29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Lowestoft
Specialist accounting support for doctors working in Lowestoft, whether you are a GP, hospital doctor, consultant, locum or private practitioner. From Self Assessment and NHS or private income to bookkeeping, tax returns and forward-looking tax planning, we help you keep your financial affairs accurate, organised and compliant so you can focus on patients rather than paperwork.
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Which Doctors Do We Support?
Doctors rarely fit neatly into a single category, and their accounting needs tend to reflect that. We support GPs and GP partners, hospital doctors and consultants, salaried doctors working within the NHS, locum doctors moving between contracts, private practitioners building a patient list, and doctors who combine NHS work with private fees, medico-legal reports, teaching or consultancy. A salaried hospital doctor with one employer has a very different tax position to a locum doctor paid through multiple agencies, or a consultant running a private practice alongside NHS commitments. Income sources, employment status, whether you work as a sole trader, partner or through a limited company, and the level of expenses you incur all influence what needs to be reported and how it should be structured. If your circumstances change — a new contract, a reduction in sessions, a first private patient, a move into partnership — your accounting arrangements may need to change with them. The aim is to give doctors in Lowestoft accounting support that reflects the reality of their working life rather than a one-size-fits-all 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.
Accounting and Tax Services for Doctors
Our work with doctors covers the full range of accounting and tax obligations that medical careers tend to generate. That includes Self Assessment tax returns for doctors with NHS income, private income, locum earnings or consultancy fees, and the preparation and filing of those returns using properly categorised records. For doctors running a private practice, we can handle annual accounts, bookkeeping and management accounts, along with Corporation Tax where a limited company is involved, or partnership accounts and partner tax returns where a practice is run as a partnership. Payroll support may be relevant if you employ practice staff, receptionists, secretaries or associates, and VAT advice is worth considering where private medical services or associated products cross the relevant thresholds. Alongside compliance, there is the planning side: reviewing your business structure, considering how your income is split between NHS and private work, identifying allowable professional expenses, and thinking about pension contributions in the context of your overall tax position. For many doctors, the value lies in having income from several sources pulled together into a clear picture, with deadlines tracked and records kept in a form that stands up to scrutiny.
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 Face
Medical careers create a distinctive mix of tax and accounting issues, and they rarely stay static. The challenges below are ones doctors commonly encounter, though the impact will always depend on your own working arrangements, income sources and structure.
- Multiple income streams — NHS salary or pension income sitting alongside private fees, locum payments or consultancy work means each source may need to be reported differently, and the totals need to reconcile.
- Self Assessment and deadlines — filing and payment dates arrive whether or not the paperwork is ready, and late submissions can lead to penalties and interest that are entirely avoidable.
- Allowable expenses — medical indemnity cover, GMC and royal college subscriptions, mandatory training, CPD, specialist equipment and business mileage may be claimable, but only where the rules are met and the records support them.
- Pension considerations — NHS Pension Scheme contributions, annual allowance questions and private pension arrangements can interact with your tax position, and the earlier these are reviewed the more options tend to be available.
- Business structures — working as a sole trader, in a partnership or through a limited company changes how income is reported and taxed, and the right choice depends on your circumstances rather than a general rule.
- Record keeping and administration — invoices, receipts, mileage logs, agency statements and NHS payslips all feed into the return, and a year of disorganised paperwork quickly becomes a stressful deadline.
- Practice and VAT matters — doctors running private clinics or practices may need to consider VAT registration, invoicing and periodic reporting alongside payroll for any staff they employ.
- Changing circumstances — a new contract, a move from locum to salaried work, or the first year of private practice can change your reporting obligations, and those transitions are best planned for rather than discovered afterwards.
Why Doctors Choose CruseBurke
Doctors choose CruseBurke because they want an accountant who recognises the shape of a medical career and the way income from NHS work, private practice, locum contracts and consultancy can overlap. Rather than treating you as a generic taxpayer, we take the time to understand how you earn, what you spend in the course of your work, and what you want your finances to look like over the next few years. That understanding feeds into practical advice: which expenses can properly be claimed, how to keep records in a form that makes your return straightforward, how to structure your work if you are considering a limited company or partnership, and how to stay on top of filing and payment obligations without last-minute panic. We communicate in plain English, keep you informed of what is due and when, and adapt our support as your circumstances change. For doctors in Lowestoft, the result is accounting and tax support that is organised, compliant and genuinely useful, whether you are an employee with a small private income or you are running a practice with staff and multiple revenue streams.
