29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Lymm
Specialist accounting and tax support for doctors in Lymm, covering Self Assessment, NHS and private income, locum and consultancy earnings, bookkeeping and keeping your financial records organised throughout the year. Whether you work in a salaried NHS post, run a private practice or combine several forms of medical work, the right support helps you stay compliant, understand your tax position and plan ahead with confidence.
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Which Doctors Do We Support?
Doctors rarely fit neatly into one financial box. A GP partner, a salaried hospital doctor, a consultant with a private practice, a locum working through an agency and a doctor combining NHS sessions with private work can each face a different mix of tax and accounting questions. Your employment status, the number and type of income sources you have, and whether you work as a sole trader, through a partnership or via a limited company all shape what your accounts and tax returns need to cover. We support doctors across these arrangements — GPs, hospital doctors, consultants, locum and salaried doctors, private practitioners and those with a blend of NHS and private income — helping them understand their obligations and keep records in a form that makes Self Assessment, annual accounts and tax planning easier to manage.
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 and tax services shaped around how doctors actually earn. That can include preparing and filing Self Assessment tax returns where you have income beyond PAYE, such as private practice fees, locum shifts or consultancy work, and calculating payments on account so there are fewer surprises later. For doctors running a private practice, partnership or limited company, we can look after annual accounts, Corporation Tax, partnership tax returns, bookkeeping, payroll and VAT where it applies, alongside management accounts that help you see how the practice is performing. We also advise on business structures, whether that means moving from sole trader to limited company, admitting a partner or reviewing how income is drawn, and on tax planning around pension contributions, allowable professional expenses and the timing of income. Where you have both NHS and private income, we bring the different strands together into one coherent picture.
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
Doctor finances are often more layered than they first appear, and how each part of your work is taxed usually depends on how it is structured.
- Multiple income streams — NHS salary, private fees, locum shifts and consultancy work can each be treated differently, and keeping them clearly separated in your records makes Self Assessment far more straightforward.
- Self Assessment and payments on account — where you have income that is not taxed through PAYE, returns and advance payments need to be planned for rather than left until the filing date.
- Knowing what you can claim — medical indemnity, professional subscriptions and CPD may be allowable, but the rules differ between employment and self-employment, so it pays to check individual items rather than assume.
- Record keeping through the year — invoices, receipts, mileage logs and bank statements need to be kept in an organised way, particularly if you work across several hospitals, practices or sites.
- Choosing the right structure — sole trader, partnership and limited company arrangements each affect tax, National Insurance, administration and how you draw income, and the right answer depends on your own circumstances.
- Partnership and practice finances — GP partners and doctors in medical partnerships deal with profit shares, drawings, capital accounts and practice-level payroll or VAT questions alongside their personal tax position.
- Pension complexity — NHS pension contributions, annual allowance questions and private pension planning can interact with your tax position, so contributions are worth reviewing as part of wider planning.
- Overlapping employment and self-employment — doctors who hold an NHS post while also earning private or locum income need both sides reflected correctly in their reporting.
Why Choose CruseBurke for Doctor Accounting?
Doctors typically look for an accountant who already understands the shape of medical income, rather than one who needs the basics explained each year. We take the time to understand your contracts, your income sources and your professional costs, then build a way of working that keeps your records tidy and your filings on time. That includes practical support with Self Assessment, bookkeeping, payroll and business structure questions, plus clear explanations of why a particular tax treatment applies to your circumstances. We work with doctors in a range of arrangements, from salaried NHS posts and locum work to private practice and partnerships, and we explain things in plain English rather than jargon.
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 started is straightforward. First, we take time to understand how you work — your NHS post, private practice, locum shifts, consultancy work or a combination of these — along with your existing records and any concerns you have. Second, we review your accounting and tax requirements, looking at how your income is currently reported, what expenses you are claiming and whether your current structure still suits the way you work. Third, we put the right support in place, whether that is preparing your Self Assessment, taking over bookkeeping and payroll, or handling annual accounts for a practice or company, and we set out a clear timetable for the year ahead.
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 Our Approach to Doctor Accounting Different
What sets a specialist approach apart is the ability to see how the pieces fit together. A doctor earning NHS salary alongside private fees and locum income is not simply dealing with three numbers on a tax return; each stream can carry different rules on expenses, payments on account, pension contributions and reporting. We look at your affairs as a whole, making sure income is recorded correctly, allowable costs such as medical indemnity and professional subscriptions are captured where they apply, and your structure still makes sense as your career develops. That might mean advising on a move into private practice, reviewing how a partnership shares profits, or putting a bookkeeping routine in place that makes year end far less painful. Throughout, the aim is practical advice, plainly explained and tailored to your circumstances rather than a one-size-fits-all service.
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. If all of your income is taxed through PAYE and your affairs are straightforward, you may manage without one. Many doctors, however, have circumstances where specialist help adds real value — private practice income, locum or consultancy fees, a partnership, a limited company, or several income sources that all need reporting. An accountant can help you understand what HMRC expects, keep your records in order and plan for tax rather than reacting to it.
It depends on your income and circumstances. If you only receive a taxed NHS salary, you may not need to file. Where you have untaxed income, private practice fees, locum earnings, consultancy income, rental income or other sources, a return is usually required, and HMRC can ask you to file for other reasons too. It is worth checking your position rather than assuming.
NHS salary is normally taxed through PAYE, with tax deducted before it reaches you. Private practice, locum and consultancy income is generally reported through Self Assessment, and because no tax is deducted at source, payments on account towards the following year's liability often apply. Keeping private income and its related expenses recorded separately makes the return much easier to prepare accurately.
Locum work brings its own record-keeping needs: timesheets or invoices, agency statements, travel and mileage between sites, and any costs you personally incur such as indemnity cover or equipment. Depending on how you are engaged, there may also be off-payroll working considerations to review. Good records throughout the year make accurate reporting far simpler and help ensure you claim what you are entitled to.
Costs commonly claimed by doctors include medical indemnity insurance, professional subscriptions such as GMC and royal college fees, relevant training and CPD, and equipment or mileage where it relates to your work. The rules are stricter for employees than for the self-employed, and treatment depends on whether a cost was incurred for your employment, your practice or both. Individual items are worth checking rather than assuming.
Yes. If you run a private practice, work through a limited company or are a partner in a medical partnership, we can help with annual accounts, Corporation Tax, partnership tax returns, payroll, VAT where applicable, bookkeeping and management accounts. We can also advise on whether your current structure still suits your level of income and the way you want to work.
Pension contributions can affect your tax position, and doctors in the NHS pension scheme sometimes have questions about how contributions interact with their wider tax planning. We can factor pension contributions into your tax planning where relevant. For regulated pension and investment advice you may need a suitably qualified financial adviser, and we are happy to work alongside one.
Yes. We work with clients using secure document sharing and online communication, so distance does not need to be a barrier to getting good support. If you are moving from another accountant, the handover is usually handled by requesting professional clearance and obtaining the information we need from your previous adviser, once you have confirmed you would like us to act.
Speak to an Expert
Take the Stress Out of Doctor Tax Returns — Specialist Accountants for Doctors in Lymm
If your income arrives from several directions, such as an NHS salary alongside private fees, locum shifts or consultancy work, keeping everything accurate for Self Assessment can quickly become a chore. CruseBurke helps doctors bring those strands together with organised bookkeeping, careful recording of expenses such as medical indemnity and professional subscriptions, and well-planned tax returns, so deadlines stop being a source of anxiety. Get in touch to talk through your circumstances and see how our accounting and tax support could work for you.