By industry
Specialist guides for four common industries.
The tax issues that actually come up for IT contractors aren't the same as the ones that come up for CIS trades, creative freelancers, or medical locums. Four focused guides.
01
IT Contractors
Day-rate contractors on IR35 risk, limited company optimisation, pension planning and the £100k cliff edge.
£500-£1,200 typical day rate£95/mo Ltd package
Read the guide02Creative Freelancers
Film, TV, music, design — irregular income, royalties, international work, averaging relief, and agent commissions.
Creative averaging relief£149 tax returns
Read the guide03Construction & CIS
Plumbers, electricians, builders, decorators on CIS — 20% deductions, van expenses, year-end refund claims.
£2-4k typical CIS refund£55/mo CIS package
Read the guide04Medical Locums
GP and consultant locums, NHS + private practice mix, pension interplay, and post-2021 IR35 positioning.
Pension taper territory£115/mo Ltd + spouse
Read the guide