29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Liverpool
CruseBurke provides specialist accounting and tax support for doctors working across Liverpool, from GPs and hospital doctors to consultants, locums and private practitioners. Whether you are dealing with NHS income, private medical fees, locum assignments or consultancy work, our doctor accountants help you keep on top of Self Assessment, bookkeeping, professional expenses and tax compliance so your financial affairs stay organised and you can focus on patient care.
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Which Doctors Do We Support?
Our accounting services for doctors are built around the reality that medical careers rarely follow a single, tidy path. A GP partner in Liverpool may be juggling practice profit shares, NHS pension contributions and private work, while a hospital consultant could be balancing a salaried NHS post with private practice income and consultancy fees. Locum doctors often have several agencies, trusts or practices paying them in the same tax year, and salaried doctors may simply need reassurance that their Self Assessment and expenses are being handled correctly. Private practitioners run clinics, invoices patients or insurers, and may hold a limited company or operate as a sole trader. Many doctors combine several of these at once — NHS and private income, part-time salaried work alongside locum shifts, or teaching and medico-legal work on top of clinical practice. Because accounting and tax treatment can depend on your employment status, income sources, business structure and individual circumstances, we take the time to understand how you actually work before recommending an 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
We provide accounting support for doctors across Liverpool that is shaped around medical income and medical careers. That typically includes preparing and filing Self Assessment tax returns where you have NHS and private income, locum earnings, consultancy fees or other self-employed receipts, along with calculating the tax due and advising on payments on account. For doctors running a private practice through a limited company, we can prepare annual accounts, handle Corporation Tax, manage payroll and advise on the most suitable business structure. Where you operate as a sole trader or in partnership — for example within a GP practice or a private clinic — we can prepare partnership accounts and profit share calculations, along with bookkeeping and management accounts that give you a clear picture of income and expenditure. VAT registration and returns may be relevant for some private practices and consultancy arrangements, and we can advise on whether it applies to you. Alongside compliance, we look at tax planning opportunities that suit your circumstances, such as the treatment of medical indemnity, professional subscriptions, training and professional development costs, equipment, and travel and mileage.
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 May Face
Doctors often come to us with a familiar set of frustrations rather than a single problem. Medical income rarely arrives in one neat stream, and the tax rules around it are not always straightforward.
- Multiple income sources arriving at once. NHS salary, locum agency payments, private fees and consultancy income can all land in the same tax year, which makes it harder to work out what has already been taxed and what still needs to be declared.
- Self Assessment deadlines and payments on account. Where you have untaxed income, a return is normally required, and the payments on account system can catch doctors out if cash flow has not been planned for.
- Understanding which professional expenses are allowable. Medical indemnity, GMC and royal college subscriptions, specialist equipment, and training costs are common areas of uncertainty, and the treatment is not always the same for employed and self-employed income.
- Keeping records that stand up to scrutiny. Locum timesheets, mileage logs, private fee invoices and practice expense claims need to be recorded consistently across the year, not reconstructed at the last minute.
- Choosing the right business structure. Whether to work as a sole trader, in partnership or through a limited company depends on your income level, private work and long-term plans, and the answer can change as your career develops.
- Pension considerations alongside tax planning. NHS pension contributions, annual allowance questions and private pension arrangements interact with your tax position, and getting this wrong can be costly.
- Partnership and practice finances. GP partners and doctors in private practice often need help with profit shares, drawings, capital accounts and understanding what the practice numbers actually mean.
- Dividing time between NHS and private work. Apportioning expenses, understanding how private income sits alongside NHS employment, and keeping the two sets of records clean is a recurring challenge.
Why Doctors in Liverpool Choose CruseBurke
Doctors choose CruseBurke because they want an accountant who understands the language of medicine as well as the language of tax. That means recognising the difference between NHS employment income and private practice receipts, knowing why locum doctors often have several payers in a single year, and appreciating how medical indemnity, professional subscriptions and training costs fit into the wider picture. We explain things in plain English rather than jargon, so you know what is being filed, why it matters and what it means for your tax position. Our approach is built around organised financial records, proactive compliance and practical advice on everything from allowable expenses to business structure. We work with doctors in different arrangements, so whether you are employed, self-employed or somewhere in between, we tailor the support to your situation rather than applying a one-size-fits-all template.
