The Accountants Chester
Businesses & Landlords Trust
Chartered certified accountants in Chester delivering proactive tax planning and fixed-fee cloud accounting with zero added VAT. Supporting limited companies, sole traders, and landlords across Chester (CH1–CH4), Hoole, Boughton, and Chester Business Park.
- ACCA Regulated (Ref: 1274317): Direct access to senior chartered accountants
- Fixed Monthly Pricing: All-inclusive compliance with zero added VAT (save 20%)
- Certified Xero Partner: Paperless cloud bookkeeping & IRIS OpenSpace portal
Explore Fee Packages
Select your business structure to view all-inclusive monthly retainers:
Check Your Making Tax Digital (MTD) Status
Statutory HMRC Compliance Deadlines
Select your business setup and gross annual income below to verify your statutory HMRC digital reporting deadlines and recommended package tier:
Quarterly Digital Reporting Mandatory from April 2027
Under statutory HMRC Phase 2 legislation, qualifying Sole Traders / Self-Employed individuals with gross income between £30,000 and £50,000 must maintain digital bookkeeping records and submit 4 quarterly updates plus a Year-End Final Declaration using MTD-compatible software.
Accountancy & Tax Services for
Chester Businesses & Landlords
Chartered certified accountants delivering researched tax strategies, Xero cloud bookkeeping, and statutory HMRC compliance with zero added VAT across Chester (CH1–CH4), Hoole, Boughton, Upton, Saltney, Handbridge, and Chester Business Park.
Sole Trader
Accounting
Proactive tax planning, allowable expense reviews, and statutory Self-Assessment compliance delivered with zero added VAT to maximise your take-home profits.
- ✓ Making Tax Digital (MTD) digital bookkeeping
- ✓ Self-Assessment (SA100) preparation & filing
- ✓ Certified Xero partner & cloud bookkeeping
Limited Company
Accounting
End-to-end corporate financial management, Corporation Tax planning, and statutory Companies House reporting tailored for growing Chester businesses.
- ✓ Optimised director salary & dividend strategies
- ✓ Corporation Tax return (CT600) computations
- ✓ Year-end statutory accounts & CS01 filing
Landlord & Property
Tax Services
Specialist rental property tax advisory for single buy-to-lets, HMOs, and portfolio landlords navigating Section 24 and statutory digital quarterly reporting.
- ✓ Section 24 relief & Property SPV structuring
- ✓ HMRC MTD for ITSA digital readiness
- ✓ Capital Gains Tax (CGT) 60-day reporting
Partnership
Accounting
Complete financial compliance and tax reporting for standard partnerships and LLPs, ensuring seamless profit allocation and full HMRC alignment.
- ✓ Partnership tax return (SA800) filing
- ✓ Individual partner Self-Assessment returns
- ✓ Profit share, capital accounts & partner draws
Personal Tax &
Self-Assessment
Accurate, on-time annual tax returns for company directors, high earners, and private clients from £295 fixed fee, claiming every allowable tax relief.
- ✓ Comprehensive SA100 filing & computation
- ✓ Dividend, interest, and foreign income review
- ✓ High Income Child Benefit & pension tax relief
Startup Business
& Formation
Fast, compliant company formation and strategic tax structuring to launch your new Chester venture on a robust, tax-efficient financial footing.
- ✓ Turnkey Companies House & SPV incorporation
- ✓ PAYE, VAT, and Corporation Tax registrations
- ✓ Initial tax structuring & Xero cloud setup
Fixed-Fee Accounting Packages
Built for Chester Businesses & Landlords
Transparent, all-inclusive monthly accountancy packages designed for limited companies, sole traders, and property investors across Chester (CH1–CH4), Hoole, Boughton, Upton, and Chester Business Park. No surprise bills, no hourly fees—just proactive year-round tax support.
