Our Personal Tax Services for UK Residents and Non-Residents

Understanding personal tax can be confusing for people not in the financial sector. Our team of experts at Apex Accountants can help you with filing your personal tax. We make this task simple and stress-free for you. We provide advice and personal tax services that are in line with your financial needs. Our range of services includes helping with complex tax issues or compliance-related issues. By partnering with us, your personal tax planning  can become simple. Our personal tax accountants offer clear, actionable strategies to manage your tax affairs efficiently, making the process as seamless as possible. In addition, our approach is designed to minimise stress and maximise your tax benefits. 

UK Income Tax Bands & Personal Allowance

Navigating the UK tax system is crucial for effective financial planning. To help you understand how taxes are calculated, here’s an overview of the current income tax bands and the personal allowance for the 2025/26 tax year:

UK Income Tax Bands (2025/26)

For the 2025/26 tax year, the UK income tax bands are as follows:

• Up to £12,570: No income tax is charged (0%).
  
• £12,571 to £50,270: Taxed at the basic rate of 20%.
  
• £50,271 to £125,140: Taxed at the higher rate of 40%.
  
• Above £125,140: Taxed at the additional rate of 45%.
  

These tax rates apply to residents of England, Wales, and Northern Ireland. Scotland has its own system of income tax rates.

Personal Allowance: £12,570

The personal allowance is the amount of income you can earn each year before you start paying income tax. For the 2025/26 tax year, the standard personal allowance is £12,570.

Key Points to Consider:

• High Earners: If your income exceeds £100,000, your personal allowance is reduced by £1 for every £2 earned over this threshold. Once your income reaches £125,140, your personal allowance is eliminated entirely.
  
• Blind Person’s Allowance: If you are registered as blind, you may be eligible for an additional allowance, increasing your tax-free income.

Having a clear understanding of tax bands and personal allowance is vital for effective tax planning and financial forecasting. By staying within lower tax bands, you can minimise your tax liabilities and optimise your financial position.

How Apex Accountants Can Help

At Apex Accountants, we specialise in personal tax services tailored to your unique financial situation. Whether you’re a high earner, self-employed, or planning for retirement, our team of expert tax advisors can help you navigate the complexities of the UK tax system and provide proactive tax planning strategies.

Why Choose Our Personal Tax Services? 

Friendly Expertise 

When it comes to matters as sensitive as your personal tax, you should only rely on the most skilled and competent personal tax advisors.  Our team has a detailed understanding of the UK tax system and many years of experience. These qualifications make us experts when it comes to financial planning. Our clients include people from all walks of life, such as high-net-worth individuals and expats. We always modify our approach to tax planning to fit your needs. Our personal tax experts can help you understand tax laws and HMRC guidelines so you have accurate information. We adopt a holistic approach that combines your personal and business finances for optimal tax efficiency. 

Expert Support from Our Qualified Personal Tax Accountants

When it comes to personal tax, having the right professionals by your side makes all the difference. Our qualified personal tax accountants bring years of experience, technical expertise, and a proactive approach to help you stay compliant while making smart financial decisions. Whether you’re a landlord, high earner, business owner, or investor, we handle your tax matters with clarity and care.

Here’s what our team offers:

• Chartered and certified tax specialists (ACCA, ATT, CTA)
• Tailored tax planning for income, capital gains, and inheritance
• HMRC correspondence and dispute handling
• Expert advice on residency and non-dom status
• Reliable filing of self-assessment tax returns
• Ongoing support for changing tax needs year-round

Comprehensive Personal Tax Services 

The services we offer include 

• Income tax 
• Capital gains tax 
• Inheritance tax 

No one wants to pay more tax than they should. That is why our aim at Apex Accountants is to help you understand your finances to protect your interests. Moreover, we will make sure you are following HMRC regulations. Our advisors do a detailed overview of your finances. Then they identify all options for saving tax and offer guidance. We help you take control of your investments, pensions, and estate planning. Our team also helps you with tax disputes and HMRC investigations.

