29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Macmerry
Specialist accounting support built around the way doctors actually earn. Whether your income comes from an NHS salary, private consultations, locum shifts or a mix of all three, our accountants for doctors in Macmerry help you keep accurate records, meet your Self Assessment obligations and understand the tax position behind every source of income. From bookkeeping and expense claims through to tax planning and year-end accounts, we make the numbers clear so you can focus on your patients.
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Which Doctors Do We Support?
Accounting needs in medicine differ enormously from one doctor to the next, and the right approach depends on how you are paid, how you are structured, and how many income streams you are juggling. We support GPs, hospital doctors and consultants on salaried contracts, locum doctors working through agencies or directly with practices, and private practitioners running their own clinics. We also work with doctors who combine NHS employment with private or medico-legal income, and with those who are partners in a practice, directors of their own limited company, or sole traders building a private practice alongside a substantive post. A consultant with a small private caseload faces a very different set of questions to a full-time locum, and a GP partner’s accounts raise issues that a salaried trainee will never encounter. That is why we start by understanding your individual circumstances — employment status, income sources, business structure and professional commitments — before recommending any accounting or tax treatment.
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.
Accounting and Tax Services for Doctors in Macmerry
Our work for doctors is centred on getting the detail right and keeping it that way throughout the year, rather than scrambling to gather information once a filing deadline appears. That includes preparation and filing of Self Assessment tax returns where you have NHS and private income, locum earnings, consultancy fees or other untaxed income, alongside annual accounts for doctors who trade, practise or operate through a limited company. We handle bookkeeping and record-keeping support so income and expenses are captured accurately and consistently, plus payroll for practice staff or for a limited company paying a director, and VAT registration, returns and advice where turnover or activities bring you within the scope of VAT. Where you operate through a company, we prepare statutory accounts and deal with Corporation Tax, and where you are in partnership, we prepare partnership accounts and allocate profits correctly between partners. Management accounts, financial reporting and business structure advice help you see how the practice or consultancy is performing and whether your current arrangement still suits your circumstances, while forward-looking tax planning considers allowable professional expenses, pension contributions and the timing of income. Every service is matched to your situation — nothing is added simply because it appears on a standard list.
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.
Accounting and Tax Challenges Doctors Commonly Face
Medical careers rarely produce a single, simple payslip. The combination of employment, self-employment and practice income creates tax questions that reward careful, specialist attention.
- Blending NHS and private income. Salaried NHS pay is taxed through PAYE, while private fees and locum earnings usually need to be reported through Self Assessment. Getting both sides right matters, because an incorrect return can lead to an unexpected tax bill or an unnecessary overpayment.
- Irregular and multiple income streams. Locum shifts, private clinics and consultancy sessions rarely arrive on a predictable monthly schedule, which makes cash flow planning, provisional tax payments and forecasting genuinely harder than for someone on a fixed salary.
- Claiming the right professional expenses. Medical indemnity, registration and specialty fees, professional subscriptions and mandatory training can be allowable, but only where the rules are satisfied and the records support the claim. Claiming too little costs you money; claiming incorrectly creates risk.
- Travel, mileage and equipment. Deciding how journeys between sites, home working costs, laptops and clinical equipment should be treated often depends on the nature of the work and how the expense is incurred, so the answer is rarely identical for two doctors.
- Pension considerations. NHS pension contributions, additional voluntary contributions and private pension arrangements can all influence your tax position and the relief available, so they deserve proper attention rather than being left until the return is due.
- Record keeping and deadline pressure. Rotas, on-calls and clinic lists leave little time for receipts and spreadsheets, and gaps in the paperwork are exactly what weakens otherwise legitimate expense claims and complicates the preparation of accounts.
- Choosing the right business structure. Working as a sole trader, as a partner in a practice or through a limited company each carries different tax, reporting and administrative consequences, and the best fit can change as private or locum work grows.
- Practice and partnership finances. Doctors involved in a practice or partnership need shared income, drawings, overheads and profit shares accounted for clearly so that each partner understands their own position and their own tax liability.
Why Doctors Choose CruseBurke for Accounting Support
Doctors tend to come to us with the same underlying frustration: their finances have become more complicated than their current accountant seems equipped to handle. CruseBurke offers accounting and tax support grounded in an understanding of how medical income actually works — NHS salaries taxed under PAYE sitting alongside self-employed private fees, locum work paid through agencies, consultancy arrangements and practice profits. That understanding shapes everything from how we prepare your tax return to how we advise on professional expenses and pension contributions. Just as importantly, we communicate clearly. You will not receive jargon-heavy correspondence or vague reassurances; you will receive straightforward explanations of your position, your obligations and your options, delivered in plain English. We keep your records organised, monitor filing obligations so that deadlines do not creep up unnoticed, and adapt our support as your circumstances change — a move from training grade to consultant post, a decision to reduce NHS sessions, or the launch of a private practice. Whether you are a sole trader, a partner or a company director, our aim is dependable, practical accounting support that fits around clinical life rather than competing with it.
