Locum Accountants · North London
Locum accountants in Enfield Lock
Locum accounting for doctors, dentists, pharmacists and other clinicians in Enfield Lock: sole trader locums get books and the tax return for £69 a month, limited company locums full compliance for £95, and annual-only returns are £199. Fixed, published, the same in Enfield Lock as in every other part of England.
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 Enfield Lock
Locum and sessional clinicians in Enfield Lock: 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 Enfield Lock, 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 Enfield Lock
One fixed fee for locum accountants in Enfield Lock, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Enfield Lock is left to the last week. Each deadline relevant to locum accountants is tracked from the day you join, with the next four shown on every page we send you.
We serve Enfield Lock 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 Enfield Lock and knows the file, so you are not re-explaining your business to a different helpdesk each time.
We explain locum accountants in the words Enfield Lock business owners use, not in accountant's shorthand, and we show our working so you can check it.
Nothing is filed for Enfield Lock 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 Enfield Lock
Enfield Lock is in North London, within Enfield, in the EN3 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 |
|---|---|---|
| Freezywater | 0.4 mi | N |
| Enfield Island Village | 0.6 mi | E |
| Enfield Wash | 0.6 mi | W |
| Turkey Street | 0.8 mi | W |
| Holdbrook | 0.9 mi | NE |
| Brimsdown | 1 mi | S |
| Waltham Cross | 1 mi | N |
| Bullsmoor, Enfield | 1 mi | NW |
Worth knowing
Rules that come up in this work
Switching accountants
Changing accountant is simpler than most people fear. You authorise the new firm, which writes to the old one for professional clearance and your records; the outgoing accountant must hand over your own documents and usually does within two weeks. The new firm registers as your agent with HMRC and picks up the next filing. There is no need to wait for a year end.
Closing a company
Striking off a company is cheap but must be done in order: stop trading, file the final accounts and CT600, pay the tax, close VAT and PAYE, distribute the remaining assets, close the bank account, then apply. Anything left in the company at dissolution passes to the Crown. Distributions up to £25,000 are taxed as capital gains; above that a formal liquidation is usually needed to keep capital treatment.
Dormant companies
Companies formed to protect a name or hold a future business are dormant but not exempt: Companies House still expects dormant accounts within nine months of the year end and a confirmation statement annually with its £50 fee, and HMRC must be told the company is dormant or it will demand Corporation Tax returns. The filings are short, but the penalties for missing them are the same as for a trading company.
The trading and property allowances
The first £1,000 of trading income and, separately, the first £1,000 of property income each year is tax free under the trading and property allowances. Below those figures no return is needed for that income. Above them you can deduct the £1,000 allowance instead of actual expenses if that is better, which suits side businesses and single-room lets with few costs.
Employer National Insurance
Since April 2025 employer National Insurance has been 15% on earnings above a £5,000 secondary threshold, a substantial increase for small employers. The Employment Allowance rose to £10,500 at the same time to soften it for the smallest businesses. Directors deciding their own salary weigh this cost against the Corporation Tax deduction a salary provides.
Workplace pensions and auto-enrolment
Every employer must assess its workers for automatic enrolment from the first employee's start date. Those aged 22 to State Pension age earning over £10,000 a year must be enrolled into a qualifying pension with minimum contributions of 8% of qualifying earnings, at least 3% from the employer, and a declaration of compliance made to the Pensions Regulator within five months.
Record keeping
Good records are the difference between a quick enquiry and a long one. For the self-employed, five years after the filing deadline; for companies, six years from the year end; for VAT, six years. Photographs of receipts, PDF statements and software exports all count. The requirement is to keep records, not paper, and a well-organised cloud folder satisfies it.
Questions
Locum Accountants questions from Enfield Lock
Can you handle the NHS pension estimate of earnings and the Type 2 form?
Yes. The estimate of pensionable earnings submitted at the start of each year sets your contribution rate; the Type 2 certificate reconciles the actual figures after the year end and is due by the end of February. Both are prepared from the records we keep and submitted on your behalf.
I do private work alongside NHS sessions. How is that treated?
Private practice income is self-employment, not pensionable in the NHS scheme, and taxed with your other self-employed income. If the private work is substantial it may suit a limited company while the NHS locum work stays as a sole trader, and we advise on running both structures together.
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.
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.
Which deadlines matter most for locum accountants?
The next four dates that apply to locum accountants are shown at the top of this page, calculated from today. For Enfield Lock clients we diarise every one of them from the day you join and send reminders before each, so the work is done in good time rather than in the last week before a penalty.
How do I get started from Enfield Lock?
Message us on WhatsApp or email with a sentence about your business and what you need. We reply in working hours with any questions and a fixed fee for locum accountants. Once you confirm, we tell you exactly which records to send and the work begins. Most Enfield Lock clients are set up within a day.
One message from Enfield Lock, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.