Forward-Thinking Personal Tax Planning 

At Apex Accountants, we  offer personal tax planning services. We do this by working closely with you to understand your financial goals. Then we develop strategies that will improve your tax position so you can maintain and grow your wealth. Our services include: 

• Regular reviews of your tax situation 
• Proactive recommendations for adjustments based on legislative or financial changes 

We offer a forward-looking tax strategy that not only minimises your current tax liabilities but is beneficial for long-term financial success. 

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Who is This Service For? 

Our team offers personal tax services to a varied clientele, for example:

• High Net Worth Individuals: We can help you grow your wealth and manage your assets. 
• Expats and Non-Residents: Particularly in need of residence- and domicile-status-related advice.
• Landlords and Property Investors: Understanding rental income and property sales.
• Business Owners: Our support can be helpful for business owners who want to integrate their business and personal tax. 
• Retirees and Pre-Retirees: Looking for a tax-efficient retirement plan. 
• Self-Employed Individuals and Freelancers: We can help you manage income from different sources. 
• Anyone Facing HMRC Investigations: Requiring robust representation and strategic advice. 
• Families and Estate Planners: Aiming to minimise inheritance tax and preserve wealth for future generations. 

Personal Tax Compliance Services 

Staying compliant with tax regulations is very important. Thus, Apex Accountants ensures you meet all financial obligations. Our personal tax compliance services include: 

• Self-Assessment Tax Returns: Our team can help prepare and file tax returns. We will make sure that it is accurate so you don’t incur any penalties. 

• Tax Audits and Investigations: We provide support in the form of guidance and representation with HMRC audits. 
• UK Tax Compliance for Trustees, Companies, and Individuals: Tax filing obligations are complicated. As UK tax laws are constantly changing, our clients benefit greatly from our continued support navigating them. Our services include preparing tax returns for trustees and non-UK resident companies. We help you with submitting Annual Tax on Enveloped Dwellings (ATED) and voluntary tax disclosures for individuals and trustees. We also make sure you are not liable in any way.   

Personal Tax Technology Integration 

We use modern technology to deliver high-quality services at a reasonable price to our clients. We use different methods to provide our customers with efficient and timely services. People can monitor their tax status, receive important alerts, stay up to date on deadlines, and safely share documents. We aim to equip you with comprehensive knowledge about your tax planning. 

Helping You Do More Than Comply with the Regulations 

At Apex Accountants, we believe tax services should do more than ensure compliance. Identifying tax-saving processes and making long-term financial decisions can add value to your financial planning. In this way, our approach enhances your overall financial well-being. 

UK Personal Tax Planning 

Effective tax planning is vital to retaining more of your hard-earned money. Therefore, Apex Accountants offers comprehensive UK personal tax planning services to optimise your tax position. We believe it is essential to look at our clients’ complete financial picture. Only then can our team provide the personalised strategies that will allow you to achieve your financial goals. Tailoring our strategies to your unique circumstances can allow us to reduce income tax liabilities and plan for greater financial stability. 

Personalised Tax Advisory for Individuals 

Our tax advisory services cover a wide range of issues. We take a personalised approach when working with our clients. Our income tax advisors will first look at your financial picture and personal goals. Whether planning for retirement, managing investments, or dealing with complex tax regulations, we’re here to help. Specifically, our advisory includes 

• Income Tax Advisory: By using allowances and deductions, our team reduces income tax liabilities. We are adept at covering complex income situations, for example, involving multiple income streams or international earnings. 
• Capital Gains Tax (CGT) Planning: We support you with CGT, especially with burying and selling assets. Our services help you defer, reduce, or eliminate your CGT. 
• Inheritance Tax (IHT) Planning: This is an important part of financial planning. Our team provides assistance with IHT, such as advice on trusts, lifetime gifts, and tax-efficient estate planning.

