Healthcare Accountant London | Dentists, GPs, Care Agencies | LOYALS King's Cross
โญ 4.8/5 Google Rating
๐Ÿฅ 120+ Healthcare Clients
๐ŸŽ“ ICAEW Chartered
๐Ÿ’ฐ ยฃ500K+ Tax Saved
๐Ÿฉบ NHS, Private Healthcare & Care Agencies Specialists

Healthcare Accountant London Dentists, GPs, Locums, Care Agencies & Medical Practices

Specialist ICAEW chartered accountants who understand NHS contracts, associate income complexity, domiciliary care regulations, and the unique tax challenges facing healthcare professionals across London. From locum doctors to dental practices, live-in care agencies to GP surgeries - we optimize your finances so you can focus on patient care.

๐Ÿ“… Book Free Healthcare Consultation ๐Ÿ“ž Call Now: 07450 258975 ๐Ÿ“… Book Free Consultation

โญโญโญโญโญ Trusted by 120+ healthcare professionals & care agencies | Harley Street to Hammersmith | Extended hours: 7 days/week

Why Healthcare Professionals Need Specialist Accountants

Generic accountants miss the nuances of healthcare income. We specialize in the complex tax situations facing dentists, GPs, locums, care agencies, and medical practice owners.

๐Ÿฅ

NHS Contract Complexity

NHS pension deductions, contract income reporting, and mixed NHS/private work create unique accounting challenges. From April 2025, new NHS contract deduction rules require specialist knowledge to avoid HMRC penalties and ensure proper tax treatment of your earnings.

๐Ÿ’ผ

Associate Income Optimization

Associate dentists and GP partners face complex income structures with profit share calculations, goodwill considerations, and dual employment status. 90% benefit from specialist accounting that maximizes tax efficiency through proper structure analysis and deduction optimization.

๐Ÿ 

Care Agency Compliance

Domiciliary care agencies face unique challenges: CQC registration costs, worker classification (employed vs self-employed carers), complex payroll with unsociable hours premiums, mileage and travel time accounting, and CareQuality Commission fee planning. Live-in care agencies need specialist VAT and employment law knowledge.

๐Ÿ“ˆ

Practice Growth Challenges

Expanding from solo practitioner to employing associates or staff involves VAT registration decisions, payroll complexities, CQC compliance costs, and partnership taxation. Growing healthcare practices need strategic financial guidance, not just compliance accounting.

What Makes LOYALS Different for Healthcare Professionals

We're not just accountants who happen to work with healthcare clients. We're specialists who understand your unique financial landscape.

๐ŸŽฏ

Healthcare-Specific Expertise

We understand NHS contract deductions, BMA guidance, GDC requirements, and medical indemnity costs. Our team knows the difference between Type 1 and Type 2 associates, how locum income affects tax brackets, and which expenses are allowable for healthcare professionals.

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Extended Hours Support

Healthcare professionals work irregular hours. So do we. Available 7 days a week including weekends - when you finish your Saturday clinic or late evening surgery, we're here to answer your accounting questions via phone, email, or WhatsApp.

๐Ÿ’ก

Proactive Tax Planning

Beyond compliance, we optimize your tax position. Pension contribution strategies, income splitting for GP partners, equipment purchase timing, practice incorporation analysis - we ensure you keep more of what you earn while staying HMRC compliant.

Dr. Sarah's Story: From Overwhelmed to Optimized

๐Ÿ“‹ The Problem

Dr. Sarah Chen, a GP partner in Camden with three NHS sessions plus private work, was using a high-street accountant who treated her like any other business. Her previous accountant didn't understand NHS pension contributions, misclassified some of her private income, and she was constantly worried about HMRC penalties.

When her practice decided to expand and employ two associate GPs, her accountant couldn't advise on partnership tax implications or VAT registration timing. Sarah was spending 12+ hours monthly wrestling with accounting spreadsheets instead of seeing patients.

The Breaking Point: Sarah received an HMRC query about her NHS contract deductions that her accountant couldn't explain properly. She realized she needed specialist healthcare accounting expertise.

