Personal Tax Accountant London | Self-Assessment & CGT

Everyone subject to UK tax needs professional advice if they are to optimise their position and stay compliant. We take the headache out of self-assessment and give you year-round planning — not just a return at year-end.

What we help with

Self-assessment tax returns — prepared, checked and filed on time
Capital gains tax — disposals, reliefs, and 60-day residential property reporting
Property and landlord tax compliance
Expatriate and non-resident tax services
Double-taxation relief — minimising tax on foreign income
HMRC enquiries and compliance support
Tax planning — including residency strategies, investments and wealth planning

Expats, non-residents and foreign income

If you live, work or hold assets across borders, your tax position can get complicated fast. We advise on UK residency and the statutory residence test, the four-year foreign income and gains regime that replaced the remittance basis in April 2025, and double-taxation treaties and relief — so you are not taxed twice and you claim everything you are due.

Year-round planning

Good personal tax planning is proactive. We look ahead at income, gains, pensions and family arrangements together, so you make the most of allowances and reliefs before the year closes — not after.

Income tax bands and allowances for 2026/27

Most people pay no income tax on the first £12,570 of income, the personal allowance. Income above that is taxed at 20% up to £50,270, at 40% above that, and at 45% on income over £125,140. The personal allowance itself is withdrawn gradually between £100,000 and £125,140, which makes income in that band particularly expensive.

That band is where planning pays most. Pension contributions, Gift Aid donations and the timing of bonuses, dividends or property income can bring taxable income back below £100,000. We look at the figures before the tax year closes on 5 April, not after it, when nothing can be changed.

Self Assessment deadlines and what missing them costs

If you want a private accountant for your Self Assessment in London, the calendar is the first thing we take off your hands. New taxpayers must register by 5 October after the end of the tax year. Paper returns are due by 31 October, and online returns and the balancing payment by 31 January. Payments on account fall on 31 January and 31 July.

A return filed even one day late brings a £100 penalty, whether or not any tax is owed, and further penalties and interest follow the longer it is left. As your personal tax accountant we also deal with HMRC for you: letters, calculation queries, compliance checks and requests for repayment.

Who we act for

Our personal tax clients include employees with rental or investment income on top of their salary, company directors taking dividends, sole traders and freelancers, landlords, higher earners caught in the personal allowance taper, and people who have moved to or from the UK. Each needs something slightly different from a return, but the aim is the same: the right tax, paid on time, with every allowance and relief claimed.

Making Tax Digital for Income Tax

From 6 April 2026, sole traders and landlords with qualifying income over £50,000 must keep digital records and send HMRC quarterly updates through compatible software, followed by a final declaration after the year end. The threshold falls to £30,000 from April 2027 and £20,000 from April 2028. Qualifying income is gross turnover and rent, not profit, so many people are caught sooner than they expect. We set up the software and file the updates for you.

Side income, online selling and HMRC

Platforms including eBay, Amazon, Etsy, Vinted and Airbnb now report their sellers’ income to HMRC, under rules in force since 1 January 2024, once a seller reaches 30 sales or about £1,700 in a year. Being reported is not the same as being taxable. Selling your own unwanted belongings is not trading, and the £1,000 trading allowance covers small genuine side income. Where it is a trade, or where rent or gains are involved, we make sure it is declared correctly.

Gains on residential property are taxed at 18% or 24%, and a UK resident selling UK residential property with tax to pay must report and pay within 60 days of completion, separately from the Self Assessment return.

What’s included

Self-assessment returns
Prepared, checked and filed on time.
Capital gains tax
Disposals, reliefs and 60-day residential property reporting.
Expat & non-resident tax
Residency, the new foreign income regime and double-taxation relief.
Landlord & property tax
Rental income, allowable costs and property compliance.
HMRC enquiries
Representation through compliance checks and disputes.
Year-round planning
Residency, investments and wealth planning — not just a year-end return.

Personal tax across North London

We prepare tax returns and plan personal tax for individuals throughout North London. Our local and sector pages go into more detail: accountants in Finchley, accountants in Barnet and accountants in Muswell Hill.

Frequently asked

I have foreign income — can you help me avoid being taxed twice?

Yes. We apply the relevant double-taxation treaty and claim double-taxation relief so foreign income is not taxed twice, and we advise on the four-year foreign income and gains regime for new UK residents where it applies.

I have moved to or from the UK. Does that change my tax?

Often significantly. We assess your UK residency under the statutory residence test and advise on the tax consequences and any planning available around the move.

Do I need to file a Self Assessment tax return?

You do if you are self-employed, a partner, or a company director taking dividends, if you have rental or foreign income, capital gains with tax to pay, or untaxed income above small limits — among other cases. Being taxed through PAYE on a salary does not by itself excuse a return where other income exists. New registrations are due by 5 October after the end of the tax year.

What are payments on account?

Advance payments towards the next year’s tax, each half of the previous year’s bill, due on 31 January and 31 July. They apply when your Self Assessment bill is over £1,000 and less than 80% of your tax was collected at source. The first January can therefore carry the balance for last year plus the first payment on account for this one. They can be reduced if your income is falling, but the claim has to be made.

I have been selling on eBay and Vinted. Will I have to pay tax?

Not necessarily. Platforms report your sales to HMRC once you reach 30 sales or about £1,700 in a year, but selling your own used belongings is not trading and is not normally taxed. If you buy to resell or make items to sell, that is a trade: the first £1,000 of income is covered by the trading allowance, and above that it goes on a Self Assessment return.

I have missed the Self Assessment deadline. What should I do?

File as soon as possible and pay what you can. The £100 initial penalty applies from the day after the deadline, but further penalties and interest build up over time, so acting quickly limits the damage. If you had a reasonable excuse, an appeal may remove the penalty. We can prepare an overdue return quickly and deal with HMRC on your behalf.

How do you deal with HMRC for me?

Once you authorise us as your agent, HMRC can discuss your affairs with us directly. We see your tax records, answer letters and calculation queries, handle compliance checks and chase repayments, so you are not left on hold. You still see everything that is filed and approve each return before it is submitted.

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