Tax Planning · East London
Tax planning in Brick Lane
If you are a director, a higher earner or a landlord in Brick Lane and nobody has ever sat down with your whole position, income, company, pensions, property, spouse, and worked through it, this is that review. We do it for clients across East London by video call and written report, for a fee agreed before we start, using established reliefs only.
from £249 · fixed, per review
Next deadlines
- Online Self Assessment filing deadline and balancing payment due
- Tax year ends: last day for pension, ISA and dividend timing decisions
- Companies House accounts due 9 months after your year end (a 31 December year end files by 30 September)
- Corporation Tax payment, 9 months and 1 day after your year end (a 31 December year end pays by 1 October)
Who this is for
Tax Planning for Brick Lane
Company directors in Brick Lane deciding how to pay themselves, higher earners near the £100,000 personal allowance taper or the £125,140 additional rate, couples who could use both sets of allowances better, landlords and investors with gains to time, business owners approaching a year end with profit to deploy, and anyone whose affairs have grown more complicated than their current adviser has noticed.
What is included
Everything inside the fixed fee
- A review of your current position across income tax, National Insurance, dividends, Corporation Tax and capital gains as relevant
- Allowances and reliefs checked: personal allowance taper, marriage allowance, pension annual allowance, dividend and savings allowances, ISA use
- Director remuneration modelled: salary, dividends, pension contributions and benefits for the coming year
- Timing decisions quantified: dividends across tax years, capital expenditure before year end, pension contributions, disposals
- A written report with the recommendations, the saving from each and the actions in order
- A follow-up call to answer questions and agree what we implement for you
How it works
Tax Planning from Brick Lane, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
The IGI way of working, in Brick Lane
One fixed fee for tax planning in Brick Lane, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Brick Lane is left to the last week. Each deadline relevant to tax planning is tracked from the day you join, with the next four shown on every page we send you.
No appointments, no travel across East London, no parking. Everything for tax planning in Brick Lane happens online, with a real person on the other end during UK working hours.
You get one contact for tax planning, not a queue. Brick Lane clients message the same person throughout and get an answer in working hours, usually within a few hours.
We explain tax planning in the words Brick Lane business owners use, not in accountant's shorthand, and we show our working so you can check it.
Nothing is filed for Brick Lane until you have reviewed and approved it. You see the draft, you ask questions, you sign off, then we submit and send you the receipt.
Local facts
About Brick Lane
Brick Lane is in East London, within Tower Hamlets, in the E1 postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| Spitalfields and Banglatown | 0.0 mi | N |
| Spitalfields | 0.2 mi | W |
| Whitechapel | 0.3 mi | E |
| Portsoken | 0.4 mi | SW |
| Aldgate, City of London | 0.4 mi | SW |
| Bishopsgate, City of London | 0.4 mi | W |
| Broadgate, City of London | 0.4 mi | W |
| Weavers | 0.5 mi | N |
Worth knowing
Rules that come up in this work
Crypto records and reporting
Most crypto holders have taxable events they do not recognise, because every swap is a disposal even when no pounds change hands. The computation requires the complete transaction history from every exchange and wallet, pooled by asset with HMRC's matching rules applied. Exchange-generated tax reports are frequently wrong because they cannot see transfers between a user's own wallets.
The 60-day property CGT return
Selling UK residential property that was not your main home for the whole period of ownership triggers a separate Capital Gains Tax return, due within 60 days of completion along with payment of the tax. This is in addition to the annual Self Assessment. The gain is taxed at 18% or 24% depending on your income band, after the £3,000 annual exempt amount.
Record keeping
Record keeping is a legal obligation with a penalty of up to £3,000 for failure, but its real value is in making every other filing cheaper and more defensible. Keep invoices, receipts, bank statements, mileage logs and any HMRC correspondence, digitally if you like, for five years after the relevant filing deadline for individuals and six years for companies and VAT.
Allowable expenses
An expense is allowable against trading profit if it is incurred wholly and exclusively for the business. Materials, business travel other than ordinary commuting, a proportion of home running costs, software, insurance, professional fees, bank charges and protective clothing qualify. Client entertainment, ordinary clothing, fines and the private share of mixed-use costs do not.
Employer National Insurance
Employers pay National Insurance at 15% on each employee's earnings above the £5,000 secondary threshold, following the April 2025 changes. The Employment Allowance offsets up to £10,500 of this for eligible employers, which for a small team often removes the liability entirely, but companies where the director is the only employee do not qualify.
Workplace pensions and auto-enrolment
Auto-enrolment duties begin the day you take on your first employee, not when the Pensions Regulator writes to you. Eligible staff must be enrolled, contributions paid every pay period and re-enrolment carried out every three years. Director-only companies without employment contracts are usually exempt. Fines for non-compliance are fixed and escalating.
Dormant companies
A dormant company is one with no significant accounting transactions in the year, where the only permitted entries are the payment for shares on incorporation, Companies House fees and penalties. It still files a confirmation statement and simplified dormant accounts every year. A bank charge or an accountant's fee paid from the company ends dormancy and requires full accounts.
Questions
Tax Planning questions from Brick Lane
How often should planning be reviewed?
Annually, ideally in the first quarter of the tax year so that decisions have the full year to work. Thresholds and rates change each April, your income changes, and the company's profit changes. Clients in our monthly packages get a planning conversation as part of the Complete and Premium tiers.
Will you implement the recommendations?
Where the actions fall within our services, such as setting the payroll salary, documenting dividends, adjusting the company's pension contributions or making an election, yes, as part of those services. Where they need a financial adviser, for example choosing pension investments, we tell you what to ask them.
What do I need to provide?
Your last tax return, the company's last accounts and current management figures if you have them, pension statements, details of other income and your spouse's position if relevant, and an idea of what you want from the business over the next few years. We send a short checklist when you book.
Is tax planning advice regulated?
Tax advice is not a reserved activity in the UK, so no regulator licenses it, but we are bound by our terms of business and the advice disclaimer on this site, and we carry professional indemnity insurance. Advice is given in writing so that you can rely on it and we can be held to it.
Do you recommend tax avoidance schemes?
No. We use established reliefs and allowances that Parliament intended: pensions, ISAs, spousal transfers, capital allowances, dividend and salary structuring, timing. We do not sell arrangements that depend on HMRC not noticing. If someone offers you a scheme that sounds too good, the £249 review will tell you why it probably is.
How much tax will a review save me?
It depends entirely on your position, and we would rather not promise a number. Common findings are a director salary set years ago at the wrong level, pension headroom unused, a spouse's allowances wasted, dividends bunched into one tax year and capital allowances missed. For most directors the saving exceeds the fee several times; where it would not, we say so before you pay.
Do you have an office in Brick Lane?
No. IGI Accounting is an online-only firm. We serve Brick Lane and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for tax planning is the same in Brick Lane as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is tax planning in Brick Lane really the same price as elsewhere?
Yes. The fee published on this page is what a client in Brick Lane pays and what a client in any other part of England pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
One message from Brick Lane, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.