Business Details
Your Trusted Chartered Accountants Since 1884
Saint & Co & Co has been an integral part of the community since 1884, providing tailored accounting and advisory services to businesses and individuals. Our approach prioritises long-term partnerships built on trust, transparency, and a deep understanding of clients' personal and professional goals. With 10 offices across Cumbria and South West Scotland, we combine local expertise with a team of over 100 professionals, including 9 partners, to deliver comprehensive financial solutions. Our services span tax planning, business advisory, cloud accounting, and specialist support for sectors like farming, charities, and academies.We pride ourselves on offering clear, honest reporting and 24/7 accessibility, ensuring clients always receive timely, relevant advice. Our commitment to continuous improvement is reflected in our adoption of cutting-edge technology like Xero, while maintaining the personal touch that has defined our century-long legacy. We measure success not just by financial metrics but by the lasting relationships we cultivate with clients, many of whom have worked with us for decades.
Services
Tax Planning
Payroll Services
Audit Services
Cloud Accounting
Business Advisory
VAT Returns
Management Accounts
Charity Accounting
Farm Accounting
Xero Implementation
Highlights and features
- We offer transparent pricing with no hidden fees
- Our team includes 9 partners with 15+ years average tenure
- Specialist knowledge in farming, charity, and academy sectors
- Certified Xero partners with cloud accounting expertise
- Personalised service from locally-based accountants
Associations and certifications
- Xero Certified Partner
What people say
Highly professional
Extremely helpful
Fast and efficient
Personalised service
Expert tax advice
Services
Tax Planning
Our specialist tax team helps businesses and individuals minimise liabilities while maintaining full compliance. We focus on inheritance tax, capital gains tax, and R&D tax credits, tailoring strategies to clients' specific circumstances. With proactive planning and expert guidance, we ensure clients maximise available reliefs while maintaining HMRC compliance.
Cloud Accounting
We implement and support cloud accounting solutions using Xero, enabling real-time financial management. Our services include system migration, training, and integration with business tools. This digital approach improves efficiency, provides instant access to financial data, and streamlines accounting processes for businesses of all sizes.
Payroll Services
We offer comprehensive payroll outsourcing, handling all aspects from salary calculations to pension auto-enrolment. Our services ensure compliance with changing legislation while saving businesses time. We manage payroll processing for multiple businesses simultaneously, maintaining accuracy and meeting all regulatory requirements.
Audit Services
We provide audit and assurance services for businesses requiring statutory or internal audits. Our team ensures compliance with regulatory standards while offering practical business advice. We specialise in academy audits and support organisations through the audit process with minimal disruption to operations.
Business Advisory
Our advisory services focus on helping businesses grow through strategic planning and financial analysis. We assist with business succession planning, mergers and acquisitions, and cashflow forecasting. Our local expertise helps businesses navigate challenges and capitalise on growth opportunities.
People
Lindsay Farrer
Partner
FCA and FABRP qualified partner with 25+ years' experience in business advisory and insolvency services. Specialises in business sales and purchases, with expertise in tax-efficient exit strategies. Leads the firm's insolvency practice while maintaining a broad client portfolio.
Michelle Ruddick
Senior Manager
FCA qualified senior manager with 20+ years' experience in accounting and tax services. Specialises in Xero implementation and training, supporting businesses with digital transformation. Oversees office workflow and provides strategic financial advice to diverse clients.
Clare Garrison
Senior Manager
ACA qualified senior manager specialising in charity and academy audits. With 15+ years' experience, she ensures clients meet statutory requirements while providing practical business advice. Focuses on internal controls and financial reporting for educational institutions.
Will Robinson
Agricultural Adviser
Account manager with 25+ years' experience advising agricultural businesses. Specialises in farm accounting and business efficiency improvements. Provides sector-specific financial guidance to help rural businesses grow and remain profitable.
Helen Wale
Xero Champion
Certified Xero advisor with 15+ years' experience implementing cloud accounting solutions. Specialises in helping small businesses transition to digital accounting systems. Provides hands-on support to improve clients' financial management processes.
Questions
What accounting software do you specialise in?
We are certified Xero partners with extensive experience implementing and optimising cloud accounting solutions for businesses of all sizes.
Do you offer tax planning services?
Yes, our specialist tax team provides comprehensive planning services including inheritance tax, capital gains tax, and R&D tax credits.
How do you support farming businesses?
Our agricultural specialists offer tailored accounting and tax advice to help farming businesses improve efficiency and profitability.
Can you help with charity accounting?
We provide specialist accounting services for charities, including grant application support and compliance with OSCR requirements.
What payroll services do you offer?
We provide full payroll outsourcing services including auto-enrolment pension compliance and real-time reporting.
Reviews (7)
Richard Dixon
Jun 19, 2020
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For many many years Saint and Co have audited the books for The Twelve Men of Wreay in an exemplary manner. We are a small but registered charity and so have to be audited for the Charities Commission. Saints have never made a charge for their service which is very much appreciated by us. Highly recommend them!
Denise Nicol
Jun 16, 2020
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We have employed Saint & Co, Carlisle as our accountants for over 40 years and cannot fault their services. All the staff are professional, friendly and helpful. We would highly recommend them.
Border City Autos
May 10, 2020
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We have employed Saint & Co's services for many years and their staff have always been professional, knowledgeable and efficient, while offering a friendly, approachable and supportive role, when required. Highly recommend.
Neil Monkhouse
Mar 25, 2020
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We have used Saint & Co for over 20 years now and always found them to be professional, helpful and thorough in all aspects of business. They have helped us set up a new accounts system and there is always someone friendly and approachable either in the office or on the phone for assistance and guidance. I would highly recommend.
Pete Denston
Mar 15, 2020
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I have been working with Saints & Co for just over 7 years. They have helped me plan for purchases of a businesses and handled all our accountancy needs from budgets, annual accounts, personal tax, payroll, pensions and xero accountancy packages. All the staff that I have dealt with at Saints have been brilliant and extremely helpful when ever I have needed their assistance. Thank you again everyone. Pete
John Stashkiw
Mar 11, 2020
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We have been using Saint & Co for over 30 years, they have always given us great professional advice on all areas of our business. They give excellent customer service and have become a fantastic business partner.
John Parkinson
Mar 05, 2020
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Saint & Co have looked after lambert-gill ltd for the last 30 years and throughout that time they have provided us with a service that his been second to none. They have steered us through difficult times and we now find ourselves going from strength to strength in no small part due to their expertise and advice over the years.
