Accountant for Locum Doctors
Specialist accountant for locum doctors and GPs. MTD compliant filings, NHS pension considerations and structured tax planning.
For as low as only £19.99 per month
Specialist Accountant for Locum Doctors in the UK
Locum GPs and doctors operate in a complex tax environment.
Mixed PAYE and self-employed income.
Multiple practices or agencies.
NHS pension interactions.
High marginal tax rates.
AccTek provides structured, specialist accounting for locum doctors across the UK.
Accounting Designed for Locum GPs & Doctors
We support:
Locum GPs
Hospital locum doctors
Session-based clinicians
Doctors working through agencies
Doctors with mixed PAYE and self-employed income
Whether you operate as a sole trader or through a limited company, we ensure compliance and optimisation.
How do we help
Everything You Need — Nothing You Don’t
A Personal, Friendly Touch
You’ll have access to a team of accountants who will get to know you and your business. That enables us to provide an accounting solution tailored to your goals and needs, whether you want to grow your business, become more tax-efficient, or just simplify your accounting processes.
Full MTD Setup
We
1. Register you correctly
2. Set up compliant software
3. Migrate your existing records
4. Connect to HMRC systems
No spreadsheets required.
Managing Mixed Income Structures
Many locum doctors have:
1. PAYE income from NHS employment
2. Self-employed locum income
3. Agency payments
4. Private work
We ensure correct allocation, reporting and optimisation across all income sources.
No duplication. No missed liabilities.
Invoicing & accounts
Accurate records are the foundation of lower tax and fewer HMRC issues.
We provide:
1. Cloud accounting setup
2. Monthly or quarterly bookkeeping
3. Expense tracking automation
4. Clear deadline reminders
5. Predictable monthly pricing
NHS Pension & Tax Considerations
We provide guidance on:
1. NHS pension contributions
2. Annual allowance considerations
3. Interaction with self-employed earnings
4. Pension tax planning strategy
Higher income requires proactive planning to avoid unexpected liabilities.
Allowable Expenses for Locum Doctors
We ensure you correctly claim:
1. Travel between practices
2. Professional indemnity insurance
3. GMC registration fees
4. Royal college subscriptions
5. CPD & training
6. Use of home (where applicable)
Helpful Sole-Trader resources
Looking for sole trader advice and guidance before paying for our service? We’ve got you covered.
How to pay yourself as a Sole Trader and how much to put aside for tax
As a sole trader, you’re not directly employed and you don’t receive a salary or wage in the traditional sense. So how do you pay yourself as a sole trader and then pay any tax due?
Understanding the legal requirements of being a sole trader
Setting up as a Sole Trader is a popular way to start a business, especially for those entering the business world for the first time. However, as with everything in business, becoming a sole trader comes with several risks you should be aware of.
What business expenses can I claim as a self employed Sole Trader?
As you juggle all the new responsibilities, you’ll also deal with lots of new costs. The good news is that many of these costs can be claimed as business expenses, meaning you’ll pay less tax and get to keep more of your hard-earned money.
Common Mistakes Sole Traders Make
We regularly see missing allowable expenses (mileage, home office, use of phone), forgetting about payments on account, mixing personal and business finances. Avoiding these mistakes can save thousands over time.
Sole Trader vs Limited Company – When Should You Switch?
A common question. There is no single income level where incorporation is automatically better. We provide clear modelling so you can see the difference in tax outcomes before making the decision.
Questions
Frequently Asked Questions
Limited Company vs Sole Trader – Which Is Right?
Some locum doctors operate through limited companies. Others remain self-employed.
We assess:
IR35 implications (where agency contracts apply)
Income levels
Pension interactions
Administrative overhead
Structure should be deliberate — not accidental.
Do locum doctors need to comply with MTD?
Sole traders may be in scope. Limited companies are already under digital corporation tax reporting rules.
Your fee includes either Self Assessment or MTD depending on your circumstance. Don’t worry if you’re not too sure which you should use – we’re here to help! Learn more about MTD Income Tax.
If you use MTD Income Tax you can either send quarterly updates (and your accountant will make any adjustments when they finalise everything with your tax return), or you can add quarterly submissions to your service for £25 per month.
Can travel between practices be claimed?
Often yes, depending on contract structure and HMRC rules.
Should I operate through a limited company?
It depends on IR35 position, pension considerations and income level. Advice before restructuring is essential.
How does the NHS pension affect tax?
High earnings can trigger annual allowance considerations. Planning reduces unexpected charges.
Can I have PAYE and self-employed income?
Yes. Both must be correctly reported and consolidated.
Got more questions or simply want to talk?
Call us, WhatsApp us or use the instant quote
You are in safe hands
When you trust us with your accounts, you can have complete confidence that we know what we’re doing. Our accountants have a wide range of qualifications and accreditations from trusted professional bodies such as the AAT and ICAEW.