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Call Anytime 0203 883 4777

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Optimising Your Tax Position with Marriage Allowance

If you and your spouse or civil partner are eligible, the Marriage Allowance could provide a valuable opportunity to reduce your tax bill. The Marriage Allowance allows one partner to transfer up to £1,260 of their unused Personal Allowance to their spouse or civil partner, potentially reducing the tax paid by up to £252 per year.

Key Points on Marriage Allowance:

• Eligibility: To qualify, one partner must have an income below the Personal Allowance threshold of £12,570, and the other must be a basic rate taxpayer, earning between £12,571 and £50,270.
  
• Transfer of Allowance: The partner with unused Personal Allowance can transfer up to £1,260 to the other partner, effectively increasing their tax-free income.
  
• Tax Savings: This transfer can reduce the higher-earning partner’s tax bill by up to £252 each tax year.

At Apex Accountants, we specialise in identifying opportunities like the Marriage Allowance that can help you optimise your tax position. Our expert team provides tailored tax advice to ensure you’re taking full advantage of all available allowances and reliefs, helping you minimise your tax liabilities.

Tailored Personal Tax Services for High Net Worth Individuals 

For high-net-worth individuals, we offer modern strategies to safeguard and grow your wealth. This includes: 

• Trusts and Estates: If you need help to initiate a trust and maintain it, then our services are ideal for you. We will make sure your assets are safe and tax efficient. 
• Offshore Assets: We advise and supervise your offshore investments. Such ventures can be optimised to reduce tax. 
• Philanthropy Planning: We assist in creating philanthropic endeavours that are in line with your values while improving your tax benefits. 

At Apex Accountants, we aim to cover all aspects of wealth management. Our goal is that you receive comprehensive support that is in line with your unique financial needs. 

Personal Allowance Tapering for High Earners in the UK Tax System

For high earners in the UK, the standard Personal Allowance of £12,570 reduces gradually as income exceeds £100,000. This process is known as Personal Allowance tapering. Here’s how it works:

• If your income is between £100,000 and £125,140, your personal allowance decreases by £1 for every £2 you earn over the £100,000 threshold.
  
• By the time your income reaches £125,140, your personal allowance is completely phased out, meaning you no longer receive any tax-free income allowance.
  

This tapering effect effectively increases the income tax burden for individuals with incomes above £100,000. It is important for high earners to plan accordingly, as it may impact their overall tax strategy.

At Apex Accountants, we specialise in helping high earners navigate these complexities, ensuring you make informed decisions about your finances and minimise your tax liabilities.

Comprehensive Cross-Border Tax Planning: Pre-Entry and Exit Strategies for Expats and Non-Residents

When relocating to or from the UK, effective tax planning is essential to minimising your tax exposure and ensuring compliance with complex tax laws across multiple jurisdictions. At Apex Accountants, we specialise in cross-border tax planning strategies, providing clear and tailored advice to expatriates and non-residents.

Pre-Entry Tax Planning for Expats Moving to the UK

• Residency and Domicile Status: Understanding your residency and domicile status is the first step. UK tax laws offer certain exemptions or reliefs depending on whether you are considered a resident or non-domiciled (non-dom) individual.
  
• Remittance Basis: If you qualify for non-domiciled status, you may opt for the remittance basis of taxation, which means you only pay UK tax on your UK income and any foreign income or gains that are brought to the UK.
  
• Inheritance Tax (IHT) Planning: Non-doms may benefit from IHT exemptions on foreign assets. It is crucial to understand these rules before making a move, as inheritance tax planning can significantly impact long-term wealth preservation.

Exit Tax Planning for Individuals Leaving the UK

• De-Registration as a Tax Resident: Properly managing your exit from the UK, including ending your tax residency, is essential to avoid unwanted tax liabilities. We assist with the Statutory Residence Test (SRT) to confirm whether you qualify as a non-resident after your move.
  
• Capital Gains Tax (CGT) Considerations: If you have lived in the UK for a significant amount of time, you may be subject to CGT for the sale of assets when leaving. Planning ahead can help mitigate the impact of CGT on your wealth.
  
