Simple Tax Return
For individuals with straightforward income — PAYE adjustments, savings, dividends or a single additional income source.
Self Assessment & Personal Tax Returns
Self Assessment and Personal Tax Return Accountants in Birmingham
Gondal Accountancy prepares and submits Self Assessment personal tax returns for sole traders, landlords, company directors, CIS subcontractors and individuals with untaxed income. Specialist tax support from a CTA-qualified adviser at our Hall Green office, with a fixed fee agreed before work begins and a free initial consultation.
The 2025/26 return is due online by 31 January 2027. Late, outstanding and multi-year returns are handled too, along with HMRC penalties and enquiries.
- Personal Tax Returns
- Late Filing
- Sole Traders
- Landlords
- Directors
- CIS Subcontractors
How It Works
How We Prepare Your Tax Return
Three steps, from first conversation to filed return.
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01
Review your income and records
We go through every income source, expense record and tax document for the year and tell you what is missing.
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02
Prepare your tax return
Your return is prepared with allowable expenses and reliefs applied, and we explain the figures before you approve anything.
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03
Submit to HMRC
Once you approve it we file online, then confirm what you owe, when it is due and how to pay it.
- CTA-Qualified Adviser
- Rated 5.0 on Google
- Fixed Fees
- Free Consultation
Self Assessment Accountants Birmingham
Accountant-Led Self Assessment and Personal Tax Support
A personal tax return rarely covers one thing. The challenge is bringing every income source together — employment, self-employment, rental profits, dividends, savings interest, foreign income and capital gains — identifying the expenses and reliefs that apply, and making sure the figures agree with your records before the return reaches HMRC.
We review your income and records, check allowable expenses and tax reliefs, prepare the calculation, explain the amount due and submit the approved return online. If your deadline has already passed, see our late tax return and HMRC penalty service. For ongoing accounts and bookkeeping rather than the return itself, see our sole trader accountants page.
- Income and records reviewed for missing information
- Allowable expenses and relevant tax reliefs checked
- Tax calculation explained before you approve it
- Approved return submitted online to HMRC
Local Tax Return Help
Self Assessment Help Near You in Birmingham
Our office is at 1126A Stratford Road, Hall Green, Birmingham B28 8AE, a few minutes from Sparkhill, Acocks Green, Moseley, Shirley and Solihull. You are welcome to come in and go through your records in person.
Most people no longer do. Records are shared securely online, we talk by phone or video call, and we act as your agent with HMRC — so wherever you are in Birmingham, the West Midlands or the UK, the service and the fee are the same.
Fixed-Fee Pricing
What a Self Assessment Tax Return Costs
The fee depends on your income sources and how organised the records are. Whatever it comes to, you will know the figure before any work starts and it will not change afterwards.
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Sole Trader Tax Return
For self-employed people needing income, expenses, capital allowances, payments on account and HMRC submission handled.
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Landlord Tax Return
For landlords with rental income, property expenses, the mortgage interest restriction, capital gains or multiple properties.
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CIS Tax Return
For CIS subcontractors claiming allowable expenses and recovering overpaid deductions from HMRC.
Every fee is fixed and agreed before work starts — no hourly billing, and no charge for phone calls along the way.
Who We File For
Self Assessment Tax Return Services
A Self Assessment return may bring together several sources of income. These are the situations we deal with most often.
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Sole Trader Tax Returns
Self Assessment for sole traders and the self-employed — income, allowable expenses, payments on account and HMRC deadlines handled properly.
View Sole Trader Tax Returns -
Landlord Tax Returns
Rental income returns for landlords, covering property expenses, the mortgage interest restriction, Capital Gains Tax and Making Tax Digital preparation.
View Landlord Tax Returns -
Director Tax Returns
Self Assessment for company directors, including salary, dividends, benefits in kind, loan accounts and HMRC compliance.
View Director Tax Returns -
CIS Subcontractor Tax Returns
Construction Industry Scheme returns to reclaim overpaid deductions, with allowable expenses reviewed and the refund calculated properly.
View CIS Subcontractor Tax Returns -
Late Tax Returns and HMRC Penalties
Missed the 31 January deadline? We prepare late returns, deal with HMRC correspondence and review whether a penalty appeal is appropriate.
View Late Tax Returns and HMRC Penalties -
Capital Gains on Your Return
Reporting gains on property, shares and other assets, including the separate 60-day property reporting requirement where it applies.
View Capital Gains on Your Return
Who Needs to File
Do You Need to File a Self Assessment Tax Return?
The UK tax year runs from 6 April to 5 April. Whether you need to file depends on your income sources, the amounts involved and whether HMRC has issued a notice requiring you to submit a return.
If HMRC has sent you a notice to file, you must submit a return whether or not any tax is owed. If you think you should no longer be in Self Assessment, ask HMRC to withdraw the notice rather than simply not filing. GOV.UK has a free checker tool, or we can review it with you.
