29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Melton Mowbray
Specialist accounting and tax support for doctors working in and around Melton Mowbray. Whether you are a GP, hospital doctor, consultant, locum or private practitioner, we help you make sense of Self Assessment, NHS and private income, allowable professional expenses, bookkeeping and tax compliance — so your financial affairs stay organised and you can focus on patients rather than paperwork.
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Which Doctors Do We Support?
Doctors rarely fit neatly into a single category, and their accounting needs often reflect that. We support GPs working in practices or as partners, hospital doctors and consultants on salaried contracts, locum doctors moving between assignments, and doctors who combine NHS work with private practice, medico-legal work or consultancy. Some doctors are employed throughout, some are self-employed, some run a limited company, and many have a mix of all three at different points in their career. Because of this, tax treatment can vary considerably depending on your employment status, the number and type of income sources you have, your business structure, and how your professional costs are incurred. Trainee doctors and newly qualified doctors approaching their first Self Assessment, established consultants with complex private income, and doctors reducing sessions ahead of retirement all face different questions. We take the time to understand your circumstances — including your NHS income, private fees, locum earnings, professional subscriptions and indemnity costs — and tailor our support accordingly rather than applying a one-size-fits-all 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 are built around the working realities of medical professionals. For doctors with self-employed income — locum shifts, private consultations, medico-legal reports, teaching or advisory work — we prepare and file Self Assessment tax returns, calculate liabilities and help you plan for payments on account. We review allowable professional expenses such as medical indemnity cover, GMC and specialist society subscriptions, professional development and required training, equipment, and business-related travel and mileage, so that legitimate costs are properly claimed. Where you run a private practice, clinic or consultancy, we can handle bookkeeping, annual accounts, management accounts and financial reporting, and advise on whether a sole trader, partnership or limited company structure is likely to suit your circumstances. That includes Corporation Tax compliance, director payroll and VAT registration and returns where turnover or activities mean VAT is relevant. For doctors practising in partnership, we assist with partnership accounts, profit allocation and the tax implications for each partner. We also support doctors with multiple income streams — for example NHS salary alongside private fees, or pensionable employment alongside self-employed work — helping to keep each income source correctly recorded, reported and understood.
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 Often Face
Medical careers tend to generate complicated financial lives. These are some of the accounting and tax pressure points doctors commonly encounter, and why they matter.
- Multiple income sources reported in different ways. NHS salary, private fees, locum income and consultancy earnings may each be taxed differently, and keeping track of which figures belong on which part of a return is where errors and unnecessary tax charges often creep in.
- Self Assessment alongside PAYE. Many doctors assume their tax is fully handled through PAYE, but self-employed income, untaxed savings or additional sources can create a filing obligation — and HMRC penalties for late or incorrect returns apply regardless of how busy your clinical schedule is.
- Identifying allowable professional expenses. Medical indemnity, GMC fees, royal college and specialist society subscriptions, mandatory training and CPD, and professional equipment can all be relevant, but the rules on what qualifies and how it is claimed depend on whether the cost relates to employment or self-employment.
- Travel and mileage complexity. Doctors frequently travel between sites, practices and hospitals, and the distinction between ordinary commuting and allowable business travel is not always obvious — particularly for locum doctors with no fixed workplace.
- Pension considerations. NHS pension contributions, annual allowance questions and interaction with private income can make retirement planning less straightforward, and getting the underlying income figures right is essential before any decisions are made.
- Record keeping across a busy working week. Receipts, bank statements and shift records build up quickly. Without a consistent system, preparing a tax return becomes a scramble and expenses are frequently missed or unclaimed.
- Choosing the right business structure. Whether to operate as a sole trader, within a partnership or through a limited company is a decision that affects tax, administration and personal liability — and the right answer can change as your private work grows or contracts.
- Practice and partnership finances. GPs in partnership deal with profit shares, practice accounts and often additional property or service income, which requires coordination between the practice's accounts and individual partners' tax positions.
- Keeping pace with tax deadlines. Payments on account, filing dates and VAT obligations arrive whether or not they coincide with a quiet period at work, and missed deadlines carry financial consequences.
Why Doctors Choose CruseBurke
Doctors come to CruseBurke because they want an accountant who recognises the shape of a medical career rather than treating them as a standard tax return. We listen first: how you are employed, what you earn and where it comes from, what you pay out professionally, and what you want your finances to do over the next few years. From there, we explain your position clearly and without jargon, highlighting the areas that need attention and the decisions worth making. Our focus is on practical support — accurate Self Assessment and tax returns, well-maintained records, sensible advice on business structures, and help with the bookkeeping and reporting that private practice or consultancy work brings. We understand that a locum doctor’s year looks nothing like a consultant’s with a private practice, and that a GP partner’s tax position differs again from a salaried hospital doctor’s. That understanding shapes the advice we give, the deadlines we help you meet, and the way we communicate with you throughout the year.
