UA Tax
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Accountancy with tax expertise built in.

UA Tax provides accountancy, tax compliance and specialist tax advice for business owners, landlords, individuals and families. Whether we are preparing your accounts or advising on a restructuring, we start with the whole picture rather than each issue in isolation.

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Three people discussing documents beside a laptop in a bright office
  • FCCA & CTA expertise
  • Experience at BDO & KPMG
  • Responses in hours, not days
  • Fees agreed upfront
ACCA Chartered Tax Advisers
Credentials

Chartered Certified Accountants & Chartered Tax Advisers

Good accountancy and good tax advice should work together. Our work combines the financial understanding of Chartered Certified Accountants with specialist tax expertise led by a Chartered Tax Adviser, so the numbers and the tax inform each other.

That combination allows us to look after clients’ ongoing accounts and tax affairs, identify issues and opportunities as they arise, and provide more detailed advice when circumstances require it.

Who we help

We work with business owners, landlords, individuals and families whose accounting and tax affairs need to be considered together.

Whether we are looking after your ongoing accounts and tax position or advising on a specific transaction or tax issue, we start by understanding your circumstances and what you are planning.

  • Business Owners

    We look after the accounts and tax affairs of owner-managed businesses while helping their owners make informed decisions about profits, remuneration, business structure, growth and long-term plans.

    Services for Business Owners

  • Landlords & Property Investors

    We prepare property accounts and tax returns and advise landlords on the tax decisions that arise as portfolios develop.

    Services for Landlords

  • Individuals

    We look after the personal tax affairs of professionals, higher earners, company directors, investors and individuals with more complex UK or international circumstances.

    Personal Tax Services

  • Estate Planning

    We advise individuals and families on inheritance tax, lifetime gifting, trusts, succession and the tax implications of passing property, businesses and other wealth to the next generation.

    Estate Planning Services
Our approach

Accountancy that helps you plan ahead.

Your accounts should do more than satisfy Companies House or HMRC.

They help us understand performance, profits, cash and how money is being taken out, so we can identify questions about remuneration, business structure, investment and longer-term plans.

The same principle applies to landlords and individuals. Rental profits, investment gains, overseas income, property ownership and business interests are easier to address when viewed together. Because we understand the underlying position, we can raise issues in context rather than waiting for a transaction or deadline to force the question.

Business owners

Accounting, reporting and tax for your company, and for you as its owner.

For an owner-managed business, the company and the owner are closely connected.

The level of profit affects how much can be extracted. The way profits are taken affects personal tax. Investment decisions can affect the company’s future structure. Changes in ownership can influence succession and an eventual sale.

That is why we look at the business and the owner’s position together.

Accounts, Management Reporting & Tax

Annual accounts, corporation tax returns, VAT, bookkeeping, payroll and Making Tax Digital, together with management accounts, cash-flow reporting and regular financial reviews.

Good financial information should help you make decisions, not simply meet filing deadlines. We help you understand profitability, cash flow and the financial position of the business through the year, while keeping the accounting and tax compliance on track.

Profit Extraction & Owner Tax Planning

Advice on salary, dividends, pension contributions, benefits, retained profits and other ways of taking value from the business.

The right approach depends on both the company’s position and your personal circumstances.

Business Structure & Shareholders

Advice on holding companies, group structures, shareholder changes, family and employee shareholdings, growth shares and business reorganisations.

Business Sales & Succession

Planning ahead of a sale, ownership transition or succession, including transaction structure, available reliefs and steps that may need to be taken well before the event.

Company accountancy from £150 per month

Our packages are tailored to your business and can grow with you as your accounting, reporting and tax requirements become more complex.

Free guide

The Business Owner’s Year-Round Accounts & Tax Checklist

12 practical checks for owner-managed companies that want better financial information and fewer surprises at year end.

Read the complete checklist online and use it to prepare questions for your accountant, tax adviser or management team.

View the free checklist

No email sign-up is required.

Explore Services for Business Owners
Landlords & property investors

Accounts, tax and advice throughout the life of your property portfolio.

Property tax is not a single transaction.

How a property is purchased affects how rental profits are taxed. Financing affects annual tax liabilities. Ownership structure affects future disposals. Incorporation can create CGT and SDLT issues. Ultimately, property may also form a significant part of the family’s estate.

We therefore combine ongoing landlord accounting and tax work with advice on the decisions that arise as a portfolio develops.

  1. Buy

    SDLT and advice on whether property should be owned personally, jointly, through a partnership or through a company.

  2. Let

    Property accounts, Self Assessment or company tax returns, Making Tax Digital for Income Tax, finance costs, jointly owned property and non-resident landlord matters.

  3. Review

    As a portfolio grows, we can review the tax position, ownership structure and the tax impact of financing, and whether the current arrangement remains appropriate.

