29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Loanhead
Specialist accounting support helps doctors in Loanhead keep their finances in order and their tax position clear. From Self Assessment and NHS income to private practice earnings, locum shifts and consultancy fees, the right accountant can bring everything together, keep reliable records and make sure your reporting obligations are met without unnecessary stress. With advice shaped around how doctors actually work, you can spend less time on paperwork and more time on medicine.
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Which Doctors Do We Support?
Medical careers take many different shapes, and the accounting work behind them rarely looks the same twice. We support GPs, hospital doctors and consultants, locum doctors, salaried doctors, private practitioners, and doctors who combine NHS work with private or medico-legal income. Some doctors have a single salary and a modest set of expenses to claim, while others report several income streams, run a practice, hold a partnership share or operate through a limited company. Accounting treatment can depend on your employment status, where your income comes from, how your work is structured, and the expenses you incur in the course of practising. Because of that, we take the time to understand your particular mix of work rather than applying a one-size-fits-all approach to doctors as a group.
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 practical realities of medical work. For doctors who complete Self Assessment, we prepare and file tax returns that bring together NHS pay, private fees, locum income, consultancy earnings and any other taxable income accurately. For those running a private practice, we handle annual accounts, bookkeeping, management accounts and financial reporting, along with Corporation Tax where a limited company is involved, VAT registration and returns where turnover requires it, and payroll if you employ practice staff or take a salary from your own company. Partnership accounts are also covered, which matters for doctors holding a share in a practice, and we can advise on business structure where the choice between sole trader, partnership and limited company affects how income is taxed and how profits are extracted. Alongside compliance work, we look at allowable professional expenses such as medical indemnity cover, professional subscriptions, training and development costs, equipment, and travel or mileage between sites, so claims are complete and properly supported. Tax planning sits alongside all of this, helping you plan ahead as your income mix changes over time.
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 rarely fit neatly into a single tax category, and that is usually where the complications start. These are some of the areas that commonly need careful handling.
- Multiple income streams: NHS salary, private consultations, locum shifts, teaching, research and medico-legal work may all be taxed in different ways. Bringing them together correctly in one place is essential to avoid errors and to understand your true tax position.
- Self Assessment reporting: Doctors with income outside PAYE often need to report it through Self Assessment, and the figures must reconcile with payslips, P60s, invoices and private income records. Missed or late reporting can lead to penalties and interest.
- Allowable professional expenses: Medical indemnity insurance, GMC and royal college fees, specialist equipment, professional development courses and similar costs may be claimable, but only where the rules are met. Poor record keeping often means legitimate claims are missed.
- Pension considerations: NHS pension contributions and any private pension arrangements can interact with tax relief and annual allowance rules. Understanding how your pension position affects your overall tax bill requires careful review.
- Record keeping around demanding rotas: Long shifts and unpredictable schedules make it easy for receipts, invoices and mileage logs to pile up. Disorganised records slow down tax returns and can weaken the evidence behind a claim.
- Business structure decisions: Whether you work as a sole trader, within a partnership or through a limited company affects how profits are taxed and how you pay yourself. The right structure depends on your income level, risk profile and plans for the future.
- VAT and private practice growth: Where private work expands beyond the VAT registration threshold, VAT becomes part of the picture. How fees are structured and what can be reclaimed both need thought before the threshold is reached.
- Travel and mileage between sites: Moving between hospitals, surgeries, clinics and home visits may generate allowable claims, but the distinction between ordinary commuting and business travel is often misunderstood.
Why Doctors Choose CruseBurke
CruseBurke provides accounting and tax support built around the way doctors earn and spend. We understand that medical income rarely arrives in a straightforward pattern, and that a locum doctor’s records look very different from those of a GP partner or a consultant with private practice income. Our approach is to keep the technical side accurate while keeping the conversation clear, explaining what needs to be done, why it matters, and what information we need from you. We help keep bookkeeping and financial records organised, make sure Self Assessment and other filing obligations are handled properly, and provide practical advice on expenses, business structures and tax planning where these affect your circumstances. Whether you are newly qualified, building a private practice, working across several roles, or reviewing long-standing arrangements, we aim to give you straightforward guidance you can act on.
