Contractor Accountants · East London
Contractor accountants in Havering
IT, engineering, finance and healthcare contractors in Havering use us because the service is built for how they work: a company with one or two directors, income from a few clients a year, and an IR35 question on every new engagement. Fixed monthly packages across East London, with an IR35 contract review at £99 whenever you need one.
from £75/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
Contractor Accountants for Havering
Contractors and interim professionals in Havering working through their own limited company: IT and software contractors, engineers, project managers, interim finance staff, consultants, medical and allied health locums who have incorporated, and permanent employees about to go contracting who need the company set up and the first engagement reviewed.
What is included
Everything inside the fixed fee
- Statutory accounts and Corporation Tax return prepared and filed each year
- Director payroll run monthly with RTI submissions and the salary set at the efficient level
- Dividend vouchers and board minutes for every distribution, with the available reserves checked first
- Quarterly VAT returns and bookkeeping in the Plus and Complete packages
- Director's Self Assessment and an annual planning call in the Complete package
- IR35 status reviews of your contracts and working practices, with a written opinion
How it works
Contractor Accountants from Havering, 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
What you get in Havering
One fixed fee for contractor accountants in Havering, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Havering is left to the last week. Each deadline relevant to contractor accountants 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 contractor accountants in Havering happens online, with a real person on the other end during UK working hours.
You get one contact for contractor accountants, not a queue. Havering clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Havering clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for contractor accountants.
Approval before filing is a rule, not a courtesy. For contractor accountants in Havering, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Havering
Havering is in East London, in the RM14 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 |
|---|---|---|
| Upminster | 0.1 mi | NE |
| Upminster Bridge | 0.6 mi | W |
| Corbets Tey | 0.9 mi | S |
| Cranham | 1 mi | NE |
| Hornchurch | 1 mi | W |
| Hacton, Havering | 1 mi | W |
| Emerson Park | 1 mi | NW |
| Harold Park | 2 mi | N |
Worth knowing
Rules that come up in this work
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
Workplace pension compliance is part of payroll, not separate from it. Each pay period the payroll assesses who is eligible, calculates employer and employee contributions on qualifying earnings between the lower and upper thresholds, and sends the contribution file to the scheme. The minimum total is 8%, and many employers choose to contribute more as a recruitment advantage.
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.
The trading and property allowances
Not every small income needs a tax return. The trading allowance exempts the first £1,000 of self-employment or casual income and the property allowance does the same for rental income, each measured on gross receipts. They cannot be combined with rent-a-room relief on the same income, and claiming the allowance means giving up the expense deduction for that source.
Crypto records and reporting
HMRC treats cryptoassets as property. Swapping one token for another, spending crypto or gifting it are all disposals for Capital Gains Tax, and staking and lending rewards are income. Gains are computed under pooling rules with same-day and 30-day matching. From 2026 HMRC receives data from exchanges worldwide under the Cryptoasset Reporting Framework, so unreported activity is increasingly visible.
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
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
Contractor Accountants questions from Havering
What happens between contracts?
The company continues and so do the filings, but we can reduce the salary and pause dividends. If you expect a long gap we discuss whether to keep the company trading, make it dormant or close it. The monthly fee continues while the company is active because the compliance does, but we review it with you if circumstances change.
I am about to leave permanent employment to contract. Where do I start?
With the company formation and the first contract review. Our £99 formation-plus-registrations package sets up the company with Corporation Tax and PAYE registered; the IR35 review of your first engagement decides how the income will be taxed. Join the Essential package from the month you start invoicing.
Do I need business insurance?
Most client contracts require professional indemnity and public liability cover, and employer's liability is a legal requirement if the company employs anyone other than the director. Insurance is not something we sell, but we tell you what your contracts require and the premiums are deductible for Corporation Tax.
How should I pay myself from the company?
The usual approach is a salary around the National Insurance thresholds, which keeps your State Pension record intact and is deductible for Corporation Tax, with the rest as dividends taxed at the dividend rates after the £500 allowance. The exact split depends on your other income and the company's profit, and we set it at the start of each tax year.
What is IR35 and does it affect me?
IR35 asks whether, but for the company, you would be an employee of your client. If a contract is inside IR35 the income is taxed like employment. Since 2021 medium and large private-sector clients make the determination and deduct tax at source; for small clients the contractor decides. We review contracts and working practices and give a written opinion for £99.
What is in the £75 Essential package?
Annual statutory accounts and CT600 filed with Companies House and HMRC, monthly director payroll with RTI submissions, dividend vouchers and minutes, the confirmation statement filed (Companies House £50 fee separate), and deadline tracking. It suits contractors outside VAT or who prefer to do their own VAT and bookkeeping.
Do you have an office in Havering?
No. IGI Accounting is an online-only firm. We serve Havering 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 contractor accountants is the same in Havering as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is contractor accountants in Havering really the same price as elsewhere?
Yes. The fee published on this page is what a client in Havering 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 Havering, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.