  4. Restructure

    Property incorporation, partnerships, transfers between spouses or family members and other changes in ownership.

  5. Sell

    Capital gains tax, Private Residence Relief and planning before property is sold or transferred.

  6. Pass On

    Inheritance tax, lifetime gifting, trusts and succession planning for property wealth.

If rental income has not been declared in the past, we can also help you bring the position up to date with HMRC, including through the Let Property Campaign where appropriate.

Explore Services for Landlords
Individuals

Personal tax returns, and the advice that should sit behind them.

We look after the personal tax affairs of professionals, higher earners, company directors, investors and individuals whose circumstances have become more complex.

For some clients, that means preparing the annual Self Assessment tax return and making sure everything is reported correctly. For others, it means looking ahead at income, investments, disposals or changes in personal circumstances and advising on the tax position before decisions are made.

Because we understand your affairs as a whole, the tax return becomes part of an ongoing relationship rather than simply an annual filing exercise.

Personal tax services from £400

Fees reflect the complexity of your affairs and the level of support required.

Explore Personal Tax Services

Personal Tax Returns

Preparation of Self Assessment tax returns, including more complex returns involving multiple income sources, investments and other personal tax matters.

Tax Planning for Higher Earners & Directors

Advice on income, allowances, pensions, remuneration and other tax considerations for professionals, business owners and company directors.

Capital Gains & Investments

Advice on the tax consequences of selling or transferring shares, investments and other assets, including planning before significant disposals.

International & Residence Matters

Advice for individuals with foreign income or gains, overseas assets, international employment, or who are moving to or from the UK.

HMRC Enquiries & Disclosures

Support where HMRC has opened an enquiry or compliance check, or where historic tax affairs need to be corrected.

Estate planning

Planning how family wealth passes to the next generation.

Estate planning may form part of an ongoing relationship with us or begin as a standalone piece of advice. Either way, we begin by understanding what you own, who you want to benefit and the tax consequences of the available options.

A successful company, growing property portfolio, investment wealth or accumulated savings can gradually create an inheritance tax exposure and raise questions about how assets should ultimately pass to children or other family members.

We help clients understand that position and consider appropriate planning while there is still time to make considered decisions.

Inheritance Tax Planning

Understanding your current inheritance tax exposure and identifying practical planning opportunities based on your assets and family circumstances.

Lifetime Gifting

Advice on gifts to children and other family members, including the inheritance tax and capital gains tax consequences.

Trusts & Family Wealth

Tax advice on trusts, family wealth structures and the ongoing tax implications of arrangements already in place.

Business & Property Succession

Planning for the future ownership of family companies, property portfolios and other significant assets.

Estate Tax

Inheritance tax reporting, tax during the administration of an estate and support for executors with the tax aspects of an estate.

Estate planning is not simply about reducing an inheritance tax calculation. It must also take account of control, access to income and capital, family circumstances and the consequences of transferring assets during lifetime.

Where legal documents or investment advice are required, we work alongside solicitors and financial advisers so that each aspect is handled by the appropriate professional.

Explore Estate Planning Services
Specialist tax advice

When specialist tax advice makes the biggest difference

We provide specialist tax advice both as part of ongoing client relationships and on a standalone basis, including where you already have an accountant.

These matters often arise at a point of change, when there is still time to compare the options and influence the outcome.

You are restructuring or selling a business.

Share sales, asset sales, holding companies, share exchanges and reorganisations each carry different tax consequences. The structure is best settled before heads of terms are agreed.

You are considering incorporating or restructuring property.

Incorporation suits some portfolios and is expensive for others. The answer depends on capital gains tax, SDLT, finance, future profit extraction and your longer-term plans.

You are selling or transferring significant assets.

Property, shares and business assets can carry substantial capital gains tax consequences. The timing and structure of a disposal, and the reliefs available, are best considered before it takes place.

You are moving to or from the UK.

Tax residence, split-year treatment, foreign income and gains, and the timing of transactions can materially change the UK tax position.

You are planning gifts, succession or inheritance.

Whether wealth is held in a business, property or investments, succession planning generally works best over years rather than months.

HMRC has opened an enquiry, or you need to make a disclosure.

We review the technical position, deal with HMRC on your behalf and work towards resolving the matter.

Specialist advisory work is quoted in advance based on the scope and complexity of the work. For a defined tax question or decision, you can also book a dedicated £300 consultation with a Chartered Tax Adviser.

Book a Tax Consultation
Why UA Tax

Why clients choose UA Tax

Accountancy & tax expertise together

We look after ongoing accounts and tax affairs while also advising on significant decisions and transactions. The same joined-up thinking applies whether we act as your accountant or are instructed for a specific tax matter.

