29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Mablethorpe
Specialist accounting and tax support for doctors working in and around Mablethorpe, whether you are a GP, hospital doctor, consultant, locum or private practitioner. CruseBurke helps you keep your financial affairs organised, understand how NHS and private income are taxed, meet your Self Assessment and compliance obligations, and plan ahead with confidence through practical, jargon-free advice tailored to your circumstances.
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Which Doctors Do We Support?
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 built around the realities of medical work. For doctors with NHS income and private fees running side by side, we can prepare and file Self Assessment tax returns that bring all your income sources together, and help you identify allowable professional expenses such as medical indemnity cover, professional subscriptions, training and continuing professional development, specialist equipment, and business mileage where the rules permit. Where you operate privately, we can look after bookkeeping, management accounts and annual accounts, prepare and submit VAT returns if you are registered, and handle Corporation Tax and payroll if you trade through a limited company. Doctors working in partnership or running a practice may need help with partnership accounts, profit allocation and financial reporting, while locums and consultants often benefit from practical advice on how to structure their work as it grows. We also support wider tax planning, including pension considerations and how your income is split between employment and self-employment, being clear at every stage that the right treatment depends on your individual circumstances and the nature of each income stream.
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 Often Face
Medical careers rarely follow a single, tidy pattern, and the tax and accounting consequences of that can catch doctors out. These are some of the areas we help doctors work through.
- Managing NHS and private income together. Employment income is taxed through PAYE, while private fees, medico-legal work and consultancy income are usually taxed through Self Assessment. Combining the two accurately matters, particularly where higher or additional rate tax or restrictions on reliefs may apply.
- Multiple income streams and changing roles. A doctor who moves between salaried posts, locum shifts and private sessions in the same tax year can end up with several sets of records to reconcile, and it is easy to lose track of what has already been taxed.
- Self Assessment and record keeping. Gathering income details, expense receipts and mileage logs throughout the year makes the return far less painful, and reduces the risk of missed income or overstated claims if HMRC asks questions later.
- Allowable professional expenses. Medical indemnity insurance, GMC or specialty subscriptions, professional body fees, training and CPD costs, specialist equipment, and travel to temporary workplaces are common areas of confusion. Whether something is allowable depends on the rules and on whether it relates to your employment or self-employment.
- Pension considerations. Annual allowance charges and the interaction between NHS pension contributions, private income and tax relief can be complex. Getting the figures right matters, and the answer is different for every doctor.
- Choosing the right business structure. Working as a sole trader, in partnership or through a limited company each carries different tax, National Insurance and administrative consequences for private and locum work, and the best fit can change as your income grows.
- Practice and partnership finances. Doctors involved in running or partnering in a practice may need to deal with payroll, VAT, profit shares, drawings and financial reporting alongside their clinical work, which puts real pressure on time.
Why Doctors Choose CruseBurke
Doctors come to CruseBurke because they want an accountant who understands the shape of a medical career rather than one who needs the background explained from scratch. We take the time to map out where your income comes from, how it is taxed, and what you can legitimately claim, then keep your records and filings organised so nothing slips through the cracks. That means clear explanations in plain English, proactive reminders around compliance, and advice you can act on, whether you are a salaried doctor with a single payslip or a consultant juggling NHS sessions, private lists and locum work. We are also realistic about the fact that tax treatment varies: employment status, income source, business structure and personal circumstances all affect the answer, and we will tell you when something needs to be looked at individually rather than assuming one approach fits everyone. If you want an accountant who is responsive, organised and comfortable working with the financial arrangements doctors actually have, we are set up to help.
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 Doctors
Getting specialist accounting support in place should not add to an already full schedule. We keep it straightforward. First, we take the time to understand your circumstances, including how you are employed, whether you have NHS income, private fees, locum or consultancy income, and how your records are currently kept. Second, we review your accounting and tax position, looking at your income sources, business structure, expenses, and any upcoming filing or compliance requirements, and we explain what we find in plain English. Third, we put the right support in place, whether that is preparing your Self Assessment return, running your bookkeeping and payroll, filing accounts and Corporation Tax returns, handling VAT, or advising on structure and tax planning, with a clear point of contact for questions as things change.
