Covering CT10 Post Codes
Tax Advisers & Personal Tax Specialists in Broadstairs
ACCA and ATT qualified, HMRC-registered personal tax advisers serving Broadstairs: capital gains, pension and retirement tax, holiday-let and landlord returns, Self Assessment and Making Tax Digital support.
- 0+
Years Experience
- 0+
Kent towns covered
- 0%
Fixed Pricing
Broadstairs runs on its coastline. Seven sandy bays, from Viking Bay under the clifftop promenade round to Botany Bay and Kingsgate, pull visitors through the whole season, and the Dickens Festival each June keeps the town’s oldest selling point working for it. That popularity shapes the tax questions people bring us from CT10: holiday lets and second homes, retirement incomes that turn out to be more complicated than expected, and seasonal businesses squeezing a year’s trade into half a year.
Kent Tax Specialists is a personal tax practice qualified with the ACCA and the ATT and registered as an agent with HMRC. Personal tax and small business tax is all we do, for clients across Broadstairs, St Peter’s and the wider isle.
Holiday lets across the seven bays
Broadstairs has long been a holiday-letting town, and the tax rules for those owners changed materially when the furnished holiday lettings regime was abolished from April 2025. The old advantages, including full mortgage interest deduction and favourable capital gains treatment, have gone, and holiday lets are now taxed like ordinary residential lets. Owners also face the digital platform reporting rules, under which booking sites report host income to HMRC directly, and Making Tax Digital for Income Tax, which already applies at £50,000 of qualifying income and reaches £30,000 from April 2027.
We prepare landlord tax returns for holiday-let and buy-to-let owners, apply the post-2025 rules correctly rather than by habit, and handle voluntary disclosures where letting income from earlier years never made it onto a return.
Retirement income that is not as simple as it looks
Broadstairs is a town people retire to, and retirement rarely simplifies tax the way people expect. A state pension, one or two private pensions, savings interest and perhaps some dividend income can add up to a position where allowances interact badly: the personal savings allowance shrinks as income rises, dividend allowances are tighter than they were, and a pension lump sum taken carelessly can push a year’s income into a higher band that careful timing would have avoided.
Our personal tax advice work for retired clients covers exactly this ground: checking tax codes across multiple pension sources, timing withdrawals, using Marriage Allowance where it applies, and confirming whether HMRC actually requires a return at all, because many pensioners file unnecessarily while others who should file do not.
Selling property: downsizing, second homes and the 60-day clock
Property sales generate more urgent Broadstairs enquiries than anything else. Your main home is normally covered by private residence relief, but a second home, an inherited property or a former holiday let is not, and any taxable gain on UK residential property must be reported and the tax paid within 60 days of completion. Sixty days passes quickly when probate paperwork or estate agents are involved, and late reporting attracts penalties on top of interest.
We handle capital gains tax from both ends: planning before a sale, so reliefs, losses and ownership structure are sorted while they can still help, and fast, accurate 60-day reporting once completion happens.
Seasonal hospitality and the self-employed
Behind the beaches, Broadstairs supports cafes, restaurants, guesthouses and a base of self-employed trades and freelancers. Seasonal trading concentrates a year’s income into a few months, which makes payments on account genuinely painful if nobody plans for them, and pushes busy businesses toward the £90,000 VAT registration threshold faster than owners expect. We prepare Self Assessment tax return for sole traders, handle VAT returns where registration is due or already overdue, and run Making Tax Digital set-up so quarterly digital filing fits around the season rather than fighting it.
What tax advisers in Broadstairs should bring to the table
Three things, in our view: real qualifications, direct HMRC standing and honest pricing. Our advisers are qualified with the ACCA and the ATT. The practice is a registered HMRC agent, so we file returns, view the relevant parts of your HMRC record and handle correspondence through official agent channels, including full HMRC investigations representation if an enquiry opens. And every piece of work is quoted as a fixed fee, agreed in writing before anything starts.
Construction subcontractors are covered too: CIS tax refund claims recover overpaid CIS deductions, currently going back as far as the 2022/23 tax year.
Broadstairs, St Peter’s and everywhere between the bays
Clients come to us from the town centre, St Peter’s, Dumpton and the lanes out toward Kingsgate. Most of the work runs by phone, email and secure document exchange, which suits retired clients and seasonal owners equally well, and we arrange face-to-face meetings where the situation deserves one, typically complex capital gains planning or an HMRC enquiry.
Bring us the question, whatever shape it is in
If you are looking for a tax adviser in Broadstairs, you do not need tidy paperwork to start. A holiday let whose rules changed underneath it, a pension position that no longer makes sense, a completion date that starts a 60-day clock, or a letter from HMRC: tell us what is happening and we will tell you plainly what needs doing, what it costs and when it will be done.
Our Services
Trusted Tax Services in Broadstairs
We're Here To Help
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 Broadstairs 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 Broadstairs 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.
Not automatically, but more retired people need to file than expect to. Common triggers are untaxed income such as rental profits, savings interest above the personal savings allowance, dividends above the dividend allowance, or a total income level that affects allowances. Multiple pensions also multiply the chances of a wrong tax code quietly collecting too much or too little. We check whether HMRC actually requires a return in your case, correct codes across your pension sources, and file only what genuinely needs filing.
The furnished holiday lettings regime was abolished from April 2025, so the old advantages no longer apply: mortgage interest now only earns a basic rate credit, capital allowances on furnishings have been replaced by the ordinary replacement rules, and the favourable capital gains treatment on sale has gone. Your let is now taxed like any other residential rental. That changes what is worth claiming, how a future sale should be planned, and for some owners whether the let still stacks up. We rework the numbers under the current rules.
Coverage