Direct access to qualified advisers

When a tax matter becomes more complex, you have access to experienced, professionally qualified advisers who understand your circumstances rather than simply the immediate question.

Proactive advice

For ongoing clients, we aim to raise relevant tax issues and planning opportunities as they arise rather than waiting until a transaction has already happened or a deadline is approaching.

Clear recommendations

We explain what we recommend, why we recommend it and the tax and practical consequences. Where an option carries unnecessary complexity or risk, we will tell you.

Clear scope and fees

Before substantive work begins, we agree what we will do and the fee for the work, so you know what is included and what it will cost.

Responses in hours, not days

Good advice is less useful when you cannot reach your accountant. During the working week, we aim to answer client queries within hours rather than leaving them for days, and you have a named contact who knows your affairs.

Case studies

See how we help clients in practice

Our work ranges from ongoing accounting and financial reporting to significant restructuring, property and succession decisions. Here are some examples of how we have helped clients in practice.

Owner-managed business restructuring

Separating investment activity from trading risk

A successful trading company had accumulated substantial cash reserves. The owner wanted to keep future investment activity separate from the operating business and reduce the concentration of surplus funds within the trading company.

Outcome: A new group structure separated the trading and investment activities. The reorganisation was implemented using the relevant tax provisions so that no immediate tax charge arose from the restructuring.

How we helped

We advised on introducing a new holding company above the existing trading company and establishing a separate investment company within the group. The restructuring was designed around the relevant tax reorganisation provisions, and HMRC clearance was obtained in advance in relation to the proposed transaction.

VC-backed technology company

Management accounts and cash-flow reporting for better financial visibility

A technology start-up had raised pre-seed and seed funding and needed more timely financial information than annual accounts alone could provide.

Outcome: Monthly management accounts and cash-flow reporting gave the founders clearer visibility over performance, expenditure, available cash and runway, helping them assess when further funding might be required.

How we helped

We introduced a monthly reporting process focused on the information the founders needed to run the business, including financial performance, cash movements and funding runway. This gave the management team a more current basis for operational and fundraising decisions.

Family property succession planning

Planning for future growth across a £6m+ property portfolio

We advised a family-owned property company with a portfolio valued in excess of £6 million. The family wanted to begin passing future growth to the next generation while retaining an appropriate level of control.

Outcome: A long-term succession framework was established to pass future growth to the next generation while addressing inheritance tax exposure, control and the family’s wider succession objectives.

How we helped

We advised on reorganising part of the parents’ existing shareholdings into freeze shares, issuing growth shares for the next generation and using trusts where appropriate to support the family’s longer-term objectives. The planning considered inheritance tax, capital gains tax, ownership, control and the wider succession consequences of the structure.

Client examples are anonymised and simplified for the website. Tax treatment and outcomes depend on the facts, the law and HMRC practice applicable at the time.

Client reviews

What our clients say

The work we do can involve important financial and personal decisions, so clarity, responsiveness and trust matter.

“The proactive approach, professionalism, courtesy and kindness, of Usman and his Team eased the burden of submitting our annual accounts. This was great value for money and I have no hesitation in recommending them.”

Ahsan KaleemBusiness owner

“Usman has been incredibly helpful, highly recommend him — always easy to speak with and quick to understand complex scenarios.”

Thomas SteerClient

“My end of year self assessment was done professionally and accurately by usman, he took the time to explain every step of the process putting my mind at ease, I would highly recommend UA Tax and look forward to working with Usman again.”

Lee PatientIndividual client

“I recently worked with Usman on UK personal tax matters and found him to be highly knowledgeable and professional. His strong understanding of UK tax regulations and practical approach were evident throughout our engagement. He provided clear, timely, and valuable guidance, making the process much easier to navigate.”

Aijaz AliPersonal tax client
Selected Google reviews
Our team

The people who look after your affairs

Our team brings together ongoing accountancy and tax compliance with specialist tax advisory expertise.

You will know who is responsible for your work and have access to the right adviser when a more technical issue arises.

Usman Azam

Usman Azam FCCA CTA

Founder & Tax Director

Usman is a Chartered Certified Accountant and Chartered Tax Adviser with more than ten years’ experience advising businesses and private clients on UK taxation, including experience at BDO.

He leads UA Tax’s specialist tax advisory work, with particular experience in business restructuring, shareholder taxation, property tax, capital gains tax, international taxation, succession and inheritance tax planning.

His approach is to look beyond the immediate tax calculation and consider how a decision fits into the client’s wider business, financial and family position.

Ahmad Tirmizey

Ahmad Tirmizey FCCA

Accounts Director

Ahmad is a Chartered Certified Accountant with more than 15 years’ experience in accountancy practice in the UK and internationally, including at KPMG.

He leads UA Tax’s accountancy and compliance work for clients in technology, property, professional services and retail, covering annual accounts, corporation tax, VAT, bookkeeping and payroll.