โœ… The LOYALS Solution

Within days of joining our Premium Healthcare Accounting service, we:

  • Sorted her NHS contract reporting - ensuring all deductions were properly recorded and tax-optimized
  • Restructured her private income - identifying ยฃ4,800 in missed expenses and optimizing her tax position
  • Advised on practice expansion - helping structure the associate agreements for maximum tax efficiency
  • Set up automated systems - reducing her monthly accounting time from 12 hours to zero
The Results: Sarah now saves ยฃ6,200 annually through proper tax planning, recovered ยฃ4,800 in previously missed expenses, and has complete confidence in her HMRC compliance. She expanded her practice successfully with two associates and took her first proper holiday in three years.

"LOYALS understands healthcare in a way my previous accountant never did. They speak my language, understand NHS contracts, and actually save me money while giving me peace of mind. Best decision I made for my practice."

โš ๏ธ April 2025: Critical NHS Contract Changes You Need To Know

From April 2025, NHS England is implementing significant changes to how contractor deductions are processed and reported. These changes affect:

  • GP Partners & Locums: New reporting requirements for NHS pension contributions and superannuation deductions
  • Dental Practitioners: Changes to NHS contract income classification and deduction processing timelines
  • Consultant Sessions: Updated treatment of Part 11A sessions and pay award backdating
  • All Healthcare Contractors: Modified self-assessment reporting requirements to align with new NHS systems

What This Means: If your accountant doesn't understand these changes, you risk HMRC penalties, incorrect tax returns, and overpaying tax. LOYALS is fully briefed on April 2025 changes and will ensure your accounts reflect the new requirements correctly.

๐Ÿ“… Book Pre-April Consultation

Healthcare Accounting Packages

All packages include specialist healthcare accounting expertise. Choose based on your complexity and growth stage.

Premium Healthcare Accounting

ยฃ300
per month
  • โœ… Personal tax returns (SA100)
  • โœ… NHS contract income handling
  • โœ… Private practice income optimization
  • โœ… All allowable expense claims
  • โœ… Pension contribution advice
  • โœ… Medical indemnity cost relief
  • โœ… Professional subscription claims
  • โœ… Equipment purchase optimization
  • โœ… HMRC correspondence handling
  • โœ… Unlimited 7-day support
Best For: Solo practitioners (dentists, GPs, locums, specialists) and small care agencies earning ยฃ40K-ยฃ150K with straightforward income structures or early-stage domiciliary care operations.
Get Started โ†’
โญ MOST POPULAR

Healthcare Business Mentor

ยฃ800
per month
  • โœ… Everything in Premium
  • PLUS Healthcare Growth:
  • โœ… Monthly strategic mentoring
  • โœ… Practice expansion guidance
  • โœ… Associate agreement structuring
  • โœ… Partnership tax optimization
  • โœ… Incorporation analysis (NHS rules)
  • โœ… Equipment finance strategies
  • โœ… Patient volume/pricing analysis
  • โœ… Goodwill valuation support
Best For: Growing practices (ยฃ150K-ยฃ500K) - associate dentists becoming principals, GP partners expanding, specialists adding private sessions, care agencies scaling across multiple London boroughs with 10-30 carers.
Start Growing โ†’
๐Ÿš€ COMPLETE TEAM

Healthcare Practice Growth

ยฃ3000
per month
  • โœ… Everything in Business Mentor
  • PLUS Complete Support:
  • โœ… Multi-site practice accounting
  • โœ… Digital marketing for healthcare
  • โœ… CQC/GDC compliance support
  • โœ… Legal frameworks (on demand)
  • โœ… Patient acquisition strategies
  • โœ… Staff recruitment/payroll management
  • โœ… Professional website & SEO
  • โœ… Partnership dispute mediation
Best For: Established practices (ยฃ500K-ยฃ2M+) - multi-chair dental practices, GP surgeries with 5+ partners, private clinics, care agencies with 50+ carers across London providing live-in and domiciliary care services.
Scale Your Practice โ†’

