We're specialist medical accountants serving GPs, consultants, and medical practice owners across Birmingham. Whether you're in the City Centre, Edgbaston, Solihull, or anywhere across the West Midlands, we provide expert GP accounting and tax services for medical professionals.
We work with doctors across Birmingham City Centre, Edgbaston, Solihull, Sutton Coldfield, Dudley, Sandwell, Walsall, Wolverhampton, and the wider West Midlands region.
Birmingham is a major medical hub with diverse GP practices, teaching hospitals, and private clinics. We understand the local healthcare economy and the financial needs of Birmingham-based doctors, from NHS contract management to private practice growth.
Birmingham GP practices need specialist accounting for partnership structures, profit allocation, and NHS pension reconciliation. We provide year-round support and strategic tax advice.
For Birmingham consultants managing NHS and private work, we handle tax returns, pension planning, and income optimization across multiple revenue streams.
Birmingham locums working across the West Midlands need expert tax support. We manage self assessment, expense claims, and tax efficiency strategies.
Incorporation & Company Structures
A numbers-led decision guide for doctors and consultants weighing whether to incorporate their private practice: sole trader versus limited company on 2026/27 figures, the NHS pension interaction, IR35 and spouse shareholding, extraction strategy, when not to incorporate, and worked examples at £40k, £80k and £150k of private income.
Incorporation & Company Structures
Consultants who draw cash from their private-practice company without declaring a formal dividend create an overdrawn director's loan account, which triggers a section 455 charge at the dividend upper rate: 33.75% on loans made in 2025/26 and 35.75% on loans made on or after 6 April 2026. The charge is temporary and repaid under s.458 once the loan is cleared, but the relief is deferred by up to a year, not instant. This guide covers the rate change, the beneficial-loan benefit in kind on balances above £10,000, the anti-avoidance rules that block repay-and-redraw, and the NHS pension angle that applies whenever money moves through a medical company.
Incorporation & Company Structures
A family investment company (FIC) is a bespoke private limited company holding investments rather than running a medical practice. For a high-earning consultant or GP with income already in the additional-rate band and surplus wealth beyond the NHS pension, it can shelter retained income at corporation-tax rates of 19-25% instead of 45% personal tax and keep future growth outside the estate. This guide explains the tax, share classes, IHT planning, and the settlements, minor-children and BADR traps that mean a FIC suits only doctors with genuine scale and a long-run family-wealth goal.
Tell us about your role and financial priorities. We'll arrange a short introductory call to discuss how we can support your medical practice.