29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Ludlow
Specialist accounting support for doctors working in and around Ludlow. Whether you are a GP, hospital doctor, consultant, locum or private practitioner, CruseBurke helps you make sense of Self Assessment, NHS and private income, bookkeeping and tax compliance so your financial affairs stay organised and you can focus on patient care.
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Which Doctors Do We Support?
Doctors rarely fit into a single financial mould, and the accounting support that suits one clinician may be quite different for another. We work with GPs in practice partnerships and salaried roles, hospital doctors and consultants on NHS contracts with additional private work, locum doctors moving between assignments, and private practitioners running their own clinics or consulting businesses. We also support doctors who combine several streams of medical income at once, for example NHS employment alongside private consultations, or a mix of salaried work, locum shifts and medico-legal work. Accounting needs can differ depending on whether income arrives through PAYE, self-employment or a limited company, whether you are part of a partnership or practice, and how expenses such as medical indemnity, professional subscriptions and training are treated. Because tax treatment depends on your individual circumstances, employment status and income sources, we take time to understand how you actually work before recommending an approach.
GPs
Accounting and tax support for GPs with NHS income, private work, practice interests or additional professional earnings.
Hospital Doctors
Support with Self Assessment, professional expenses and tax matters alongside employment income and other professional earnings.
Consultants
Accounting support for consultants managing NHS employment, private practice income, professional expenses and tax obligations.
Locum Doctors
Support with Self Assessment, locum income, allowable expenses, bookkeeping and relevant business structure considerations.
Salaried Doctors
Tax and accounting support for salaried doctors with additional professional income or expenses requiring reporting.
Private Practitioners
Accounting support for doctors providing private medical services through individual practices, partnerships or companies.
Our Accounting Services for Doctors
Our accounting services for doctors are built around the way medical income tends to arrive: often from more than one source, sometimes across more than one tax structure, and frequently with expenses that need careful treatment. We can assist with Self Assessment tax returns covering NHS income, private medical fees, locum earnings, consultancy income and other professional income, alongside annual accounts, bookkeeping and management accounts where you run a practice, partnership or limited company. For incorporated doctors and private practitioners, we can help with Corporation Tax, payroll for practice staff or your own salary and dividends, VAT registration and returns where relevant, and financial reporting. We also advise on business structure — sole trader, partnership or limited company — and on partnership accounts where you share profits with other clinicians. Tax planning forms part of the picture too, including making the most of allowable professional expenses such as medical indemnity, professional subscriptions, training and professional development costs, equipment, and travel and mileage, along with pension considerations. Every recommendation is tailored to your circumstances, as the right approach depends on your income sources, contracts and personal financial position.
Self Assessment Tax Returns
Preparation and support for doctors with employment, locum, private practice or other taxable income.
NHS & Private Income
Help organising accounting records where income comes from NHS work, private services, locum assignments or other professional activities.
Accurate records built around the way GP practices, partnerships and locum doctors actually work, with cloud software set up for you.
Tax Planning for Doctors & Consultants
Incorporation reviews for private practice, profit extraction, capital allowances and timing of income to keep your effective tax rate down.
Locum Tax & IR35 Support
Contract and IR35 status reviews, limited company versus sole trader comparisons and expense claims for locums working across multiple trusts.
Common Accounting and Tax Challenges for Doctors
Doctors often carry complex financial lives alongside demanding clinical schedules, and that combination can create accounting and tax pressures that are easy to overlook. A few of the challenges we see include:
- Multiple income sources: combining NHS employment, private fees, locum shifts or consultancy income means more records to keep, more than one potential tax return entry point, and a greater risk of something being missed or double-counted.
- Self Assessment complexity: salaried income reported through PAYE is only one part of the picture, and additional sources such as private practice or locum work usually need to be reported and reconciled correctly.
- Allowable professional expenses: medical indemnity insurance, professional subscriptions, training and professional development, equipment and travel or mileage can all be relevant, but only where the expense meets the rules, so accurate classification matters.
- Record keeping and deadlines: irregular locum payments, private invoices and practice distributions can be hard to track, and poor record keeping makes filing deadlines far more stressful than they need to be.