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 us apart is the way we combine technical accounting knowledge with a genuine understanding of how doctors earn. We know that medical income rarely arrives in one neat package, so we start by separating employment income from self-employed fees, identifying which expenses are genuinely allowable, and flagging where a different business structure might be worth exploring. From there, we keep the day-to-day running smoothly, with bookkeeping that stays current, Self Assessment and company filings prepared on time, payroll and VAT handled where they apply, and management accounts that actually tell you something useful. Where doctors work in partnership or run a practice, we can support the partnership accounts, profit shares and reporting side as well. Just as importantly, we explain the reasoning behind our advice, so you understand why a particular treatment applies and what would change if your working pattern did, rather than being handed a set of numbers without context.
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 you are salaried with tax handled entirely through PAYE and no other income, your tax affairs may be relatively simple. However, once you have private fees, locum income, consultancy or medico-legal work, investment or rental income, or a tax position affected by pension contributions, Self Assessment becomes part of your year. An accountant can help you report the right figures, claim the expenses you are entitled to, and avoid unwelcome correspondence from HMRC. Many doctors also value the reassurance of someone checking their position each year rather than reviewing it only when something goes wrong.
Your NHS salary is normally taxed through PAYE, so it is largely dealt with before it reaches you. Private fees, locum payments and consultancy income usually are not, which means they need to be reported through Self Assessment. In practice, you bring all your income sources together on the return, claim allowable expenses against the self-employed side, and the tax already paid through PAYE is credited against your overall liability. The interaction can affect your effective rate of tax, so it is worth reviewing rather than simply assuming the PAYE position is correct.
Common claims include medical indemnity and professional indemnity premiums, GMC and specialty or professional body subscriptions, training and continuing professional development that maintains or updates your existing skills, specialist equipment or reference materials you pay for yourself, and business travel or mileage to temporary or temporary-ish workplaces. Whether a particular cost is allowable depends on the rules and on whether it relates to your employment or self-employment, and some employment expenses must be claimed through HMRC rather than your tax return. We will look at your own expenditure and tell you clearly what can and cannot be claimed.
Locum work is generally treated as self-employment when you are engaged on that basis, which means you report your income and expenses through Self Assessment and may need to register with HMRC in time. Some locum posts are instead paid through payroll, in which case tax is deducted at source. The distinction affects your record keeping, your National Insurance position and your pension arrangements, so it is worth getting clear on how each engagement is structured before the tax year ends.
There is no universal answer. Whether a limited company is beneficial depends on your level of private income, how you are engaged, your pension position, your existing employment, and your longer-term plans. A company can offer flexibility over how profit is extracted, but it also brings filing obligations, payroll, potential VAT registration and additional administrative cost. This is a decision worth working through properly rather than copying what a colleague has done, and the right answer for you can change as your income mix changes.
VAT treatment for medical services is not always straightforward, and liability can depend on the nature of the service, who provides it and the context in which it is supplied. Some medical services are exempt, while others, including certain cosmetic or non-medical services, may be standard rated. If you are registered, or approaching the point where registration may be required, we can review your position, handle your returns and help you keep the supporting records in order. It is best to check before you register or start invoicing rather than after.
Yes. Much of what we do for doctors is based on documents, figures and conversations rather than location, and we work with clients using secure digital sharing, email and video or telephone calls. You keep a clear point of contact for questions, and your records can be shared as and when they are ready rather than held until a physical meeting. That said, we will always be clear about how we prefer to work and what you need to send us and when.
Switching is usually more straightforward than doctors expect. Once you decide to move, we ask for your authorisation to contact your existing accountant, and we request the handover information we need, such as your previous accounts, tax returns and HMRC correspondence. If you have outstanding filings or records still to be written up, we will identify those early so nothing is missed. Existing accountants are professionally obliged to hand over information promptly once authorisation is in place, so the process tends to run smoothly as long as you get in touch before any deadlines are pressing.
Speak to an Expert
Make Your Medical Income Easier to Manage with Accountants for Doctors in Mablethorpe
If sorting out NHS and private income, tracking receipts and mileage, or filing your Self Assessment has become another task at the end of a long day, CruseBurke can take it off your hands. We handle the bookkeeping, tax returns, payroll and compliance work that sits behind your clinical income, and we explain what it all means in language that makes sense. Get in touch to talk through your circumstances and find out how our accounting support for doctors could work for you.