REMEZ & PARTNERS

Tax trouble? Tell us the situation — we'll deal with HMRC.

Not "an accountant". An answer. Letter from HMRC, CIS deductions, rental income, first year in the UK — pick your situation and start with a free assessment.

Check your situation — freeor message us on WhatsApp →

Reply within 24 hoursFixed quote in writing — before any workLondon & remote, UK-wide
Write to us in whatever language is easiest —
Dzień dobry, dostałem list z HMRC — co robić?
Send us a photo. Most HMRC letters are one of about eight types — and which one it is decides how urgent this really is.
— we reply in plain English.

Pick your situation

Pick yours — or show all eight. Every situation begins with a free assessment; if there's work to do, you get a fixed quote in writing before anything starts.

How it works

Five steps, no office visits, nothing to print. Most clients go from first message to signed and sorted within a few days.

1

Message us

WhatsApp, form or email — in whatever language is easiest.

2

60 seconds of questions

Five quick questions so we understand your situation before we speak.

3

Free 15-minute call

We assess, you ask. If we're not the right fit, we say so and point you right.

4

Fixed quote — same day

In writing, with what's included and what's not. No hourly surprises.

5

Sign & pay online

E-signature and a 3-minute ID check from your phone. Subscriptions by Direct Debit.

Start now — 60 seconds

Answer five questions. The button opens WhatsApp with your answers already written — just press send.

or send by email

Nothing is stored on this page — the button simply opens WhatsApp or your mail app with the message ready.

What's this letter from HMRC?

Click the one that looks like yours. Free, instant, no email required.

Can't find yours? Send a photo of the letter on WhatsAppor email it — we'll tell you what it means within 24 hours, free.

Free tools

Rough answers in 30 seconds. Estimates, not advice — but a good place to start.

Self-employed tax estimator (2026/27)

Income tax + Class 4 NI, standard personal allowance, England & Wales rates. Estimate only.

Do I need to file a Self Assessment?
CIS refund estimator

Assumes 20% CIS deducted at source and standard allowance. Estimate only.

Visa / ILR financial documents checklist

What self-employed applicants typically need to evidence income:

  • SA302 tax calculations — filed, for the relevant years
  • Tax year overviews matching each SA302
  • Accountant's letter confirming income (factual, from filed returns)
  • Business & personal bank statements
  • Management accounts for the current year
  • Ltd directors: accounts, dividend vouchers, payslips
Email me the full PDF checklist

We prepare the financial documents only — immigration advice is regulated, and we'll refer you to a registered adviser for it.

Sorted? Then let's keep it that way.

Most clients stay after we fix the first problem: bookkeeping, Self Assessment, Ltd accounts and quarterly MTD filing in one quiet subscription. January stops being a horror month.

Year-round accounting — get a quote →
24hmaximum time to a first reply, any channel
Fixedfees agreed in writing before any work starts
Any languagewrite as you speak — we reply in plain English

The re-do guarantee

If a bank, lender or the Home Office queries a document we prepared, we correct and reissue it free — and deal with the follow-up questions ourselves. That's the promise behind every Evidence Pack, letter and return we produce.

Guides

Plain-English answers to the questions people actually search. New guides every month.

Every HMRC letter, explainedP800s, nudge letters, penalties, compliance checks — what each one means, how urgent it really is, and what to do this week.Your first UK tax yearResidence, split-year treatment, the 4-year FIG regime and foreign income — the decisions that shape your first return.SA302: what it is and how to get yoursThe document every lender and visa application asks for — where to find it, what must match it, and what to do when it is refused.How to pay corporation taxThe deadline is 9 months and 1 day after your year end — three months before the return. Methods, references and what happens if you are late.The CT600 company tax returnWhat goes in it, the 12-month deadline, why it has to be iXBRL, and penalties from £200 to 10% of the unpaid tax.The director's loan accountThe 33.75% S455 charge, the nine-month deadline, the £10,000 benefit-in-kind line, and why repaying then re-borrowing does not work.How to pay yourself from a limited companySalary, dividends and pension contributions compared on the 2026/27 rates — and why there is no single right split.How to register as a sole traderThe 5 October deadline, what HMRC asks for, how long the UTR takes to arrive, and what to do if you have been trading unregistered.Do I need to file a tax return?The triggers that pull you into Self Assessment, the £1,000 trading allowance, and why an HMRC notice overrides all of them.Self Assessment deadlinesEvery date in one place — and why filing on time but paying late still costs you.How to pay your Self Assessment billThe reference, how long each method takes, and why the January bill is half again as big as the tax you expected.Registering for CISTwo registrations, not one — and why contractors keep deducting 30% months after you thought it was sorted.CIS deductions explained20% of labour only — not materials, not VAT — and why the deduction was never the same number as your tax bill.CIS gross payment statusThe three tests, the turnover thresholds, and the compliance record you have to keep clean afterwards.CIS monthly returnsThe 19th deadline, nil returns, verification, and a penalty scale that compounds monthly.The Let Property CampaignDeclaring rental income you never reported: the 90-day window, how many years are at risk, and why coming forward first costs so much less.Making a disclosure to HMRCWhich route applies, what unprompted means and why it decides the penalty, and what to do if a letter has already arrived.HMRC payment plansTime to Pay explained: when you can arrange it online, what happens to interest and penalties, and why timing decides the cost.HMRC compliance checksWhat an enquiry actually is, why scope matters more than anything else, and what decides the eventual cost.Appealing an HMRC penaltyThe 30-day window, what counts as a reasonable excuse and what does not, and why you file the return first.Tax on rental incomeWhat counts as profit, what you can deduct, and why the mortgage sits outside the subtraction.The Rent a Room Scheme£7,500 tax-free from a lodger — halved if the income is shared, and gone entirely once you move out.The non-resident landlord scheme20% withheld unless you have approval — and the tenant has to do it when there is no agent.Making Tax Digital for landlordsThe £50,000, £30,000 and £20,000 phases, what qualifying income means, and what quarterly updates involve.Split-year treatmentDividing the year you arrive or leave, so foreign income from before you moved stays outside UK tax — if you claim it.The 4-year FIG regimeWho qualifies, what claiming costs you in allowances, and why the window runs from arrival rather than from your first claim.Form P85: leaving the UKWhy leaving mid-year usually means a refund, what the form does not settle, and the four things that change at once.Overseas Workday ReliefFour years instead of three, a new cap, and the end of the offshore account requirement.Sole trader or limited company?How each is taxed, what a company really costs to run, and why starting as a sole trader risks less.How to close a limited companyStrike off or liquidation, what happens to money left inside, and why letting it lapse is the expensive route.Late filing penalties at Companies HouseThe £150 to £1,500 scale, the doubling on repeat, and why appeals almost never work.IR35 explainedWhat the rules test, who makes the determination, what actually decides status, and how to dispute one.Inside or outside IR35?The practical differences, what decides status, and whether an inside determination is worth changing anything over.Umbrella companiesWhy the assignment rate is not your salary, what legitimately comes out of it, and how to spot a scheme.

