29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Loughton
Doctors in Loughton rarely have a simple tax position. NHS salary, private fees, locum shifts and consultancy income can all arrive in different ways, at different times, and often need to be reported through Self Assessment. Specialist accounting support helps you keep those income streams organised, claim the professional expenses you are entitled to, and stay on top of bookkeeping and tax compliance without taking time away from patients. Our approach is built around how doctors actually work, so the advice you receive fits your employment arrangements, your income sources and your plans for the years ahead.
4.9/5.0
Google Reviews
⭐ What Clients Say About Us
See what doctors, dentists, and care providers say about working with us.
Which Doctors Do We Support?
Doctors do not fit into a single accounting mould, and the support you need will depend on how you are employed, how you are paid and whether you work in one setting or several. We support GPs, hospital doctors and consultants, salaried doctors on NHS contracts, locum doctors moving between placements, private practitioners building a patient base, and doctors who combine NHS work with private or medico-legal income. A salaried hospital doctor with a modest private practice may only need a straightforward Self Assessment and guidance on allowable expenses, while a locum working through multiple agencies may need help tracking income and keeping records in order. Doctors who run or join a practice often have wider requirements, including partnership accounts, payroll, VAT and profit-sharing arrangements. Consultants with private fee income may want to discuss whether a limited company or another structure suits their work. Whatever your situation, the starting point is the same: understanding your income sources, your employment status and your professional activities, then putting the right accounting and tax support in place for your circumstances.
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.
Accounting and Tax Services for Doctors
Our accounting and tax services are designed around the financial realities of medical work. For doctors with NHS income alongside private fees, locum payments or consultancy earnings, we prepare Self Assessment tax returns that bring every income source together and make clear what is being reported and why. We can manage bookkeeping so that invoices, receipts and bank transactions stay up to date throughout the year rather than becoming a year-end scramble. Where a doctor runs a private practice or works through a limited company, we prepare annual accounts and Corporation Tax computations, and provide payroll support for practice staff or for the director themselves. VAT registration and returns are relevant for some medical services and practice activities, and we can advise on how the rules apply to your particular work. We also provide tax planning that considers pension contributions, the timing of income, allowable professional expenses such as medical indemnity and professional subscriptions, and whether your current business structure continues to suit your plans. For doctors in partnership, we prepare partnership accounts, allocate profit shares and help with the agreement and reporting that sit behind them. Management accounts and financial reporting can be useful where a doctor wants a clearer view of how a practice or private income stream is performing during the year, not just at the end of it.
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.
Common Accounting and Tax Challenges Doctors Face
Medical careers often produce complicated financial lives. The challenges below are common considerations for doctors, though how far each one applies will depend on your employment status, income sources and individual circumstances.
- Multiple income streams: NHS salary or pension income, private fees, locum payments and consultancy earnings may all need to be reported, and each source can arrive with different paperwork and different tax treatment.
- Self Assessment deadlines: once you have any untaxed income, registration, filing and payment dates become your responsibility, and it is easy for them to collide with a busy clinical schedule.
- Allowable professional expenses: medical indemnity, professional body subscriptions, training and professional development costs, equipment, and travel or mileage can all affect your tax position, but only where they are genuinely incurred for your work.
- Record keeping through the year: invoices, receipts, mileage logs and bank statements need to be kept in an organised way, because reconstructing a year of private income at the last minute is both stressful and prone to error.
- Choosing the right business structure: operating as a sole trader, a partner or through a limited company changes how income is reported, how tax is paid and what administrative obligations follow.
- Locum and agency income: short placements across different trusts, practices or agencies can mean several payers and inconsistent documentation, which makes accurate reporting harder without a reliable system.
- Pension considerations: NHS pension contributions and any private pension arrangements can interact with your overall tax position, and the timing of contributions may matter.
- Practice and partnership finances: doctors who run or join a practice may need partnership accounts, profit share calculations, payroll for staff and VAT support, alongside the clinical demands of the role.
Why Doctors Choose CruseBurke for Accounting Support
Doctors choose an accountant because they want fewer loose ends, not more questions. CruseBurke provides accounting and tax support shaped around medical careers, which means we start by understanding how you are paid, how many income sources you have and what you want to achieve financially. From there, we deal with the technical work: preparing Self Assessment returns, keeping bookkeeping up to date, calculating tax liabilities, and advising on allowable expenses such as medical indemnity and professional subscriptions. We explain things in plain terms rather than jargon, so you understand the position you are in and the options available to you. We are equally comfortable supporting a salaried doctor with a small private practice and a consultant with several income streams, and we will always be clear about where a particular tax treatment depends on your individual circumstances. Good communication matters too, because doctors rarely have spare hours during the working day; we aim to make sure you know what is needed from you, when it is needed and why.
