You need to file if you are self-employed, a company director receiving dividends or a salary above the PAYE threshold, a landlord with rental income, or an individual with income from savings, investments, or overseas sources. HMRC also requires a return from anyone who earned over £100,000 in the tax year, regardless of whether tax was collected via PAYE. If you are not certain whether you need to file, we can confirm that quickly before you commit to anything.

The fee covers preparation of your SA100 personal tax return and SA302 tax calculation, covering all income sources you need to report. It includes identifying and claiming applicable allowances and reliefs, a review of your figures with you before filing, and submission to HMRC with confirmation. There is no extra charge for multiple income sources or for answering questions during the process. More complex returns (for example, those involving capital gains tax on property disposals or EIS/SEIS claims) may carry an additional charge, which we would confirm before starting.

Incomplete records are not unusual, and they are not a reason to delay. We will tell you exactly what we need and work with what you have. If you have missed a previous year’s return, we can handle that too. Late filing penalties are applied by HMRC on a fixed scale, and getting the return submitted sooner rather than later stops them accumulating. We will let you know what the position is before we start.

No contract and no commitment. The £150 fee covers a single tax year’s return. If you would like us to handle next year’s return as well, you simply come back when the time is right. A number of clients do return each year because it is considerably less effort than doing it themselves, but that is entirely your choice.

The online Self Assessment deadline is 31 January following the end of the tax year. Miss it and HMRC applies an automatic £100 penalty, with further daily and percentage-based charges the longer it remains outstanding. We track deadlines for every client we act for, and we will contact you in good time to gather the information we need. If you come to us with a return that is already late, we file it as quickly as possible to stop the penalties increasing further.

Yes. As part of the return process we identify allowances, reliefs, and deductible expenses that apply to your situation. For sole traders that includes allowable business costs, the trading income allowance, and pension contributions. For landlords it includes the property finance cost restriction and replacement of domestic items relief. If your situation warrants a broader conversation about tax planning, for example around timing of income or pension contributions, we can discuss that separately.