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 for New Doctor Clients
Getting the right accounting support in place should not feel like another administrative burden. The first step is a conversation about your circumstances: how you are employed, where your income comes from, whether that includes NHS pay, private fees, locum work, consultancy income or practice profits, and how your affairs are currently structured. The second step is a review of your accounting and tax requirements. We look at what you already have in place, identify anything that is missing or overdue, and consider areas such as Self Assessment, record keeping, expense claims, pension contributions and whether your present business structure remains appropriate. The third step is putting support in place: agreeing the services you actually need, establishing a straightforward way for records and information to reach us, and setting out a clear schedule for returns, accounts and ongoing advice. From there, your accounting runs on an organised footing, with someone available to answer questions as your working arrangements evolve.
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
The difference lies in treating doctors as a specialist client group rather than a general one. Medical finances involve a particular combination of PAYE income, self-employment, partnership profit shares and company structures, and each element interacts with the others at tax return time. We build your accounting around that reality, reconciling NHS pay and private earnings properly, reviewing allowable professional expenses such as indemnity cover, registration fees, subscriptions and training costs, and making sure your bookkeeping records are complete enough to support every figure we report. Where you operate through a limited company, we handle the statutory accounts, Corporation Tax and director payroll obligations; where you are in a partnership, we prepare the partnership accounts and explain how profits flow through to each partner. Where VAT applies to your activities, we manage registration and returns. Beyond compliance, we take an interest in the direction your career and practice are heading, because decisions about pensions, drawings, structure and the timing of income are easier to make when they are considered in advance rather than retrospectively. You get specialist attention, clear explanations and support that keeps pace with your 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
Not every doctor does, but the more complex your income becomes, the stronger the case. If you are salaried with no other income and your tax affairs are handled entirely through PAYE, your position may be relatively straightforward. Once private fees, locum work, consultancy income, practice profits or company dividends enter the picture, Self Assessment usually applies, and the way PAYE and self-employed income interact can produce unexpected tax bills or missed relief. An accountant helps you report everything correctly, claim the expenses you are entitled to, and plan ahead rather than reacting to a demand from HMRC.
Your NHS salary is taxed through PAYE, and any untaxed private or locum income is normally reported through Self Assessment. Because PAYE is calculated on your employment income alone, it will not account for your self-employed earnings, so the balancing calculation at the end of the year often results in additional tax to pay. Payments on account may also apply. We reconcile both income streams, confirm the expenses you can claim against private or locum work, and help you plan for the amounts falling due so that a filing deadline does not turn into a cash flow problem.
These are among the costs doctors ask about most often. Medical indemnity cover, professional body subscriptions and registration fees are commonly claimed, but whether an expense is allowable depends on the rules, how it relates to your work, and whether it is incurred wholly and exclusively for the purposes of your professional activity. Mandatory training generally stands on different ground to optional courses. The treatment can also differ depending on whether the cost relates to employment or self-employment. We review each item and explain what can be claimed and what cannot.
Locum work is typically treated as self-employment, which means registering with HMRC, keeping records of income and expenses, and reporting profits through Self Assessment. Many locums work through agencies, so it is worth checking whether deductions such as PAYE have already been made. Locum doctors usually have a clearer scope for claiming travel to assignments, equipment, indemnity cover, subscriptions and certain training costs than salaried colleagues, but this depends on the detail. We also help with cash flow planning, because irregular shift patterns and payments on account do not always sit comfortably together.
There is no single answer, because it depends on factors such as how much private income you earn, whether it is likely to grow, how you wish to draw money from the business, and your wider tax position including pension contributions. A limited company can offer flexibility in how income is taken and may suit larger or expanding practices, but it brings additional obligations including statutory accounts, Corporation Tax, payroll for directors, and potentially VAT. We look at your circumstances in detail and explain the tax, administrative and cost implications of each structure before you decide.
Yes. Doctors in partnership generally need partnership accounts prepared, along with the allocation of profits between partners and the associated Self Assessment filings for each individual. Practice finances can involve shared income, overheads, drawings and capital accounts, and each partner needs to understand how their own share is calculated and what tax follows from it. We prepare the accounts, explain the figures clearly to each partner, and help with the practical side of keeping records in a form that supports the year-end process.
We keep the process as light-touch as possible. The aim is to capture income and expenses as they happen, using a straightforward method for sharing records with us, so that nothing accumulates into a year-end pile of paperwork. Where you have several income sources, we keep them clearly separated so that each can be reported accurately. If you are behind on your records, we can help bring them up to date. Good bookkeeping ultimately protects your expense claims and makes everything from Self Assessment to annual accounts faster and more reliable.
Switching is usually more straightforward than doctors expect. We ask for details of your current position, contact your existing accountant to obtain professional clearance, and arrange for your records and prior accounts to be transferred across. Once everything is in place, we review your history, confirm the state of your filings, and set out how your accounting will be managed going forward. If you are partway through a tax year or a filing obligation is approaching, we will address that first so nothing is missed during the transition.
Speak to an Expert
Multiple Income Sources, One Clear Plan — Accountants for Doctors in Macmerry Who Understand Medical Finances
Juggling NHS pay, private fees, locum shifts and practice income across several tax years is exactly where things get missed, and where a late or inaccurate return becomes far more stressful than it needs to be. CruseBurke specialises in accounting for doctors, preparing Self Assessment returns that reconcile every source of income properly and reviewing the expenses you may be entitled to claim, from medical indemnity and professional subscriptions to travel, equipment and pension contributions. If you would like a clear picture of your tax position and help keeping your records in order, get in touch with our team and we will talk through your circumstances.