Self Assessment Accountants London — Personal Tax Return Specialists.
Comprehensive Self Assessment service for sole traders, freelancers, landlords, contractors, high earners, and anyone with multiple income sources. Three premium tiers from £495 to £1,300 a year — full filing, every allowable expense claimed, refund chased into your bank, free SA302 + Tax Year Overview for mortgages. By chartered accountants who handle hundreds of returns annually with same-day callback and Mon-Sat 10am-7pm support — work done by experienced staff, not entry-level outsourced labour.
Sound like your Self Assessment situation?
Most clients who switch to LOYALS arrive with the same handful of frustrations — tax bills they didn't see coming, expenses they should have claimed, deadlines that crept up. We sort all of it in one engagement.
"I have no idea how much I'll owe HMRC"
The January tax bill arrives like a punch. We model your liability before filing so you know exactly what's coming, and recommend Payments on Account adjustments where your income has dropped. No surprises, no panic.
"The deadline keeps creeping up on me"
31 January is hard — £100 automatic penalty even if no tax owed, daily £10 charges from 3 months on. We file most returns from May to October so you avoid the cliff edge entirely, with reminders 60, 30 and 7 days before every deadline.
"I'm not sure what I can claim as expenses"
Most self-employed clients miss £500-£2,000 of allowable expenses doing it themselves — capital allowances on equipment, mileage at 45p, home office proportion, professional fees, training, software, accountant fees. We prompt for everything claimable.
"My situation is complicated — multiple income types"
Salary plus rental income plus dividends plus a side business plus a capital gain plus foreign income? We do this every day. Our Tier 3 package handles complex multi-source returns with all the cross-references, capital allowances, and Section 24 calculations done correctly.
"My old accountant only answers in January"
Year-round support is included in every tier — WhatsApp, phone, email. Mid-year tax position questions, Payments on Account adjustments, big purchase decisions, mortgage application paperwork — all covered with no per-call charges. Mon-Sat 10am-7pm.
"I'm scared I'll make a mistake"
HMRC enquiries spike when returns have unusual numbers or missing entries. Every return we file is reviewed against benchmark patterns, signed off by a chartered accountant, and submitted electronically with the audit trail intact. If HMRC ever asks questions, we handle the correspondence on your behalf.
Your Self Assessment, handled end-to-end.
No back-and-forth, no chasing, no surprise charges. One fixed package, one accountant, one number to call all year.
The LOYALS Self Assessment service
Self Assessment is HMRC's mechanism for collecting tax on income that isn't fully covered by PAYE — self-employment, rental property, dividends, savings interest, capital gains, foreign income, high earnings above £150,000. The system is technically simple but practically complex: every income source has its own rules, every allowable expense its own definition, and every mistake compounds into either overpaid tax or HMRC enquiries.
Our service handles the entire process for one fixed annual fee per tier. We chase the right paperwork, claim every allowable expense, model your tax liability before filing, file electronically, chase any refund into your bank, and produce certified SA302 + Tax Year Overview free of charge if you need them for mortgage applications. Three premium tiers from £495 to £1,300 covering everything from simple side-income returns through to complex multi-source filings.
Three premium packages · £495 to £1,300/yearThree packages, scaled to your income complexity.
Tiers reflect the complexity of your tax situation — number of income sources, type of income, and depth of optimisation work needed. We confirm the right tier on a free intake call before any engagement is signed.
Standard SA
- Self Assessment filed with HMRC
- Employment + dividend + savings interest
- Pension contributions higher-rate relief
- Marriage Allowance claim if eligible
- Charitable giving Gift Aid relief
- SA302 + Tax Year Overview free
- Year-round WhatsApp & phone support
- Refund chased into your bank
Self-Employed / Sole Trader
- Everything in Standard SA
- Full self-employment pages (SA103)
- Every allowable expense claimed
- Capital allowances on equipment
- Home office proportion calculated
- Mileage at 45p/mile or actual costs
- Class 4 NIC + Class 2 voluntary if relevant
- Trading allowance optimised
Complex / Multi-Source
- Everything in Self-Employed package
- Rental property pages (SA105)
- Section 24 mortgage interest credit
- Capital gains computation (SA108)
- Foreign income pages (SA106)
- Partnership share of profits (SA104)
- EIS / SEIS / VCT investment relief
- Personal Allowance taper above £100K
Construction industry? Our dedicated CIS Self Assessment service at £350/year is priced separately for the volume specialism — not on this tier scale.
