For You Personally
Personal Tax Returns
We prepare personal tax returns for around 800 clients: sole traders, landlords, directors, higher-rate taxpayers, and anyone whose Self Assessment doesn’t fit neatly into HMRC’s online form. We work out what you owe, file it on time, and tell you what to pay and when.
In a nutshell: you complete our simple online checklist, send us your paperwork through ShareFile, and we do the rest. We file your return, we deal with HMRC, and we tell you what to pay — and by when. Fixed fee, agreed upfront.
Do you actually need an accountant for your Self Assessment?
You don’t legally need one. HMRC lets anyone file their own Self Assessment, and if your tax affairs are genuinely simple — one job, no side income, no rental property, no investments worth speaking of — you can probably do it yourself.
In practical terms, that’s a smaller group than people think. If any of the following describes your year, an accountant is usually the right call: you’re self-employed or run a side business; you let out a property; you’re a company director; your income (from any source) tops £100,000; you’ve sold shares, a second property, or a business; you have foreign income or you’ve been working abroad. Each of those changes what your return needs to include — and what HMRC expects from the supporting figures.
The other reason people use us is more honest: tax forms produce a particular kind of stress that nobody needs in their week. We take it off your hands, get it right the first time, and have the conversations with HMRC when needed.
What we cover in your Self Assessment
We prepare and file Self Assessment tax returns for individuals. That means:
- Employment income (P60s, P11Ds, any taxable benefits)
- Self-employment and partnership profits
- Property and rental income
- Dividends, interest, and other investment income
- Capital gains or losses, including the disposals that need separate reporting (see our Landlord Accounts & Tax page)
- Foreign income
- Pension contributions and tax relief
- Charitable giving and Gift Aid
- High Income Child Benefit Charge
- Anything HMRC has sent you that you weren’t sure what to do with
Where the planning side of things matters — taking dividends versus salary, choosing the right pension contribution, the timing of a disposal — that’s our Tax Planning service, and we’ll loop your tax planning conversations into your Self Assessment work when there’s anything worth flagging.
What about Making Tax Digital?
From April 2026, Making Tax Digital for Income Tax starts to apply to self-employed people and landlords with qualifying income above £50,000 — which is, of course, designed to make tax simpler…
If MTD for ITSA might apply to you, we’ve covered what changes, what you need to do, and what we handle for you on our Cloud Accounting & Making Tax Digital page.
How we work
Three steps, every year.
You complete our online checklist. It walks you through everything we need — income types, paperwork to upload, anything HMRC has sent you. Most clients finish it in less than 15 minutes.
We prepare your return. Matt or Julia will be in touch with anything that needs a quick conversation — a missing P60, a CGT date, a dividend voucher that doesn’t quite line up. We use ShareFile for documents (which we promise is easier than email).
We file it, and we tell you what to pay. You see the return before it goes to HMRC. Once you’ve approved it, we submit, and you get a clear note of what you owe and when. If HMRC writes to you about anything afterwards, forward it to us — we’ll either translate it or tell you to ignore it.
Who we look after
The clients we prepare Self Assessments for tend to fall into one or more of these groups:
- Sole traders and self-employed people. See Sole Trader Accounts for the full service.
- Landlords, including those with multiple properties or mixed-use lets. See Landlord Accounts & Tax.
- Company directors with PAYE income, dividends, or director’s loan accounts to declare.
- Higher-rate taxpayers — anyone earning over £100,000, where the personal allowance starts to taper.
- Retirees with pensions, savings interest, and sometimes a property or two — multiple income streams pulled into one return.
- Anyone who has sold property in the last tax year — both the disposal itself and the separate 60-day report HMRC requires.
If you recognise yourself in any of the above, we can probably help. If you don’t, get in touch anyway — Self Assessment has a way of catching people who weren’t expecting it.
Why clients stay with us
We’ve been working with individuals and small businesses since Stacey McVeighty FCCA founded the practice in 2014. Today we look after around 800 clients from one expanded office in Fulford, with the team that joined us from Sunley & Co now working alongside the original Change team under one roof. Matthew, our tax manager, is CTA qualified and we are always investing in CPD and further enhancing our tax team qualifications. We’re ACCA-accredited, and we hold 38 five-star reviews on Google — most from clients who’ve been with us for years.
Fixed fees. Plain English. The same team next year, and the year after that.
Frequently Asked Questions
31 January for online filing, 31 October for paper returns. If we handle your return, we’ll ask for your paperwork by 30 June at the latest. That gives us plenty of time to query anything and get the return filed well before the January deadline.
Complete our simple online checklist. It walks you through everything we need — income types, paperwork to upload, anything HMRC has sent you. Most clients finish it in under fifteen minutes. We take it from there.
HMRC charges an initial £100 penalty as soon as you miss the deadline, even if you don’t owe any tax, and the penalties escalate the longer the return stays unfiled. If we already handle your return, we won’t let this happen. If you’ve come to us late in the year, get in touch — there’s usually still time, even if it’s the last week of January.
Yes — the disposal itself gets reported in your Self Assessment. But residential property has an extra step: HMRC requires a separate Capital Gains Tax report within 60 days of completion, and that’s separate from the annual return. We handle both. The detail lives on our Landlord Accounts & Tax page, and if you’ve sold something this year and you’re not sure whether you’ve reported it correctly, drop us a message — sooner is much better than later.
Yes. We handle the transfer from your existing accountant, pick up where they left off, and get your records straight. Most switches happen in February after a nasty, surprise tax bill in January, but we can do it any time of year.
Ready to get your Self Assessment sorted?
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