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 feel straightforward, even when your finances are not. First, we take time to understand your circumstances: whether you are salaried, working as a locum, running a private practice, holding a partnership role, or combining NHS income with private or consultancy work. Second, we review your accounting and tax requirements, including how your income is currently reported, whether your expenses are being captured properly, and whether your business structure still fits your plans. Third, we put the appropriate support in place, covering areas such as Self Assessment, bookkeeping, payroll, VAT, annual accounts and tax planning, and we agree how we will keep in touch so that deadlines do not creep up unnoticed. If you are moving from another accountant, we can talk through the handover as part of that process.
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 willingness to look at the whole picture rather than filing a return and moving on. Doctors often have a mix of NHS income, private fees, locum work, consultancy or medico-legal earnings, and each element can affect how the others are treated. We take the time to map that out, so that allowable professional expenses such as medical indemnity, professional subscriptions, training and mileage are identified where they genuinely apply, and so that income is reported consistently across all your sources. Where relevant, we advise on business structures, including whether a limited company or partnership arrangement suits the way you work, and on the bookkeeping, payroll, VAT and annual accounts obligations that follow from that choice. For doctors in practice, we can support partnership accounts and profit share reporting. Just as importantly, we are clear about the limits of any general position: tax treatment depends on your employment status, your income sources, your structure and your personal circumstances, and we will tell you when a decision needs to be based on your own figures rather than a rule of thumb.
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 whose entire income is taxed through PAYE, with no private work, locum shifts or other untaxed earnings, may have very little to file. But once you receive private fees, locum income, consultancy payments or any other untaxed source, you generally need to register for Self Assessment and report that income. An accountant can help you work out whether you need to file, make sure the return is accurate, and identify allowable expenses such as medical indemnity and professional subscriptions that you may otherwise miss.
Yes. This is one of the most common situations among the doctors we support. NHS salary is usually taxed through PAYE, while private fees are often paid gross and need to be reported through Self Assessment. We bring both together in one return, make sure the correct tax is paid, and look at whether expenses connected with your private work are being captured properly. The exact treatment depends on how your private income is structured.
Common examples include medical indemnity insurance, professional body and royal college subscriptions, relevant training and professional development costs, specialist equipment, and travel or mileage for work purposes. Whether a particular cost is allowable depends on why it was incurred and how it relates to your work, and expenses that are purely personal or relate only to employment that is already taxed through PAYE may not be claimable. We will review your spending and explain what can be included in your circumstances.
Locum work often involves several payers, agencies or placements across the tax year, which makes record keeping and accurate reporting more demanding. Depending on how you are engaged, your income may be taxed through PAYE, reported through Self Assessment, or both. We can help you keep track of payments received, match them against the documentation you have, and make sure your return reflects the full picture. If you are considering working through a limited company, we can also discuss whether that structure suits your arrangements.
There is no single answer, because it depends on your level of income, how you are engaged, your plans for the future and your wider financial position. Working through a limited company brings additional obligations, including annual accounts, Corporation Tax returns and payroll requirements for anyone paid through the company. For some doctors the structure works well; for others, operating as a sole trader or through a partnership is simpler and more appropriate. We can talk through the advantages and drawbacks in relation to your own circumstances.
Yes. Doctors who run or join a practice often need partnership accounts, profit share calculations, payroll for practice staff and, in some cases, VAT support. We can also help with the reporting that sits behind a partnership agreement and with reviewing how profits are allocated between partners. The requirements vary between practices, so we will look at your specific arrangements before recommending an approach.
As a general guide, you should keep records of all income received, expenses incurred, bank and credit card statements, invoices, receipts and mileage logs. These support the figures reported in your tax return. Keeping them organised throughout the year makes the filing process far quicker, and our bookkeeping service can handle this on your behalf if you would rather not manage it yourself. We can advise on the retention period that applies to your situation.
Switching accountants is usually a straightforward process. We will ask for some background on your income sources and current filing position, contact your existing accountant for the relevant records and professional clearance where needed, and confirm what information we need from you going forward. Many doctors prefer to work remotely, sharing documents securely and dealing with questions by phone or email around their working hours, and that approach works well for us. If you would like to discuss your situation first, get in touch and we can explain the next steps.
Speak to an Expert
Bring Your Medical Income Under Control with Accountants for Doctors in Loughton
Juggling NHS salary, private fees, locum invoices and consultancy income can turn tax compliance into a second job, and it is usually the record keeping that slips first. CruseBurke provides accounting support built around the way doctors work, from Self Assessment and bookkeeping to advice on allowable professional expenses and how your income is structured. Tell us about your circumstances and we will explain how we can help you keep everything organised and reported correctly.