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HMRC published the 2026 valuation scales on 21 September.
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HMRC published the 2026 valuation scales on 21 September. The guidance states: “Find the 2026 valuation scales that the Valuation Office uses to value different parts of business properties depending on its floor level and how it’s used.” For SMEs in multi-storey or mixed-use premises, that is the line that matters.
This is a technical rating update, but the exposure is not broad. That matters now for occupiers. The tables value parts of a business property by floor level and use. That means occupiers spread across basement, ground, and upper floors need to read beyond the headline. So do firms operating mixed-use premises, where one address contains more than one type of occupied space. A premises move is not required for this to matter. A different split of occupied space within the same building can change the valuation approach.
We read this as a concentrated occupancy signal, not a whole-market reset. The businesses most exposed are those with vertically split premises or mixed-use layouts inside one assessment. For a creditor book, that can create uneven pressure. Two debtors on the same street can face different rating outcomes because their space configuration is different. In portfolio terms, that argues for segmentation by property type, not just sector or region. Exposure sits where occupation is structurally complex, rather than where the postcode alone looks risky. That is exactly the sort of cost variance that can weaken payment behaviour before it appears in filed accounts.
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If you supply SMEs in shops, workshops, offices, or hybrid premises, check whether rates assumptions still look current. Ask a simple question during reviews: which floors do you occupy, and has any area changed use since the last rating check? Do not treat this as a national cost move for every customer. Treat it as a targeted prompt to review debtors whose premises are structurally more complex. The next step is company-level evidence. A company-level evidence check on recoup-iq.tech helps you decide whether to revisit limits, terms, or monitoring before the next rates bill lands.
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