• Deemed Disposition: The UK tax system may apply a “deemed disposition” of certain assets, which can trigger a tax event. It is vital to address these issues well before leaving the country to reduce tax exposure.

Recent UK Tax Reforms Affecting Expats

• Changes to the Remittance Basis: Recent reforms have made it more difficult for non-domiciled individuals to benefit from the remittance basis. Understanding these changes, including the new £2,000 remittance basis charge, is crucial for expats who may be affected.
  
• Residence-Based Taxation: The UK now has stricter rules for determining tax residency under the Statutory Residence Test (SRT). These changes are particularly relevant for individuals spending significant time outside of the UK but still retaining UK connections.
  

International Tax Compliance and Reporting

• Global Tax Obligations: As an expat or non-resident, you may have tax obligations in both your home country and the UK. We provide guidance on how to navigate these complexities and ensure compliance with international tax treaties, preventing double taxation.
  
• Filing Requirements: International tax reporting requirements, such as the FATCA (Foreign Account Tax Compliance Act) and Common Reporting Standard (CRS), have become increasingly stringent. Our team can assist in ensuring that you meet all required deadlines and stay compliant.
  

Understanding Tax Residency, Citizenship, and Domicile

• Tax Residency: Establishing your tax residency status is essential in determining which country has the right to tax your worldwide income. Factors like time spent in the UK, ties to the country, and employment history are key to your tax residency determination.
  
• Citizenship vs. Domicile: It’s important to differentiate between citizenship, which determines your nationality, and domicile, which affects your tax obligations. Domicile status plays a significant role in whether you qualify for the remittance basis of taxation and how inheritance tax applies to your estate.

Why Choose Apex Accountants?

At Apex Accountants, we offer specialised cross-border tax planning services designed to minimise your tax liabilities and ensure compliance with all international tax requirements. Our expert team has extensive experience in advising expats and non-residents, ensuring smooth transitions and tax-efficient strategies for individuals moving to or from the UK.

Support During Personal Tax Enquiries

Being investigated by HMRC can be stressful. In these circumstances, Apex Accountants support you throughout the process, managing correspondence and negotiations to achieve the best outcome. Thus, our support includes: 

• Expert Representation: We defend your interests successfully during HMRC investigations. 
• Strategic Advice: Our personal tax advisors provide clear guidance on how to respond to HMRC related questions. 
• Comprehensive Support: From initial inquiry to resolution, we offer full support, including evidence gathering, negotiating settlements, and addressing any issues that arise. 

Our goal is to reduce issues, offering expert representation and strategic advice throughout the investigation process. 

Income Tax Advisory Services

Our income tax advisory services can help you navigate the complexities of the UK tax system. We offer tailored advice on: 

• Allowances and Deductions: Many people don’t know what tax allowances they are eligible for. With our help you can reduce your taxable income. 
• Tax-Efficient Investments: We will guide you on tax-efficient investment options like ISAs and pensions
• Complex Income Situations: We will help you manage multiple income streams. If you have international earnings or are self-employed, our team can help you understand your tax responsibilities. 

Our income tax advisors provide tailored tax strategies for non-domiciled individuals living in or relocating to the UK. From setting up excluded property trusts to navigating the Statutory Residence Test (SRT), our services include self-assessment tax returns, inheritance tax planning, remittance advice, and cross-border trust management — helping you protect your wealth and stay compliant with UK tax law. We help you report your income correctly and ensure you are not paying any more tax than you need to. We want to empower you to make decisions for your financial future. 

Get in Touch with Apex Accountants For Expert Personal Tax Services 

Ready to take control of your personal tax affairs? Call Apex Accountants for an initial consultation. Our team in Chigwell, London, will provide quick and professional services that are tailored to your needs. Our personal tax services can help you achieve your financial goals. So, don’t wait—let’s work together to streamline your tax management and safeguard your financial future.