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Sepera Accounting - Professional Accountants in London

Expert Tax

& Advisory Services

Specialist Tax Services for Individuals, Landlords and Business Owners

Beyond day-to-day compliance, we help individuals, families and business owners plan ahead, protect what they’ve built, and grow with confidence. Below are the specialist services we offer — each backed by over 30 years of combined experience and our professional affiliations with the AAT, ACCA and IFA.

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Our Expert Tax and Advisory Services

Inheritance Tax can take a significant bite out of what you leave behind — but with careful planning, much of it is avoidable. We help you understand exactly where your estate stands today, and put sensible strategies in place to protect it for the people who matter most. This includes lifetime gifting plans, the use of trusts, reviewing eligibility for Business Relief and Agricultural Relief, life policies written into trust, and ensuring your will works alongside your tax position. Whether you’re starting to think about your estate for the first time or you’d like a second opinion on an existing plan, we’ll give you clear, jargon-free advice.

Who it’s for: Homeowners, business owners, landlords and anyone with an estate approaching or above the nil-rate band.

Most people only think about tax once a year, when their return is due. By then, the opportunities to save have usually gone. Our annual tax planning review looks forward, not backward — we sit down with you, understand your income, business and personal goals for the year ahead, and identify ways to structure things more efficiently. That might mean the right mix of salary and dividends, pension contributions, using allowances before they reset, timing a disposal carefully, or considering EIS and SEIS investments. You leave with a clear, practical plan and a realistic view of the tax you’ll pay.

Who it’s for: Company directors, high earners, the self-employed, and families with multiple income sources.

If your business develops new products, improves processes, writes software, or solves technical problems, you may be entitled to a valuable tax credit from HMRC — one that many eligible companies never claim. We handle the full process for you: reviewing your activities, identifying qualifying projects and costs, preparing the technical narrative, and submitting a robust claim that stands up to HMRC scrutiny. Our fee is typically a percentage of the benefit received, so there’s no up-front cost and no risk to you. Most clients are pleasantly surprised by how much they can reclaim.

Who it’s for: Innovative SMEs in technology, engineering, manufacturing, science, and any business solving non-trivial technical challenges.

As your business grows, you start needing the insight a senior finance leader would bring — but not necessarily the cost of a full-time hire. Our Virtual CFO service gives you that strategic support on a monthly basis. We’ll produce meaningful management accounts and KPI dashboards, build cash-flow forecasts and budgets, sit in on board and management meetings, support funding conversations, and help you make confident, numbers-led decisions. Think of us as the finance director on your leadership team – just without the payroll.

Who it’s for: Ambitious SMEs, owner-managed businesses scaling past £500k turnover, and startups preparing to raise or grow.
Selling a second property, a business, shares, or a significant crypto holding can trigger a substantial Capital Gains Tax bill — and in the case of UK residential property, you now have just 60 days to report and pay. We help you plan disposals in advance wherever possible, calculate your gain accurately, apply every relief you’re entitled to (including Business Asset Disposal Relief, Private Residence Relief, and spousal transfers), and file on time. For more complex situations — staggered disposals, deferred consideration, or overseas assets — we provide detailed written advice so you know exactly where you stand.

Who it’s for: Property investors, business owners exiting a company, shareholders, and individuals with crypto or investment portfolios.

The tax landscape for landlords has changed dramatically over the past decade — Section 24 mortgage interest restrictions, increased SDLT surcharges, tighter rules on furnished holiday lets, and the upcoming roll-out of Making Tax Digital for landlords. We specialise in helping property investors navigate all of it. Our services include reviewing whether incorporation is right for your portfolio, SDLT planning, non-resident landlord returns, capital allowances on commercial property, furnished holiday let structuring, and ongoing compliance. We’ll make sure your property business is structured efficiently for the long term.
Who it’s for: Individual landlords, portfolio investors, property developers, and overseas owners of UK property.
Few things are more stressful than an unexpected letter from HMRC. Whether it’s a routine compliance check, a formal enquiry into your return, a Code of Practice 9 investigation, or a voluntary disclosure you’d like to make, we stand beside you from start to finish. We deal directly with HMRC on your behalf, manage all correspondence, prepare the information they need, and negotiate firmly but professionally to bring matters to the best possible close. We also offer a Fee Protection Scheme — an affordable annual subscription that covers our professional fees if you’re ever selected for an enquiry, giving you real peace of mind.
Who it’s for: Anyone facing an HMRC enquiry, wanting to make a voluntary disclosure, or looking to insure against the cost of future investigations.
With deep expertise in both UK and Polish tax systems, we’re ideally placed to help individuals and businesses with interests on both sides. We advise on dual residency and the UK–Poland double tax treaty, Polish landlords with UK properties, UK expats working or retiring in Poland, cross-border inheritance issues, and business owners trading between the two countries. Clients come to us because we understand the cultural context as well as the technical detail — and because we can communicate clearly in both English and Polish.
Who it’s for: Polish nationals living or investing in the UK, British expats in Poland, and businesses with operations in both countries.
Running a limited company brings a steady stream of Companies House and governance obligations that can easily slip through the cracks. We take care of the lot for you: annual confirmation statements, changes to directors and shareholders, share issues and reorganisations, PSC register updates, registered office services, statutory minute-books and resolutions, and drafting simple shareholder agreements. It’s the kind of quiet, behind-the-scenes work that keeps your company properly on the record — and keeps you out of trouble.
Who it’s for: Every limited company — particularly owner-managed businesses without their own in-house legal or admin team.
Selling or handing over a business is one of the biggest financial moments of your life — and the work you do in the two or three years beforehand often makes the single biggest difference to what you walk away with. We help you prepare: valuing the business properly, structuring shareholdings for maximum relief, putting EMI share schemes in place to retain key people, tidying the accounts so they stand up to due diligence, and planning personally for the funds you’ll receive. Whether you’re selling to a trade buyer, a management team, or the next generation of your family, we’ll walk the whole path with you.
Who it’s for: Business owners planning an exit within the next five years, families considering succession, and founders preparing for a sale or MBO.

HMRC now expects full, accurate reporting on crypto activity  and the rules are more involved than most people realise. Every disposal, swap, staking reward, airdrop, DeFi interaction and NFT sale can have tax consequences, and HMRC receives data directly from many exchanges. We reconcile your transaction history across wallets and platforms, calculate your Capital Gains and Income Tax positions correctly using share-pooling rules, and prepare the supporting records you’ll need if HMRC ever asks. For higher-volume investors, we also advise on structuring future activity more efficiently.

sepera accounting cryptocurrency tax returns
Who it’s for: Individual crypto investors, active traders, DeFi and staking participants, and anyone catching up on historical activity.
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