Check If You Need to FileYou will usually need to file if you are:
- Sole traders and self-employed people with gross income over £1,000 a year
- Company directors with dividends, benefits in kind or other untaxed income
- Landlords receiving rental income from property
- Individuals with savings, investment or dividend income above the allowances
- People receiving income from overseas sources
- Anyone with untaxed income, tips, commission or capital gains to report
- Partners in a business partnership
- CIS subcontractors reclaiming overpaid tax deductions
- Families affected by the High Income Child Benefit Charge
- People claiming tax relief not given through their tax code, such as higher-rate pension relief or Gift Aid
- Anyone who has received a notice to file from HMRC
Key Dates
Self Assessment Deadlines and Making Tax Digital
Missing the 31 January online deadline triggers an automatic £100 penalty even where no tax is owed, and further penalties and interest follow. Filing early does not mean paying early — you still pay on 31 January.
Making Tax Digital for Income Tax is now in force for the first group of sole traders and landlords. It requires digital records, compatible software, quarterly updates and a tax return. The threshold uses qualifying gross income from self-employment and property rather than profit.
- 5 October 2026 Register for Self Assessment for the 2025/26 tax year, on form CWF1 if newly self-employed or SA1 for other income
- 31 October 2026 Paper tax return deadline for 2025/26
- 30 December 2026 File online by this date to have tax under £3,000 collected through your PAYE tax code instead — known as coding out
- 31 January 2027 Online tax return deadline for 2025/26, the balancing payment date, and the first payment on account
- 31 July 2027 Second payment on account deadline
- Now in force MTD for Income Tax — qualifying income over £50,000, from 6 April 2026
- April 2027 MTD for Income Tax extends to qualifying income over £30,000
- April 2028 MTD for Income Tax extends to qualifying income over £20,000
Information reviewed against HMRC guidance on 1 September 2026. Rates, thresholds and deadlines can change. For the current position see GOV.UK Self Assessment, or ask us to check your figures.
Late Filing and Late Payment
Self Assessment Penalties Explained
Filing late and paying late are penalised separately, and both build the longer they are left. If a deadline has already gone, the figures below are what you are working against — and there is usually more that can be done than people expect.
Penalties for filing late
- £100 The day after the deadline A fixed penalty, charged even where no tax is owed or the tax has already been paid.
- £10 a day 3 months late Daily penalties for up to 90 days, adding a further £900 at most on top of the £100.
- £300 or 5% 6 months late A further penalty of £300 or 5% of the tax due, whichever is higher.
- £300 or 5% 12 months late Another £300 or 5% of the tax due. Where HMRC treats the failure as deliberate the penalty can reach 100% of the tax.
Penalties for paying late
- 5% 30 days late 5% of the tax still unpaid 30 days after the 31 January due date.
- 5% 6 months late A further 5% of whatever remains outstanding at six months.
- 5% 12 months late A third 5% charge on the tax still unpaid after a year.
- Interest Throughout Late payment interest runs from the due date until the balance is cleared.
Appeals, reasonable excuse and Making Tax Digital
A penalty can be appealed where you have a reasonable excuse — serious illness, a bereavement, a service failure at HMRC or something else outside your control that stopped you filing on time. The appeal normally has to be made within 30 days of the penalty notice, and the return itself still needs to be filed. We review whether an appeal is worth making before you spend time on one.
Taxpayers already inside Making Tax Digital for Income Tax move to a different regime: penalty points for missed submissions, with a £200 charge once the threshold is reached, and late payment penalties charged at day 15 and day 30 followed by an annual rate on anything still outstanding. See our late tax return and HMRC penalty page if a return is already overdue.
What We Need From You
Records and Documents for Your Tax Return
Not all of this will apply to you. Send what you have, and we will tell you what is missing before we start rather than at the end.
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Employment and pensions
Your P60, P45 and P11D for benefits in kind, plus payslips and any pension or annuity statements.
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Self-employment
Sales invoices, business bank statements, expense receipts, mileage records and capital purchases.
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Rental property
Rental statements, letting agent summaries, mortgage interest certificates and repair invoices.
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Savings and investments
Bank and building society interest statements, dividend vouchers and fund tax certificates.
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CIS deductions
Monthly CIS deduction statements from every contractor you worked for during the year.
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Reliefs and deductions
Gift Aid donations, personal pension contribution certificates and student loan statements.
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Disposals and gains
Completion statements, share sale contract notes and the original purchase costs.
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HMRC paperwork
Your UTR, notice to file, payment on account statements and any penalty notices received.
Not sure what you are looking for? Our guide to preparing your Self Assessment tax return walks through it, or read what a UTR is and where to find yours.
