Self assessment tax returns

Sole traders, landlords, company directors, people with investment or foreign income, higher earners caught by the child benefit charge, and anyone HMRC has asked to file.

Who has to file

You will normally need to submit a return if you are self-employed, receive rental income, are a company director with untaxed income, have significant savings or dividend income, or earn above the threshold where the High Income Child Benefit Charge applies.

People often file when they do not need to, or fail to file when they do. Either one costs money. Part of what we do is establish clearly whether you are in the system and whether you should be.

Making Tax Digital for Income Tax

Since 6 April 2026, sole traders and landlords with qualifying income over £50,000 must keep digital records and send HMRC a short update every quarter through compatible software, followed by a final declaration after the tax year. The threshold falls to £30,000 from April 2027 and £20,000 from April 2028.

Qualifying income means your combined self-employment turnover and gross rental income, before expenses, so many people are caught sooner than they expect. We tell you whether and when it applies to you, set up the right software, and send the quarterly updates on your behalf.

What we do

We collect what we need through a short checklist rather than a barrage of questions, prepare the return, and show you the tax position before anything is submitted. You see the number and understand how it was reached before we file.

We also look for what is being missed. Allowable expenses people forget, reliefs that go unclaimed, pension contributions that have not been picked up, losses that could be carried against other income.

How this helps you

• You pay the right amount, not the safe amount. Unclaimed reliefs are the most common way people overpay.
• You know early. We aim to have returns done well before Christmas, so any tax due is not a January surprise.
• Payments on account are explained. The single biggest shock for first-time filers, and entirely predictable once you understand it.
• Penalties are avoided. Filed on time, with the figures backed up if HMRC ever asks.