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SA100 Filings, High Earners & Capital Gains Tax

Personal Tax & Self-Assessment
Returns with Zero Added VAT

5.0 106 Verified Reviews

Fixed-fee Self-Assessment (SA100) tax returns, higher-rate pension and dividend planning, and 60-day Capital Gains Tax filings for company directors, high earners, landlords, and CIS subcontractors across Chester, the Wirral, Liverpool, and UK-wide. Our standalone personal tax packages start from £250 with zero added VAT—giving you clear written tax calculations and full HMRC compliance with no surprise bills.

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Fixed Fees (From £250)
Zero Added VAT (Save 20%)
Registered HMRC Tax Agent
Direct Senior ACCA Support
Fixed-Fee Self-Assessment & Tax Planning

Clear, Fixed-Fee
Personal Tax Packages

Whether you need to file a Self-Assessment tax return as a company director, report rental property income, reclaim higher-rate pension tax relief, or declare a capital gain, accurate reporting keeps you compliant with HMRC and avoids late-filing penalties.

At Phillips & Co, our ACCA chartered certified team prepares and submits personal tax returns for clients across Chester, the Wirral, Liverpool, and UK-wide—checking every allowable tax relief and filing your SA100 return well ahead of the 31 January deadline with zero added VAT.

Zero Added VAT on All Personal Tax Fees

Save 20% Out-of-Pocket

Private individuals cannot reclaim VAT charged on personal tax return fees. Because Phillips & Co does not add 20% VAT to our charges, a £295 Self-Assessment return costs you £295 total—saving you 20% out-of-pocket compared to VAT-registered accountancy practices.

Individual Compliance SA100 Filing

Standard Tax Return

For company directors, higher-rate PAYE earners (£100k+), single buy-to-let landlords, and individuals with UK dividends or savings income. (Simple PAYE / CIS rebates from £250).

£ 295 / Fixed Fee (No VAT)
  • Full SA100 tax computation & supplementary schedule preparation (SA102 / SA105)
  • Review of personal allowances, Gift Aid, professional subscriptions & marriage allowance
  • Online submission to HMRC via our registered agent gateway
  • Written tax summary confirming balancing payments & January/July Payments on Account
Select Standard Return Or go straight to Client Onboarding →
Most Popular for High Earners

Complex & High Earner Tax

For high earners (£100k+), multi-property landlords, and individuals reporting capital gains disposals, foreign income, or pension tapering.

£ 395 / From (No VAT)
  • Capital Gains Tax (SA108) computations for property, shares & cryptoassets, including loss relief claims
  • £100k–£125,140 Personal Allowance Taper (60% effective tax band) & High-Income Child Benefit Charge (HICBC) reviews
  • Higher-rate & additional-rate pension relief claims, carry-forward checks & Gift Aid relief
  • Foreign income (SA106), double-taxation relief & residency (SA109) schedules
Select Complex Return Or go straight to Client Onboarding →
Director Planning

Director Profit Extraction Review

A standalone written tax review for company directors looking to extract profits efficiently across salary, dividends, and employer pension contributions.

£ 495 / Fixed Fee (No VAT)
  • Review of company distributable reserves, Corporation Tax position & personal tax bands
  • Remuneration modelling: side-by-side comparison of salary, dividends & employer pension contributions
  • Spouse / family shareholding & tax-band utilisation review
  • Director's Loan Account (DLA) & CTA 2010 s.455 (33.75%) tax charge review
Request Director Review Or go straight to Client Onboarding →
Included for Monthly Retainer Clients: If you are a company director on one of our Limited Company monthly packages, your primary Director Self-Assessment (SA100) return is already included in your monthly fee (and up to 2 Partner SA100 returns are included in our Partnership packages). Standalone fees apply only to one-off personal tax clients or additional directors/partners.
Selling a UK Residential Property? (60-Day CGT Returns — £395): HMRC requires UK residents disposing of a residential buy-to-let or second home at a taxable capital gain to file a standalone 60-Day UK Property CGT Return and pay the estimated tax within 60 days of completion. We prepare the gain computation (including Private Residence Relief and enhancement expenditure) and submit the return to HMRC for a fixed fee of £395 per disposal (No VAT) (+£150 for a simultaneous spouse/joint-owner return).
Verified Client Feedback

Trusted by Company Directors,
Landlords & High Earners

We act for company directors, property landlords, and higher-rate taxpayers across Chester, the Wirral, Liverpool, and UK-wide—filing accurate Self-Assessment returns ahead of the deadline with clear written advice and zero added VAT.

5.0 Star Rated (106 Verified Google Reviews)
Self-Assessment

“Caught between a rock and a hard place with my timeline to get my self-assessment over the line, they managed it well before the deadline while saving me money. Prompt and accurate, they deliver an impeccable service, which I highly recommend.”

Damien Mason Liverpool • Verified Client
Director & Personal Tax

“I was reluctant to switch from my previous bookkeeper but needed an accountant for my company accounts and personal tax return. Making the leap to Phillips & Co was the right decision. Their team made the entire process painless, patient, and clear.”

Christina Saunders Chester • Verified Client
Personal Tax Advice

“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 proactive with advice, delivering noticeable tax savings and greater commercial efficiency.”