- Pension considerations: annual allowance rules and contribution planning can be relevant for doctors with high or varied earnings, and the interaction with tax can become complicated across multiple income streams.
- Business structure decisions: whether to operate as a sole trader, within a partnership or through a limited company can affect tax, national insurance and administration, and the right answer depends on your circumstances.
- Partnership and practice finances: GPs and other doctors in partnerships need clear profit allocation, accurate practice accounts and transparent reporting between partners.
- VAT and payroll: private practice income may affect VAT registration, while employing staff, or paying yourself through a limited company, brings payroll obligations that need to be handled properly.
Why Doctors Choose CruseBurke
Doctors choose CruseBurke because they want an accountant who understands medical income rather than one who needs it explained from scratch. We take the time to map out how you earn — NHS pay, private fees, locum work, consultancy or a mixture — and then build the accounting and tax support around it. That means clear explanations in plain language, organised financial records, and proactive help with compliance so deadlines and reporting requirements are far less of a worry. We also recognise that doctors work in very different arrangements, from salaried hospital posts to partnerships and limited companies, and we tailor our advice accordingly rather than applying a one-size-fits-all approach. Whether you need help with Self Assessment, bookkeeping, annual accounts or tax planning, our aim is practical, dependable support that fits around your clinical commitments.
Healthcare Focus
We support GPs, locum doctors, consultants and other medical professionals with accounting and tax matters tailored to their individual circumstances.
Every Allowable Expense Claimed
GMC and indemnity fees, royal college subscriptions, exams, courses, equipment and mileage — nothing left on the table.
NHS Pension Specialists
We calculate your pension input amount, check tapering and advise on Scheme Pays before a charge becomes a problem.
IR35 & Locum Confidence
Status reviews on your engagements and a clear answer on limited company versus sole trader for your circumstances.
Deadlines Handled for You
Returns, accounts and payroll filed on time, with reminders well in advance so penalties never happen.
Fair, Fixed Fees
One agreed monthly fee, quoted up front, with no hourly billing and no surprise invoices.
Our Simple 3-Step Process
Getting the right accounting support in place does not have to be complicated. First, we start with a conversation to understand your circumstances — your employment arrangements, income sources such as NHS work, private practice, locum shifts or consultancy income, and any business structures involved. Second, we review your accounting and tax requirements, looking at what you currently have in place, where records could be improved and which compliance obligations apply to you. Third, we put the appropriate support in place, from bookkeeping, Self Assessment and annual accounts to payroll, VAT and tax planning, with a clear view of what happens and when. You will know who to speak to, what information we need and how your accounts and returns will be managed going forward.
1. Initial Consultation (It’s Free):
We begin by getting to know your practice and understanding your unique needs. This step ensures we have a clear picture of your operations and your goals.
2. Customised Plan:
Based on our initial discussion, we create a personalised plan designed specifically for you. The aim is to keep everything organised and easy to follow. You can rest assured that your numbers are being handled with expert precision.
3. Ongoing Support & Updates:
From there, we take care of the ongoing work and keep you updated with reports. You’ll always know what’s happening, and we’re always here to answer your questions, ensuring you have a clear picture of your financial health at all times.
What Makes CruseBurke Different for Doctors
What sets CruseBurke apart is the way we translate medical income streams into a coherent accounting framework. Rather than treating each tax return in isolation, we look at the whole picture: NHS employment alongside private fees, locum income earned through agencies or directly, consultancy arrangements, and the practical realities of running a practice or partnership. That wider view shapes how we handle bookkeeping, Self Assessment, allowable professional expenses such as medical indemnity and professional subscriptions, and structural questions around sole trader, partnership or limited company operation. We also focus on making sure the technical side is properly organised, so annual accounts, Corporation Tax, payroll and VAT are dealt with accurately and on time. The result is accounting support that is specialist, clear and genuinely useful for doctors with a range of professional and financial circumstances.
Technology Driven
We use Xero, Quickbooks, Sage & many other online software.
Dedicated Medical Accountant
Meet, call or email the same qualified accountant who knows your practice and your pension position.