Sole Trader Package
- Full annual accounts production & HMRC tax computation
- Self-Assessment tax return (SA100) digital filing
- Year-round allowable business expense & mileage optimisation
- Direct senior ACCA support & official HMRC representation
Ltd Company Package
- Statutory year-end financial accounts & Companies House filing
- Corporation Tax computation & return (CT600) preparation
- Director salary, dividend & remuneration tax planning
- Primary director SA100 return & annual CS01 filing included
Landlord Tax Package
- Annual rental property accounts for 1 to 2 rental units
- Property income Self-Assessment return (SA105) digital filing
- Section 24 finance cost relief & mortgage interest optimisation
- Allowable repair, maintenance & capital deduction review
Partnership Package
- Annual partnership accounts & Partnership Tax Return (SA800)
- Individual Self-Assessment returns (SA100) for 2 partners
- Strategic profit share, partner draw & capital account allocation
- Ongoing business advisory & HMRC compliance monitoring
* Landlord Portfolios & SPVs: Base tier covers 1–2 properties (£65/mo). Portfolios of 3–5 properties are £95/month; 6+ units are +£15/month per unit. Joint spouse/partner returns are +£15/month. Dedicated Corporate Property SPV packages start from £75/month.
* Partnerships & LLPs: Base tier includes statutory filings for 2 partners. Additional partners are supported at +£15/month (or £150/year) per partner; Limited Liability Partnerships (LLPs) add +£20/month for statutory Companies House filing.
Looking for One-Off Accountancy Services?
Require compliance without an ongoing monthly subscription? We deliver standalone Personal Self-Assessment tax returns (from £295), 60-day residential Capital Gains Tax (CGT) disposal filings (from £350), Section 24 Portfolio Tax Reviews (£250), and Companies House Limited Company or SPV formations (£200–£275) with zero added VAT.
Latest Tax Insights
for Chester Businesses & Landlords
Stay ahead of statutory HMRC deadlines and legislative shifts with practical guidance from our ACCA-regulated chartered certified accountants. Explore researched, plain-English commentary on Making Tax Digital (MTD for ITSA), director salary and dividend splits, Section 24 & Property SPVs, and Corporation Tax planning below—or visit our Chester Tax News Hub for our full archive.
July 31 Payment on Account Deadline: How Chester Sole Traders & Landlords Can Avoid Overpaying HMRC
As the 31 July Self Assessment payment on account deadline approaches, self-employed sole traders, partners, and landlords across Chester and North Wales are due to make their second tax instalment of the year to HMRC.
The First MTD ITSA Deadline (August 2026): Do You Actually Have to Pay Tax?
Author: Phillips & Co Accountants, Chester Date: 13 July , 2026 As we settle into July 2026, a historic milestone in the UK tax system has just been reached. The very first reporting quarter of Making Tax Digital for Income Tax Self Assessment (MTD for ITSA)...
Director Wealth Extraction 2026: The Optimal Salary vs. Dividend Split
Author: Phillips & Co Accountants, Chester Date: 01 July , 2026 Running a highly profitable limited company is only half the battle. Following the aggressive government Autumn Budget—which hiked Employer National Insurance to 15%, slashed the NI threshold to just...
Why Choose Phillips & Co?
Chester’s Dedicated Accounting Partner
Built on commercial clarity, measurable tax savings, and direct senior accountant access. We help limited companies, sole traders, and property landlords across Chester (CH1–CH4), Hoole, Boughton, Upton, Handbridge, and Chester Business Park legally minimise tax liabilities and scale with complete financial peace of mind.
Proactive Tax
Planning
We go far beyond basic year-end statutory compliance. We continuously review your remuneration structure, dividend thresholds, Section 24 relief, and allowable expenses—setting out clear, researched recommendations in writing.
Dedicated Senior
Support
No anonymous call centres or revolving junior staff. You partner directly with senior ACCA chartered certified accountants (Ref: 1274317), supported by streamlined cloud workflows and our encrypted IRIS OpenSpace client portal.
Zero Added VAT
Fixed Fees
Say goodbye to unexpected bills and ticking clocks. Our flexible monthly retainers provide all-inclusive tax compliance with zero added VAT and zero upfront barriers—saving Chester sole traders and landlords 20% out-of-pocket.
