Tax Planning & Advisory

Tax Planning Services
Pay Less Tax. Legally.

From Self Assessment and director remuneration to R&D credits, SEIS/EIS, and property tax — proactive planning that keeps more money in your business.

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Tax services

Proactive Tax Planning for UK Businesses and Directors

Reactive accounting costs you money. AccTek’s tax planning services are designed to legally minimise your tax bill through year-round strategy — not just a scramble at year-end.

Self Assessment & Personal Tax

Tax returns for directors, sole traders, landlords, and locums — filed accurately and optimised for your personal situation.

  • SA100 preparation & filing
  • Tax liability calculations
  • Payments on account planning
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Director Remuneration Planning

Optimise the mix of salary, dividends, and pension contributions to minimise your combined tax and NI liability.

  • Salary vs dividends modelling
  • Employer pension contributions
  • Family member remuneration
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R&D Tax Credits

Identify qualifying expenditure and maximise your claim under the merged RDEC scheme — including AI and software development projects.

  • Merged RDEC scheme claims
  • Technical narrative drafting
  • HMRC compliance & defence
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SEIS / EIS & Venture Support

Advance assurance applications, compliance statements, and investor reporting for tax-advantaged fundraising rounds.

  • SEIS/EIS advance assurance
  • Compliance statements (SEIS1/EIS1)
  • Investor tax certificate packs
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Property & Investment Tax

Capital gains tax, rental income reporting, Section 24 mortgage interest, and structuring advice for landlords and property investors.

  • CGT on property disposals
  • Section 24 mortgage interest
  • Incorporation & structuring
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2026/27 tax year

Tax Planning Starts with Knowing the Numbers

The tax landscape changes every year. For 2026/27, dividend tax rates have increased by 2%, the employment allowance has risen to £10,500, and MTD is now mandatory for higher earners.

AccTek builds year-round tax strategies around these thresholds — not just a calculation at year-end. We model salary-dividend splits, pension contributions, and capital allowances to find the most tax-efficient structure for your business.

Use our Director Salary & Dividends Calculator →

Key 2026/27 Rates

TaxRate / Threshold
Personal Allowance£12,570
Basic Rate (Income)20%
Higher Rate (Income)40%
Dividend Basic Rate10.75%
Corporation Tax (small)19%
Corporation Tax (main)25%
Employer NI15% above £5,000
Employment Allowance£10,500
FAQs

Tax Planning — Frequently Asked Questions

What is the most tax-efficient way to pay myself as a director?
For 2026/27, most sole directors take a salary of £12,570 (the Personal Allowance) and draw the remainder as dividends. This minimises National Insurance while keeping your state pension credits. AccTek models the optimal split based on your specific circumstances, including pension contributions and family member remuneration.
Can I still claim R&D tax credits as a small company?
Yes. Since April 2024, all companies use the merged RDEC scheme. SMEs claim an above-the-line credit of 20% on qualifying R&D expenditure. Loss-making R&D-intensive companies may qualify for enhanced rates. AccTek handles the claim from technical narrative to CT600 submission.
What is SEIS/EIS advance assurance?
Advance assurance is an HMRC confirmation that your company qualifies for SEIS or EIS before you raise investment. It gives investors confidence they will receive tax relief. AccTek prepares the application, supporting documents, and compliance statements.
How much capital gains tax do I pay when selling a property?
For 2026/27, residential property CGT rates are 18% (basic rate) and 24% (higher rate). The annual exempt amount is £3,000. You must report and pay within 60 days of completion. AccTek can advise on reliefs including Principal Private Residence Relief and Business Asset Disposal Relief.
Does AccTek handle proactive tax planning or just filing?
Both — but planning comes first. We review your tax position throughout the year, model scenarios before year-end, and implement strategies to legally reduce your liability. Filing is the final step, not the only step.

Stop Overpaying. Start Planning.

Get a fixed-fee quote in under two minutes — or talk to us about a proactive tax strategy for your business.

AccTek accountant — expert in sole trader and limited company accounts
Founder at  | Web |  + posts

Godwin Pinto ACA is a chartered accountant and founder of AccTek with 20+ years of experience accounting and tax for contractors, startup and SME .

Official guidance

For the latest HMRC and Companies House guidance, see Self Assessment tax returns and Corporation Tax. AccTek Ltd is an independent accountancy firm and is not affiliated with HMRC or GOV.UK.

You’re in good hands

AccTek is a member firm of the Institute of Certified Practising Accountants (ICPA). Our accountants have a wide range of qualifications and accreditations from trusted professional bodies such as the AAT, ICPA, and ACCA.

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