Eight deliverables, all bundled.
No add-ons for SA302s, accountant references, or "complexity surcharges" at year-end. The price quoted is the price you pay.
Self Assessment Filed with HMRC
Full SA100 plus all relevant supplementary pages — employment, self-employment, property, capital gains, foreign, partnership, residence and remittance basis where applicable.
Every Allowable Expense Claimed
Sole trader expenses, capital allowances, home office proportion, mileage, professional fees. Most clients miss £500-£2,000 doing it themselves. We prompt for everything.
Tax Liability Modelled Before Filing
You see the full picture before submission — what you owe, what's refundable, Payments on Account implications, cash flow timing for the next 12 months.
Refund Chased Into Your Bank
Filed electronically with bank details. HMRC processes most refunds within 2-4 weeks. We chase HMRC directly if anything is delayed beyond the normal window.
SA302 + Tax Year Overview Free
Both produced and certified by chartered accountant, accepted directly by every UK lender. Usually £40-£80 elsewhere — included free with us, issued inside 24 hours.
Year-Round Support
WhatsApp, phone and email access throughout the year. Mid-year tax position questions, mortgage paperwork, HMRC letters — all covered, no per-call charges.
Deadline Reminders
Notifications 60, 30 and 7 days before 31 January (and 31 July for second Payment on Account). We file from May to October — you never face the January cliff.
HMRC Enquiry Cover
If HMRC ever opens an enquiry on a return we filed, we handle the correspondence and represent you in the response — no extra charge for our standard correspondence.
Four steps from "I haven't filed" to refund in your bank.
From WhatsApp to HMRC submission usually takes 7-10 working days once we have your records. Refund follows 2-4 weeks after.
Free intake call
30-min call to confirm your tier and timeline. We agree the fixed fee upfront — no surprises later.
Send your records
WhatsApp, email, secure portal, or come into our King's Cross office. P60s, expense records, rental income, any other documents.
We model and file
Tax liability calculated, every allowable expense claimed, you see the figure before submission, then we file electronically with HMRC.
Refund or planning
Refund hits your bank inside 2-4 weeks, or we set up payment timing for any tax owed. SA302 issued ready for any mortgage broker who asks.
Three reasons we're not just another tax return service.
Most online filing services charge £150-£250 then leave you on your own when HMRC asks questions. We're a proper London chartered firm — different proposition, different price, different result.
Chartered London firm
Work done by experienced staff in our King's Cross office, not entry-level outsourced labour. Every return reviewed and signed off by a chartered accountant. Our pricing reflects that — the £495+ entry tier is deliberate, not a budget online play.
Mon-Sat extended hours
Open Monday to Saturday 10am to 7pm with same-day callback as standard. Mid-year tax position questions, Payments on Account adjustments, mortgage paperwork — all covered with year-round WhatsApp and phone support included in your fee.
Liability modelled before filing
You see what you owe before we submit, with the cash-flow implications spelled out. Most online services file blind and leave you with a January surprise. We model the figures, flag Payments on Account, and discuss timing before you commit to file.
What's your tax bill going to be?
Pick your income type and enter the numbers — we'll calculate your indicative tax liability for 2025/26 including Class 4 NIC for the self-employed. For a precise figure including student loans, dividend tax, and rental income, use our full Self-Employment Tax Calculator.
Estimate your Self Assessment tax
Your indicative tax position
For an exact figure including dividend tax, rental income, capital gains, student loan repayments, and Personal Allowance taper above £100K, send your numbers via WhatsApp or book a free 15-minute call.
Three things that have shifted how personal tax works.
