Personal Tax & Self-Assessment
Accountants with Zero Added VAT
Take the stress out of the 31 January deadline. Our ACCA chartered certified team prepares and files accurate Self-Assessment tax returns (SA100), Capital Gains Tax schedules (SA108), and 60-day UK residential property disposal returns for company directors, landlords, higher-rate earners (£100k+), and CIS subcontractors across Chester, the Wirral, Liverpool, and UK-wide—with fixed fees from £250 (Standard Director/Investor Returns at £295) and zero added VAT.
Practical Personal Tax &
Self-Assessment Solutions
Whether you are extracting salary and dividends from a limited company, selling a UK residential buy-to-let property, or reclaiming higher-rate pension relief to avoid the £100,000 Personal Allowance taper, our ACCA team prepares accurate computations and clear written advice across Chester, the Wirral, Liverpool, and UK-wide—all at fixed fees with zero added VAT.
Self-Assessment Tax Returns (SA100)
Full personal tax calculations and online HMRC submission for company directors, property landlords, higher-rate earners (£100k+), and CIS subcontractors—prepared well ahead of the deadline.
- Multi-stream income reporting (P60/P11D salary, dividends, UK property, savings, and foreign income)
- Higher-rate personal pension relief & Gift Aid relief claims to restore your £12,570 Personal Allowance
- High Income Child Benefit Charge (HICBC — £60k to £80k taper) & Payments on Account modelling
- Approved via IRIS OpenSpace and filed online with HMRC well before the 31 January statutory deadline
Company Director Tax Planning
Side-by-side profit extraction calculations for limited company directors—balancing your personal Income Tax and dividend bands against your company's Corporation Tax bill.
- Tax-efficient director salary and dividend split modelling tailored to your household income
- Director's Loan Account (DLA) monitoring & CTA 2010 s.455 (33.75%) tax charge planning
- Deductible employer pension contributions paid straight from pre-tax company profits (saving 19%–25% CT)
- Spouse & family shareholding reviews to utilise household basic-rate tax bands legitimately
Capital Gains Tax (CGT) & 60-Day Returns
Capital gain calculations and mandatory 60-day HMRC reporting on UK residential property sales, second homes, share portfolios, cryptoassets, and business disposals.
- Mandatory 60-day HMRC UK Residential Property CGT return preparation & online submission
- Claiming your £3,000 annual CGT exemption, capital improvement costs, and brought-forward capital losses
- Private Residence Relief (PRR) & Business Asset Disposal Relief (BADR — 18% rate) computations
- Pre-exchange disposal modelling (including inter-spousal transfers) to minimise tax before completion
Spousal Splits & Estate Tax Planning
Practical family tax and estate planning—helping couples and business owners structure joint property income, lifetime gifting, and Inheritance Tax (IHT) allowances.
- Deed of Trust & HMRC Form 17 elections to allocate joint property rental income to a lower-earning spouse
- Estate threshold reviews covering the £325,000 Nil-Rate Band and £175,000 Residence Nil-Rate Band
- Tax-free inter-spousal transfers, annual gifting exemptions, and Potentially Exempt Transfer (PET) guidance
- Business Property Relief (BPR) reviews for trading company shares and family investment structures
Need your Self-Assessment return or 60-day CGT return prepared?
Our ACCA-regulated personal tax fees start from £250 (Standard Director/Investor Returns at £295) with zero added VAT.
Our Simple 3-Step
Tax Return Process
Filing your personal Self-Assessment tax return should not mean losing a weekend to HMRC forms. Our structured three-step workflow handles the entire process for you—claiming every eligible tax relief and filing your return accurately across Chester, the Wirral, Liverpool, and UK-wide with zero added VAT.
Simple Document Upload
We send you a clear personal tax checklist and set up your encrypted 24/7 IRIS OpenSpace portal so you can upload your P60, P11D, dividend vouchers, or letting agent statements in minutes.
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Tailored Checklist: A clear list of the exact documents needed for your specific income sources and reliefs.
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IRIS OpenSpace Portal: Secure 24/7 encrypted file sharing and digital document approval from your phone or desktop.
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HMRC Agent Authorisation: We link directly with HMRC as your registered agent to verify PAYE coding notices and prior history.
Tax Computation & Relief Review
Our ACCA accountants prepare your full SA100 computation—checking every income schedule, pension contribution, Gift Aid payment, and capital gain to make sure you never overpay HMRC.
