Personal tax return and self assessment accountant in Harrow

You need a personal tax return specialist if you receive rental income from one or more properties, take dividends from a UK limited company or overseas shareholdings, hold Indian NRE, NRO or FCNR accounts that pay taxable interest, earn overseas interest, pension or employment income, have made a capital gain on UK or overseas property, are a company director, a higher or additional rate taxpayer, or HMRC has sent you a notice to file. We handle all of it under one roof so nothing is missed and nothing is double taxed.

We complete the SA105 UK property pages and, where relevant, SA106 foreign property pages. That means net rental profit properly calculated, Section 24 mortgage interest tax reducer applied, allowable expenses claimed in full (repairs, agent fees, insurance, service charges, ground rent, safety certificates, professional fees, replacement of domestic items relief), correct treatment of joint ownership and Form 17 elections, furnished holiday let rules where they still apply, and non-resident landlord scheme (NRLS) reporting for landlords living overseas. If you own property in India, Dubai, the US or anywhere else, we report the income here and claim Double Taxation Relief so you do not pay twice.

The dividend allowance is now just £500 for 2026/27, and dividend rates are 8.75%, 33.75% and 39.35%. We prepare returns for directors and shareholders taking a mix of salary and dividends, model the optimal split, apply the correct dividend rates, handle stock dividends and scrip dividends, and deal with the tapered personal allowance above £100,000, the child benefit high income charge (from £60,000), and the pension annual allowance taper for adjusted income above £260,000. If you receive overseas dividends from Indian, US or EU listed companies, we claim withholding tax credits under the relevant double taxation agreement.

UK tax residents are taxed on their worldwide income. That includes interest credited to NRE, NRO and FCNR accounts in India, fixed deposit interest, overseas savings interest, pension income from an overseas fund, rental income from foreign property, and gains on foreign shares or mutual funds. We prepare the SA106 foreign pages, apply the remittance basis where beneficial (for non-domiciled clients, subject to the 2025/26 regime changes), and claim Foreign Tax Credit Relief for tax already paid abroad under the UK–India, UK–US and other double taxation treaties. If you are newly UK resident under the Statutory Residence Test, we also handle split year treatment.

The 2026/27 CGT annual exempt amount is £3,000. Residential property gains are reported to HMRC within 60 days of completion via the UK Property Reporting Service and again on your SA108 pages. We handle CGT on second homes, buy-to-lets, overseas property (with DTR), shares, crypto (Bitcoin, Ethereum and altcoins), Business Asset Disposal Relief claims at 14% (rising to 18% from April 2026), and Private Residence Relief calculations including periods of absence and lettings relief where it still applies. We also file returns that include EIS, SEIS and VCT relief, pension carry forward, gift aid, and Marriage Allowance transfers.

Register for self assessment by 5 October after the tax year ends. Paper returns are due by 31 October. Online returns and any tax owed are due by 31 January, with the second payment on account due by 31 July. Missing 31 January by a single day triggers a £100 penalty even if no tax is due. From 3 months late HMRC adds £10 per day (up to £900), then 5% of the tax at 6 and 12 months, plus interest at Bank of England base rate plus 4%. We contact clients from October so this never happens.