Covering ME9, ME10 Post Codes
Tax Advisers & Personal Tax Specialists in Sittingbourne
ACCA and ATT qualified, HMRC-registered personal tax advisers serving Sittingbourne: Self Assessment, CIS refunds, redundancy and employment income, landlord tax, capital gains, 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
Sittingbourne has always made things and moved things. Paper has been made on the marshes north of the town for well over a century, and the mill at Kemsley is now the largest producer of recycled paper in the United Kingdom and the second largest in Europe, turning out around 830,000 tonnes a year entirely from recycled fibre. The Eurolink estates east of the town carry the modern version of the same idea: distribution units, food production, trade counters and haulage. And the station puts St Pancras roughly 57 minutes away on the high-speed line, which has made ME10 a commuter town as well as a working one.
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 in Sittingbourne for shift workers, subcontractors, drivers, landlords and the self-employed across ME9 and ME10, from Milton Regis and Kemsley to Bapchild, Borden, Bobbing and the villages out toward Newington and Teynham.
Employment income that is not straightforward
Industrial and distribution work is PAYE work, and PAYE is supposed to get the answer right without anyone thinking about it. In practice it often does not. Shift premiums and overtime in a heavy month can push a tax code onto assumptions that never come true. A second job is frequently coded with no personal allowance against it. A change of employer without a P45 starts the new job on an emergency or week one basis. Benefits such as a company vehicle, private medical cover or an interest-free loan are reported on a P11D after the year has ended, which means the code catches up late and the underpayment arrives as a surprise.
None of that is hard to fix once somebody looks at it properly. Our personal tax advice service reviews codes across every source of income, reclaims tax overpaid in previous years, and checks entitlements such as Marriage Allowance that couples routinely miss. Where HMRC requires a return, we prepare the Self Assessment tax return that goes with it.
Redundancy, settlements and pay in lieu
Manufacturing and logistics towns see restructurings, and the tax treatment of what comes out of one matters. The first £30,000 of a genuine redundancy payment is normally tax free, but not everything in a settlement counts as redundancy. Notice pay, holiday pay, bonuses and any contractual entitlement are taxable in full, and pay in lieu of notice is dealt with under specific rules that override how the payment is labelled. Employers do not always apply the split correctly, and the difference is often several thousand pounds. We check the calculation, correct it with HMRC where it is wrong, and advise on pension contributions in the same tax year where they would reduce the bill.
Trades, subcontractors and the estates
Sittingbourne’s building trade works across Swale and beyond, on housing sites, industrial refits and the domestic work that follows both. Under the Construction Industry Scheme, contractors deduct 20% from a subcontractor’s payments before anything is spent on doing the job, or 30% where the subcontractor is not registered. Because those deductions ignore tools, protective clothing, site travel, materials, plant hire and insurance, most subcontractors have overpaid by the end of the year, and a repayment is the usual outcome rather than the exception. Our CIS refund work reclaims it, and where earlier years were never reviewed, claims can currently go back as far as the 2022/23 tax year.
Self-employed drivers and owner-operators working out of the estates face a different set of decisions: mileage rates or actual running costs, capital allowances on a vehicle, overnight subsistence, and the treatment of a van used privately as well as for work. Those choices are hard to unwind later. As a business grows, VAT registration becomes compulsory once turnover approaches £90,000, and construction firms meet the domestic reverse charge on top. We handle registration, scheme choice and the quarterly returns.
Commuters and the new housing
Sittingbourne has grown substantially, and much of that growth has been driven by people who work elsewhere. The high-speed service and the mainline route to Victoria both feed London payrolls, and higher earners on them meet the tax rules that PAYE alone cannot manage: the personal allowance taper above £100,000, which creates an effective 60% rate on the band above it, the High Income Child Benefit Charge once one partner’s income passes £60,000, share schemes, and untaxed income earned alongside the day job. HMRC will usually require a return in each of those cases even when every pound has already been taxed at source. We prepare it, and check whether pension contributions can restore a tapered allowance before the year ends.
Landlords across ME9 and ME10
Town-centre regeneration has changed what Sittingbourne offers after six o’clock, with the Bourne Place leisure quarter bringing an eight-screen cinema and restaurants to the centre, and the rental market has grown alongside the town. Landlords here now carry a heavier compliance load than they did five years ago. Mortgage interest relief is restricted to a basic rate credit rather than a deduction, the distinction between a deductible repair and a capital improvement decides the tax on older stock around Milton Regis, and joint ownership changes whose rate of tax applies to the profit.
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, which brings quarterly digital filing to a great many ordinary landlords. When a property is sold, the gain must be reported and the tax paid within 60 days of completion. We prepare landlord tax returns, handle the Capital Gains Tax position and the 60-day return, and get records ready through our Making Tax Digital service before the deadline becomes urgent.
How a tax adviser in Sittingbourne helps
Eight services cover everything above: Self Assessment, personal tax advice, CIS refunds, landlord returns, Capital Gains Tax, VAT, Making Tax Digital, and HMRC investigation support, where we deal with the inspector directly on your behalf. Each has its own Sittingbourne page, and none of them is delivered by a call centre.
The title of tax adviser is not protected, which is why credentials matter. Ours are ACCA and ATT qualifications and registration as an HMRC agent, so we deal with HMRC through official agent channels. Fees are fixed and agreed in writing before any work starts, with no hourly rates and no invoice at the end that looks nothing like the quote.
Covering ME9 and ME10
We act for clients across Sittingbourne and the surrounding parishes, including Milton Regis, Kemsley, Murston, Bobbing, Borden, Bapchild, Tunstall, Newington and Teynham. Most work runs by phone, email and secure document exchange, which suits shift patterns and commuting diaries alike, and we arrange a meeting whenever a conversation will do the job better than a call.
The first move is a conversation
If you are looking for a tax adviser in Sittingbourne, start by telling us the situation. A settlement agreement you do not want to sign blind, CIS statements from a season you never got round to filing, a rental property about to sell, a tax code that has been wrong for years, or a letter from HMRC that arrived this week: we will tell you plainly what needs doing, what it costs, and how quickly it can 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 Sittingbourne 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 Sittingbourne 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.
The first £30,000 of a genuine redundancy payment is normally free of tax, but the rest of a settlement usually is not. Notice pay, holiday pay, bonuses and anything you were contractually entitled to are taxable in full, and pay in lieu of notice is caught by specific rules regardless of how the payment is described in the paperwork. Employers do not always split it correctly. We check the figures before you sign where possible, correct the position with HMRC afterwards where necessary, and look at whether a pension contribution in the same year helps.
It depends on the arrangement rather than on what the agency calls it. Many agency workers are treated as employed for tax and taxed under PAYE by the agency or by an umbrella company, in which case there is no self-employed return to file, though tax codes across multiple assignments frequently go wrong. Others genuinely operate on their own account and must register for Self Assessment. Getting the classification wrong causes problems in both directions. We look at how you actually work and confirm which applies.