.In the lead-up to this landmark event, on  World Suicide Prevention Day (Wednesday 10th September),  Baton of Hope Norwich is calling on local businesses and organisations of all sizes to show their support by signing the Baton of Hope UK Workplace Pledge – a vital step in making suicide prevention a priority in every workplace.With over 700,000 lives lost to suicide globally each year and more than 6,000 in the UK, the need for bold, proactive action has never been more urgent. In the UK alone, poor mental health accounts for over 17 million lost working days annually, costing employers approximately £56 billion.In Norfolk alone there are over 90 deaths to suicide each year, each one impacting around 165 individuals, that’s over 15,000 people – families, friends, workplaces and local communities that will be grieving each loss.The Workplace Pledge encourages organisations to:

• Eradicate stigma around mental health in the workplace
• Raise awareness of suicide and prevention measures
• Promote open dialogue and support among staff
• Make suicide prevention a key workplace priority

“We’re calling on businesses of all sizes to stand with us and take the pledge—because the conversation around suicide and mental health can’t wait,” said Anna McNeil,  Project Lead for Baton of Hope Norwich. “This is YOUR chance to make real change: to break the stigma, to listen with compassion, and to build workplaces where people feel safe, seen, and supported.   By committing to this pledge, organisations are investing in a healthier, more inclusive culture—one that values mental wellbeing, reduces absenteeism, and builds stronger, more compassionate teams.”Take the Pledge TodayLocal employers can register their interest and join the movement at:

👉 https://batonofhopeuk.org/workplace-pledge/register-interest-workplace-pledgeAny local businesses who would like to find out more are invited to email bohnorwich@norwichsams.org.uk for an invite to the Closing Ceremony event taking place in the evening of the 17th SeptemberLet’s stand together, make mental health a workplace priority, and help save lives.