After You File
Amendments, HMRC Enquiries and Record Keeping
Submitting the return is not always the end of it. These are the three things that most often come up afterwards.
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Corrections and amendments
You can amend a filed return for up to 12 months after the 31 January deadline, and HMRC may correct obvious errors itself. After that window an overpayment relief claim is normally the route, generally up to four years from the end of the tax year.
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HMRC enquiries
HMRC normally has 12 months from the date a return is filed to open an enquiry. An enquiry does not mean your return is wrong. We handle the correspondence, gather what has been asked for and answer on your behalf as your agent.
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Keeping your records
Keep self-employment and property records for at least five years after the 31 January filing deadline, and other personal records for at least 22 months after the end of the tax year, in case HMRC asks to see them.
Already had a letter opening an enquiry or a compliance check? See our tax investigations service, or send it over and we will read it with you.
Why Choose Us
Why Clients Choose Gondal Accountancy
Specialist tax support, a fee you agree in advance, and the same person dealing with your return each year.
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A CTA-Qualified Adviser on the Team
Our team includes a Chartered Tax Adviser, giving you specialist personal tax support rather than general accountancy advice.
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Transparent Fixed Fees
The fee is agreed before we start and does not change. No hourly billing and no charges for phone calls.
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A Hall Green Office
Based on Stratford Road in Hall Green. Come in if you would rather talk it through, or work with us entirely remotely.
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Filed Well Before the Deadline
Filing early does not mean paying early. We prepare returns ahead of time so you know the figure long before 31 January.
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Late and Outstanding Returns
Several years outstanding, penalty notices or missing records — we deal with this regularly and without judgement.
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Free Initial Consultation
A free first conversation to understand your situation and quote you properly. No obligation to proceed.
Client Experience
Recommended for Self Assessment Tax Returns
“Once again, Gondal Accountancy provided excellent service with my self-assessment tax returns. Everything was completed swiftly and efficiently. Thank you! I highly recommend them!”
Qadeer Rehman — read more client reviews
Related Services
Related Accounting and Tax Services
A tax return is often one part of a larger picture. These are the services that most commonly sit alongside it.
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Landlord Accountants
Rental income, property expenses, the mortgage interest restriction and CGT for landlords.
View Landlord Accountants -
Sole Trader Accountants
Accounts, bookkeeping, allowable expenses and Making Tax Digital for the self-employed.
View Sole Trader Accountants -
Contractor Accountants
CIS subcontractor returns, limited company accounts and IR35 guidance for contractors.
View Contractor Accountants -
Capital Gains Tax
CGT on property disposals, investments and business assets, including 60-day property reporting.
View Capital Gains Tax -
Making Tax Digital
MTD for Income Tax setup, compatible software and quarterly update preparation.
View Making Tax Digital -
Bookkeeping Services
Digital records kept in order through the year, ready for your return rather than rushed in January.
View Bookkeeping Services
Self Assessment Guides
Helpful Tax Return Information
Use these practical guides to organise your records, understand a missed deadline and find the HMRC references you may need.
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Tips for Preparing Your Self Assessment Tax Return
A practical checklist covering records, income, expenses and the checks to complete before filing.
Read the guide -
What Happens If You Miss the Tax Return Deadline?
Understand late-filing penalties, interest and the steps to take when a return is outstanding.
Read the guide -
What Is a UTR and Where Can You Find It?
Find the Unique Taxpayer Reference you normally need when registering, filing or speaking to HMRC.
Read the guide
Get in Touch
Ready to Sort Your Tax Return?
Tell us what your year looked like and we will tell you what the work involves and what it costs, before you commit to anything. The first conversation is free.
Call: 0121 439 9760
Email: [email protected]
Visit: 1126A Stratford Road, Hall Green, Birmingham B28 8AE
FAQs
Self Assessment Tax Returns — Common Questions
Deadlines, penalties, payments on account, coding out, amendments, HMRC enquiries, CIS refunds and Making Tax Digital.
They are two names for the same thing. Self Assessment is the system HMRC uses to collect tax that is not taken at source, and a personal tax return — form SA100 — is the document you file under that system to report your income for the tax year. Personal tax return, self-assessment tax return and income tax return all describe the same annual filing.
You are not required to use one. Whether it is worth it depends on how complex your affairs are and what your time is worth. Where an accountant usually pays for itself is on expenses claimed correctly, reliefs you did not know about, penalties avoided and the hours you get back. If your return is genuinely simple, we will tell you so.
You will usually need to file if you are self-employed with gross income over £1,000, a partner in a business partnership, a landlord with rental income, a company director with untaxed income, or if you receive untaxed income from savings, investments, dividends, overseas sources, tips, commission or capital gains. You must also file if HMRC has issued you a notice to file, whether or not any tax is owed. If you are unsure, GOV.UK has a free checker tool, or we can review it with you.