Unlimited Support
Free telephone & email support
throughout the year.
Experienced Team
Our team have over 100 years of combined experienced.
Free - Email Reminders
Never Miss any deadline with our automated email reminders.
Yes, We Are Chartered!
We’re an ICAEW, ACCA & AAT accredited Firm.
How to Switch to Our Doctor Accountants
Take a back seat and let our specialist healthcare accountants handle everything. Switching part way through the year is straightforward and you never need to speak to your old accountant:
Get in touch
Reach out to us, and we’ll discuss your needs and how we can help your healthcare practice thrive.
Letter of Engagement
We’ll send over a simple letter to formalise our partnership and get everything in motion.
Previous Accountants
If you're switching, we’ll take care of contacting your previous accountants to make the transition smooth.
We Do the Rest
From there, sit back and relax. We’ll manage your accounts, taxes, and everything in between, keeping your practice running smoothly.
FAQs
It depends on your circumstances. If you are a salaried doctor with only PAYE income and no additional work, your tax affairs may be relatively straightforward, although you might still want advice on allowances, expenses or pension considerations. However, if you have private practice income, locum earnings, consultancy work, partnership profits, or a limited company, an accountant can help ensure everything is reported correctly and that allowable expenses are not overlooked. As a doctor's income sources grow, so does the value of specialist accounting support.
Many doctors do need to file a Self Assessment return, but it is not automatic for everyone. Salaried doctors whose tax is fully handled through PAYE may not need to file, while those with private medical income, locum income, consultancy fees, untaxed savings or partnership profits generally will. HMRC can also require a return in other situations. The safest approach is to review your individual position with an accountant who understands medical income.
NHS employment income is usually taxed through PAYE, with tax deducted at source. Private medical income, locum earnings and consultancy fees are typically taxed differently, often through Self Assessment after allowable expenses are deducted. Where a doctor has both, the two need to be brought together correctly on the tax return so that the right amount of tax is paid and any PAYE already deducted is properly accounted for.
Common examples include medical indemnity insurance, professional subscriptions such as those relating to your registration or specialist bodies, training and professional development costs relevant to your current work, equipment used professionally, and business travel or mileage where you work across sites. There are also costs that may not qualify, and treatment can depend on whether you are employed, self-employed or operating through a company, so it is worth checking before assuming an expense can be claimed.
Locum work often means several different payers, variable income and expenses such as travel and indemnity cover spread across assignments. It is important to keep records of each engagement, understand whether you are engaged as self-employed, and make sure all income is captured for Self Assessment. Because income can be irregular, keeping a clear record of what has been earned and what has been spent helps avoid last-minute scrambling ahead of filing deadlines.
Not necessarily. Whether a limited company is beneficial depends on your level of private or consultancy income, your NHS position, how profits are to be drawn, pension implications and your personal circumstances. Incorporation can offer advantages in some situations, but it also brings extra administration such as payroll, Corporation Tax and statutory accounts. A review of your numbers and objectives is the sensible starting point before making a change.
Yes. Modern accounting is well suited to remote working, with documents shared securely and meetings held by phone or video call. Many doctors find this fits more easily around clinical rotas and commitments. You can also bring your records in for review if you prefer a face-to-face discussion. Whatever the format, the same attention goes into your accounts, tax returns and compliance.
Changing accountants is usually straightforward. We start by understanding your current arrangements and the income streams involved, then we contact your existing accountant to request professional clearance and the relevant records. From there we review what has been filed, identify anything outstanding and put a plan in place for your accounts, Self Assessment returns and any other obligations. You do not need to wait until the end of a tax year to make the move.
Speak to an Expert
Take the Stress Out of Medical Tax Returns with Accountants for Doctors in Ludlow
Juggling NHS pay, private fees, locum income and Self Assessment deadlines leaves little room for error, and lost receipts or missed claims can cost you more than they should. CruseBurke provides specialist accounting support for doctors, covering Self Assessment, bookkeeping and tax planning that accounts for medical indemnity, professional subscriptions and other relevant costs. If your financial records are getting harder to manage alongside your clinical work, get in touch to talk through your situation and find out how straightforward specialist support can be.