For you personally

Personal tax, planned through the year

Self assessment, capital gains, inheritance tax and property income for directors, sole traders, landlords and private clients. We look at your position during the year, so there is time to plan before the return is due.

Who we help:Company directorsSole tradersLandlordsContractorsRetired and private clients

Problems we solve

Sound familiar?

Most people get in touch because one thing has become a worry. These are the ones we hear most often, and what we do about each.

“My tax bill in January came as a shock.”

How we help

We estimate your bill in the autumn and tell you what to put aside, payments on account included. If your income has fallen, we apply to reduce them.

“I don’t know how much to take from my company.”

How we help

Salary, dividends and pension planned together each year, so you use your allowances and bands and nothing is left on the table.

“I’m selling a rental property or second home.”

How we help

We work out the gain before you exchange, check which reliefs apply, and file the 60-day return and payment for you.

“HMRC has written to me and I’m not sure why.”

How we help

Send it to us. Once we are your agent we explain what it means, reply on your behalf and deal with HMRC directly from then on.

“My return has got too complicated to do myself.”

How we help

Several incomes, property, overseas income or the child benefit charge. We prepare it properly, explain the figures and file it well before the deadline.

“I want to pass money on to my family.”

How we help

Lifetime gifts, inheritance tax and capital gains looked at together, working alongside your solicitor or financial adviser where needed.

What we do

Our personal services

We start with whatever brought you to us and look at the rest as we go. If you also run a limited company, your personal and company tax are best planned together. See what we do for your business.

Self assessment

Your return prepared, checked with you and filed, with the bill confirmed well before you have to pay it.

Filed months before 31 January
Payments on account checked and reduced where possible
A plain-English summary of what you owe and when

Personal tax →

Salary, dividends and pension

For directors: how much to take from the company, and in what form, planned together each year.

An annual pay plan before the tax year starts
Allowances and basic rate band used in full
Employer pension contributions considered

Personal tax →

Capital gains and inheritance tax

Disposals, reliefs, estate planning and lifetime gifts considered together, ideally before anything is signed.

Gains worked out before you sell
Reliefs checked and claimed
Your inheritance tax position set out clearly

Personal tax →

Landlords and property

Property is a business and the tax should be handled like one, from the first let to the eventual sale.

Rental accounts and allowable expenses
The finance cost restriction explained and applied
60-day returns on sales filed for you

Landlords →

Making Tax Digital

Applies above £50,000 of qualifying income, falling to £30,000 in 2027 and £20,000 in 2028. The test uses gross income from an earlier year.

We check whether and when it applies to you
Software set up and records moved across
Quarterly updates filed for you

Making Tax Digital →

Contractors and personal service companies

IR35, your company’s accounts and taking money out tax-efficiently, on one fixed fee.

Off-payroll status reviewed per contract
Company accounts and your personal return together
Expenses you can and can’t claim

Contractors →

How it works

What working with us looks like

A free first call

Twenty minutes to understand your situation. If you don’t need us, we’ll tell you.

A fixed fee, agreed up front

You know the cost before any work starts. No time-sheets, no surprise bills.

An autumn review

We estimate your tax and flag anything worth doing before 5 April, while there is still time.

Filed early

Your return goes in well before 31 January, with a clear note of what to pay and when.

The difference

Plan before the year end

By the time the return is prepared, decisions on pension contributions, disposals and dividends have already been made and cannot be changed.

A review in the autumn leaves time to act before 5 April.

Book an autumn review

Worth looking at before 5 April

● annual

Pension contributions

Annual allowance and carry forward

Dividend timing

Which tax year the income falls in

Disposals

Timing, and the annual exempt amount

Gifts

Annual exemptions and the seven-year clock

Allowances

Unused ones do not carry over

Dates that matter

Key dates

The 60-day deadline is the one most often missed. When you sell a rental property or second home, it runs from completion, not from the end of the tax year.

5 April

End of the tax year

60 days

To report and pay CGT on a UK residential property disposal

31 July

Second payment on account due

31 January

Return filed, balancing payment and first payment on account

Questions

Common questions

Anything else, call us on 01242 226789.

Do I need to file a tax return?

Usually, if you are self-employed, receive rent, take dividends as a director, have income that isn’t taxed at source, or have sold something at a gain. We’ll confirm it on the first call.

Can I move to you part way through the year?

Yes. We contact your current accountant, collect what we need and pick up from there. How changing accountants works.

How much will it cost?

A fixed fee based on how involved your affairs are, agreed before we start. See our pricing.

What will you need from me?

We send a short checklist and a secure upload link. Typically P60s, dividend vouchers, rental statements and details of anything you have bought or sold.

Will you deal with HMRC for me?

Yes. Once you authorise us as your agent, letters and queries come to us and we handle them.

Next step

Talk to us

Whether it is a property sale, leaving a company or an old pension, the first conversation is free. If you do not need us, we will tell you.

Phone — Mon–Fri, 9am–5.30pm

01242 226789

info@bpcpartners.co.uk

Thinking about a disposal?

Speak to us before you exchange contracts.