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 be complicated, and we keep the process clear from the start. First, we take the time to understand your circumstances: your role, whether you are salaried, locum, private or a mix, and where your income comes from, including NHS earnings, private fees, consultancy work or practice profits. Second, we review your accounting and tax requirements, looking at what needs to be filed, when, what records you already hold, and whether your current structure still fits your working arrangements. Third, we put the appropriate support in place, covering the areas that matter to you, such as Self Assessment, bookkeeping, annual accounts, payroll or VAT, with a clear view of what is expected from both sides. From there, we keep things organised through the year so that deadlines are met and your financial information stays up to date.
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 with doctors apart is the way we handle complexity without making it feel complicated. Doctors often arrive with income spread across several sources, a mixture of employment and self-employment, and expenses they are not sure how to treat. We start by mapping that out properly, so that NHS income, private fees, locum earnings, consultancy payments and practice profits are each reported correctly and nothing is overlooked. From there we look at the detail that makes a real difference: whether medical indemnity and professional subscriptions have been claimed where permitted, how travel and mileage records are kept, whether a limited company or partnership would suit your work better, and how your pension position interacts with your tax. Bookkeeping is set up in a way that suits how you actually work, and Self Assessment is prepared from organised information rather than a scramble at the deadline. Where you have staff or a practice to run, payroll, VAT and periodic reporting are handled alongside your personal tax affairs, giving you one coherent picture of your finances rather than disconnected pieces.
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. A doctor with a single NHS salary and no other income may have relatively straightforward affairs, although pension and expense questions can still arise. Once you add private fees, locum income, consultancy work, a practice, or a partnership, the reporting becomes more involved and the scope for missed expenses or incorrect treatment grows. An accountant who regularly deals with medical income can help you report each source correctly and keep the administrative side manageable.
If you have untaxed income, such as private fees, locum earnings or consultancy payments, you will usually need to file a Self Assessment return even though your NHS salary is taxed through PAYE. Both need to be brought together on the return, with the private income and any allowable expenses reported alongside your employment details. Keeping accurate records of private invoices, agency statements and business costs throughout the year makes the return far quicker to prepare and reduces the risk of errors.
Expenses must be incurred wholly and exclusively for your work, and what qualifies depends on your circumstances. Costs that doctors commonly look at include medical indemnity insurance, GMC and royal college or specialist society subscriptions, mandatory training and CPD, professional books and journals, specialist equipment, and business travel or mileage between sites. Some expenses are only claimable where you are self-employed rather than employed, and the treatment of items like clothing or home office costs is often misunderstood, so it is worth checking your position rather than assuming.
Locum work is usually treated as self-employment, which means registering with HMRC, keeping records of income and expenses, and filing a Self Assessment return. Payments may arrive from several agencies, trusts or practices, and each needs to be accounted for. Because you are responsible for your own tax and National Insurance rather than having them deducted, budgeting for the eventual bill matters, and allowable costs such as travel between contracts, indemnity cover and equipment can be claimed where they meet the rules.
It depends on your circumstances, including your income level, how you are engaged, IR35 considerations and your longer-term plans. A limited company can suit some doctors with substantial private or consultancy income, bringing Corporation Tax, company accounts and possibly payroll obligations into play, while for others a sole trader or partnership structure remains simpler and more appropriate. We look at the whole picture rather than recommending a structure on the basis of a general rule.
Where a practice operates as a partnership, we prepare the partnership accounts and the resulting partnership tax return, then reflect each partner's share of profits on their individual returns. We also consider how profits are shared, how practice expenses and drawings are recorded, and how changes in the partnership, such as a new partner joining or a partner retiring, affect the figures. Accurate bookkeeping through the year makes the year-end process considerably smoother.
Yes. Many doctors prefer to handle their accounting remotely, sharing documents securely and communicating by email, phone or video call at times that fit around clinics and on-call commitments. The process works in the same way as a face-to-face arrangement: we gather your information, keep your records organised, prepare and file what is required, and stay in touch about deadlines and planning points as they arise.
Changing accountants is usually more straightforward than doctors expect. Once you decide to move, we can contact your existing accountant for the professional clearance and information we need, including your records and details of your tax position. You do not need to handle that side yourself, and we will let you know what information is useful to have ready, such as recent returns, accounts, and details of your income sources. From there we agree what support you need and when.
Speak to an Expert
Take the Pressure Out of Tax Season with Accountants for Doctors in Lowestoft
If your income arrives from several directions — NHS salary, private fees, locum contracts or consultancy work — keeping it all straight can become a job in itself. CruseBurke can help by bringing your Self Assessment, bookkeeping and allowable professional expenses into one organised set of records, so filing deadlines stop being a source of stress. Whether your circumstances are simple or genuinely complex, we would be glad to talk through what you need and how we can support you.