Expert Self Assessment Accountants for Sole Traders, Landlords and Directors

Your Self Assessment tax return, filed right and on time by a named, ACCA-qualified accountant. Fixed fees from £99.

Earn money outside a normal salary and HMRC wants a Self Assessment tax return. That covers sole traders, freelancers and contractors, landlords, company directors, partners, and anyone with side income, dividends or capital gains. We fill it in, claim what you are owed, and file it with HMRC for you. You get a named, ACCA-qualified self assessment accountant, a fixed fee from £99, and replies within 72 hours.

Get your tax return filed

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Our expertise covers

What we do when we file your Self Assessment

  • 01

    Your SA100 and all the right pages

    We prepare and file your main return, the SA100, plus the extra pages you need: self-employment (SA103), employment (SA102), property (SA105), foreign income (SA106) and capital gains (SA108). We file it online with HMRC, send you a copy, and produce an SA302 if your mortgage lender needs proof of income.

  • 02

    Sole traders and the self-employed

    We turn your records into accounts and claim every allowable expense. That includes 55p a mile for your first 10,000 business miles, and the £1,000 trading allowance if it beats your real costs. You pay tax on profit, not turnover, and we sort your Class 2 and Class 4 National Insurance too.

  • 03

    Landlords and rental income

    Whether you have one buy-to-let or a full portfolio, we apply the Section 24 mortgage rules, so you do not overpay. Mortgage interest is no longer an expense; it is a 20% tax credit instead. We claim the £1,000 property allowance, split jointly-owned property correctly, and handle furnished holiday lets.

  • 04

    Company directors and dividends

    Salary and dividends are taxed differently, and the dividend allowance is now just £500. We file your personal return alongside your PAYE, report any benefit in kind from your P11D, and make sure HMRC does not tax the same income twice.

  • 05

    Capital gains and the 60-day rule

    Sold property, shares or crypto? We report the gain and apply your £3,000 tax-free allowance, and claim Business Asset Disposal Relief if you sold a business. Sold a second home? You have just 60 days to report and pay, or HMRC fines you. We handle both deadlines.

  • 06

    Payments on account and Making Tax Digital

    We work out your payments on account, the advance payments due on 31 January and 31 July, so the bill never shocks you. We also get you ready for Making Tax Digital, which starts in April 2026 for income over £50,000.

Why it pays off

Why file your Self Assessment with Zmartly

  • A named, ACCA-qualified accountant

    You get one qualified self assessment accountant who knows your return, not a call centre. ACCA-qualified, so the work meets a recognised professional standard.

  • Fixed fees from £99, no hourly billing

    You know the price before we start. Plans are £99, £199 or £499, based on how complex your return is. No surprise invoice for a quick question.

  • Replies within 72 hours, all year

    Tax questions do not only happen in January. You get a real answer within 72 hours, every month of the year.

  • We watch the deadlines for you

    We track your 31 January filing date, your 31 July payment, and the 60-day capital gains window. You get a reminder in good time, not a fine.

  • We work in your software

    Already on Xero, QuickBooks, FreeAgent or Sage? We work in what you use. No forced switch, and you stay Making Tax Digital ready.

  • Rolling monthly, cancel anytime

    No long contract. You stay because the work is good. There is also a 30-day money-back guarantee if we are not the right fit.

Do I need an accountant for my Self Assessment?

You can file your own return. For one PAYE income, where tax already comes out of your wages, it is often easy.

It gets harder with self-employment, rental income, dividends or capital gains. It gets harder again if you are a high earner, an expat with foreign income, or a contractor caught by IR35 or CIS.

That is where missed expenses and reliefs cost more than our fee. A good self assessment accountant checks every figure and claims what you are owed. We get the return right before HMRC sees it, so a small slip never becomes a £100 penalty.

Not sure you even need to file? Talk to someone first. It is free.

See also: capital gains taxcrypto tax

Self Assessment for Sole Traders, Landlords and CIS Workers

Different income, different rules. Our self assessment accountants handle the bits that catch people out, so you claim everything you should and pay only what you owe.

Sole Trader Self Assessment

First year self-employed, or just unsure what counts? We claim every expense you are allowed and sort your National Insurance, so you keep more and worry less.

Landlord Self Assessment and Property Income

The Section 24 mortgage rules trip up most landlords. We get your rental income, allowances and jointly-owned property right, whether you have one flat or a full portfolio.

CIS Self Assessment for Construction Workers

Under the Construction Industry Scheme, tax comes off your pay before you see it. Most subcontractors are owed money back, so we claim your CIS refund and file it right.

See also: sole trader accountingspeak to a tax advisor

What does a Self Assessment cost?

Hiring an accountant for Self Assessment costs less than the penalties and missed reliefs of getting it wrong.

