Tax Planning · Northern Ireland
Tax planning in Lurgan
Tax planning in Lurgan that you can act on: a report that says what to do, in what order, and what each step saves. Personal tax review, director remuneration review, combined review or pre-year-end company session, each at a published fixed fee. We implement the actions you choose through our other services, or hand the plan to whoever does your filing.
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 Lurgan
Company directors in Lurgan 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 Lurgan, step by step
Scope the job
We find out what you need filed, when it is due and what state the records are in, and tell you which fixed-fee package applies.
Agree the price
The fee is confirmed in writing. There is no hourly billing and nothing added for questions during the work.
Hand over the records
Photographs, PDFs, software access or a spreadsheet, sent however suits you. We confirm what we have and what is missing within two working days.
Approve, then we submit
You review the draft with our explanation, sign off, and we file. Receipts, copies and the next deadlines come back to you immediately.
Why IGI
Why Lurgan businesses file with IGI
The price for tax planning is published on this page and is what a client in Lurgan pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Lurgan 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.
Online only, UK based. There is no office in Lurgan to pay for, which is why the fee is the same here as anywhere in Northern Ireland; the work is done by people in the UK who answer the same day.
You get one contact for tax planning, not a queue. Lurgan clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Lurgan 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 tax planning.
Nothing is filed for Lurgan 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 Lurgan
Lurgan is in Northern Ireland, in the BT66 postcode district, Northern Ireland. Tax for Northern Ireland businesses and individuals matches the rest of the UK in almost every respect: UK income tax bands, UK National Insurance, UK Corporation Tax, Stamp Duty Land Tax. The exception is VAT on goods, where the Windsor Framework arrangements for trade with the Republic of Ireland and the EU create specific rules that online sellers and distributors need handled correctly.
| Place | Distance | Direction |
|---|---|---|
| Craigavon | 2 mi | SW |
| Waringstown | 3 mi | SE |
| Moira, Northern Ireland | 4 mi | E |
| Portadown | 5 mi | SW |
| Aghalee | 6 mi | NE |
| Ballinderry | 6 mi | NE |
| Gilford | 6 mi | S |
| Maghaberry | 7 mi | NE |
Worth knowing
Rules that come up in this work
Closing a company
Voluntary strike-off is available only to solvent companies. One that owes money it cannot pay needs a creditors' voluntary liquidation through a licensed insolvency practitioner, and directors who dissolve an insolvent company face personal consequences. For a solvent company the process takes three to four months from filing the DS01, with notice to creditors and shareholders within seven days.
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.
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.
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.
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.
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.
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.
Questions
Tax Planning questions from Lurgan
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.
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.
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 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.
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.
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 in Lurgan really the same price as elsewhere?
Yes. The fee published on this page is what a client in Lurgan pays and what a client in any other part of Northern Ireland 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.
Do you have an office in Lurgan?
No. IGI Accounting is an online-only firm. We serve Lurgan 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 Lurgan as anywhere else in the country, and why there is nothing to visit and nothing to print.
Start the conversation from Lurgan
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.