All guides · What we actually do →

Questions people ask us

How far back can HMRC go?

4 years for innocent errors, 6 for carelessness, up to 20 where HMRC believes income was deliberately hidden. That's why coming forward voluntarily — before a letter arrives — almost always ends cheaper: penalties drop sharply for unprompted disclosure.

I got a "nudge letter" about foreign income or crypto. Am I in trouble?

Not yet — a nudge letter means HMRC's data (from banks and, from 2026, crypto exchanges) suggests something may be missing from your return. Ignoring it is what causes trouble. The right answer is a check of your actual position, then either a confident "nothing to declare" reply or a disclosure on the best available terms.

Do I need to file a Self Assessment at all?

Broadly: yes if you earned over £1,000 self-employed, have rental or foreign income, earn over £60,000 with Child Benefit in the household, made capital gains, or HMRC asked you to. The 60-second quiz above gives you a personal answer.

I missed the 31 January deadline. How bad is it?

£100 immediately, then £10/day after 3 months, plus 5% of the tax at 6 and 12 months — and interest. Filing now stops the meter, and a reasonable-excuse appeal can remove penalties in genuine cases. The worst strategy is waiting.

What's an SA302 and why does everyone want it?

It's HMRC's official summary of your declared income — the document banks, lenders and the Home Office use to verify what you actually earn. We file your return, then produce the SA302 and matching tax year overviews as a pack.

I'm on CIS. Why would I get a refund?

Contractors deduct 20% (or 30%) of your labour before you're paid — but that ignores your personal allowance and expenses. After the return, the overpayment comes back. We charge a fixed fee, never a percentage of your money.

I've never declared my rental income. What now?

HMRC runs the Let Property Campaign — a route to disclose voluntarily with much lower penalties than being caught first. We calculate what's owed, prepare the disclosure and negotiate time to pay if needed. The letter from HMRC is the expensive way to start this conversation.

I just moved to the UK. Do you handle foreign income?

Yes — it's a speciality. Residence tests, split-year treatment, double-tax relief and the new 4-year FIG regime for recent arrivals. If you moved in 2025/26 and owe UK tax, you must register by 5 October 2026.

Can you help with my visa application?

With the financial documents — yes: SA302s, tax year overviews, accountant's letters, management accounts. Immigration advice itself is regulated by the IAA, so we don't advise on visa rules; we work alongside your immigration adviser and stick to the numbers.

Do I need to come to an office or meet in person?

No. Everything works remotely: documents are signed electronically (a simple e-signature is fully valid in the UK), identity is verified with a 3-minute check from your phone, and calls happen when you actually want one. Clients in London and clients in Aberdeen get exactly the same service.

How do payments work?

Ongoing accounting runs as a monthly subscription collected by Direct Debit — you approve it once online and never chase invoices. One-off jobs are invoiced with payment before we file. Every price is fixed and agreed in writing first.

I already have an accountant. Is switching painful?

It's easier than people fear — and it's our job, not yours. You confirm the switch, we write to your previous accountant for "professional clearance" and your records, re-authorise ourselves with HMRC, and tell you when it's done. Nothing gets lost between accountants.

Can I write to you in my own language?

Yes — write in whatever language you think in, from Polish or Romanian to Urdu, Punjabi, Portuguese, Spanish, Arabic or Bengali. We reply in plain English so every answer is easy to forward to a bank or landlord. Official documents are always in English.