29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Marlow
Specialist accounting support for doctors in Marlow, built around the way you actually earn. Whether your income comes from NHS employment, private practice, locum shifts, consultancy work or a mix of all three, our accountants for doctors in Marlow help you keep accurate records, meet your Self Assessment and filing obligations, and understand the tax position behind every income stream — so your financial affairs stay organised alongside a demanding clinical career.
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Which Doctors Do We Support?
Medical careers rarely follow a single, tidy path, and the accounting work behind them rarely does either. We support GPs working in practices or as partners, hospital doctors and consultants, locum doctors moving between assignments, salaried doctors with straightforward PAYE income, private practitioners running their own clinics, and doctors who combine NHS work with private or medico-legal income. The way your tax position is treated depends on factors such as whether you are employed, self-employed or both, how your income sources are structured, whether you work alone or in a partnership, and whether you operate through a limited company. A salaried doctor with a single employer has different reporting needs from a consultant with private fees, pension contributions and a limited company, and a locum with irregular monthly earnings has different needs again. Our role is to look at your individual circumstances rather than apply a template, and to make sure the records, returns and structures behind your work fit what you actually do.
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
We provide accounting and tax services shaped around medical income and the practicalities of clinical work. For doctors with self-employment or untaxed income, that typically begins with Self Assessment — preparing and filing your return, identifying allowable professional expenses, and bringing together NHS income, private fees, locum earnings and consultancy income in one place. For doctors running a practice, partnership or limited company, we can handle annual accounts, bookkeeping, payroll, VAT where it applies, Corporation Tax and management accounts, as well as financial reporting that gives you a clearer view of how the business is performing. Beyond compliance, we can advise on business structure — whether sole trader, partnership or limited company suits your circumstances — and on tax planning around profit extraction, pension contributions and the timing of income and expenditure. If you employ staff, work with a practice manager, or take on associates, we can support the payroll and bookkeeping side so the administrative load does not fall on you. Where you have both employed and self-employed income, we look at the whole picture rather than each piece in isolation.
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 income is often varied, sometimes irregular, and frequently taxed through more than one route at once. These are some of the areas doctors tend to find most demanding.
- Multiple income sources arriving through different channels — NHS salary, private fees, locum timesheets, consultancy or medico-legal work — can each be taxed differently, and pulling them together accurately for Self Assessment is rarely as simple as adding up payslips.
- Knowing what counts as an allowable professional expense causes real uncertainty, particularly around medical indemnity cover, professional subscriptions, specialist equipment, conference fees and study costs, and whether a cost is genuinely incurred wholly and exclusively for the work.
- Record keeping becomes difficult when income arrives as invoices, self-billing arrangements, timesheets or ad hoc payments, and a weak paper trail can lead to missed expenses, overstated profits or an unnecessarily stressful enquiry.
- Pension considerations are a common source of confusion, because NHS pension arrangements, annual allowance questions and personal contributions interact with your taxable income in ways that are easy to misread.
- Choosing the right business structure matters if you are moving into private practice, taking on partners or setting up a company, since the tax and administrative consequences differ meaningfully between sole trader, partnership and limited company arrangements.
- VAT can be overlooked by doctors who assume it does not apply to them, yet private medical services, medi-legal work, aesthetics or equipment sales may bring VAT registration and record keeping into scope.
- Partnership and practice finances bring their own complexity, including profit shares, drawings, capital accounts, notional rent and how profits are allocated between partners.
- Diary pressure is a real risk: filing deadlines, payment on account dates and payroll obligations do not move because you are on a ward round or in theatre.
- Travel and mileage claims raise frequent questions for locums and doctors visiting multiple sites, where the distinction between ordinary commuting and business travel can significantly affect what can be claimed.
- Employment status is not always clear-cut, particularly for doctors offered work through agencies or on contracts that look self-employed in name but not necessarily in substance.
Why Doctors Choose CruseBurke for Accounting Support
Doctors tend to come to us for the same reasons: their financial affairs have outgrown a generalist approach, and they want someone who understands how medical income works rather than explaining it from scratch each year. We take the time to understand how you are paid, what you claim, what you contribute to pensions and how your work is structured, then build the accounting and tax side around it. That means clear communication in plain language, so you know what is due, why it is due and what it is based on, without needing to decode technical jargon. It means organised financial records, whether you hand over a folder of receipts and invoices or use accounting software we can help you set up. It means tax compliance handled properly and on time, so filings and payments do not become a source of anxiety. And it means advice that adapts as your career does — from salaried role to locum work, from single practice to partnership, from NHS-only income to a blend of private and medico-legal fees. You stay focused on patients; we take care of the numbers.
