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Most people arrive with a situation rather than a subject. Pick the one that sounds like yours and you will land on the guides written for it. If you would rather browse by topic, the category filter is directly below.

I have rental income I have not declared
Let Property Campaign disclosures, what HMRC already knows, and how the penalty is worked out.
8 guides
I run a limited company
Salary against dividends, directors loans, benefits in kind, corporation tax and the P11D.
14 guides
HMRC has written to me
Penalties, interest, prompted and voluntary disclosures, and what to do before the clock runs on.
4 guides
Making Tax Digital is coming for me
The £50,000, £30,000 and £20,000 thresholds, quarterly updates and what changes about filing.
5 guides
My business is profitable but short of cash
Thirteen week forecasting, collections, supplier terms and the reporting that drives decisions.
8 guides
I file a self assessment return
What to gather, which expenses are allowable, and the March checklist before 5 April.
3 guides
My books are behind
The habits that keep records straight and stop January turning into a surprise.
2 guides
I want to see what happened to people like me
Real client outcomes: twelve years of undeclared rent disclosed, ten years of returns resolved.
4 case studies

Not sure which of these fits, or is it more tangled than one box? That is normal, and it is what the first call is for. Book a free 15 minute call or ring 029 2002 6505 and talk it through with a qualified accountant.

Desk clock and a stack of paperwork under a lamp on a dark winter morning, counting down to the 31 January tax return deadline

Self Assessment & Personal Tax

The 31 January 2027 Self Assessment Deadline: What To Do and By When

Buhir Rafiq

The 2025 to 2026 return, the balancing payment and the first payment on account are all due by 11:59pm on 31 January 2027. Here is ...

Workshop bench with a laptop, a binder of invoices and a calculator beside hand tools, a sole trader working out what an accountant costs

Self Assessment & Personal Tax

Accountants for Sole Traders: What You Get and What It Costs

Buhir Rafiq

What a sole trader accountant does, the six things that move the fee, and when you are better off filing it yourself. Fixed fee quoted ...

Desk beside a window overlooking a harbourside of brick warehouses and coloured terraced houses, a Bristol self assessment workspace

Self Assessment & Personal Tax

Self Assessment Accountants in Bristol

Buhir Rafiq

Fixed fee Self Assessment returns and sole trader bookkeeping in Bristol, filed as your HMRC agent. Deadline 31 January 2027.

Home office desk by a window looking out over a row of Welsh terraced houses, where a Cardiff self assessment return gets prepared

Self Assessment & Personal Tax

Self Assessment Accountants in Cardiff

Buhir Rafiq

Fixed fee Self Assessment tax returns for Cardiff, filed as your HMRC agent. Welsh taxpayer coding checked first. Deadline 31 January 2027.

Unopened brown envelope and a set of house keys on a kitchen table, the moment a landlord decides to deal with undeclared rental income

HMRC Penalties & Disclosures

Interest on Undeclared Rental Income: Why It Is Now the Biggest Number in Your Disclosure

Buhir Rafiq

HMRC charges interest daily on undeclared rental income from each year's due date. How the figure is built, and why a disclosure without it is ...

Row of UK terraced houses typical of a buy to let portfolio held through a limited company

Landlords & Property Tax

Buy to Let Through a Limited Company: When the Structure Pays For Itself

Buhir Rafiq

A limited company deducts mortgage interest in full before corporation tax, where a personal landlord gets a restricted credit. We set out the entry cost, ...

Heavy panelled door of a British civic building closing, standing for the question of whether the Let Property Campaign will end

HMRC Penalties & Disclosures

Is the Let Property Campaign Closing, and What Happens If It Does

Buhir Rafiq

No closure has been announced anywhere official. What HMRC has actually said, what happened when it closed comparable facilities, and what waiting costs while the ...

Meeting table set for two in a British accountancy office, where a Let Property Campaign disclosure starts

HMRC Penalties & Disclosures

Working With a Let Property Campaign Accountant: What Happens, and What Drives the Cost

Buhir Rafiq

What a disclosure accountant actually does, stage by stage, what makes one case cost more than another, and when a landlord does not need one ...

Tabbed bundle of disclosure papers with a fountain pen, the quality of disclosure HMRC scores when setting a penalty

HMRC Penalties & Disclosures

Mitigating Let Property Campaign Penalties: The Disclosure Quality Factors HMRC Weighs

Buhir Rafiq

HMRC scores telling, helping and giving access to records. What each is worth, how the reduction actually moves you through the range, and why a ...

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Eden Trainor

We recently moved to Cardiff and had questions related to our tax situation. We are very glad to have found Buhir who clearly explained to us how to resolve the issue. Dont hesitate to contact Total Books!

Ashwini Narayan

I received assistance from Buhir at Total Books for my self-assessment tax return, and I couldn't be more satisfied. Buhir was exceptionally patient and clear, guiding me through each step to ensure I fully understood the process and the final calculation. It was exactly the support I needed.

Lucy Bilson

I had the privilege of seeking advice from Mr. Buhir of Total Books Accountants regarding foreign tax matters, and was impressed with his expertise and professionalism. In just 15 minutes, he managed to provide me with invaluable information and guidance.

Valentina Marconi

Got recommened Total Books as I was looking for some limited company accountants. I spoke with Buhir about dissolving a limited company and also some new oppurtunites. He was incredibly helpful, fair and knowledge. Would highly recommend getting in touch!

Harry Davies

Excellent service would highly recommend was able to sort out my limited company accounts my previous accountant couldn't from the first meeting they always kept me updated with what was going on. Thanks Buhir and to the team at Total Books.

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