Sector

Tax-efficient setups for the way you actually work.

for Contractors & CIS

Specialist accountants for IT contractors, construction subcontractors, and freelancers — IR35, CIS, Ltd vs umbrella, and tax planning sorted.

What you face

The bits that keep you up.

Confusion around IR35 and which contracts are inside or outside
Choosing between Ltd, umbrella, and sole trader
CIS deductions that erode cash flow for construction subcontractors
Making the most of dividends + salary mix as a Ltd contractor
Pension planning when you're outside the typical employer scheme

How we help

What we actually do.

IR35 contract reviews and risk assessment
Ltd vs umbrella comparison with real numbers
Full Ltd company package: accounts, payroll, dividends, returns
CIS subcontractor refunds and gross payment status
SIPP and personal pension strategy to match dividend income
Mortgage references for Ltd contractors

Contracting is great when the setup is right and a tax minefield when it isn’t. We’ve worked with hundreds of contractors across IT, engineering, healthcare locum, finance, and construction, so we know the playbook.

Our typical contractor package includes a Ltd company with full accounts, monthly payroll for your salary, dividend planning, your annual Self-Assessment, and unlimited support — all for a fixed monthly fee. We’ll also do the IR35 review on every new contract, so you don’t end up the wrong side of HMRC.

The questions we get

Answered, properly.

If yours is not here, ring us. We answer in four rings on weekdays and write back the same day on emails.

01 Should I go Ltd or umbrella?

Outside-IR35 contracts: Ltd is usually 5–10% more tax-efficient. Inside-IR35 contracts: umbrella is often cleaner because the agency or end client is paying you as employed anyway. We'll model both for your actual numbers.

02 What is CIS and how does it work?

Construction Industry Scheme — contractors deduct 20% (or 30% if unregistered) from your invoice and pay it to HMRC. You then claim it back when you file your tax return. We can apply for gross payment status if you qualify, so you get paid in full.

03 How do I prove my income to a mortgage lender?

Lenders typically want 1–2 years of accounts and SA302s. We provide accountant's references and structure your dividends to support borrowing capacity. We work regularly with contractor-friendly lenders.

Next step

Bring the messy bits. We'll quote in writing.

Twenty minutes on the phone, no obligation. We tell you the price before any work begins, and we will tell you straight if we are not the right fit.

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