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Full Schedule Reconciliation: Careful checking of employment income, dividend bands, UK property pages (SA105), and capital gains (SA108).
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Every Relief Claimed: Higher-rate pension relief, Gift Aid, £100k Personal Allowance taper mitigation, and Section 24 property credits applied in full.
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Senior ACCA Review: Every tax return is reviewed directly by a qualified senior accountant—never outsourced.
On-Time Filing & Payment Schedule
Once you review and e-sign your return via IRIS OpenSpace, we submit your SA100 online to HMRC well ahead of the 31 January deadline and send you a clear written summary of your tax position.
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Online HMRC Submission: Prompt electronic filing accompanied by official HMRC submission receipt confirmation.
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Clear Written Breakdown: A plain-English schedule showing your exact tax figure (or refund due), HMRC payment reference, and due dates.
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Payments on Account Checks: We review your 31 January and 31 July Payments on Account and submit reduction claims where your income has fallen.
Transparent, Fixed-Fee
Personal Tax Packages
Personal tax filing should never come with hidden charges or unexpected hourly bills. Review our fixed-fee Self-Assessment, Capital Gains Tax, and director tax planning packages below—prepared by our senior ACCA team across Chester, the Wirral, Liverpool, and UK-wide with zero added VAT.
Zero Added VAT on All Personal Tax Fees
Save 20% Out-of-PocketPrivate individuals cannot reclaim VAT charged on personal tax return fees. Unlike VAT-registered accountancy practices that add 20% on top, our quoted fees are the exact total you pay—meaning a £295 Standard Tax Return costs you £295 total (and Simple PAYE / CIS Rebate Returns are £250 total).
Standard Individual Tax Return
Company Directors, £100k+ PAYE & Investors
- Full personal SA100 tax computation & online HMRC submission
- Covers P60/P11D employment, director dividends, pensions & UK bank interest
- Higher-rate pension relief, Gift Aid & £100k Personal Allowance taper checks
- Note: Simple single-source PAYE coding or CIS subcontractor rebate returns are £250 (No VAT). Sole trader & landlord accounts are covered under our dedicated Sole Trader & Landlord plans.
Complex & High Earner Return
Capital Gains (SA108), Foreign Income & Multi-Schedule
- Includes everything in the Standard (£295) SA100 tax return package
- Capital Gains Tax (SA108) s.104 share pooling, investment portfolios & loss claims
- Foreign income schedules (SA106), double taxation relief & 4-Year FIG regime checks
- High Income Child Benefit Charge (HICBC), trust income & crypto schedules (Koinly/CoinTracker reconciliation from +£150)
60-Day Residential Property CGT
Standalone UK Buy-to-Let & Second Home Sales
- Mandatory 60-day HMRC UK Property Disposal return computation & filing
- Private Residence Relief (PRR), lettings relief & capital improvement optimisation
- Simultaneous joint-owner / spouse disposal return available for +£150 (No VAT)
- Full calculation schedule ready to drop straight into your year-end SA100 return
Director Profit Extraction Review
Salary, Dividend, Pension & DLA Planning
- Full review of company profits, distributable reserves & household income bands
- Side-by-side modelling of optimal director salary, dividends & employer pensions
- Planning around the £50,270 higher-rate and £100,000 Personal Allowance taper bands
- Director's Loan Account (DLA) review & CTA 2010 s.455 (33.75%) tax charge planning
Important Personal Tax Scope & Package Notes
Monthly Package Clients:
If you are already a client on one of our monthly Limited Company, Partnership, Sole Trader, or Landlord packages, your personal SA100 tax return is already included in your monthly plan (2nd company director or 3rd+ partner returns are just +£15/month). The standalone fees above apply to one-off personal tax clients.
Sole Trader, Landlord & Form 17 Scope:
The £295 Standard Return covers employment, director dividends, pensions, and savings (simple PAYE/CIS rebate returns are £250). Standalone Deed of Trust & HMRC Form 17 elections are £295 (No VAT). Full annual trading or rental accounts are supported under our Sole Trader (£65/mo or £495 one-off) and Landlord (£65/mo) packages.
Payments on Account & Portal Approval:
Every SA100 filing includes a full check of your 31 January and 31 July HMRC Payments on Account—including submitting formal reduction claims where your income has fallen—plus secure digital sign-off via IRIS OpenSpace.