If your tax planning was set before April 2024, the maths has moved. Three reforms have changed how your Self Assessment liability calculates — some saving money, some adding new compliance work.
Class 4 NIC reduced
Class 4 National Insurance for self-employed cut from 9% to 6% from April 2024 on profits between £12,570 and £50,270. Saves a typical sole trader on £35K profit roughly £675 per year. Check your last return — many accountants are still applying the old rate.
Class 2 NIC abolished
Class 2 NIC abolished as a paid contribution from April 2024. Self-employed earnings above the Small Profits Threshold now build NI credits automatically without the £179.40/year charge. Voluntary contributions still possible if profit is below threshold and you want to maintain state pension entitlement.
MTD for Income Tax
From April 2026, sole traders and landlords with qualifying income above £50,000 must keep digital records and submit quarterly to HMRC. Threshold drops to £30,000 from April 2027. Annual SA replaced by 4 quarterlies plus final declaration. Below threshold, annual SA continues.
Six things every UK Self Assessment filer should understand in 2025/26.
Tap any card to flip and see the detail.
Three SA deadlines
Paper, online, and Payments on Account.
Tap or hover2024/25 tax year deadlines
- Paper: 31 October 2025
- Online: 31 January 2026
- Tax due: 31 January 2026
- 1st POA: 31 January 2026
- 2nd POA: 31 July 2026
2025/26 tax bands
Personal Allowance frozen until 2028.
Tap or hoverIncome tax rates
- £0-£12,570: 0% (Personal Allowance)
- £12,571-£50,270: 20% basic
- £50,271-£125,140: 40% higher
- £125,141+: 45% additional
- PA taper above £100K (£1 per £2)
Payments on Account
The January surprise that triples your bill.
Tap or hoverHow POA works
- Triggers if last bill over £1,000
- 50% of last year's tax due 31 Jan
- 50% more due 31 July
- First time = effectively triple bill
- Reduce claim possible if income drops
Allowable expenses
What sole traders and freelancers claim.
Tap or hoverCommon claims
- Office costs & equipment
- Travel: vehicle or 45p/mile
- Professional fees & training
- Phone, internet, software
- Home office proportion
Property income
Section 24 changed everything for landlords.
Tap or hover2025/26 landlord rules
- Mortgage interest = 20% tax credit only
- Property allowance £1,000
- Replacement of domestic items relief
- Higher rate landlords lose 20% relief
- Limited Co SPV bypass
PA taper above £100K
The 60% effective rate trap.
Tap or hoverHow the taper works
- Above £100K, PA reduces £1 per £2
- PA fully gone at £125,140
- Effective marginal rate ~60%
- Pension contributions extend PA
- Salary sacrifice can avoid the trap
Meet Kris Nick.
Kris is your single point of contact for everything to do with your Self Assessment — from confirming the right tier on intake to filing your return, modelling your tax liability before submission, chasing any refund, producing SA302 paperwork for mortgage applications, and handling any HMRC correspondence year-round. The LOYALS team specialises in personal tax for owner-managed businesses, freelancers, landlords and high earners across London — same-day callback, Mon-Sat 10am-7pm, no per-call charges, no surprise bills.
Book a free 15-min call →Stop dreading 31 January altogether.
If you're filing Self Assessment in London, our three premium tiers cover every realistic situation — from simple side-income returns through to complex multi-source filings with rental, capital gains, and foreign income. We file from May to October so you never face the cliff edge, model your liability before submission so there are no surprises, and chase any refund into your bank inside a month.
Frequently asked questions.
Updated for 2025/26 tax year. If your question isn't here, message us on WhatsApp or book a free 15-minute call.
Related LOYALS pages
Other services and tools that pair well with Self Assessment.
Ready to file properly, on time, every year?
Three premium tiers, year-round support, free SA302 and accountant references for life. Sign up in 5 minutes and we'll have your return modelled, reviewed and filed well before deadline — Mon-Sat 10am-7pm extended hours, same-day callback, no per-call charges, no surprise bills.
Book my free 15-min call →