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 your accounting in order should not add to an already full schedule. The first step is a conversation about your circumstances, covering your employment arrangements and every source of income, whether that is an NHS salary, private fees, locum work, consultancy income or a share in a practice. From there, we review your accounting and tax requirements, looking at what you already have in place, where records may be incomplete, and where there may be opportunities to improve how things are structured. The final step is putting the right support in place, which may include ongoing bookkeeping, Self Assessment, annual accounts, payroll, VAT or tax planning, along with a clear view of what is needed from you and when. The aim is a straightforward, organised relationship rather than a scramble at filing time.
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 work apart is the focus on medical professionals and the range of financial situations they bring. We are comfortable handling a consultant’s mix of NHS pay, private practice income and medico-legal fees, a locum doctor’s irregular invoice-based earnings, and a practice partnership’s accounts, all within the same team. That means we can look at professional expenses properly, from indemnity cover and registration fees to equipment and training, and identify where claims are supported and where they are not. We also take the time to consider structure, whether that means remaining a sole trader, joining a partnership or operating through a limited company, and to explain the practical implications rather than simply filing the paperwork. Behind the scenes, we keep bookkeeping, Self Assessment, payroll and VAT compliance organised so that deadlines are met and the numbers are reliable. The result is accounting support that reflects the reality of medical work, not a generic service applied to a professional label.
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 benefit from one. If you are paid solely through PAYE with no additional income, your tax affairs may be straightforward. The picture changes once you take on locum shifts, private consultations, consultancy work, medico-legal reports or a share in a practice, because those income streams usually need reporting through Self Assessment and may bring allowable expenses and tax planning opportunities with them. An accountant can help make sure nothing is missed and that your returns reflect your circumstances accurately.
Your NHS salary is normally taxed through PAYE, and your private, locum or consultancy income is usually reported through Self Assessment alongside it. The key is making sure the two reconcile: the figures on your P60 need to match what you declare, and your private income needs to be recorded with supporting invoices and expense details. Treatment can vary depending on whether you are employed, self-employed or operating through a company, so your individual position matters.
Commonly claimed items include medical indemnity insurance, GMC and royal college or specialist society subscriptions, professional development and training costs, specialist equipment, and business travel or mileage between work locations. Whether a particular cost is allowable depends on the rules and on your circumstances, and expenses must be incurred wholly and exclusively for your work. Keeping receipts and clear records throughout the year makes the claim far easier to support.
Locum work usually means multiple paymasters, irregular income and expenses spread across different sites, so accurate records matter. It helps to keep a log of shifts worked, invoices raised, payments received, travel and mileage, and any costs such as indemnity cover or equipment. If you work through an agency or via an umbrella arrangement, the way you are paid affects how the income is taxed and reported.
It depends. A limited company can suit some doctors with substantial private practice or consultancy income, but it also brings additional responsibilities such as annual accounts, Corporation Tax, payroll and possible VAT registration. For others, working as a sole trader or within a partnership remains the simpler and more appropriate route. The right answer depends on your income levels, how you are engaged, your risk profile and your longer-term plans, and it is worth reviewing properly rather than assuming one option is always better.
Yes. Partnership accounting for a practice involves preparing the partnership accounts, allocating profit shares between partners, and dealing with each partner's own tax position. This can also involve payroll, VAT and pension considerations, depending on how the practice is run. Getting the profit allocation and the underlying records right helps avoid disagreements and keeps each partner's tax return accurate.
Many medical services are exempt from VAT, but not all activities are treated the same way, and the position can change as private work grows or as you provide non-medical services such as cosmetic treatments, medico-legal reports or room hire. If your taxable turnover approaches the registration threshold, it is worth reviewing your position before you are required to register, since how you structure fees and what you can reclaim both affect the outcome.
You can usually change accountants at any point, and it does not need to be disruptive. We would typically begin with a conversation about your income sources, current accounting arrangements and any outstanding filings, then request the necessary information from your previous accountant with your authorisation. From there, we confirm what support you need, whether that is Self Assessment, bookkeeping, annual accounts, payroll or broader tax planning, and agree how we will work together going forward.
Speak to an Expert
Take the Pressure Out of Tax Season — Specialist Accountants for Doctors in Loanhead: Get your income, expenses and filings organised with support built around medical careers.
Juggling NHS pay, private fees, locum invoices and consultancy income can quickly turn tax reporting into a headache, especially when receipts and records are spread across a busy year. CruseBurke helps doctors bring everything together through accurate Self Assessment and well-maintained bookkeeping, so your returns reflect the work you actually do and the expenses you are entitled to claim. If you would like a clearer, calmer approach to your accounting, get in touch and we will talk through your circumstances.