We charge a fixed fee, not by the hour. You know the price before we start.

Our self assessment tax return services are built into every monthly plan, which also covers your software and your questions all year. Want one return filed and nothing ongoing? We file one-off returns too.

Your situationFixed fee
Sole trader, one income sourceFrom £99 a month
Self-employment plus property or dividendsFrom £199 a month
Director, multiple income, capital gains or foreign incomeFrom £499 a month
One-off return, no ongoing planFrom £150

See also: see full pricing

Self Assessment deadlines

Two dates matter most. Register by 5 October. File and pay by 31 January.

We file two weeks early, so an HMRC delay never becomes your problem. Your self assessment accountant tracks every date for you, so a missed deadline never turns into a fine.

DateWhat is due
5 OctoberRegister for Self Assessment, if it is your first return
31 OctoberDeadline for a paper return
30 DecemberFile online if you want tax under £3,000 collected through your tax code
31 JanuaryFile online and pay the tax you owe
31 JulySecond payment on account, if you make one

What happens if you file late?

HMRC charges a penalty the day after the deadline, even if you owe no tax. The longer you leave it, the more it costs.

Already missed a deadline? We can still file fast and help limit the damage.

How latePenalty
1 day£100, even if you owe nothing
3 months£10 a day, up to £900
6 months£300 or 5% of the tax, whichever is more
12 monthsAnother £300 or 5%

See also: talk to someone today

How we register you and file with HMRC

Whether it is your first return or your tenth, your self assessment accountant handles the lot and deals with HMRC for you.

First, we register you. New to this? We set up your UTR, your 10-digit taxpayer number, and your Government Gateway login with form CWF1, so HMRC has you on record before 5 October.

Next, we prepare your return. We pull your figures from Xero, QuickBooks, FreeAgent or Sage, claim every expense and relief, then send it to you with the tax due shown in full.

Then we file it. Once you say yes, we file your SA100 as your authorised agent, using a Form 64-8, and keep the receipt. You get reminders well before 31 January.

See also: book a callbookkeepingpayroll

Making Tax Digital for Income Tax

Making Tax Digital, or MTD, changes how you report income to HMRC. Instead of one return a year, you send updates every quarter from software.

It starts in April 2026 if your self-employment or property income is over £50,000. The £30,000 threshold follows in April 2027.

We move you onto compatible software now, so the switch stays calm, not rushed. As your online accountant for Self Assessment, we keep your records MTD-ready, so you keep earning and we keep it digital.

See also: see our VAT and MTD service

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Common questions

Frequently asked questions.

You must file if you earned over £1,000 from self-employment, rented out property, are a partner in a partnership, or are a company director with untaxed income. You also file if you got over £10,000 in dividends or savings interest, or face the High Income Child Benefit Charge. Not sure? We will check your position for free.

Quite a lot. Office costs, business mileage at 55p a mile, a share of your home bills if you work from home, phone, software, and training in your trade. The £1,000 trading allowance covers small earnings with no receipts. We also claim reliefs people miss, like pension contributions, Gift Aid and the marriage allowance. We go through your figures line by line, and if you have overpaid, we claim the refund back.

If your tax bill is over £1,000, HMRC asks for two advance payments toward next year. One is due on 31 January, the other on 31 July. Each is half of last year's bill, which is why January can feel steep. We forecast it early so you can set the cash aside.

Usually your UTR, any P60, P45 or P11D, your income and expenses, and details of rental income, dividends or capital gains if they apply. If you use Xero, QuickBooks, FreeAgent or Sage, we pull most of it straight from there. We send a short checklist so nothing slips.

Yes. As your self assessment accountant, we act as your authorised agent using a Form 64-8, so we can talk to HMRC, file your return, and sort queries on your behalf. Switching from another accountant is simple, as we handle the handover. And if HMRC opens an enquiry or investigation, that comes to us first, not you.

Yes. If you have missed a deadline or have a few years to catch up, we can file fast and get you back on track. We can also amend a return that was filed wrong, and appeal or reduce a penalty where there is a reasonable excuse. The sooner you talk to us, the more we can do.

Usually yes. PAYE covers your salary, but dividends and other income are not taxed at source. A director with untaxed income normally files a return. Tell us your setup and we will confirm exactly what you owe.

Making Tax Digital, or MTD, replaces the once-a-year return with quarterly updates from software. It starts in April 2026 if your self-employment or property income is over £50,000, then £30,000 from April 2027. We move you onto the right software early, so you are ready before the rules bite.

Zmartly Ltd20-22 Wenlock Road, London N1 7GU020 8175 5145info@zmartly.co.uk
Free · 30 minutes · No obligation

Stop overpaying tax. Start filing in 5 days.

Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.

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