29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Mildenhall
CruseBurke provides specialist accounting and tax support for doctors in Mildenhall, helping you make sense of Self Assessment, NHS and private income, locum earnings, professional expenses and day-to-day bookkeeping. Whether you are salaried, self-employed or combining several forms of medical work, we aim to keep your records organised and your tax position clear, so you can focus on your patients rather than paperwork.
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Which Doctors Do We Support?
Doctors rarely fit into a single box, and their accounting needs tend to shift as their careers develop. We work with GPs, hospital doctors, consultants, locum doctors, salaried doctors, private practitioners and doctors who combine NHS work with private or medico-legal income. A salaried hospital doctor with a modest private practice has a very different tax picture from a full-time locum working through their own limited company, or from a GP partner with a share of practice profits, drawings and pension contributions. Income sources, employment status, business structure and the type of professional activity all influence how tax is calculated, what can be claimed and which deadlines apply. If you are unsure which category you fall into, that is a normal starting point rather than a problem — we can review your circumstances and explain what is likely to apply to you.
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
Our work with doctors is built around the realities of medical income, which often arrives from more than one source and on more than one basis. We can prepare and file Self Assessment tax returns that bring together NHS salary, locum income, private practice fees, consultancy and medico-legal earnings, and any investment or property income you may hold. Alongside that, we can handle bookkeeping and record keeping, prepare annual accounts for sole traders, partnerships and limited companies, and deal with Corporation Tax where you operate through a company. If you are a GP partner or run a private practice, we can support partnership accounts, profit shares and financial reporting. Where VAT registration applies to your private or cosmetic work, we can advise on registration, returns and record keeping. We also provide payroll support, management accounts and tax planning, including advice on business structure, allowable professional expenses, pension contributions and the timing of income and expenditure. Because VAT, pension and tax treatment can depend on your individual circumstances, we explain the position clearly before anything is submitted.
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 Challenges for Doctors
Medical careers create a set of accounting pressures that a generalist accountant may not see often. These are the areas doctors most commonly need help untangling.
- Multiple income streams. NHS salary, private practice fees, locum shifts, consultancy and medico-legal work can all arrive in the same tax year. Reporting them correctly, and understanding how each is taxed, takes careful record keeping and a clear view of your total earnings.
- Self Assessment and deadlines. Where you have untaxed income, you may need to file a Self Assessment tax return and pay tax through payments on account. Missing deadlines can trigger penalties and interest, so knowing what is due and when matters.
- Allowable professional expenses. Medical indemnity cover, GMC and royal college subscriptions, specialist equipment, training and professional development costs are often relevant, but the rules on what counts as allowable are not always obvious, and the treatment can vary depending on whether you are employed or self-employed.
- Travel and mileage. Travel between NHS sites, private hospitals and clinics, or to locum placements, can be a significant cost. Claiming it correctly requires the right records and a clear understanding of what counts as ordinary commuting, which is treated differently.
- Pension considerations. Contributions to the NHS Pension Scheme and to private pensions can carry annual allowance implications, and the interaction with your total income is not always straightforward. This is an area where personalised advice matters rather than a general rule of thumb.
- Choosing the right business structure. Locum doctors and private practitioners may operate as sole traders, through a partnership or via a limited company. Each route has different implications for tax, national insurance, administration and how you take money out of the business.
- Practice and partnership finances. GP partners and practice owners deal with profit shares, drawings, practice overheads and financial reporting that affect both the practice and their personal tax position, which needs to be handled together rather than in isolation.
- Record keeping and bookkeeping. Without an organised system, receipts, invoices and expense records accumulate quickly and become difficult to reconstruct at year end, which can lead to missed claims or last-minute scrambling.
Why Doctors Choose CruseBurke
Doctors tend to value the same things in an accountant that they value in their own work: precision, clarity and someone who understands the context. CruseBurke focuses on medical professionals and the specific ways their income and expenses behave, so conversations start from an informed position rather than a blank page. We help you keep financial records in good order throughout the year, explain what is likely to be allowable and what is not, and manage filing obligations such as Self Assessment, annual accounts and Corporation Tax so nothing is left until the last moment. Importantly, we adapt to your working arrangement — a salaried doctor with occasional private income needs different support from a locum running a company or a GP partner with practice accounts to sign off. Our aim is practical advice you can act on, delivered in plain English, with clear explanations of why a particular treatment applies to your circumstances.