Trusted by Business Owners Across Chester & Cheshire
Read how our proactive tax planning and direct senior support deliver tangible financial savings and complete statutory compliance:
“Caught between a rock and a hard place with my timeline to get my self-assessment over the line, they managed it before the deadline while saving me money. Prompt and accurate, they deliver an impeccable service, which I highly recommend.”
“I was reluctant to switch from my bookkeeper but needed an accountant for my limited company accounts. Making the leap to Phillips & Co was the right decision. Their team made the entire process painless, professional, and clear.”
“I am absolutely made up with the service and attention to detail by Mark and Terry. They pay meticulous attention to every tiny query I have and are very good with evaluation and solutions at every step, delivering noticeable savings and greater efficiency.”
“Phillips & Co have been invaluable in streamlining our landlord tax returns and MTD setup. Clear communication, transparent fixed pricing, and exceptional proactive advice every step of the way. I couldn't ask for a better firm.”
Get Your Fixed Accountancy Quote
with Zero Added VAT in Chester
Tell us about your limited company, sole trader setup, or rental portfolio across Chester (CH1–CH4), Hoole, Boughton, or Chester Business Park. Our ACCA chartered certified accountants will evaluate your requirements and email a binding, itemised fixed-fee proposal within 1–2 business days—with zero added VAT, flexible monthly retainers, and zero upfront barriers.
106 Verified Google ReviewsFrequently Asked Questions
About Our Chester Accountancy Services
Transparent answers regarding fixed-fee monthly pricing, Making Tax Digital (MTD) statutory deadlines, and our zero-disruption digital onboarding process for Chester businesses and landlords.
01
How does switching accountants to Phillips & Co work?
Switching is completely seamless and stress-free. Once you approve our fixed-fee quote or complete our online client onboarding form, we manage the entire handover on your behalf—contacting your previous accountant for professional clearance and retrieving all prior statutory records and tax references. There is zero downtime, zero paperwork friction, and zero disruption to your daily trading.
02
Do you charge VAT on top of your advertised monthly accounting fees?
No. Phillips & Co operates with zero added VAT on client accountancy and tax services. The monthly fee advertised on our packages (e.g. £65/month for Sole Traders and Landlords, £95/month for Limited Companies and Partnerships) is the exact, all-inclusive price you pay on a flexible monthly retainer with zero upfront barriers—saving non-VAT registered Chester businesses and private landlords 20% out-of-pocket compared to traditional VAT-registered practices.
03
How does Making Tax Digital (MTD) affect Chester sole traders and property landlords?
HMRC Making Tax Digital for ITSA mandates digital bookkeeping records and four quarterly submissions for individuals with qualifying gross turnover or rental income over £50,000 from April 2026, and over £30,000 from April 2027. As an official certified Xero partner (also supporting FreeAgent and Dext), we configure your compliant digital ledger links and manage your quarterly HMRC filings and Year-End Final Declaration directly.
04
Are you qualified and regulated Chartered Certified Accountants?
Yes. Phillips & Co is an ACCA-regulated practice of chartered certified accountants (Firm Ref: 1274317). Established since 2012, we adhere to strict statutory oversight, mandatory professional indemnity standards, and continuous professional development to guarantee your tax structures remain legally compliant and proactively optimised for maximum retained profit.
05
How do we collaborate and receive tax advice throughout the year?
We operate a streamlined, 100% digital practice supporting company directors, sole traders, and landlords across Chester (CH1–CH4), Hoole, Boughton, Upton, and Chester Business Park. Rather than taking time out of your working day for travel or paying hourly rates for clocked meetings, every piece of tax advice is thoroughly researched against current UK legislation by a senior ACCA accountant and set out clearly in writing—giving you a permanent record you can rely on. Day-to-day records and statutory approvals are exchanged effortlessly via Xero, FreeAgent, Dext, and our encrypted IRIS OpenSpace portal.