29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Lostwithiel
Specialist accounting and tax support for doctors working in Lostwithiel and the surrounding area. 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 the wider tax planning decisions that come with a medical career. Our aim is straightforward: clear advice, well-organised records and tax compliance handled properly, so you can focus on patients rather than paperwork.
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Which Doctors Do We Support?
We work with doctors across a broad range of roles and working arrangements, because no two medical careers look the same. That includes salaried GPs and GP partners, hospital doctors and consultants, locum doctors moving between contracts, doctors with NHS income alone, doctors earning private medical income, and those combining NHS work with private practice, medico-legal work or consultancy. It also includes doctors building a private clinic, joining or leaving a partnership, or taking on teaching, research and advisory roles alongside clinical work.
The accounting and tax considerations differ depending on your circumstances. A salaried doctor on PAYE may need little more than a tax return for additional income and a clear understanding of what can be claimed. A locum or private practitioner is more likely to need bookkeeping, records of income and expenses, and support with Self Assessment and possibly VAT. A GP partner or practice owner may need partnership accounts, profit allocation advice and help understanding how practice income flows through to a personal tax position. A doctor with several income streams needs those streams reconciled properly. Where you sit on that spectrum shapes the advice you need, and we tailor our support accordingly rather than applying a single approach to every doctor.
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 in Lostwithiel
Our accounting and tax services are built around the realities of medical work. For many doctors, the starting point is Self Assessment — preparing and filing tax returns that accurately reflect NHS income, private medical income, locum earnings, consultancy fees and any other professional income, with the allowable expenses that apply to your work claimed properly.
For doctors in private practice, locum work or consultancy, we provide bookkeeping to keep income and expenses recorded cleanly through the year, along with annual accounts and, where relevant, Corporation Tax returns and payroll. We can advise on business structure — sole trader, partnership or limited company — and explain how each affects your tax position, record keeping and compliance obligations. VAT advice is available where private medical income, cosmetic or non-exempt services, or mixed NHS and private work bring VAT into scope.
Beyond compliance, we support tax planning around multiple income sources, pension considerations, partnership profit shares and the timing of income and expenditure. We also prepare management accounts and financial reporting for doctors running a practice or a separate medical business, so you can see how things are performing rather than only reviewing the figures once a year. Every service is matched to your actual circumstances, because what a salaried consultant needs and what a private practitioner with a limited company needs are genuinely different.
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
Doctors often carry a combination of employment, self-employment and business income, each with its own reporting and record-keeping requirements. Some of the more common accounting and tax considerations include the following.
- Multiple income sources running side by side. NHS salary, private fees, locum shifts and consultancy work may all arrive through different routes and on different timescales, which makes it easy to lose sight of your total taxable income and harder to set aside the right amount for tax.
- Self Assessment alongside PAYE. Salaried doctors with additional income still need to report it, and payments on account can catch people out if the extra income is not planned for during the year.
- Working out allowable professional expenses. Medical indemnity, professional subscriptions, training and professional development, specialist equipment, and travel or mileage for work-related journeys can all be relevant — but only where the expense genuinely relates to your work and the rules are met. Claiming too much creates risk; claiming too little means paying more tax than necessary.
- Locum income and irregular working patterns. Shift-based work means income varies month to month, and expenses such as travel between sites, agency fees and equipment need to be recorded consistently if they are going to be claimed correctly.
- Choosing and maintaining the right business structure. Whether private work should sit in a sole trader arrangement, a partnership or a limited company depends on your level of income, how you work and your longer-term plans, and the answer can change over time.
- Partnership and practice finances. GP partners and doctors in partnership arrangements need accurate profit shares, partnership accounts and clear records, with personal tax consequences that flow directly from the partnership's results.
- Pension considerations. Annual allowance and contribution questions can affect higher-earning doctors significantly, and pension decisions often interact with overall tax planning in ways that benefit from joined-up advice.
- Keeping records organised and meeting deadlines. Receipts, invoices and bank records need to be maintained as you go. Leaving everything to the last minute increases the risk of missed income, unclaimed expenses and unnecessary pressure at filing time.
Why Doctors Choose CruseBurke for Accounting and Tax Support
CruseBurke provides accounting and tax support shaped around the way doctors actually earn. We understand that medical income rarely arrives through a single channel, and that the tax treatment of NHS salary, private fees, locum shifts and consultancy work is not identical. That understanding means we ask the right questions early and build records and returns that reflect your real position rather than a simplified version of it.
We aim to make the accounting side of your working life easier to manage. That means clear communication in plain language, practical advice you can act on, and a structured approach to bookkeeping and record keeping that keeps things organised through the year. We help you stay compliant with your filing and reporting obligations while making sure the reliefs and expenses you are entitled to are considered properly.
Just as importantly, we work with doctors in different circumstances — salaried, self-employed, in partnership or running a limited company — and adapt our support to suit. If your working arrangements change, whether that means taking on more private work, reducing NHS sessions or restructuring how you operate, we can help you review the accounting and tax implications rather than simply react to them after the fact.