He works closely with owner-managed businesses that are growing, preparing for investment or planning an exit, and shapes the accounting and tax position around those plans.

Meet the Team
How we work

What happens when you get in touch

Get in Touch

  1. Tell us what you need

    Send us a short enquiry or book an initial call. A brief outline of your circumstances is enough to start.

  2. We understand your requirements

    We establish what support you need and whether that involves ongoing accountancy and tax services, a particular piece of advice or a combination of both. If we are not the right firm to help, we will say so.

  3. We agree the work and fee

    Before substantive work begins, we confirm the scope, the expected timetable and the agreed fee in writing.

  4. We take it forward

    For ongoing clients, we complete the necessary onboarding and take responsibility for the agreed accounts and tax work. Where advice is required, we review the relevant issues, explain the available options and provide clear recommendations.

Insights

Tax insights for better decisions

Tax rules change, but the practical question is usually the same: what does this mean for me?

Our Insights section looks at the accounting and tax issues affecting business owners, landlords, individuals and families, with practical commentary on how the rules apply in real situations.

Business structure

When Does a Holding Company Make Sense?

When a holding-company structure can help with accumulated cash, investment activity, business risk, acquisitions and longer-term planning.

View All Insights
Get in touch

How would you like to start?

You do not need to know exactly which service you require before contacting us.

Whether you are looking for an accountant for the years ahead or need advice on a particular issue, choose the route that best suits what you need.

Looking for an accountant or ongoing adviser?

Tell us about your business or tax affairs and we can arrange a short initial conversation to understand your requirements and whether UA Tax is the right firm to help.

The initial call is an introduction rather than a tax advice session.

  • No charge
  • 15 minutes
  • Telephone
Arrange an Initial Call

Need advice on a specific tax issue?

Book a dedicated 60-minute consultation with a Chartered Tax Adviser to discuss a transaction, tax problem or planning decision in detail.

The total booking price is £300. Suitable for business restructuring, property matters, capital gains tax, international tax, inheritance tax and other situations where you need substantive professional advice. A reasonable meeting overrun is not charged extra.

  • £300 total
  • 60 minutes
  • Microsoft Teams
Book a Tax Consultation

Prefer to contact us directly?

Monday to Friday, 9am to 5pm

Start a conversation with UA Tax

Choose the route that best matches what you need. We normally respond to emails within hours during the working week.

Written enquiry

Email the team

Include your name, telephone number, the area of help, the relevant people or entities and any deadline we should know about.

Email info@uatax.co.uk
Choose a time

Book the right conversation

Arrange a complimentary 15-minute initial call about a potential ongoing relationship, or a paid 60-minute consultation for substantive tax advice.

Initial CallTax Consultation

Please do not send confidential tax, identity, banking or legal records by ordinary email. Once we understand the matter, we will confirm an appropriate secure route for documents. See our Privacy Policy.

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Frequently asked questions

Can UA Tax replace my existing accountant?

Yes. Once you appoint us, we can deal with the professional handover from your existing accountant and complete the necessary onboarding and HMRC authorisations. The aim is to make the transition as straightforward as possible.

Can you advise me if I already have an accountant?

Yes. You can come to us for a specific transaction, planning decision or HMRC matter while keeping your existing accountant, and we can work alongside them where that helps.

What is the difference between an initial call and a tax consultation?

The initial call is a complimentary 15-minute introduction: we find out what you need and whether we are the right firm to help, but do not give substantive tax advice. The £300 tax consultation is a focused 60-minute meeting with a Chartered Tax Adviser about a specific matter. A reasonable meeting overrun is not charged extra.

Can you look after both my company and my personal tax affairs?

Yes. This is one of the main advantages of bringing accountancy and tax advice together. We can look after the company’s accounts and tax compliance while also considering the tax position of its directors and shareholders.

Do you provide management accounts and cash-flow reporting?

Yes. Alongside the annual accounts and tax work we provide management accounts, cash-flow reporting and regular financial reviews, so you can see how the business is performing during the year rather than months after it has ended.

My tax affairs are behind. Can you help?

Yes. We deal with late returns, undeclared income and disclosures to HMRC, including the Let Property Campaign for landlords, and we act for clients where HMRC has already opened an enquiry. It is almost always better to come forward than to wait to be asked.

How are your fees set?

We agree the fee before any substantive work begins, once we understand the scope. Company accountancy starts from £150 per month and personal tax services from £400, with the final figure depending on the complexity of your affairs. Specialist advisory work is quoted separately according to scope and complexity.

Do you work with clients outside London?

Yes. We work with clients across the UK and much of our work can be handled remotely. Meetings and tax consultations can be held through Microsoft Teams.

Still have a question? Tell us what you need and we will come back to you.

Get in Touch