Registration is due by 5 October following the end of the tax year. Paper returns are due by 31 October. Online returns and any tax owed are due by 31 January. A second payment on account may fall due by 31 July. Missing the 31 January online deadline triggers an automatic £100 penalty even where no tax is owed, with further penalties and interest the longer it stays outstanding.
Yes, and it is worth acting quickly because penalties and interest build over time. We prepare and submit late returns, help reconstruct missing records, deal with HMRC correspondence and review whether an appeal against a penalty is appropriate. If you have several years outstanding we can bring them all up to date together.
Filing late triggers an automatic £100 penalty even where no tax is owed. After three months HMRC adds £10 a day for up to 90 days, a maximum of £900. At six months there is a further £300 or 5% of the tax due, whichever is higher, and the same again at twelve months — rising to as much as 100% of the tax where HMRC treats the failure as deliberate. Paying late is charged separately, at 5% of the unpaid tax after 30 days, six months and twelve months, with interest running throughout. If you are already within Making Tax Digital for Income Tax, a points-based late submission regime applies instead.
Often yes. If you owe less than £3,000, have PAYE income and file your return online by 30 December, HMRC can usually collect the tax through your tax code over the following year rather than asking for it in one payment on 31 January. This is known as coding out. Filing a paper return by 31 October gives you the same option. It is not automatic, so the return has to be filed in time and the option requested.
If you are newly self-employed you register on form CWF1. For other reasons — rental income, untaxed investment income, the High Income Child Benefit Charge — you use form SA1. Registration is due by 5 October following the end of the tax year. HMRC then issues your Unique Taxpayer Reference, which can take a couple of weeks to arrive, so it is worth starting well before January.
Yes. You normally have 12 months from the 31 January deadline to amend a filed return, and HMRC may correct obvious errors itself. Once that window has closed an overpayment relief claim is usually the route, generally within four years of the end of the tax year. If an amendment changes what you owe, interest is calculated from the original due date.
HMRC normally has 12 months from the date a return is filed to open an enquiry, and it must give written notice to do so. An enquiry does not mean your return is wrong — some are opened at random. HMRC will set out the records it wants to see. As your agent we receive the same correspondence, review what is being asked and respond on your behalf.
If you or your partner receive Child Benefit and one of you has adjusted net income above the threshold, the High Income Child Benefit Charge applies and has traditionally been collected through Self Assessment. HMRC has since introduced a way for some people to pay it through their PAYE tax code instead. It is worth checking which applies to you rather than assuming a return is required, and we can review the position with you.
Yes, and refunds are more common than people expect. They arise for CIS subcontractors who have had 20% or 30% deducted at source, higher-rate taxpayers who have not claimed full pension or Gift Aid relief, people with allowable employment expenses, and anyone whose payments on account exceeded the final bill. Where the return shows an overpayment you nominate a bank account and HMRC repays it, usually within a few weeks.
Payments on account are advance payments towards your next tax bill, due on 31 January and 31 July. They generally apply if your last Self Assessment bill was over £1,000 and less than 80% of your tax was collected at source. Each payment is normally half of the previous year’s bill. They catch out a lot of people in their first year of self-employment, because the January payment can include the balance for one year plus the first instalment for the next.
It depends on your income sources and how organised the records are — a single employment plus some dividends is a different job from four rental properties and a sole trade. Rather than quote a range that may not fit, we look at your situation and give you a fixed fee before any work starts. It does not change afterwards, and the first consultation is free.
Yes. Contractors deduct 20% from registered subcontractors and 30% from unregistered ones, which frequently results in overpayment once your allowable expenses and personal allowance are taken into account. We prepare your return, calculate the correct liability and reclaim the difference from HMRC where one is due.
Making Tax Digital for Income Tax requires digital records, compatible software, quarterly updates and a tax return. It applies in stages based on qualifying gross income from self-employment and property: over £50,000 from 6 April 2026, over £30,000 from April 2027 and over £20,000 from April 2028. HMRC checks the relevant earlier tax return when deciding when you are brought in, but it remains your responsibility to check and sign up.
Typically invoices and income records, bank statements, expense receipts, your P60 and any P11D, rental income and property expense records, dividend and interest statements, details of any capital disposals, and HMRC correspondence. Self-employed records should be kept for at least five years after the 31 January filing deadline. Send us what you have and we will tell you what is missing.
Our office is at 1126A Stratford Road, Hall Green, Birmingham B28 8AE, a short distance from Sparkhill, Acocks Green, Moseley, Shirley and Solihull. You are welcome to come in, though most clients now work with us entirely by phone, email and video call. We support individuals across Birmingham, the West Midlands and the rest of the UK.
Still have a question? Call 0121 439 9760, send us an enquiry or browse our full FAQs.