Locum Accountants · South West London
Locum accountants in Colliers Wood
GP locums, hospital doctors doing extra sessions, dental associates and locum pharmacists in Colliers Wood use us because we understand the particular problems: superannuation on some income and not others, the annual allowance taper for higher earners, which structure suits which kind of locum work. Across South West London, online, fixed fees.
from £69/mo · fixed, per month
Next deadlines
- PAYE and National Insurance for last month paid to HMRC (electronic)
- PAYE and National Insurance for last month paid to HMRC (electronic)
- PAYE and National Insurance for last month paid to HMRC (electronic)
- Online Self Assessment filing deadline and balancing payment due
Who this is for
Locum Accountants for Colliers Wood
Locum and sessional clinicians in Colliers Wood: GP locums and salaried GPs with extra sessions, hospital doctors with private practice or agency shifts, dental associates and locum dentists, locum pharmacists and optometrists, vets, physiotherapists and other allied health professionals, whether trading as sole traders, through a limited company or both.
What is included
Everything inside the fixed fee
- Income from every practice, agency, trust and private engagement reconciled, including statements of earnings and remittances
- Expense review for locums: professional indemnity, GMC/GDC/GPhC fees, exams, courses, equipment, travel between placements
- NHS pension contributions, Type 2 certificates and superannuation reconciled to pay statements
- Sole trader Self Assessment, or limited company accounts, CT600 and payroll, depending on structure
- Annual allowance and tapered annual allowance checks for higher-earning clinicians
- IR35 and off-payroll status considered for engagements through your own company
How it works
Locum Accountants from Colliers Wood, 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 Colliers Wood
No hourly rate and no surprise invoice. Colliers Wood clients know the fee for locum accountants before they send a single document, and it stays fixed.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Colliers Wood get reminders at 60, 30 and 7 days before each date that applies to locum accountants.
We serve Colliers Wood remotely by design: records by WhatsApp or email, drafts back for approval, filing electronic. The saving on premises is passed to you in the fee for locum accountants.
A named person handles your locum accountants from Colliers Wood and knows the file, so you are not re-explaining your business to a different helpdesk each time.
Plain English, with the numbers. Every draft for Colliers Wood comes with a short explanation of what the figures mean and what, if anything, you should do about them.
You stay in control of locum accountants: drafts go to Colliers Wood clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Colliers Wood
Colliers Wood is in South West London, within Merton, in the SW19 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 |
|---|---|---|
| Lavender Fields | 0.6 mi | SE |
| Abbey, Merton | 0.6 mi | SW |
| Trinity, Merton | 0.7 mi | NW |
| South Wimbledon | 0.7 mi | W |
| Merton | 0.7 mi | SW |
| Tooting Broadway | 0.8 mi | NE |
| Tooting | 0.8 mi | NE |
| Graveney, Wandsworth | 0.8 mi | NE |
Worth knowing
Rules that come up in this work
Crypto records and reporting
Crypto tax splits into capital gains on disposals and income on rewards, with different rates and different reporting. The £3,000 annual exempt amount and the 18% and 24% rates apply to gains; staking, mining and airdrop income is taxed at marginal income tax rates. HMRC's nudge letters to holders have increased sharply, and a voluntary disclosure before one arrives is treated far more leniently.
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
The cost of an employee is more than the salary. Employer National Insurance at 15% above £5,000 a year, the 3% minimum pension contribution, holiday pay, equipment and management time all come on top. The Employment Allowance of £10,500 reduces the National Insurance for most employers with more than one person on the payroll.
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
Locum Accountants questions from Colliers Wood
Is travel between practices claimable?
For a locum working at many different sites, travel from home to each temporary place of work is generally allowable because there is no permanent workplace. For a regular session at the same practice over a long period, that site may become a permanent workplace and the travel ordinary commuting. We assess each engagement pattern.
How do you handle a mix of NHS employment and locum work?
Employment income is taxed through PAYE and shown on the employment pages; locum income is self-employment on the self-employment pages. The return brings them together and your marginal rate applies to the combined figure. Payments on account are often triggered by locum income on top of employment. We reconcile all sources.
What is the annual allowance and does it affect me?
The annual allowance limits tax-relieved pension growth to £60,000 a year, tapering down to £10,000 for those with adjusted income over £260,000 and threshold income over £200,000. NHS pension growth is measured on the increase in the promised pension, which can be large in a high-earning year. We check it and report any charge or scheme pays election.
What expenses can locums claim?
Professional indemnity insurance, registration fees to the GMC, GDC, GPhC or equivalent, exam fees and courses that maintain skills, medical equipment, professional subscriptions and journals, travel between placements (not ordinary commuting to a regular workplace), a proportion of home costs for administration, and accountancy. We review each category.
Should a locum work through a limited company?
It depends on the work. GP locum income is pensionable in the NHS scheme only when earned as an individual, so incorporating loses pension accrual on that income. Private work and some agency work suit a company better. Off-payroll rules apply to engagements with NHS bodies through your company. We run the comparison for your mix of work.
How does the NHS pension work for a GP locum?
Locum GPs pension their income through Locum Forms A and B, submitted to the pensions agency within ten weeks of the work, with employee contributions deducted and employer contributions paid by the practice or ICB. A Type 2 certificate reconciles the year. Missing the ten-week window loses the pension on that income. We track it.
Do you have an office in Colliers Wood?
No. IGI Accounting is an online-only firm. We serve Colliers Wood 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 locum accountants is the same in Colliers Wood as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is locum accountants in Colliers Wood really the same price as elsewhere?
Yes. The fee published on this page is what a client in Colliers Wood 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.
Let us take the deadlines off your plate in Colliers Wood
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.