If you’re reading this in late January, chances are your Self-Assessment tax return is still sitting on your to-do list… untouched.
Maybe you planned to deal with it over Christmas.
Maybe work got busy.
Maybe you opened HMRC’s website, felt overwhelmed, and closed it again.
If that sounds familiar, you’re not alone. Every January, we speak to people in exactly the same situation.
And you’re not out of options — but time does matter now.
What You Need to Know Right Now
31 January is the deadline to submit your online Self-Assessment tax return and pay any tax owed. If you’re self-employed, a company director, a landlord, or earning income outside PAYE, this applies to you.
HMRC’s system stays open until 11:59pm on 31 January. Even after that, filing late is still better than not filing at all.
Doing nothing is what causes real problems.
Left It Late? Here’s What Happens Next
If you miss the deadline, HMRC usually charges a £100 late filing penalty, plus interest on unpaid tax. That’s frustrating — but very common, and very fixable.
Late returns happen every year. What matters is dealing with it quickly.
What Can Jermyn & Co Do at the Last Minute?
This is exactly the kind of situation we deal with every January.
At Jermyn & Co, we can:
- Confirm whether you need to file (very quickly)
- Tell you what information is essential — and what can wait
- Prepare and submit your Self-Assessment return to HMRC
- Help even if your records aren’t perfectly organised
- Advise on payment options if you can’t pay the full tax bill immediately
If you’ve left it late, you’re not a problem client — you’re a January client.
What Information Should You Have Ready?
If possible, try to gather:
- Your UTR (Unique Taxpayer Reference)
- National Insurance number
- Details of income (employment, self-employment, rental, dividends)
- A rough idea of expenses
- Last year’s tax return (if you have it)
If you’re missing something, don’t let that stop you from getting in touch. In many cases, we can still move forward.
Who We Can Help
Jermyn & Co provides UK-based accounting and tax support.
We can help:
- UK residents
- UK sole traders, directors, and landlords
- Individuals required to file a UK Self-Assessment tax return
If you are outside the UK tax system, we may not be the right fit — but if your tax affairs are UK-based, we’re happy to help.
The Bottom Line
Leaving your tax return to the last minute doesn’t make you careless — it makes you human.
What matters now is acting before it becomes more stressful (and more expensive) than it needs to be.
Contact Jermyn & Co today for urgent Self-Assessment help.
There’s still time — but not much.