The Accountants Chester
Businesses & Landlords Trust
Chartered certified accountants in Chester providing practical tax advice, Making Tax Digital compliance, and fixed-fee cloud accounting. Working with limited companies, sole traders, and landlords across Chester (CH1 to CH4), Hoole, Boughton, and Chester Business Park.
- ACCA Regulated (Ref: 1274317): Experienced chartered certified accountants, never outsourced
- Fixed Monthly Fees: Predictable retainers agreed upfront with no unexpected year-end bills
- Cloud Accounting & Portal: Certified Xero Partner with secure IRIS OpenSpace document sharing
Fee Packages
Choose your business structure to view monthly retainers:
Check Your Making Tax Digital (MTD) Status
Statutory HMRC Compliance Deadlines
Select your business structure and gross annual income below to check your statutory HMRC digital reporting deadlines and suitable package tier:
Quarterly Digital Reporting Mandatory from April 2027
Under statutory HMRC Phase 2 rules, qualifying Sole Traders / Self-Employed individuals with gross income between £30,000 and £50,000 must keep digital bookkeeping records and submit 4 quarterly updates plus a Year-End Final Declaration using MTD-compatible software from 6 April 2027.
Accountancy & Tax Services for
Chester Businesses & Landlords
Chartered certified Chester accountants providing practical tax advice, Xero cloud bookkeeping, and statutory HMRC compliance across Chester (CH1 to CH4), Hoole, Boughton, Upton, Saltney, Handbridge, and Chester Business Park.
Sole Trader
Accounting
Practical tax planning, allowable expense reviews, and Self Assessment compliance to protect your take-home profits.
- Making Tax Digital (MTD) quarterly bookkeeping
- Self Assessment (SA100 & SA103) preparation & filing
- Certified Xero partner & cloud bookkeeping
Limited Company
Accounting
Complete company accounts, Corporation Tax planning (CT600), and Companies House filings for Chester limited companies.
- Director salary, dividend & pension tax planning
- Corporation Tax return (CT600) computations
- Year-end statutory accounts & CS01 filing
Landlord & Property
Tax Services
Property tax compliance and planning for buy-to-let landlords, HMOs, and property SPVs, covering Section 24 relief and quarterly MTD reporting.
- Section 24 relief & Property SPV structuring
- HMRC MTD for ITSA quarterly property filings
- Capital Gains Tax (CGT) 60-day reporting
Partnership
Accounting
Annual accounts and tax returns for general partnerships and LLPs, covering profit allocation, capital accounts, and individual partner returns.
- Partnership tax return (SA800) preparation & filing
- Individual partner Self Assessment returns (SA104)
- Profit share, capital accounts & partner drawings
Personal Tax &
Self Assessment
Accurate, on-time annual tax returns for company directors, landlords, and private clients from £295, claiming every available allowance and relief.
- Full SA100 computation & online HMRC filing
- Dividend, savings, capital gains & foreign income review
- High Income Child Benefit & pension tax relief
Startup Business
& Formation
Complete limited company and SPV incorporation (£271.99 including the £100 Companies House fee), share structuring, and HMRC tax registrations.
- Companies House & Property SPV incorporation
- PAYE, VAT, and Corporation Tax registrations
- Initial tax structuring & Xero cloud setup
Fixed-Fee Accounting Packages
Built for Chester Businesses & Landlords
Fixed monthly accountancy packages from our chartered certified Chester accountants for limited companies, sole traders, and property landlords across Chester (CH1 to CH4), Hoole, Boughton, Upton, and Chester Business Park. Agreed upfront with no hourly billing or unexpected year-end invoices.
Sole Trader Package
Fixed Monthly Fee • Agreed Upfront- Annual trading accounts & HMRC tax computation
- Self Assessment tax return (SA100 & SA103) filing
- Allowable business expense & mileage review (55p/mile AMAP)
- Experienced ACCA accountants & HMRC agent representation
Ltd Company Package
Fixed Monthly Fee • Agreed Upfront- Statutory year-end accounts & Companies House filing
- Corporation Tax computation & return (CT600) filing
- Director salary, dividend & remuneration tax planning
- 1 director SA100 return & annual CS01 filing included
Landlord Tax Package
Fixed Monthly Fee • Agreed Upfront- Annual rental property accounts for 1 to 2 rental properties
- Property Self Assessment return (SA100 & SA105) filing
- Section 24 finance cost relief & mortgage interest calculation
- Allowable repairs, replacements & SPV structuring review
Partnership Package
Fixed Monthly Fee • Agreed Upfront- Annual partnership accounts & Partnership Tax Return (SA800)
- Individual Self Assessment returns (SA100) for 2 partners
- Profit share, partner drawings & capital account allocation
- Written tax planning advice & HMRC compliance monitoring
Essential (£95/mo) covers accounts, CT600, CS01, Xero support, and 1 director SA100. Add 1-director payroll for +£40/month (or +£45/month up to 5 employees, +£5/payslip thereafter) and quarterly MTD VAT returns for +£35/month, or choose Growth (£165/mo) or Pro (£345/mo).