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 be complicated. The first step is a conversation about your circumstances — how you work, whether you have NHS income, private medical income, locum earnings, consultancy fees or a mixture of these, how your income is currently reported, and what is causing you difficulty or uncertainty.
From there, we review your accounting and tax requirements in detail. That includes looking at your existing records, tax returns and filing position, identifying any gaps or risks, and clarifying which services you actually need — whether that is Self Assessment, bookkeeping, limited company accounts and Corporation Tax, partnership accounts, payroll or VAT.
The third step is putting the right support in place. We agree how we will work together, set out what information you need to provide and when, and establish a routine that keeps your records up to date and your filings on track. If your circumstances change during the year, we can adjust as we go.
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 way we handle complexity. Doctors frequently hold several sources of income at once, and each one has its own reporting, expense and record-keeping implications. Rather than treating these as separate jobs, we look at the whole picture — how NHS income, private fees, locum work and consultancy interact, how they flow into your Self Assessment, and what that means for your tax position and planning.
We also pay close attention to the detail that often gets overlooked. Professional expenses such as medical indemnity, professional subscriptions, training and equipment are only valuable if they are identified, correctly treated and properly documented, and that requires a bookkeeping process that is consistent rather than last minute. For doctors in business structures, we keep the accounts, partnership returns and Corporation Tax position aligned with the personal tax consequences, so nothing is dealt with in isolation.
The result is accounting support that is specialist rather than generic, practical rather than theoretical, and organised rather than reactive — with advice explained clearly enough that you can make informed decisions about your own financial affairs.
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 your only income is a straightforward NHS salary taxed through PAYE and you have no additional income or claims, your tax position may be relatively simple. However, many doctors do have additional income — private fees, locum shifts, consultancy, medico-legal work, teaching or rental income — and that usually means a Self Assessment return, careful record keeping and decisions about allowable expenses. Doctors in partnership, running a practice or operating through a limited company almost always benefit from specialist support. A short conversation is usually enough to establish whether you need ongoing help or just one-off advice.
Your NHS salary is normally taxed through PAYE, but it still needs to be included on your Self Assessment return alongside any private medical income, locum earnings or consultancy fees. Depending on your total income and the tax already deducted, you may have additional tax to pay, and payments on account can apply. The practical challenges are making sure all income is captured, that allowable expenses relating to private and additional work are claimed correctly, and that you have set aside enough to meet the liability when it falls due.
Common examples include medical indemnity or professional indemnity insurance, professional body subscriptions, costs of training and professional development that relate to your existing work, specialist equipment and uniforms where appropriate, and travel or mileage for genuinely work-related journeys. The rules are specific, and treatment can differ depending on whether the expense relates to employment, self-employment or a limited company. Some expenses that seem obviously claimable are not, and others that doctors often overlook are. We look at your actual expenditure rather than working from a general list.
Locum doctors often work as self-employed sole traders, which means income and expenses are reported through Self Assessment rather than taxed under PAYE. That brings obligations around bookkeeping, record keeping and, in some cases, registering for VAT. Because locum income is irregular, planning for tax during the year matters more than it does for a fixed salary. Some locums choose to operate through a limited company, and whether that is worthwhile depends on your level of income and how you work — it is a decision worth reviewing rather than assuming.
Not automatically. A limited company can be appropriate for doctors with substantial private, locum or consultancy income, and it changes how you pay tax, how accounts and Corporation Tax returns are prepared, and how you take money out of the business. But it also brings additional compliance and administrative responsibilities. For others, sole trader or partnership arrangements remain more suitable. The right answer depends on your income levels, your mix of NHS and private work, your pension position and your longer-term plans, so it is worth examining properly before making a change.
Yes. Doctors in partnership — including GP partners and those in shared private practices — need partnership accounts, agreed profit shares and a clear understanding of how partnership profits feed into each partner's personal tax position. We prepare the accounts and returns, keep the underlying bookkeeping organised, and explain the personal consequences of the partnership's results so there are no surprises at filing time.
We work with clients remotely as well as through arranged meetings, using secure digital records and communication, which suits doctors whose working patterns are unpredictable. Changing accountants partway through the year is usually straightforward — we handle the handover with your existing adviser, obtain the necessary records and authorisations, and make sure nothing is missed in the transition. It is worth starting the process before a filing deadline rather than closer to it.
It begins with a conversation about how you work and what you need. We will ask about your income sources — NHS, private, locum, consultancy or a combination — your current accounting arrangements, your business structure and any concerns you have about tax or record keeping. From there we review your position and explain what support would be appropriate, what it involves, and what we need from you. You are under no obligation to proceed until you are comfortable with the approach.
Speak to an Expert
Take the Pressure Out of Your Tax and Accounting Obligations If you are juggling NHS income, private fees and locum work, we can help you keep it all in order.
When income arrives from several directions, the risk of missed expenses, incomplete records and an unexpected tax bill grows quietly in the background. CruseBurke provides Self Assessment preparation and ongoing bookkeeping for doctors, making sure your NHS, private and locum income is reported accurately and your allowable professional expenses are properly considered. If you would like your position reviewed and a clearer picture of what needs to be filed and when, get in touch with our team to arrange an initial conversation.