Finovra/Industries/Locums, consultants & practitioners
Who we work withAccounting for locums and private practitioners.
Whether a limited company actually beats sole trade at your income, what you can genuinely claim, and pension contributions timed so they do some work for you.
What we handle
The detail that matters here.
- Company or sole trader.The answer depends on your income, your other employment, your pension position and what you intend to do next. Anyone who gives you a general answer has not asked enough questions.
- What you can genuinely claim.Professional subscriptions, indemnity cover, training, equipment, travel between workplaces. There is a real list and there is a folklore list, and they are not the same.
- Pension contributions and the annual allowance.For higher earners with NHS pension membership, the interaction between private practice income and the annual allowance is where the money actually is.
- Multiple income sources.Employment, locum work, private practice and perhaps property, all needing to meet correctly on one tax return.
- Making Tax Digital.From April 2027 the threshold falls to £30,000 of gross income, and self-employment and property income are added together to test it.
For most practitioners the question is not how to pay less tax. It is whether the structure they set up five years ago still fits the income they have now.
Free, no obligation
Find out what you're overpaying.
Twenty minutes, a straight answer, and a written fixed quote. Nothing to prepare — just bring your last set of accounts if you have them.
Book a free 20-minute review →