29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Maybole
Specialist accountants for doctors in Maybole, helping you keep your tax affairs in order whether you work as a GP, hospital doctor, consultant, locum or private practitioner. From Self Assessment and multiple income sources to NHS and private earnings, bookkeeping and expense claims, we provide clear, practical accounting support shaped around the way doctors actually work.
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Which Doctors Do We Support?
Doctors rarely fit into a single financial mould, and our accounting support is designed around that reality. We work with GPs in salaried, partner or locum roles, hospital doctors and consultants, doctors who hold substantive NHS posts alongside private practice, and clinicians who take on locum shifts, advisory work or medico-legal consultancy. We also support doctors who run their own private clinics, work through a limited company, or hold a partnership share in a practice, as well as those who are newly qualified, approaching retirement or returning to work after a career break. Their accounting needs differ considerably: a salaried hospital doctor with a single NHS payslip has a very different position from a GP partner with practice profits, or a private practitioner invoicing patients directly and registered for VAT. Income sources, employment status, business structure, pension contributions and the level of professional expenses all influence what is required, and we take the time to understand yours before recommending anything.
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 services are built around the accounting and tax obligations that come with a medical career, whether you are employed, self-employed or working across both. For doctors with self-employed income, we prepare and file Self Assessment tax returns covering locum earnings, private consultations, consultancy fees and other professional income, making sure allowable expenses such as medical indemnity cover, professional subscriptions, training, equipment and business mileage are properly considered. If you run a private practice or consultancy through a limited company, we can handle annual accounts, Corporation Tax, payroll, VAT returns and director responsibilities, as well as management accounts if you want a clearer view of profitability. Where you hold a partnership share in a GP or specialist practice, we help with partnership accounts, profit allocation and the associated tax returns. We also advise on business structure, whether that means staying as a sole trader, forming a limited company or restructuring how profits are drawn, and on how NHS pension contributions, private income and multiple roles interact with your overall tax position. Bookkeeping support is available for doctors who want their records organised throughout the year rather than reconstructed at the deadline, and we can assist with HMRC correspondence and compliance queries as they arise.
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
Doctors frequently deal with a set of financial circumstances that general accountants may not see often. The points below are common considerations, although how they apply depends on your employment status, income sources, business structure and individual situation.
- Multiple income streams running side by side. A single doctor may receive a salaried NHS income, locum payments, private fees and occasional consultancy or medico-legal income in the same tax year, and each needs to be recorded and reported correctly.
- Self Assessment where no one else is managing it. Employed doctors sometimes assume PAYE covers everything, but locum, private and other untaxed income usually needs to be reported, and HMRC may need to adjust your tax code to collect what is owed.
- Understanding which expenses genuinely qualify. Medical indemnity, GMC and specialist registration fees, professional body subscriptions, journals, and certain training costs are commonly claimed, but eligibility can depend on whether the cost relates to your current work or is required to keep practising.
- Travel, mileage and the cost of working across sites. Doctors who travel between hospitals, practices, clinics or patient visits often have a legitimate claim, while ordinary commuting generally does not, and the distinction matters when the amounts involved are significant.
- Pension contributions and annual allowance considerations. NHS pension accrual, additional private contributions and the interaction between them can create tax complications, particularly for higher earners, so it is worth reviewing the position rather than assuming it is straightforward.
- Record keeping that keeps pace with the year. Documents arrive from several sources, including payroll, locum agencies, private patients and practice accounts, and if they are not gathered as you go, building a complete picture at the deadline becomes unnecessarily stressful.
- Choosing and maintaining the right business structure. Salaried employment, sole trader status, partnership and limited company each carry different tax and reporting consequences, and a structure that suited you earlier in your career may no longer fit.
- Practice and partnership finances. GP partners and doctors in partnership arrangements deal with drawings, profit shares, practice overheads and capital accounts, which need careful handling to keep both the business and personal tax positions accurate.
Why Doctors Choose CruseBurke
Doctors come to CruseBurke because they want an accountant who recognises that medical careers do not follow a conventional pattern. We take the time to map out your actual income sources, your employment arrangements and your plans, then explain what that means for your tax position in plain English rather than jargon. You will get practical guidance on Self Assessment, allowable professional expenses, bookkeeping and business structure, along with support keeping records organised so deadlines are approached calmly instead of in a rush. Because doctors work in many different ways, we tailor our approach to your circumstances, whether you are a salaried clinician with one employer, a locum juggling several agencies, a consultant with private practice income, or a partner in a practice. Clear communication, accurate filing and advice you can act on are at the centre of what we do, and we are happy to work with you remotely or however suits your working week.
