SPECIALIST CONTRACTOR ACCOUNTANTS
Contractor Accountants: Maximise Your Take-Home Pay
IT contractor, freelancer, or consultant? We handle IR35, expenses, and tax efficiency—so you keep more of what you earn.
The Contractor’s Dilemma
IR35 uncertainty keeping you up at night. Agencies pushing umbrella companies. Wondering if you’re structured efficiently. Unclear what you can legitimately claim.
Contracting should be rewarding, not stressful. We make it simple.
What We Do for Contractors
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IR35 Assessment
We review your contracts and working practices to determine your IR35 status. Written assessment included for your records.
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Limited Company Accounts
Full year-end accounts, Corporation Tax return, and Companies House filing. All deadlines tracked and met.
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Tax-Efficient Extraction
Salary vs dividends optimisation. We structure your income to minimise tax within HMRC rules.
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VAT & Payroll
Quarterly VAT returns, director payroll, and RTI submissions. Everything handled so you just invoice and get paid.
Contractor Packages
Fixed monthly fees. No surprises. Everything included.
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Contractor Essential – £99/month
Outside IR35 contractors ✓ Annual accounts & CT600 ✓ Director Self Assessment ✓ Payroll (director only) ✓ Quarterly bookkeeping ✓ IR35 guidance
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Contractor Growth – £149/month
MOST POPULAR ✓ Everything in Essential ✓ Monthly bookkeeping ✓ VAT returns (if registered) ✓ Dividend planning ✓ Unlimited support
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Contractor Premium – £249/month
High-earning contractors ✓ Everything in Growth ✓ Full IR35 assessment ✓ Tax planning sessions ✓ Same-day responses ✓ Pension advice
Contractor FAQs
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What is IR35?
Tax legislation that determines if you’re genuinely self-employed or should be taxed as an employee. We assess your status and advise on compliance.
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Ltd company or umbrella?
Ltd companies offer more tax efficiency but more admin. Umbrellas are simpler but cost more in tax. We’ll calculate which saves you more.
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What can I claim?
Home office, travel between clients, equipment, training, professional subscriptions, and more. We identify everything legitimate.
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How much should I pay myself?
We optimise salary/dividend mix based on your situation. The right split can save thousands in tax annually.
Maximise Your Contracting Income
Get a tailored quote and find out how much you could save.
Contractor Accounting: Frequently Asked Questions
What is IR35 and how does it affect me?
IR35 determines whether you are genuinely self-employed or should be taxed as an employee. Since April 2021, medium and large clients determine your status. We review your contracts and working arrangements to assess your IR35 position.
Should I operate through a limited company or umbrella?
Limited companies offer more tax efficiency and control but require more administration. Umbrella companies are simpler but you pay higher effective tax rates. We help you choose based on your contract length, day rate, and personal circumstances.
What expenses can I claim through my limited company?
Legitimate business expenses include travel to temporary workplaces, accommodation, training, professional subscriptions, equipment, and business insurance. We ensure you claim everything you are entitled to while staying HMRC-compliant.
How do I pay myself as a contractor?
Most contractors use a combination of salary and dividends to minimise tax. The optimal split depends on your profit level and personal circumstances. We calculate the most tax-efficient payment structure each year.
Can you help if HMRC opens an IR35 investigation?
Yes. We have experience defending IR35 enquiries. We review the evidence, prepare your response, and represent you in discussions with HMRC. Prevention through proper contract review is always better than cure.