Covering TN13, TN14, TN15 Post Codes
Tax Advisers & Personal Tax Specialists in Sevenoaks
ACCA and ATT qualified, HMRC-registered personal tax advisers serving Sevenoaks: capital gains on property, higher-rate Self Assessment, landlord tax, Making Tax Digital and HMRC enquiry support.
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Years Experience
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Kent towns covered
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Fixed Pricing
Sevenoaks has been a commuter town since the railway arrived in 1862, and today the fastest trains reach London Bridge in a little over 20 minutes. That connection, together with the green belt that wraps the town and the parkland of Knole on its doorstep, has made Sevenoaks consistently one of the most expensive places to live in Kent. Wealth of that kind is welcome, but it is rarely tax-simple. High salaries taper away the personal allowance, long-held houses carry large paper gains, and family property decisions can trigger tax bills nobody saw coming.
We are Kent Tax Specialists, a personal tax practice qualified with the ACCA and the ATT and registered as an agent with HMRC. We act as tax advisers to individuals and families across Sevenoaks and its surrounding villages, from the town centre in TN13 out to Otford, Shoreham, Dunton Green and Sundridge in TN14 and Seal, Kemsing, Ightham, Borough Green and Wrotham in TN15. Personal tax and small business tax is all we do, which is exactly why we are good at it.
The tax questions Sevenoaks brings us
Every town has a pattern. In Sevenoaks, the pattern is high earnings, high property values and the complications that follow both.
City incomes, bonuses and the £100,000 cliff edge
A large share of Sevenoaks households includes at least one serious London salary, and the tax system treats those salaries differently. Once total income passes £100,000, the personal allowance starts to withdraw, creating an effective 60% rate on the band above it, and HMRC usually expects a Self Assessment return even when everything is taxed under PAYE. Bonuses and share scheme events push people over these thresholds in a single payslip. We prepare returns for Sevenoaks commuters through Self Assessment, and just as importantly we plan around the thresholds: pension contributions timed to restore the allowance, tax codes corrected before HMRC’s estimates drift, and child benefit positions checked rather than guessed.
Selling property when the gain runs long
Sevenoaks house prices have climbed for decades, which means a rental property or second home bought years ago can be carrying a very substantial gain. Your main home is generally protected by private residence relief, but a buy-to-let, an inherited house you kept, or a flat retained from before a marriage is not. Residential property gains must be reported and the tax paid to HMRC within 60 days of completion, a deadline that catches many sellers who assumed it could wait for the January return. Our Capital Gains Tax service covers both sides of this: the reliefs and calculations before you commit to a sale, and the 60-day reporting once you do. The best time to talk to a tax adviser in Sevenoaks about a disposal is before exchange, not after completion.
Passing property down the family
Closely related, and increasingly common here, is the parent who wants to help children onto the housing ladder by gifting a property or a share of one. A gift to family is treated as a disposal at market value for Capital Gains Tax, so generosity can create a real tax bill even though no money changed hands. We advise on the capital gains consequences of gifts, transfers between spouses, and the timing of disposals across tax years, and we work alongside your solicitor where estate planning documents are involved, so the tax position is understood before anything is signed.
Landlords in a premium rental market
Strong schools and the London connection keep rental demand in Sevenoaks steady, and many local landlords hold property that produces both healthy rent and a growing compliance burden. Mortgage interest relief is restricted to a basic rate credit, and Making Tax Digital for Income Tax began in April 2026 for landlords with qualifying income over £50,000, with the threshold falling to £30,000 from April 2027. Through landlord tax returns we prepare rental accounts and returns, advise on what is genuinely deductible, and set up digital records through Making Tax Digital before quarterly filing becomes unavoidable.
What a tax adviser in Sevenoaks takes off your plate
All eight of our services are available to Sevenoaks clients, shaped to the situations above:
- Self Assessment tax returns for commuters, higher earners and anyone HMRC has asked to file
- Personal tax advice on the £100,000 taper, pension relief, savings and dividend allowances and family tax planning
- Capital Gains Tax planning and 60-day reporting on property and investment disposals
- Landlord tax returns from a single let to a portfolio
- Making Tax Digital set-up and quarterly filing support
- VAT returns for local businesses approaching or past the £90,000 registration threshold
- CIS tax refunds for subcontractors in the building trades
- HMRC investigations, where we deal with the inspector directly so you never face HMRC alone
Qualified advisers on fixed fees
The title “tax adviser” is not protected, so credentials are how you tell substance from marketing. Our advisers are qualified with the ACCA and the ATT, the Association of Taxation Technicians, and the practice is a registered HMRC agent, dealing with HMRC through official agent channels on your behalf. Every engagement is on a fixed fee agreed in writing before work starts. For clients with genuinely complex affairs, that certainty matters as much as the advice.