Real Results for London Healthcare Professionals

Trusted by dentists across Harley Street, GPs in Camden, locums in Westminster, care agencies throughout London, and medical practices in every borough

120+
Healthcare Clients
ยฃ6.2K
Average Annual Tax Saving
15hrs
Monthly Time Saved
4.8โญ
Google Rating

What Healthcare Professionals Say

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"As a dental practice owner with both NHS and private patients, I needed accountants who understood the complexity. LOYALS sorted out years of messy accounts from my previous accountant, identified ยฃ8,400 in missed expenses, and helped me expand from 2 to 4 chairs with proper tax planning. They understand dental practice accounting inside out."

Dr. Michael Patel BDS
Principal Dentist, Patel Dental Practice โ€ข Islington
Results: ยฃ8,400 recovered | Practice expanded to 4 chairs | Zero HMRC issues in 3 years

Healthcare Accounting Questions Answered

Common questions from dentists, GPs, locums, and medical practice owners across London

Do I need a specialist accountant as a healthcare professional? +
Yes - healthcare professionals have unique tax situations that generic accountants often mishandle. NHS contract deductions, associate income complexity, dual employment structures, mixed NHS/private work, and healthcare-specific expenses require specialist knowledge. Research shows 90% of dentists and GPs benefit significantly from specialist accounting. LOYALS understands NHS pension contributions, BMA guidance, GDC requirements, medical indemnity relief, and the April 2025 regulatory changes affecting healthcare contractors.
How much do healthcare accountants cost in London? +
LOYALS charges ยฃ300-ยฃ800 per month for most healthcare professionals, depending on complexity. This includes all NHS contract handling, associate income optimization, tax returns, practice accounts if applicable, and unlimited 7-day support. Most clients save 3-5x our fees through proper tax planning - for example, optimizing pension contributions, claiming all allowable expenses (medical indemnity, professional subscriptions, equipment), and structuring income efficiently. Practice owners expanding with associates typically invest ยฃ800/month for strategic mentoring.
What are the April 2025 NHS contract deduction changes? +
From April 2025, NHS England is changing how pension contributions and other deductions are reported and processed for contractors. This affects GPs, locum doctors, and dental practitioners with NHS contracts. The new system requires different classification of contract income, updated self-assessment reporting formats, and modified treatment of pension superannuation. Without specialist knowledge, you risk HMRC penalties for incorrect returns. LOYALS is fully briefed on these changes and ensures your April 2025 tax year accounts comply with the new requirements.
Can you help with both NHS and private practice income? +
Yes - we specialize in mixed income structures common in healthcare. Whether you're a GP with NHS sessions plus private consulting, a dentist with NHS and private patients, or a consultant with multiple income streams, we optimize your tax position across all sources. We ensure proper classification (employment vs self-employment), maximize allowable expenses for each income type, handle NHS contract deductions correctly, and structure your affairs for optimal tax efficiency. Most healthcare professionals have 2-4 different income sources - we manage all of them seamlessly.
What expenses can I claim as a healthcare professional? +
Healthcare professionals can claim extensive expenses if structured correctly: medical indemnity insurance (MDU, MPS subscriptions), professional body fees (BMA, BDA, GDC, GMC), professional subscriptions (journals, online resources), equipment purchases (dental chairs, medical devices), consumables and materials, premises costs if you rent space, vehicle costs for home visits, continuing professional development (courses, conferences), protective equipment, and home office costs if applicable. We also optimize major purchases (incorporation of equipment companies, timing of capital expenditure) and ensure you're claiming everything HMRC allows while staying compliant.
Should I incorporate my dental/medical practice? +
It depends on your income level, structure, and growth plans. Incorporation can offer tax advantages at higher income levels (typically ยฃ80K+ profit), limited liability protection, and better succession planning. However, NHS rules complicate incorporation for GP practices, and some dental contracts restrict corporate structures. LOYALS analyzes your specific situation: income levels, associate vs principal status, NHS vs private split, growth plans, and creates a detailed comparison. We've helped 40+ healthcare practices through incorporation when it makes sense, and advised others to remain as sole traders when incorporation wouldn't benefit them.
