29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Morden
Accounting and tax support built around the way doctors actually work — NHS pay, private fees, locum shifts and consultancy income often sit side by side, alongside partnership drawings, practice profits or limited company dividends. As accountants for doctors in Morden, CruseBurke helps you keep those income streams organised, claim the professional expenses you are entitled to, meet your Self Assessment obligations and stay on top of bookkeeping, tax planning and reporting so your finances are clear rather than overwhelming.
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Which Doctors Do We Support With Accounting and Tax?
Doctors rarely fit neatly into one financial category, and the accounting work follows from that. General practitioners may be partners in a practice, salaried GPs or locums, each with different tax and reporting implications. Hospital doctors and consultants often combine NHS pay with private practice fees, waiting list initiative work or medicolegal reports. Locum doctors frequently receive payments without PAYE deducted and need to budget for tax in advance, while salaried doctors may find Self Assessment becomes relevant once private income, rental income or pension charges enter the picture. Private practitioners running their own clinic, surgeons operating through a limited company and doctors who mix several forms of medical work all bring their own considerations around expenses, record keeping, business structure and VAT. Because no two doctors have the same circumstances, we look at how your income is earned, how it is structured and what you want to achieve before advising on anything.
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 work with doctors centres on getting the detail right and keeping the tax position sensible. That typically starts with Self Assessment tax returns covering NHS income, private medical fees, locum earnings and consultancy income in one place, supported by bookkeeping that keeps records accurate through the year rather than in a rush before the deadline. For doctors in a private practice or partnership we prepare annual accounts, partnership tax returns and profit allocation, while those operating through a limited company need statutory accounts, Corporation Tax computations and confirmation statements alongside the director’s own Self Assessment. Where relevant we handle payroll for practice staff or for a doctor paying themselves a salary, VAT registration and returns, management accounts for those who want to monitor profitability, and business structure advice on whether sole trader, partnership or limited company status suits a particular working pattern. Alongside the compliance work, we look at tax planning around expenses, cash flow and pension contributions so decisions are made with the tax consequences in mind rather than discovered afterwards.
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 often produce a more complicated financial picture than a single payslip suggests. These are the areas where doctors most often need clear, specialist support.
- Multiple income sources in one year — NHS salary, private fees, locum shifts and consultancy work can all arrive through different routes, and each needs to be captured correctly on the tax return rather than relying solely on PAYE figures.
- NHS pay alongside private practice income — PAYE collects tax on your NHS earnings, but private fees, additional NHS payments and any untaxed income still have to be reported, and the interaction between them can affect your overall liability.
- Allowable expenses and how they differ — medical indemnity, professional subscriptions, CPD and equipment may be claimable, but the rules are not identical for employed and self-employed doctors, so what is allowable depends on how the income is earned.
- Locum income with no tax deducted — payments received gross mean the tax and National Insurance are your responsibility, which makes setting money aside through the year and keeping accurate records particularly important.
- Pension considerations — the NHS Pension Scheme combined with private pension contributions can raise annual allowance questions, and understanding those implications early is more useful than dealing with them retrospectively.
- Record keeping across several engagements — receipts, timesheets, mileage logs and invoices from multiple employers and agencies quickly become unwieldy, and gaps tend to surface at the worst possible moment.
- Choosing the right structure — sole trader, partnership or limited company each carry different tax, administration and off-payroll working implications, particularly for locums engaged through agencies.
- VAT on medical and non-medical services — while most medical care provided by registered professionals is exempt, other services may not be, and mixed income streams need to be reviewed carefully.
Why Doctors Choose CruseBurke
Doctors come to us because they want an accountant who does not need the basics explaining. We understand how NHS pay, private fees, locum income and practice profits differ, and why a tax return built around a single P60 will rarely tell the full story. That means advice that reflects your actual working arrangements, whether you are salaried, self-employed, in a partnership or running a limited company. Just as importantly, we keep things clear and practical: records organised in a way that suits your schedule, deadlines flagged in advance, correspondence in plain English and questions answered properly rather than deflected. Compliance is handled thoroughly, professional expenses are reviewed so you are not paying more tax than necessary, and where a decision needs to be made — a change of structure, a new private income stream, a pension question — you get considered guidance rather than a generic response.