Stephanie Lobo Chester • Verified Client
106 5.0-Star Verified Google Reviews
Zero Added VAT (Save 20%)
ACCA Chartered Certified Practice (Ref: 1274317)
Supporting Clients Across Chester, Wirral, Liverpool & UK-Wide
Full Service Breakdown

In-Depth Service Breakdowns:
Exactly What Is Included

We set out our scope clearly so you know exactly what is included in your fixed fee before we start work. Below is the full breakdown of our standalone personal tax, Capital Gains Tax, and director remuneration services across Chester, the Wirral, Liverpool, and UK-wide—all with zero added VAT.

Individual SA100 Compliance

The Standard Individual Return

Built for company directors, higher-rate PAYE employees (£100k+), single buy-to-let landlords, pensioners, and individuals with UK dividends or savings income. (Simple PAYE coding / CIS subcontractor rebate returns from £250, No VAT).

£ 295
Fixed Fee (No VAT)
Scope Note: Standard pricing covers employment income (SA102), director dividends, pension income, UK interest, or a single rental property (SA105). Full sole trader business accounts or multi-property portfolios are covered under our Sole Trader (£65/mo) and Landlord (£65/mo) packages.
Full Tax Computation: We review your P60s, P45s, P11D benefits in kind, dividend vouchers, and bank interest certificates to prepare an accurate SA100 tax calculation.
Allowable Tax Relief Review: We check that you claim every eligible deduction—including Gift Aid donations, qualifying professional subscriptions, marriage allowance, and higher-rate personal pension relief.
Online HMRC Agent Submission: Once you approve your return securely via IRIS OpenSpace, we submit your SA100 directly to HMRC through our registered agent gateway and provide your submission receipt.
Clear Payment Summary: You receive a plain-English written summary setting out your exact balancing payment or tax refund, HMRC payment reference, and due dates.
Payments on Account Checks: We calculate your 31 January and 31 July Payments on Account and, where your income has reduced in the new tax year, submit a formal reduction claim to HMRC.
Pension Annual Allowance Checks: We check your pension contributions against the annual allowance, utilising unused relief from the three previous tax years where applicable.
Already ready to instruct us? Go to Client Onboarding → Select Standard Return (£295)
Multi-Schedule & Capital Gains

Complex & High Earner Tax Returns

Built for higher-rate and additional-rate taxpayers with multiple income streams requiring supplementary schedules for Capital Gains Tax, foreign income, trust distributions, or £100k+ allowance tapering.

From £ 395
Fixed Quote (No VAT)
Capital Gains Tax (SA108) & Share Pooling: We calculate Capital Gains Tax across listed shares, unlisted company disposals, and cryptoassets—applying Section 104 share pooling, annual exemptions, and capital loss claims.
High-Volume Investment & Crypto Schedules: Where high-frequency broker or exchange datasets require specialised data reconciliation (such as Koinly or multi-currency broker statements), we agree a fixed data-reconciliation fee (from £150, No VAT) in advance.
£100k Taper & High-Income Child Benefit (HICBC): We calculate adjusted net income for clients earning over £60,000 (HICBC threshold) and £100,000 (where the £12,570 Personal Allowance tapers away), advising on pension and Gift Aid deductions.
Foreign Income & Double Taxation Relief (SA106): Reporting of overseas dividends, foreign rental income, and Foreign Tax Credit Relief under UK double taxation treaties and the Foreign Income and Gains (FIG) rules.
Trusts, Estates & Chargeable Event Gains (SA107): Preparation of supplementary trust and estate schedules (SA107 / R185), reconciling trust tax credits and life policy chargeable event certificates (top-slicing relief).
*Note: Fixed compliance quotes cover full Self-Assessment schedule preparation and online HMRC submission. Standalone written tax opinions or international residency reviews are quoted separately in advance.
Already ready to instruct us? Go to Client Onboarding → Select Complex Return (From £395)
UK Property Disposal

60-Day Residential Property CGT Return

For landlords, property investors, and second-home owners selling a UK residential property at a taxable capital gain. (+£150 where a jointly owned property requires a simultaneous second return for a spouse or co-owner).

£ 395
Per Disposal (No VAT)
Mandatory 60-Day HMRC Reporting (TCGA 1992 Sch 2): When you sell a UK residential property that does not qualify for full Private Residence Relief (PRR), HMRC requires you to submit a standalone UK Property Disposal return and pay the estimated Capital Gains Tax within 60 days of completion. We review your completion statements, deduct eligible purchase/sale legal fees, stamp duty, and capital improvement costs, calculate any partial PRR, and submit the return via HMRC's Capital Gains on UK Property service.
Already ready to instruct us? Go to Client Onboarding → Book 60-Day CGT Return (£395)
Written Director Advisory

Director Profit Extraction & Remuneration Review

A standalone written tax review for limited company directors who want to compare the combined Corporation Tax and personal Income Tax cost of different salary, dividend, and pension structures.

£ 495
Fixed Fee (No VAT)
Company & Personal Tax Review

A full review of your company's distributable reserves, marginal Corporation Tax rate, Director's Loan Account (s.455) balance, and household tax bands.

Remuneration Modelling

Side-by-side calculations comparing NIC thresholds, Employment Allowance eligibility, dividend tax bands, and deductible employer pension contributions.

Written Remuneration Plan

A tailored written report setting out exact monthly salary figures, dividend timing, and pension contributions to reduce your combined tax bill.

Already ready to instruct us? Go to Client Onboarding → Request Director Review (£495)