personal tax

We are tax advisors to a wide variety of clients, offering services that range from simple tax computations and filing, through to more complex tax affairs.

Do you need to complete a Self Assessment Tax Return?

If HMRC sends you a Tax Return notice, you’ll need to file a Self-Assessment. Many other situations trigger this requirement too, use HMRC’s free online tool to check: gov.uk/check-if-you-need-tax-return.

We handle the full burden of accurate self-assessment submission—simply provide your financial records and information, and we’ll calculate everything, claiming all eligible reliefs/allowances/repayments, and meet every deadline on time.

CGT applies to the profit (your “gain”) when you dispose of an asset that’s increased in value. Disposal includes selling, gifting, exchanging, or receiving compensation (like insurance payouts).

You’ll pay CGT on gains from:

Personal possessions worth £6,000+ (except your car)
Second homes or rental properties
Your main home if let out, used for business, or very large
Shares outside ISAs/PEPs
Business assets
Your share of jointly owned assets

Once you’ve identified a CGT exposure, we can report the tax due and advise on numerous reliefs and strategies that may help reduce your tax bill.

Inheritance tax (IHT) taxes the estate (property, money, possessions) of someone who has died.

Normally no IHT is due if the estate value is below the nil-rate threshold (£325,000), or everything above the threshold goes to your spouse/civil partner, or charity.

However, even below-threshold estates must be reported to HMRC.

IHT demands careful planning during a difficult time. While you focus on grieving, we leverage every legal advantage to minimise your tax liability and protect your legacy.

An estate includes all property, money, and possessions owned at death. A living trust lets you hold assets (like your home) during life, then pass them to others upon death.

How trusts work: The grantor creates a legal agreement where trustees manage assets for beneficiaries, subject to certain duties and terms of the agreement.

There are several types of Trusts within the UK, mainly:

Bare trusts: Trustees hold assets outright for beneficiaries (full access at 18).
Interest in possession trusts: Beneficiaries are entitled to specific assets plus income.
Discretionary trusts: Trustees decide distributions among beneficiaries.

Establishing whether there is a trust or estate, and the type of trust, is very important as different rules apply to each affecting how the personal representatives and trustees are taxed.

When you’re UK resident for tax purposes, you’re usually taxed on the arising basis. This means all your worldwide income and gains are taxable in the UK, even if they’ve already been taxed in another country, and must be declared on your UK tax return.

In many cases, the UK gives relief for foreign tax already paid, either under a Double Taxation Agreement (DTA) or via unilateral relief, so you’re not taxed twice on the same income.

Are you UK resident for tax purposes? You’re likely to be UK resident under the Statutory Residence Test (SRT) if, for example, you:

Spend 183 days or more in the UK in the tax year
Have your only home (or main home) in the UK
Work full-time in the UK over a 365‑day period

You can still be UK resident even if you do not meet one of the simple tests above. The outcome then depends on your ties (or “connections”) to the UK and how much time you spend here.

We can help you navigate residency, domicile, and international tax rules, structure your affairs efficiently, and ensure you meet your UK obligations while avoiding unnecessary double taxation.

Whether you intend to buy a new property to let, or just simply want to rent out a room in your home, we help those new to the market or those already involved with a portfolio of properties.

We can prepare your rental income accounts, advise on what expenses can be claimed, and manage your tax return submissions.

We will assist you devise a longer-term plan, and discuss if forming a limited company could be beneficial.

We can develop disposal strategies with you and advise on any capital gains tax position.