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 to an already full working week, so we keep the process straightforward. First, we have an initial conversation to understand your circumstances — whether you are a salaried hospital doctor, a GP partner, a locum working across several sites, a consultant with private practice income, or a combination of these — and to look at where your income currently comes from. Second, we review your existing accounting and tax arrangements, including any previous returns, bookkeeping records, business structure and upcoming filing obligations, so we can identify what needs attention and where there is room to improve. Third, we put the appropriate support in place: agreeing how records will be shared, setting up bookkeeping, payroll or VAT arrangements where needed, and confirming responsibility for your Self Assessment, annual accounts or Corporation Tax filings. From there, you have a clear picture of who is doing what and when.
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 is in how we approach the work rather than the label we put on it. Doctors often have income arriving from several directions at once, and a generic accounting service tends to treat each piece in isolation. We start by mapping the whole picture — employment income, self-employment income, partnership profits, company income, pension contributions and the expenses attached to each — because the tax treatment of one element frequently affects another. That approach shapes the practical support too: bookkeeping set up around how you actually receive income, Self Assessment prepared with allowable professional expenses reviewed properly, business structure advice that accounts for off-payroll working rules and future plans, and tax planning that looks ahead rather than only backwards. Where private practice, partnership finances or a limited company are involved, we handle the associated accounts, returns and payroll, and where your circumstances change — a new role, extra private work, a move into or out of a partnership — the advice adapts accordingly. You deal with accountants who ask the right questions about medical income rather than working it out as they go.
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 NHS employment income and straightforward PAYE affairs may not need much beyond a check that the position is correct. Once private practice fees, locum income, consultancy work, partnership profits, rental income or a limited company are involved, the picture becomes considerably more involved — and that is where specialist accounting support tends to earn its place. We are happy to look at your situation and tell you honestly what level of support is appropriate.
Not every doctor does, but many do. A salaried doctor with no other income and no untaxed sources may be fully covered by PAYE. Self Assessment usually becomes necessary where you have private medical income, locum earnings, consultancy fees, partnership or self-employment profits, untaxed savings or investment income, rental income, or certain pension tax charges. Receiving income that has not been taxed at source is a common trigger, so it is worth reviewing before assuming you are outside the system.
Locum work is often paid gross, with no tax or National Insurance deducted, which means the responsibility for getting it right sits with you. In most cases the income is reported through Self Assessment, and you can claim allowable expenses connected with the work, such as travel between sites and a proportion of home running costs where genuinely used for the business. Because tax is not being collected along the way, setting money aside through the year helps avoid a surprise when the bill arrives.
Commonly claimed items include medical indemnity insurance, GMC and royal college or specialist society subscriptions, professional body fees, continuing professional development and training that maintains your existing expertise, specialist equipment, and business travel or mileage. What you can actually claim depends on whether the income is employment or self-employment, since the rules differ, and there are limits on items such as ordinary commuting. We review expenses as part of the tax return rather than applying a generic list.
Yes, and for many doctors that is exactly the point. NHS employment income arrives through PAYE, while private fees, medicolegal work and self-employed earnings do not, so all sources need to be combined correctly on the tax return to arrive at the right liability. Bringing them together also makes it easier to see the effect of expenses, pension contributions and payments on account on your overall tax position.
There is no single answer — it depends on your income levels, how you are engaged, your plans and your appetite for administration. Limited companies can offer flexibility on profit extraction but come with statutory accounts, Corporation Tax and compliance obligations, while sole trader and partnership structures are simpler but tax differently. Locums engaged through agencies also need to consider off-payroll working rules. We look at your specific arrangements before recommending a structure.
Yes. Most of our work with doctors is handled remotely, with documents shared securely and meetings held by phone or video at times that fit around clinics and on-call rotas. Changing accountants is generally a simple process — we ask for your authorisation, contact your existing accountant for the relevant records and professional clearance, and pick up your filing obligations from the agreed point onwards. You do not need to be located next door to us to get proper support.
Pension contributions can reduce your taxable income, but the NHS Pension Scheme combined with additional private contributions can raise annual allowance questions, particularly for higher earners or those with significant private income. The interaction is technical, and the timing of contributions can matter. We factor pension contributions into your tax planning and flag where specialist pension advice may be worth taking alongside your accounting arrangements.
Speak to an Expert
Get Accounting Support That Fits Around Your Medical Career
Juggling NHS pay, private fees, locum shifts and consultancy income makes it easy for a tax return to become a last-minute scramble — and equally easy to overlook expenses you are entitled to claim. CruseBurke prepares Self Assessment returns that bring every income source together properly and keeps bookkeeping organised through the year, so your position stays clear and your deadlines stay manageable. If you would like to talk through your circumstances in Morden with accountants who understand how doctors earn, get in touch and we will take it from there.