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
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 approach apart is the way we connect the different parts of a doctor’s financial life rather than treating them as separate jobs. NHS income, private fees, locum work and consultancy each carry their own reporting requirements, and the way they interact — with expenses, pension contributions, business structure and overall tax position — is where good advice makes a practical difference. We look at allowable professional expenses in detail, including medical indemnity, professional subscriptions, training and equipment, and we help you distinguish between costs relating to your work and those that are personal. Where a limited company is appropriate, we handle company accounts, Corporation Tax and payroll; where you are self-employed or in a partnership, we manage the accounts, tax returns and profit reporting that go with it. Throughout, we keep the language clear and the process organised, so you understand your position and can plan with confidence rather than guesswork. Tax treatment always depends on your individual circumstances, and we set that out honestly before any decision is made.
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 many find it helpful. A doctor with no untaxed income beyond PAYE salary may have fairly simple affairs. The picture becomes more involved once you add locum income, private practice fees, consultancy, medico-legal work, a partnership share or a limited company. At that point, an accountant familiar with medical income can help you report everything correctly, identify relevant expenses and keep on top of deadlines. If you are unsure whether your situation warrants specialist support, it is worth a conversation rather than an assumption.
It depends on your circumstances. A doctor whose entire income is taxed through PAYE and who has no untaxed income or other reporting triggers may not need to file. However, if you receive locum income, private practice or consultancy fees, rental income, or significant untaxed savings and dividend income, a return is usually required. HMRC may also ask you to file in other situations. The safest approach is to review your income sources rather than rely on a general rule.
NHS salary is normally taxed through PAYE, and your employer deducts tax and National Insurance as you earn. Private practice fees, locum payments and consultancy income are typically reported through Self Assessment, which is where both streams are brought together to work out your overall tax position. Because the total affects your tax bands and any payments on account, it is worth keeping NHS and private records separate and reviewing them together before your return is prepared.
Potentially allowable costs often include medical indemnity and professional indemnity cover, GMC and royal college or specialist society subscriptions, professional training and continuing development relevant to your existing work, specialist equipment and materials, and travel between work locations where the rules permit it. The exact treatment depends on whether you are employed or self-employed and on the nature of the cost, so each item should be reviewed rather than assumed. Keeping receipts and clear records throughout the year makes this far easier to confirm.
In many cases, indemnity cover and professional subscriptions related to your medical work are treated as allowable expenses, but the treatment is not automatic for every arrangement. For self-employed doctors, they are generally claimed through Self Assessment against your professional income. For employees, some professional subscriptions may be claimable as job-related expenses, subject to the rules. Because individual circumstances vary, it is worth having these reviewed as part of your return preparation.
There is no single answer, because it depends on your earnings level, how many contracts you take, how you want to be paid, your pension position and how much administrative work you are comfortable with. Sole trader status is simpler and involves less compliance, while a limited company can offer different tax and National Insurance outcomes in some circumstances but brings additional obligations such as company accounts, Corporation Tax returns and payroll. Many doctors review this decision periodically as their work changes, rather than treating it as permanent.
Pension contributions can be a valuable part of your overall tax position, but the interaction between NHS Pension Scheme membership, any private pension contributions and your total income is not always straightforward. Annual allowance considerations can arise where contributions are high relative to your income, and the position depends on your individual circumstances, including your earnings and the rate at which your pension builds up. Because the rules are detailed and can change, this is an area best reviewed with tailored advice rather than a generic rule of thumb.
Yes. Much of the accounting process can be handled remotely using secure digital records and online communication, which suits doctors working between sites, on varying rotas or with limited time during the working day. To get started, we simply need to understand how you work and where your income comes from, then review your current records, filing position and any business structure questions. From there, we can recommend the services that are relevant and set out how the ongoing arrangement will work.
Speak to an Expert
Take the Stress Out of Your Medical Finances With Accountants for Doctors in Mildenhall
If your income arrives from several directions at once — NHS salary, locum shifts, private practice fees or consultancy — keeping everything accurate and filed on time can quickly become another job in itself. CruseBurke provides accounting support for doctors in Mildenhall, including Self Assessment, bookkeeping and tax planning, so your records stay organised and your position is clear. Speak to our team and we will walk you through what applies to your circumstances and how best to move forward.