Base tier covers 1 to 2 properties (£65/mo). Portfolios of 3 to 5 units are £95/month; 6 or more units add +£15/month per unit. HMOs add +£15/month per HMO; joint spouse returns add +£15/month. Corporate Property SPV packages start from £75/month.
Base tier (£95/mo) includes statutory SA800 and SA100 filings for 2 partners. Additional partners are supported at +£15/month per partner; Limited Liability Partnerships (LLPs) add +£20/month for statutory Companies House iXBRL accounts.
Looking for One-Off Accountancy Services?
Need a single tax return or company setup without an ongoing monthly retainer? We handle standalone Personal Self Assessment tax returns (from £295), 60-day residential Capital Gains Tax (CGT) filings (from £350), Section 24 Portfolio Tax Reviews (£250), and Companies House Limited Company or SPV formations (£271.99 including the £100 Companies House fee) across Chester.
Latest Tax Insights
for Chester Businesses & Landlords
Keep up to date with HMRC deadlines and UK tax changes with practical guides from our ACCA-regulated chartered certified accountants. Read our latest articles on Making Tax Digital (MTD for ITSA), director salary and dividend planning, Section 24 and property SPVs, and Corporation Tax below, or browse the full archive in our Chester Tax News Hub.
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 Chartered Certified Accountants
Built on clear written advice, practical tax planning, and experienced ACCA-qualified accountants. We help limited companies, sole traders, and property landlords across Chester (CH1 to CH4), Hoole, Boughton, Upton, Handbridge, and Chester Business Park reduce their tax bills legally and stay on top of HMRC deadlines.
Practical Tax
Planning
We look well beyond basic year-end filing. We review your director salary and dividend split, Section 24 finance relief, capital allowances, and allowable expenses, setting out clear recommendations in writing.
Qualified ACCA
Accountants
No call centres or outsourced bookkeeping. Your accounts and tax returns are handled by experienced chartered certified accountants, supported by Xero cloud accounting and our secure IRIS OpenSpace portal.
Fixed Monthly
Fees
No hourly billing or unexpected year-end invoices. Our monthly retainers are agreed upfront with a clear scope of work, covering your annual accounts, tax returns, and year-round HMRC correspondence.
Trusted by Business Owners Across Chester & Cheshire
Read how our Chester clients rate our tax advice, communication, and fixed-fee service on Google:
“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 continue to make the complex simple and straightforward, and save me money every year with their brilliant guidance.”
“Extremely prompt, clear, and polite at all times, and helped to make sense of what can be very confusing.”
Get a Fixed-Fee Quote
Tailored to Your Chester Business
Tell us a few details about your limited company, sole trader setup, or rental portfolio across Chester (CH1 to CH4), Hoole, Boughton, or Chester Business Park. An ACCA-qualified accountant will review your requirements and email a clear, itemised written quote within 1 to 2 business days, with no sales calls or chasing.
Frequently Asked Questions
About Our Chester Accountancy Services
Clear answers on our fixed monthly fees, Making Tax Digital (MTD) deadlines, and switching accountants for Chester businesses and landlords.
01
How does switching accountants to Phillips & Co work?
Once you accept our written quote or complete our client onboarding form, we handle the handover for you. We write to your previous accountant to request professional clearance, obtain your prior-year accounts and tax records, and register our HMRC agent authorisation so the transition runs smoothly without disrupting your day-to-day business.
02
Are your monthly accounting fees fixed, or are there extra charges at year-end?
Our monthly retainers are fixed and agreed upfront in writing with a clear scope of work, so there is no hourly billing or unexpected year-end invoice. Sole Trader and Landlord packages start from £65/month, Partnerships from £95/month, and Limited Company packages are £95/month (Essential), £165/month (Growth), and £345/month (Pro). If you need optional add-ons such as payroll or quarterly VAT returns, those are priced clearly in advance.
03
How does Making Tax Digital (MTD) affect Chester sole traders and property landlords?
HMRC Making Tax Digital for Income Tax (MTD for ITSA) requires digital bookkeeping records and four quarterly updates plus a Year-End Final Declaration for sole traders and landlords with combined gross business or rental income over £50,000 from 6 April 2026, and over £30,000 from 6 April 2027. As an official certified Xero partner (also supporting FreeAgent and Dext), we configure your digital records and submit your quarterly updates and year-end declaration to HMRC.
04
Are you qualified and regulated Chartered Certified Accountants?
Yes. Phillips & Co is an ACCA-regulated firm of chartered certified accountants (Firm Ref: 1274317). Established in 2012, we operate under ACCA regulatory oversight, mandatory professional indemnity standards, and continuing professional development requirements, ensuring your accounts and tax returns are prepared accurately in line with current UK tax legislation.
05
How do we work together and receive tax advice throughout the year?
We support limited companies, sole traders, and landlords across Chester (CH1 to CH4), Hoole, Boughton, Upton, and Chester Business Park using modern cloud tools and clear written advice. Rather than requiring you to take time out of your working day for travel or charging by the hour for meetings, we research your tax position against current UK legislation and set out our advice clearly in writing so you always have an accurate record to refer back to. Day-to-day bookkeeping records, payslips, and statutory approvals are shared securely through Xero, FreeAgent, Dext, and our encrypted IRIS OpenSpace portal.