29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Leamington Spa
Specialist accounting support for doctors in Leamington Spa, built around the way you actually work. Whether you are a GP, hospital doctor, consultant, locum or private practitioner, your tax position rarely fits a standard template. We help you make sense of Self Assessment, NHS and private income, locum and consultancy earnings, allowable professional expenses, bookkeeping and pension considerations, so your records stay organised, your returns are submitted accurately and your tax planning reflects your real circumstances.
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Which Doctors Do We Support?
Accounting support for doctors is not a single service, because no two doctors have quite the same financial picture. A salaried hospital doctor taxed entirely through PAYE has very different requirements from a locum working through a limited company, or a private consultant holding both NHS and fee-paying work. We support GPs, including those in partnerships or working as salaried GPs and retainers, as well as hospital doctors, consultants, specialist registrars and doctors in training. We also work with locum doctors, doctors providing out-of-hours or ad hoc sessions, private practitioners, and clinicians who combine NHS employment with private practice, medico-legal work, teaching or consultancy. Your accounting needs will depend on your income sources, employment status, whether you operate as a sole trader, partner or limited company, and how your professional costs are structured. Some doctors need help with a straightforward Self Assessment return and a clear view of allowable expenses. Others need annual accounts, payroll, VAT registration or advice on whether a limited company suits their mix of work. Where your circumstances are more complex, we take time to understand the detail before recommending 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 the accounting and tax tasks that come with medical careers. Self Assessment is usually the starting point, particularly where you have income beyond a single salary, such as private practice fees, locum sessions, consultancy income, medical examiner work or rental income. We prepare and review tax returns, identify allowable professional expenses such as medical indemnity cover, GMC and specialist registration fees, professional body subscriptions, mandatory training and professional development costs, and equipment or mileage where those costs relate to your work. Where you run a private practice, work as a locum through a limited company or hold a partnership share in a GP practice, we can look after annual accounts, bookkeeping, payroll, VAT and Corporation Tax, along with the financial reporting you may need for a lender or a practice agreement. Management accounts can help you see how a practice or private caseload is performing rather than waiting until the year end. We also advise on business structures, including whether sole trader, partnership or limited company status is appropriate for your mix of NHS and private income, and on tax planning that considers your pension position and how your income is drawn. Where your situation spans several of these areas, we coordinate the work so your returns, records and payments stay consistent.
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 generate a distinctive set of accounting and tax issues. These are the areas where doctors most often need clarity, and where a small misunderstanding can lead to an unexpected tax bill or unnecessary administrative pressure.
- Multiple income sources in one tax year. Salary from an NHS trust, locum shifts, private fees, teaching or medico-legal work can each be taxed differently, and combining them into one coherent Self Assessment position takes careful record keeping.
- NHS and private income running side by side. Understanding how employment income interacts with self-employed private earnings affects both your tax liability and how you plan payments on account.
- Allowable professional expenses. Medical indemnity, GMC and specialist register fees, professional subscriptions and required training can often be claimed, but only where the cost is wholly and exclusively for your work. Claiming incorrectly or missing costs both cause problems.
- Travel and mileage. Travel between sites, home visits and travel to temporary workplaces are treated differently under UK rules, and the distinction matters for locums and doctors covering multiple locations.
- Pension considerations. Annual allowance, carry forward and the interaction between NHS pension contributions and private income can make tax planning genuinely difficult, and the right approach depends on your individual position.
- Record keeping under pressure. Rotas, on-call commitments and unpredictable hours make it easy to fall behind on receipts, invoices and mileage logs, which then complicates the return.
- Choosing and reviewing a business structure. Whether locum or private work should sit inside a limited company, a partnership or a sole trader arrangement depends on your income levels, arrangements and long-term plans.
- Partnership and practice finances. GP partners and doctors in practice partnerships need to understand profit allocation, drawings, capital accounts and how practice profits flow through to individual tax returns.
- Tax deadlines and payment planning. Self Assessment deadlines fall at fixed points, and payments on account can catch doctors out when income has changed during the year.
Why Doctors Choose CruseBurke
Doctors come to CruseBurke because they want an accountant who already understands the shape of a medical career rather than one who needs the basics explained each year. That means recognising how NHS income, private fees, locum sessions and consultancy work sit together, and how your employment status affects what you can claim and how you report it. We keep the process practical. Your records are organised in a way that works around clinical commitments, your Self Assessment and other filings are prepared accurately and on time, and you get a clear explanation of the figures rather than a set of accounts you cannot interpret. Because doctors work in so many different arrangements, we tailor the support to your circumstances, whether you are a salaried doctor with a small private income, a locum operating through a company, a GP partner, or a consultant building a private practice alongside NHS duties. Where a question touches on pension planning, structure or a property or investment matter, we will tell you plainly what falls within our remit and what needs specialist input elsewhere. The aim is straightforward: fewer surprises, better organised finances and confidence that your tax affairs reflect what you actually do.
