Stanmore has a higher share of doctors, business owners with staff and outright homeowners than London as a whole. The tax questions here are rarely simple, which is exactly the work we like.
The Royal National Orthopaedic Hospital on Brockley Hill is one of Stanmore's biggest employers, and its private patient service has published plans to grow its private income several times over. Census data shows medical practitioners make up close to twice London's share of working residents here.
Mixed NHS and private income brings its own problems. Should your private work run through a limited company? How should locum income go on your Self Assessment? And the big one: the NHS pension annual allowance. The standard allowance is £60,000, it tapers once threshold income passes £200,000 and adjusted income passes £260,000, and pension growth you never see in your bank account can still produce a tax charge. We model it before it turns into a letter from HMRC.
Stanmore has more than twice London's share of self-employed people who employ staff. That moves you past basic tax returns into payroll, director pay, corporation tax and getting money out of the company efficiently.
Dividend tax went up in April 2026, so the salary and dividend split that worked last year may not be right now. Our guide to paying yourself in 2026/27 sets out the numbers.
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Book Free ConsultationHome ownership in Stanmore is high, and a third of households own outright. In an area like this, property questions tend to be about what comes next: selling a second property, helping children onto the ladder, or whether a portfolio belongs in a company. Capital gains tax, incorporation and the order you do things in all matter more than most people expect.
See everything we do, or how our fixed monthly fees work.
It depends on your private income, how much you need to draw personally and your pension position. A company can reduce tax on income you leave invested, but it adds cost and admin and doesn't help with NHS income. We run both scenarios with your real figures.
Yes. We work out your pension input amount, check whether the taper applies, bring in any unused allowance from the previous three years, and help you decide whether to pay the charge yourself or through Scheme Pays.
If you are paid as self-employed rather than through payroll, yes. Locum income goes on Self Assessment, and you can usually claim professional subscriptions, indemnity cover and travel between work sites. We make sure nothing allowable is missed.
Yes. We are based in Bushey, a few minutes from Stanmore, and can meet in person. For busy clinicians most of the work happens by email, WhatsApp and video call, at times that suit you, including Saturdays.
Book a free 30-minute consultation. We will tell you honestly whether you need specialist planning or just tidy paperwork.
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