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
Getting the right accounting support in place should not add to the pressure of a busy clinical career. It starts with a conversation. First, we take the time to understand how you work — whether that is a salaried NHS post, GP partnership, locum assignments, private practice, consultancy work or a combination of several. We will ask about your income sources, employment arrangements, business structure and any existing accounting or record-keeping arrangements. Second, we review your accounting and tax requirements, looking at what needs to be filed and when, whether your current structure still suits your circumstances, and where your records or processes could be improved. Third, we put the appropriate support in place and agree how we will work together — who provides what information and how often we will be in touch. From there, we handle the ongoing compliance and keep you informed of anything that may affect your tax position.
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 CruseBurke apart is the way we approach medical income. Rather than treating doctors as a generic self-employed client, we look at how NHS income, private medical income, locum work and consultancy fees interact across the tax year, and how that affects your Self Assessment, expenses and overall tax position. We understand that allowable professional expenses for doctors are not always obvious, and we help distinguish between costs that can be claimed against self-employed income and those that may be more suitable for an employment expenses claim. We can support you with bookkeeping that keeps records clean and current, business structure advice that reflects your long-term plans, and partnership accounting where practices or clinics are involved. Equally important is clear communication — we explain the reasoning behind our advice so you can make informed decisions rather than simply accepting a set of figures.
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. If you are employed on a straightforward NHS salary with no other income, your tax is usually handled through PAYE and you may not need much support. Once you take on locum shifts, private practice income, consultancy work, a GP partnership or a limited company, the picture becomes more complicated. At that point, an accountant can help ensure income is declared correctly, expenses are handled properly and deadlines are met. Many doctors also value having someone to check whether their current structure still suits them.
Yes. This is one of the most common situations we deal with. NHS salary is normally taxed through PAYE, while private medical fees, locum income and consultancy earnings usually need to be declared through Self Assessment. We can prepare and file your return, calculate the tax payable, and explain how payments on account may affect your cash flow. We will also help you keep the records needed to support both the employed and self-employed sides of your tax return.
Common areas include medical indemnity and insurance, GMC and royal college or specialist society subscriptions, professional development and training costs, specialist equipment, and business travel and mileage. However, what you can claim depends on whether the expense relates to employed income, self-employed income or both — and some costs are treated differently in each case. We review your outgoings individually rather than assuming everything is claimable.
Locum doctors often receive payments from multiple sources, some through payroll and some as self-employed income. It is important to establish which payments have already been taxed and which need to be declared, and to keep timesheets, contracts and expense records organised throughout the year. We can help you separate the two, work out your position for the tax year and make sure your return reflects all of your earnings.
It depends on your level of private income, how you intend to work and your longer-term plans. A limited company can suit some doctors running a private practice or consultancy, but it brings additional responsibilities such as annual accounts, Corporation Tax, payroll and potentially VAT. For others, sole trader or partnership arrangements remain more appropriate. We look at your specific circumstances before making a recommendation, and we will explain the trade-offs clearly.
VAT is a consideration for some private practices and consultancy arrangements, but the position is not the same for every doctor. Some medical services are exempt, while others are standard-rated, and registration thresholds and treatment can vary depending on what you provide. If VAT is relevant to your practice, we can advise on registration, record keeping and returns.
We can work with doctors remotely, which is often the most practical option around clinic lists, theatre sessions and on-call commitments. Documents and records can be shared securely, and meetings can be arranged at times that fit around your working pattern. How we work together is something we agree at the outset.
Changing accountants is usually more straightforward than people expect. We would ask for some details about your current position and then handle the professional handover, including requesting the information we need from your existing accountant. Once that is in place, we review your circumstances and confirm how the ongoing support will work. You do not need to manage the transition yourself.
Speak to an Expert
Take the Stress Out of Tax and Let Your Accounting Work Around Your Career
If you are juggling NHS salary, private medical fees, locum assignments or consultancy income, it is easy for Self Assessment deadlines and record keeping to slip down the priority list. CruseBurke can take that weight off your shoulders by preparing your tax returns, explaining which professional expenses you can claim, and keeping your bookkeeping organised throughout the year. Speak to our team about Accountants for Doctors in Liverpool and find out how straightforward specialist support can be.