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
Becoming a client is intended to be straightforward, even if your financial affairs are not. Step one is a conversation about your circumstances: how you work, whether you are employed, self-employed or both, and which income sources are in play — NHS salary, private fees, locum shifts, consultancy, partnership profits or a combination of these. Step two is a review of your accounting and tax requirements, including any outstanding returns, current record-keeping, expenses you may be entitled to claim, and whether your present structure still suits your work. Step three is putting the right support in place, whether that means taking over your Self Assessment and bookkeeping, preparing annual accounts and corporation tax filings, or providing ongoing advice as your income and responsibilities change. We agree what is being done and by when, and you are kept informed as things progress.
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 attention we give to the detail that matters in medical finances. We look at all of your income together — employment, self-employment, partnership and any investment or property income — because the way these interact affects your overall tax position. We examine your professional costs carefully, from medical indemnity and registration fees to subscriptions, training and equipment, and make sure claims are properly supported and appropriate to your working arrangements. Where you run private or consultancy work, we can take on bookkeeping, management accounts and VAT so you are not trying to reconcile income in the evenings after a clinic. We also help with structure decisions and with the record-keeping routines that make everything else easier, and we keep your obligations to HMRC and Companies House in view so nothing is overlooked. Where your circumstances change — a new private contract, a move from locum to substantive post, a partnership change or a reduction in sessions — we adapt the support to match, rather than leaving you on a set-up that no longer fits.
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
Doctors can certainly use a general accountant, but medical finances tend to involve combinations that general practice does not see every day: NHS employment income alongside self-employed private or locum earnings, professional expenses split between employment and self-employment rules, pension contributions, and sometimes a limited company or partnership. An accountant familiar with these patterns is better placed to ask the right questions, spot missed expenses and identify where your structure or record-keeping could be working harder for you.
Locum income is usually treated as self-employed income, which means registering with HMRC where required, keeping records of the income you receive and the expenses you incur, and reporting the profit through Self Assessment. Expenses arising from your locum work — such as travel between assignments, professional indemnity cover, GMC fees and specialist subscriptions — may be allowable, but the rules depend on the nature of each cost and whether it was incurred wholly and exclusively for the work. It is worth reviewing your travel patterns carefully, as the treatment of different journeys can vary.
Medical indemnity insurance, GMC registration fees, royal college and specialist society subscriptions, and certain professional publications are commonly claimed, but how they are claimed depends on whether they relate to employed or self-employed work. Where a cost relates to your employment, relief may be available through the appropriate employment expense route; where it relates to self-employment, it is usually deducted from your self-employed profits. Because the two are not interchangeable, it is worth having your specific costs reviewed rather than assuming they are all treated the same way.
Your NHS salary is normally taxed through PAYE, while private fees, consultancy work or medico-legal income are typically reported through Self Assessment. Both need to be brought together accurately, and if you have self-employed income you may also need to account for payments on account. It is also worth considering whether your private work is growing to the point where a different business structure, VAT registration or more formal bookkeeping would be sensible. Each case depends on your own income levels and arrangements.
It depends on the nature and value of the services you provide. Some medical services are exempt from VAT, while others are not, and the position can differ between clinical care, medico-legal reports, cosmetic treatments and advisory or teaching work. If your relevant turnover approaches the registration threshold, or if you are unsure how your services are treated, it is sensible to review this before the issue becomes urgent.
It depends on your level of profit, how you are engaged, whether you have partners or associates, and what you want to do with the money. A limited company brings corporation tax, payroll obligations, annual accounts and Companies House filings, and may or may not be appropriate for clinical work depending on who is engaging you. There is no universal answer, so the structure should be considered against your actual circumstances rather than chosen by default.
Yes. Much of the information needed for accounting and tax work can be shared securely without in-person meetings, and many doctors find that remote communication fits better around clinic lists and on-call rotas. Where meeting in person is more practical, that can be arranged. The important thing is that you have a clear route to ask questions and get answers when you need them.
No, it is rarely too late to put things right. We can review outstanding returns, work through the records needed to prepare them, and discuss how any penalties or interest may arise so there are no surprises. Acting sooner generally gives you more options and less pressure, so it is worth starting the conversation even if your paperwork is not in perfect order.
Speak to an Expert
Get Accounting Support Built Around Your Medical Career
Juggling NHS pay, locum shifts, private fees and a growing pile of receipts is not something you should have to sort out alone. CruseBurke provides accounting support for doctors in Melton Mowbray, including Self Assessment preparation, bookkeeping and practical guidance on the professional expenses you may be able to claim. Speak with us about your circumstances and we will help you bring your tax affairs into order and keep them there.