Serving the town and the villages around it
We work with clients across the whole Sevenoaks area: the town itself and Dunton Green in TN13, the villages along the Darent valley including Otford and Shoreham in TN14, and the communities east of the town from Seal and Ightham to Borough Green, Wrotham and West Kingsdown in TN15. Most work runs by phone, email and secure document exchange, which suits a commuting town, and we arrange face-to-face meetings where the conversation warrants it.
The first step costs nothing
If you are looking for a tax adviser in Sevenoaks, start with a short conversation. Tell us about the bonus that tipped you over £100,000, the flat you are thinking of selling, the property you want to pass to your children, or the HMRC letter on the kitchen table. We will set out plainly what needs doing, what it costs, and when it will be done.
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Frequently Asked Questions
You can file your own return through HMRC’s online service, and for a single PAYE income with nothing else going on, that may be enough. A tax adviser earns their fee when your affairs have moving parts: self-employment or CIS work, rental property, income over £100,000, capital gains, or child benefit at higher earnings. In those cases the common outcome is that we find allowances and expenses that self-filers miss, and we take on the deadlines and HMRC correspondence so mistakes and penalties stop being your problem. Many Sevenoaks clients come to us after one stressful January too many.
We work on fixed fees agreed in writing before any work begins, so the honest answer is that it depends on the job, but you will know the exact figure before you commit to anything. A straightforward Self Assessment return costs less than a landlord return with capital gains reporting, and both are quoted upfront. There are no hourly rates, no meters running on phone calls, and no surprise invoices at the end. Tell us what your situation involves and we will give you a firm quote, with no obligation to proceed.
Yes, where a face-to-face conversation is the right way to work. In practice most of our Sevenoaks clients prefer to handle everything by phone, email and secure document exchange, because it fits around work and avoids anyone taking a morning off to deliver paperwork. Records are shared securely, returns are approved electronically, and you can reach your adviser directly rather than through a call centre. When a meeting genuinely helps, typically for complex planning or an HMRC investigation, we arrange one at a time and place that works for you.
An accountant typically covers the full breadth of a business’s finances: bookkeeping, annual accounts, payroll and company filings, with tax as one strand among many. A tax adviser, or advisor as it is sometimes spelt, works in depth on tax itself: Self Assessment, reliefs and allowances, capital gains, and dealings with HMRC. We are personal tax specialists, qualified with the ACCA and the ATT, which means tax is not a sideline to accounts work; it is the entire practice. If your need is your own tax position rather than company bookkeeping, a specialist adviser is usually the better fit.
Yes. We are a registered HMRC agent, which means HMRC recognises the practice as authorised to act on clients’ behalf. Once you appoint us and sign the agent authorisation, we can file your returns, view the relevant parts of your HMRC record, correct tax codes and handle correspondence and enquiries directly with HMRC for you. Alongside agent registration, our advisers hold ACCA and ATT qualifications, so the people doing the work are professionally qualified in tax, not just registered to submit forms.
Within 60 days of completion. Residential property gains must be reported to HMRC through a separate online return, with the tax paid at the same time, and missing the window brings automatic penalties and interest. Given how far Sevenoaks property values have risen over long ownership periods, the figures involved are often substantial, so it pays to have the calculation, the reliefs and the reporting handled before completion day rather than discovered afterwards. Talk to us once you decide to market the property and the 60-day deadline becomes a formality rather than a scramble.
Because above £100,000 your personal allowance is withdrawn at £1 for every £2 of income, creating an effective 60% rate on the band above the threshold, and PAYE codes rarely keep up with a fluctuating bonus. HMRC also usually requires a Self Assessment return at this level. Many Sevenoaks commuters in this position can restore some or all of the allowance through pension contributions, but the planning has to happen before the tax year ends. We prepare the return, fix the code and time the planning properly.
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