Romford and Havering Self Assessment

Who needs to file a tax return in Romford?

The simple answer: if you are self-employed, a landlord, a company director or have untaxed income, you usually need a Self Assessment return.

As a Romford tax return accountant we help builders and tradespeople across Havering, market and town-centre retailers, City commuters from Upminster and Hornchurch with bonuses and investments, and landlords letting houses and flats locally.

We keep things simple, tell you what you owe in advance and make sure you never miss a deadline.

Common reasons HMRC needs a tax return

• You are self-employed or a partner in a business
• You earn rental income over £1,000
• You receive dividends above £500
• You made capital gains above £3,000
• You have foreign income
• You or your partner earn over £60,000 and get Child Benefit
• HMRC sent you a notice to file

Self-employed tax returns in Romford

Tradespeople often have vans, tools and materials to claim, plus CIS deductions to reclaim. We prepare returns that reflect your real profit and maximise any refund. See self-employed accountants and add bookkeeping if you would like records kept for you.

Landlord tax returns in Romford

Havering landlords often let family homes. We prepare clear returns, claim repairs and agent fees and explain the property tax changes coming in April 2027. Mortgage interest relief is a 20% tax credit, rising to 22% from April 2027 when property income gets its own 22%, 42% and 47% rates. More on landlord tax returns; for missed rent, the Let Property Campaign.

Van and vehicle expenses

If you use a van or car for work, you can claim either simplified mileage rates or a business share of actual costs, with capital allowances on the vehicle. The best method depends on your mileage and vehicle cost, and once chosen for a vehicle it usually cannot be changed. We help you choose correctly from the start.

Partnership tax returns

Partnerships, from family shops to professional practices, file a partnership return (SA800) plus each partner’s own return. We prepare both so the profit shares match. See partnership tax returns.

Capital Gains Tax reporting

Gains above the £3,000 annual exempt amount are taxed at 18% or 24%. A UK home you sell that is not your main residence must be reported, with tax paid, within 60 days of completion. Our Capital Gains Tax team handles both returns.

Foreign income reporting

UK residents are usually taxed on worldwide income, with foreign tax credit relief for tax paid abroad. Missed foreign income can be put right through the Worldwide Disclosure Facility.

Crypto tax reporting

Selling, swapping or spending crypto can create a gain, and staking is usually income. We apply HMRC’s pooling rules; see crypto tax returns.

What to send us for your Romford tax return

Most clients only need a few documents. We send a tailored checklist after your first call.

• P60 or payslips from any employment
• Bank statements or invoices for self-employed income
• Receipts for business costs, or a simple spreadsheet
• Rent statements from your letting agent
• Mortgage interest statements for rental properties
• Dividend vouchers and investment statements
• Details of any overseas income and tax paid abroad

Penalties for late filing

What if I miss the deadline? For returns up to 2025/26: £100 immediately, £10 a day after three months (up to £900), then 5% or £300 at six and twelve months. A points-based system applies to everyone from April 2027.

Why Romford clients choose Wingate

• Chartered Certified Accountants and HMRC registered tax agent
• Fixed fees from £150, VAT included
• Experience with landlords, the self-employed, partnerships, investors and overseas income disclosures
• Fast replies by phone, email or WhatsApp
• Also VAT returns, company accounts, payroll, HMRC disclosures and tax investigation support

Looking elsewhere in the capital? See Self Assessment tax returns in London.

Official guidance: Check if you need to send a Self Assessment tax return · Self Assessment deadlines