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 Doctors
Getting the right accounting support in place should not add to an already full diary. The first step is a conversation about how you work: your employment arrangements, whether you have NHS income, private practice fees, locum sessions, consultancy work or a mix of all of these, and the business structure you currently use. From there we review your accounting and tax requirements. That includes looking at your existing returns and records, checking that expenses such as indemnity cover, registration fees and professional subscriptions are being treated correctly, and identifying where bookkeeping, payroll or VAT obligations may need attention. We then put the appropriate support in place, whether that is preparing your Self Assessment, running your bookkeeping and annual accounts, handling payroll and VAT for a practice or limited company, or providing ongoing advice on structure and tax planning. Once things are running, we keep the arrangements under review so that changes in your working pattern, income or pension position are reflected in your filings rather than discovered later.
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 the level of attention given to the details that matter in medical finance. We look at how each income stream is treated rather than lumping everything together, so salary, locum income, private fees and consultancy earnings are reported in the way the rules require. We take professional expenses seriously, checking what can properly be claimed for indemnity cover, registration and subscription costs, training, equipment and travel, and explaining the reasoning behind each position. For doctors running a practice, a partnership or a limited company, we handle the wider compliance picture, including bookkeeping, payroll, VAT, annual accounts, Corporation Tax and management reporting, so nothing is left to sit unresolved. Where structures need reviewing, we compare the realistic options against your actual working pattern instead of applying a one-size-fits-all answer. Communication matters too: we explain things in plain terms, flag deadlines before they arrive and make it easy to raise questions as circumstances change. Because doctors’ tax positions vary so widely, we are careful not to assume that what works for one clinician suits another, and we say so when a decision depends on your individual facts.
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 taxed entirely through PAYE on a single salary with no other income may have little to file beyond a straightforward return, if one is required at all. But once you add locum shifts, private practice fees, consultancy or medico-legal income, a partnership share or a limited company, the position becomes more involved. At that point an accountant is usually worthwhile, because the value lies in getting the reporting right, claiming the expenses you are entitled to and planning for payments rather than reacting to a bill. Doctors with property income, higher earnings or pension complications often benefit even where their employment looks simple.
Your NHS salary is taxed through PAYE, with tax already deducted at source. Private practice fees, locum work and consultancy income are generally reported through Self Assessment, and the tax already paid on your salary is taken into account when your overall liability is calculated. Private income may also mean you need to make payments on account towards the following year. The exact outcome depends on your total income, your expenses and the timing of when work is paid, so the figures should be worked through individually rather than estimated.
Common claims include medical indemnity or defence union subscriptions, GMC and specialist register fees, professional body memberships, and mandatory training or professional development that is required for your role. Equipment, professional books and mileage or travel costs may also qualify where they are genuinely incurred for your work. The test is that costs are incurred wholly and exclusively for the purposes of your profession, and it is important to distinguish between costs required for your employment and ordinary commuting or general personal expenses. What you can claim will depend on your employment status and how each cost relates to your work.
Both arrangements are used by locum doctors, and the right one depends on your income levels, how many contracts you take, whether IR35 or off-payroll rules are relevant to your engagements, and how you want to draw money from the business. A limited company can suit higher-earning locums with multiple contracts, but it brings additional responsibilities such as annual accounts, Corporation Tax, payroll and potentially VAT, along with stricter rules on how income is taken. A sole trader arrangement is simpler to administer. The comparison should be made using your own numbers rather than a general rule.
Yes. Partnership accounting for doctors involves allocating profits between partners, tracking drawings and capital accounts, and making sure each partner's share is reported correctly on their individual tax return. We can prepare the partnership accounts and returns, handle the individual Self Assessment filings that follow, and assist with payroll, VAT and bookkeeping for the practice where those obligations apply. Practice agreements and profit-sharing arrangements vary, so the starting point is always the terms your partnership actually operates under.
Not automatically. VAT registration depends on your taxable turnover and the nature of the services you provide, and some medical services are exempt. Many doctors providing exclusively exempt healthcare services will not need to register, but where you supply additional services or your turnover exceeds the relevant threshold, registration may be required. The treatment can be nuanced, particularly where you provide a mixture of exempt and standard-rated services, so it is worth checking before you assume either way.
Annual allowance charges can arise where your total pension growth across all schemes exceeds the permitted amount, and this affects doctors in different ways depending on their NHS pension position, private pension contributions and overall earnings. The rules include carry forward of unused allowances and various tapering provisions, so the outcome is specific to each individual. Because pension tax interacts closely with your other income and your Self Assessment position, it is usually worth reviewing alongside your return rather than in isolation. Complex cases may also benefit from specialist pension advice.
Remote working is straightforward for most doctors. Documents can be shared securely online, and meetings can be arranged around clinical commitments rather than office hours. If you are moving from another accountant, we can contact them on your behalf to request the records and information needed, once you have authorised the change, and we will confirm what needs to be in place before the next filing date. Bringing your existing returns and records along makes the handover considerably easier.
Speak to an Expert
Take the Guesswork Out of Your Tax Position with Accountants for Doctors in Leamington Spa
If your income comes from more than one place, or your expenses and pension position are not as clear as they should be, getting the details right matters. CruseBurke works with doctors on Self Assessment, NHS and private income reporting, allowable professional expenses, bookkeeping and structure advice, so your records stay organised and your returns reflect your actual working life. Whether you are a locum, a GP partner, a consultant with private practice income or a salaried doctor with a growing portfolio of work, we are happy to talk through where you stand and what needs doing next.