A general accountant can file your self assessment. A specialist medical accountant knows why your NHS pension scheme figures look odd, why your umbrella company payslip doesn't match your invoice, and why your tax bill jumps in your second year of trading.

Specialist medical accountants spend their time inside the healthcare sector, not dipping in once a year. That's the difference between generic tax advisors and medical accountants who already know how NHS, agency and private income fit together, and it's why our specialist accounting services exist in the first place.

NHS bodies have been under pressure to cut agency and locum spending, with reforms reportedly saving close to £1 billion in recent years. That kind of scrutiny on agency and locum costs makes it more important than ever to have your own numbers right, and it has real tax implications for how you're paid.

We work only with locum medical professionals and other self-employed contractors in the healthcare sector. Medical professionals in locum roles trust us because we speak their language, not outsider jargon.

If you want tax support from specialist accountants who already know this sector, get in touch with Vexo Accounting for a free quote.

Self assessment tax returns are the one thing every self-employed locum has to get right every year. We prepare and file yours, work out your payments on account, and flag anything unusual before it becomes a problem with HMRC.

We've filed self assessment tax returns for locums across every part of the UK, from first-year sole traders to established limited companies. Moving between employed and locum work has tax implications most people don't spot until it's too late, and that's exactly where we step in.

Beyond the return itself, we look at tax planning across the whole year, not just in January. That covers pension contributions, the timing of equipment purchases, and whether your current structure is still the tax-efficient one for your income now.

We build strategic tax planning around your real income pattern, not a generic spreadsheet. Better tax efficiency usually means a bigger take-home number by April, and a genuinely tax-efficient setup today can save you thousands over a few years. We review tax efficiency at least once a year, not just when you happen to ask.

Good tax planning early in the year is what turns into real tax savings by the time your tax return is due. We check in with you regularly so nothing gets left until the deadline, and we keep you on top of your tax requirements as a locum so nothing gets missed.

Good numbers don't start in January. Our medical accountants handle bookkeeping services, expense tracking, and payroll through the year, so your accounts are always ready rather than rebuilt from memory at the deadline.

We keep an eye on your claim expenses process too, matching every receipt against your bank feed so nothing slips through. We review your expense claims each quarter rather than leaving it all for April, and as locum doctor accountants, we see this is where locum doctors lose money without noticing.

Two changes affect locum accounting right now. From 6 April 2026, new PAYE rules for labour supply chains involving umbrella companies came into force, changing how tax gets collected on some agency assignments, and the government expects these measures to have a tax impact of around £2.8 billion by 2029/30. This applies to locum doctors just as much as anyone paid through an agency.

Making Tax Digital for Income Tax also became mandatory from April 2026 for self employed income over £50,000, with the threshold dropping to £30,000 in 2027 and £20,000 in 2028. Most full-time locums will fall within this within the next couple of years.

IPSE's 2025 survey found 58% of contractors were paid gross through their own limited company, against 28% working through an umbrella company. If you're not sure which camp you're in, or whether your current setup still makes sense under the new rules, that's exactly what we're here to check.

Locum doctors, locum pharmacists and other locum professionals choose us for the same reason. We're experienced accountants who work with locum professionals across the UK, not a general practice that treats medical accounting as a sideline. As a specialist accountancy firm, we provide focused support for locum professionals.

As accountants for locums, we see the same mistakes again and again, and we fix them before HMRC does. That focus means faster answers, fewer mistakes, and expert tax advice you can actually use, not a checklist copied from somewhere else.

We build proper financial planning around irregular locum income rather than reacting to it every January. Good numbers protect more than your tax bill.

They protect your financial health, support big financial decisions like buying a house or growing your own small business, and give you real financial wellbeing instead of year-end stress. That's not just about your financial affairs looking neat on paper; it's a true, current picture whenever you need it.

Specialist accounting support from Vexo Accounting covers tax planning, compliance, bookkeeping and financial management under one small monthly fee. We use cloud accounting software so you can see your numbers whenever you want, not just once a year.

Tax compliance errors can lead to onerous penalties and extra costs you don't need. We'd rather catch a problem in March than explain a penalty in July.

You get tailored advice based on your income, your structure, and your goals, not a copy-paste template. We've helped hundreds of locum doctors do exactly this, and our medical accountants are ready to do the same for you.