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 your accounting in order should not add to an already full diary, so we keep the process straightforward. First, we start with a conversation about how you work and what you earn, covering NHS salary, locum shifts, private fees, consultancy income, practice profits or any combination of these, along with the records you currently hold. Second, we review your accounting and tax requirements against that picture, identifying what needs to be filed, what expenses may be available to you, how your structure affects your position, and where there are gaps in your current arrangements. Third, we put the right support in place, whether that means handling your Self Assessment, setting up bookkeeping, preparing annual accounts and Corporation Tax returns, running payroll and VAT, or providing ongoing advice as your role changes. From there, we stay in contact so that nothing is left until the last minute.
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
What sets our work apart is the way we approach doctors’ finances as a whole rather than as a series of isolated tax returns. We look at how each element fits together: NHS employment alongside private income, locum earnings reported correctly, consultancy fees, practice or partnership profits, pension contributions and the professional expenses that genuinely relate to your work. That joined-up view influences the advice you receive on business structure, on whether a limited company is appropriate, on how to organise bookkeeping through the year, and on how to prepare for Self Assessment without last-minute scrambling. We also keep the language accessible, so you understand the reasoning behind the numbers and can make informed decisions about your finances. Whether your circumstances are settled or changing quickly, our focus is on accurate compliance, sensible tax planning and a service that respects the demands of clinical work.
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 employed on a straightforward NHS contract with no other income, your PAYE position may be relatively simple, although it is still worth checking that your tax code is correct, particularly if you have pension contributions or professional expenses. If you take on locum shifts, private patients, consultancy work, medico-legal reports or a practice partnership, you will generally need to report that income through Self Assessment, and an accountant can help ensure it is calculated and recorded accurately.
Locum work is usually treated as self-employment, which means you report your income and expenses on a Self Assessment tax return and pay Income Tax and Class 2 and Class 4 National Insurance as applicable. Expenses that are wholly and exclusively related to the locum work, such as travel between sites, indemnity cover and professional subscriptions, may be allowable, but the position depends on the specifics of your arrangements, including whether an agency treats you as employed or self-employed.
Commonly considered items include medical indemnity and defence union subscriptions, GMC and specialist registration fees, professional body memberships, medical journals, and certain training and equipment costs. Travel and mileage for work-related journeys may also qualify, as can a proportion of home office costs where there is genuine business use. The key test is whether an expense is incurred wholly and exclusively for your work, and eligibility is not identical for every doctor, so it is worth reviewing before you claim.
Your NHS salary is normally taxed through PAYE, while private fees, locum earnings and consultancy income generally need to be reported separately through Self Assessment. HMRC looks at your total income for the year when determining your tax position, which can affect the rate you pay and may also influence how much pension annual allowance you have available. Keeping clear records of both income streams makes the return much easier to prepare accurately.
It can be worth considering, but it is not automatically the right answer. A limited company may suit some private practitioners and consultants, depending on how profits are drawn, how much you need to retain in the business, and your wider income and pension position. It also brings additional obligations such as annual accounts, Corporation Tax returns, payroll and possibly VAT. The right structure depends on your individual circumstances, so this is a decision worth taking advice on rather than assuming.
It can. NHS pension accrual counts towards your annual allowance, and for doctors with high total income, including private work, there may be tax charges to consider. Pension contributions also interact with how your overall income is taxed, and the rules have changed in recent years. Because the outcome depends on your earnings, contribution history and other income, a review of your specific position is more useful than a general rule of thumb.
Many doctors providing medical services are exempt from VAT, and healthcare services that fall within the relevant exemption are generally outside the scope of VAT registration. However, the position can be different for certain consultancy, medico-legal, cosmetic or non-medical services, and for mixed businesses. If your turnover or the nature of your work changes, it is worth checking whether registration is required or beneficial.
Yes. Much of the accounting and tax work doctors need can be handled remotely, with documents shared securely and conversations held by phone or video at times that fit around clinics and on-call rotas. What matters most is that we understand your income sources and arrangements clearly, and that you have a straightforward way to ask questions when something changes.
It is usually more straightforward than doctors expect. We ask for details of your current position and your previous accountant's information, then handle the professional handover of records and correspondence with HMRC on your behalf. Once we have the information we need, we review your affairs and confirm what needs to be filed and by when, so the transition does not interrupt your compliance.
It begins with a conversation about how you work and what you earn, including NHS salary, locum income, private fees, consultancy work or practice profits, along with any concerns you have about your current tax position. From there we review what is required, explain the options open to you and put the appropriate accounting support in place. If you would like to talk through your circumstances, get in touch and we will take it from there.
Speak to an Expert
Take the Stress Out of Tax Season With Accountants for Doctors in Maybole
Juggling NHS pay, locum shifts, private fees and the paperwork that comes with all of them can leave little time to think about tax deadlines. CruseBurke helps doctors bring that under control, with Self Assessment preparation, organised bookkeeping and practical advice on expenses and business structure tailored to how you actually work. If you would like your financial affairs handled with clarity and care, get in touch with our team and we will talk through your situation.