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 Getting Started
Getting the right accounting support in place should not add another complicated task to an already full schedule. Step one is a conversation about your circumstances: how you are employed, whether you have self-employed income, what your NHS, private, locum or consultancy earnings look like, and what is currently causing you concern. Step two is a review of your accounting and tax requirements, including previous returns, existing records, business structure, pension arrangements and any outstanding or upcoming filing obligations, so we can identify what needs attention and what can be improved. Step three is putting the right support in place — agreeing how we will work together, how records will be shared, what we will handle on your behalf and when, so that from that point onward your accounting and tax position is managed in an organised, predictable way.
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 our work apart for doctors is the ability to treat medical income as a whole rather than as unrelated fragments. We regularly deal with the practical detail behind a doctor’s tax position: reconciling NHS payslips with private fee income, sorting locum earnings that arrive from several sources, reviewing which professional expenses are genuinely allowable, handling medical indemnity and subscription claims correctly, and reporting everything accurately through Self Assessment or company accounts. We can work with sole traders, partnerships and limited companies, and we can support the bookkeeping, payroll, VAT and management reporting that sits behind a private practice. Where structure matters, we look at whether your current arrangement still suits you and explain the trade-offs in plain terms. Where pensions interact with your tax position, we factor that into the wider picture rather than treating it as a separate exercise. And because doctors’ working patterns vary so widely, we adapt the relationship — some clients want full support, others want help in specific areas.
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. A doctor with only salaried NHS income taxed through PAYE may have little to file, though higher-income individuals still need to consider whether a Self Assessment return is required. If you have private fees, locum work, consultancy or medico-legal income, or if you run a practice or company, the picture becomes considerably more involved. An accountant can help you claim the expenses you are entitled to, avoid common reporting errors, and keep on top of filing deadlines — but the value depends on your individual situation rather than your job title.
Your NHS salary is taxed through PAYE, but private fees, locum earnings and consultancy income are usually reported through Self Assessment. In practice this means bringing together your PAYE income as shown on your P60 and any other employment details, alongside your self-employed income and allowable expenses, then working out the tax due across the total. Payments on account can catch people out in the first year of private work, because the tax bill is collected in instalments based on the previous year's liability.
Commonly claimed items include medical indemnity cover, professional body subscriptions, required professional development and training, specialist equipment and books, and business travel that is not ordinary commuting. The key test is that a cost is incurred wholly and exclusively for the purposes of your work, and the answer can differ depending on whether you are employed, self-employed or both. Employment expenses are subject to stricter rules than self-employment costs, so it is worth checking your position rather than assuming a claim is valid.
Locum income is often treated as self-employment, but this depends on the terms of your engagement, how you are paid and the level of control involved. If you are genuinely self-employed, you would report income and expenses on a Self Assessment return, with expenses such as indemnity cover, travel between sites and professional subscriptions potentially claimable. If the arrangement is more akin to employment, PAYE and possibly IR35 considerations can apply. Reviewing the contract is usually the sensible first step.
Not automatically. A limited company can suit some doctors with substantial private or consultancy income, while for others a sole trader or partnership arrangement is simpler and no less tax-efficient. The decision involves questions about how much income you expect, how you want to extract profit, pension contributions, administrative obligations such as accounts and Corporation Tax, and how the structure interacts with your NHS employment. It is worth reviewing rather than adopting as a default.
Some private medical services are exempt from VAT, which means they do not count towards the registration threshold, but not all income falls into that category. Medico-legal work, certain aesthetic or non-medical services and the sale of goods can be treated differently. If your taxable turnover approaches the registration threshold, you should look at this carefully, because registering brings record keeping and reporting obligations even where much of your income is exempt.
Yes. Many doctors prefer to handle their accounting remotely, sharing records and documents securely online and communicating by email, phone or video call. If you would rather meet in person, we can discuss how that might work. What matters most is that your records, returns and deadlines are managed properly, not the postcode you work from.
It is usually more straightforward than people expect. You would typically need to authorise your current accountant to release information to us, and we would take over the professional clearance process and request the records we need, such as previous returns, accounts and bookkeeping data. The timing matters most if a filing deadline is approaching, so it is worth starting the conversation early. We can also review whether anything in your previous returns deserves a second look.
Speak to an Expert
Let's Take the Guesswork Out of Your Tax Position. Speak to Accountants for Doctors in Marlow.
If your income arrives from more than one direction — NHS payslips alongside private fees, locum timesheets, consultancy invoices or a practice of your own — keeping the numbers straight becomes a job in itself. CruseBurke helps doctors bring those income streams together, claim the professional expenses they are entitled to, and meet their Self Assessment and reporting obligations without last-minute panic. Our accounting and tax planning support is built around how doctors actually work, so you get advice that fits your circumstances rather than a generic checklist. Whenever you are ready, get in touch and we will talk through where you are now and what would help most.