Locum Accountants · East London
Locum accountants in Rainham, Havering
Locum accountants for Rainham who deal with Type 2 certificates, pension estimates and the private-versus-NHS split every day. Whether you work as a sole trader, through a company, or a mix, we keep the records, calculate the tax and tell you what to set aside, with nothing filed until you have approved it.
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 Rainham
Locum and sessional clinicians in Rainham, Havering: 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 Rainham, Havering, 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 Rainham businesses file with IGI
One fixed fee for locum accountants in Rainham, Havering, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Rainham, Havering get reminders at 60, 30 and 7 days before each date that applies to locum accountants.
No appointments, no travel across East London, no parking. Everything for locum accountants in Rainham happens online, with a real person on the other end during UK working hours.
A named person handles your locum accountants from Rainham 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 Rainham, Havering business owners use, not in accountant's shorthand, and we show our working so you can check it.
You stay in control of locum accountants: drafts go to Rainham clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Rainham, Havering
Rainham, Havering is in East London, within Havering, in the RM13 postcode district, England. For businesses in England the tax rules are those set by the UK Parliament: the 20/40/45% income tax bands, Class 4 National Insurance for the self-employed at 6% and 2%, Corporation Tax at 19% to 25%, and Stamp Duty Land Tax on property. Business rates are set locally by the council.
| Place | Distance | Direction |
|---|---|---|
| Rainham Village | 0.4 mi | NW |
| Rainham and Wennington | 0.6 mi | SE |
| Wennington, Havering | 1 mi | SE |
| South Hornchurch | 1 mi | N |
| Beam Park | 2 mi | NW |
| River, Barking and Dagenham | 2 mi | W |
| Village Ward | 2 mi | NW |
| Old Dagenham | 2 mi | NW |
Worth knowing
Rules that come up in this work
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.
Switching accountants
The main reasons people switch accountant are surprise invoices, missed deadlines and not understanding what they are being told. Switching involves a clearance letter between the firms, a transfer of records and agent authorisations, and a short handover of the current position. It takes about two weeks and should cost nothing extra.
The trading and property allowances
Small side incomes are covered by two £1,000 allowances, one for trading and one for property, which remove the need to register or report income below that level. Once income exceeds £1,000, the allowance can be used in place of expenses, a choice worth making deliberately: a freelancer with £900 of costs is better off with the allowance, one with £3,000 is not.
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.
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
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.
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
Locum Accountants questions from Rainham
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.
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.
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.
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.
What does the £95 company package include?
Monthly bookkeeping, director payroll with RTI submissions, dividend paperwork, statutory accounts and CT600 filed, the confirmation statement filed (Companies House £50 fee separate), and deadline tracking. Your personal Self Assessment is added at the published £129 where needed, often necessary because of NHS employment income.
What does the £69 sole trader locum package include?
Monthly bookkeeping of all engagement income and expenses, reconciliation of pay statements and remittance advices, NHS pension contribution tracking, a monthly summary with the tax accruing, your Self Assessment with the self-employment and any employment pages prepared and filed, and payments on account calculated.
Is locum accountants in Rainham really the same price as elsewhere?
Yes. The fee published on this page is what a client in Rainham, 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.
Do you have an office in Rainham?
No. IGI Accounting is an online-only firm. We serve Rainham, 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 locum accountants is the same in Rainham as anywhere else in the country, and why there is nothing to visit and nothing to print.
Get a fixed quote for Rainham today
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.