Do you work with associate dentists and locum doctors? +
Absolutely - associates and locums are a major part of our healthcare client base. We understand Type 1 vs Type 2 associate structures, how locum income affects tax brackets, and which expenses are allowable for non-principal practitioners. Many associates come to us because their previous accountant didn't understand the difference between employment and self-employment status for associates, missed allowable expenses, or couldn't advise on the tax implications of moving from associate to principal. We also help associates evaluate practice purchase opportunities and structure financing optimally.
How quickly can I switch from my current accountant? +
We handle 100% of the switch process in 7-10 days for healthcare professionals. We contact your previous accountant professionally, collect all historical records (essential for NHS contract continuity), review past tax returns to identify missed opportunities, and ensure zero disruption to your practice. We've helped 90+ healthcare professionals switch accountants smoothly - many discovered their previous accountant had missed significant NHS deductions, misclassified income, or failed to optimize pension contributions. The switch is completely hassle-free from your perspective.
Which London areas do you serve? +
We serve healthcare professionals across all London boroughs and surrounding areas: Harley Street medical district, Westminster, Camden (including Royal Free Hospital area), Islington, City of London, Southwark (Guy's and St Thomas' area), Hammersmith, Chelsea, Kensington, and beyond. Our King's Cross office (N7 9DP) is easily accessible, but 95% of our healthcare clients work with us remotely via phone, email, video calls, and secure portal - you never need to visit our office unless you prefer face-to-face meetings. This works perfectly for busy healthcare schedules.
Can you help with practice expansion and hiring associates? +
Yes - this is exactly what our Healthcare Business Mentor package (ยฃ800/month) is designed for. We advise on the tax implications of hiring associates vs employees, how to structure associate agreements for optimal tax treatment, partnership taxation if bringing in partners, VAT registration timing when crossing thresholds, and cash flow management during expansion. We've helped dental practices expand from single chairs to multi-chair operations, and GP practices bring in new partners while optimizing the tax position for everyone. Strategic expansion guidance is included, not an extra charge.
Do you work with domiciliary care agencies and live-in care providers? +
Absolutely - we specialize in the unique accounting needs of care agencies across London. Domiciliary care agencies face complex challenges: CQC registration costs accounting, worker classification decisions (employed carers vs self-employed), payroll with unsociable hours and sleep-in shifts, mileage and travel time calculations, and CareQuality Commission compliance costs. Live-in care agencies have additional VAT considerations and employment law complexities. We understand the care sector's cash flow challenges with council contract delayed payments, and we help with invoice factoring arrangements. Our Premium package handles all compliance, while Business Mentor includes growth planning for scaling across London boroughs. Many care agency owners come to us frustrated that generic accountants don't understand their industry-specific requirements.

Ready to Optimize Your Healthcare Practice Finances?

Join 120+ dentists, GPs, care agencies, and healthcare professionals across London who trust LOYALS with their specialized accounting needs

โœ… Free 30-minute healthcare consultation
โœ… Review current tax position
โœ… Identify missed deductions & opportunities
โœ… April 2025 compliance check
โœ… Custom optimization plan
โœ… No obligation, zero pressure
๐Ÿ“… Book Your Free Healthcare Consultation

Or call 07450 258975
Mon-Fri 9am-6pm โ€ข Sat-Sun 10am-5pm

Stop Overpaying Tax on Your Healthcare Income

Most healthcare professionals overpay tax by ยฃ4K-ยฃ8K annually due to missed deductions and poor NHS contract handling. Let's fix that.

๐Ÿ“… Book Free Healthcare Tax Review

๐Ÿฅ Dentists โ€ข GPs โ€ข Locums โ€ข Specialists โ€ข Care Agencies โ€ข Practice Owners
๐Ÿ“ Serving all London boroughs โ€ข King's Cross based โ€ข Remote-friendly