CIS tax refund
CIS deductions take 20% of your labour before expenses, before your personal allowance, before anything — which is why most subcontractors finish the year having overpaid, often substantially. The refund isn't a loophole; it's your own money returning once the real calculation is done with mileage, tools, materials and allowances in it. £1,500–£3,000 is the normal range for a full year.
How we handle it
The process is a Self Assessment return built from your deduction statements and expenses — we chase missing statements from contractors (they're legally obliged to provide them) and reconstruct from bank records where firms have vanished. File in April and the money lands in spring instead of funding HMRC's year. From £99 for CIS-focused returns.
The fixed fees behind this service
| Service | Fixed fee |
|---|---|
| CIS Tax Returns | from £30/mo |
| CIS Registration | £49 |
| Self Assessment Tax Returns | from £129 |
CIS Tax Returns
Construction Industry Scheme refunds and returns for subcontractors and contractors.
- Monthly CIS300 returns filed for contractors
- Subcontractor verification handled
- Annual refund claims for subcontractors — average refunds are substantial
| Subcontractor annual return + refund claim | £149 |
| Contractor monthly CIS returns | £30/mo |
| CIS + payroll bundle | £49/mo |
CIS Registration
Construction Industry Scheme registration — the difference between 20% and 30% off every payment.
- Registered with HMRC as subcontractor, contractor or both — matched to how you actually work
- UTR and business details verified first, so payments match HMRC's records and the right rate applies
- Gross payment status assessed honestly — we tell you if you'd qualify before you pay for the application
| Subcontractor CIS registration | £49 |
| Contractor CIS registration | £69 |
| Both roles (pay and get paid) | £99 |
Self Assessment Tax Returns
Prepared, checked and filed with HMRC — sole traders, landlords, high earners.
- Full SA100 return prepared and filed with HMRC
- All supplementary pages your situation needs — self-employment, property, dividends, CGT
- Your tax liability checked and explained in plain English
| Straightforward return — one income source | £129 |
| With rental property income | £169 |
| With capital gains (property, shares, crypto) | £199 |
Self Assessment Tax Returns — full details, packages and FAQs →
From first message to done
WhatsApp or the form — a few sentences is enough. A real person replies the same working day.
One price for the job, confirmed before anything starts. Complex case? We say so now, not on the invoice.
Photos of documents are fine. We chase whatever's missing — that's part of the job, not yours.
You review everything first; filings go to HMRC or Companies House electronically with same-day confirmation.
Deadlines that apply here
| Date | What happens |
|---|---|
| 19th of each month | CIS300 monthly return due for contractors — £100 penalty per late month |
| 31 Jan 2027 | Subcontractor Self Assessment deadline — where CIS refunds are claimed |
| 5 Oct 2026 | Deadline to register for Self Assessment if you're newly self-employed |
| 31 Oct 2026 | Paper return deadline (almost nobody should be filing on paper) |
| 31 Jan 2027 | Online filing deadline and balancing payment due — miss it and HMRC charges an automatic £100 penalty |
| 31 Jul 2027 | Second payment on account due, if you make them |
Why choose Bohzo Accountants in the UK?
Your fee is agreed before any work starts and never changes mid-job. No hourly billing, ever.
Secure portal and WhatsApp — no office visits, no printing, no waiting rooms.
Bohzo Accountants is a trading name of Bohzo Ltd, Company No. 15031604.
We track every HMRC and Companies House date that applies to you, so you don't have to.
Terms you'll meet along the way
CIS deduction statement
The monthly statement contractors must give subcontractors showing gross pay and tax withheld — the core evidence for refund claims.
Gross payment status
The 0% deduction rate for subcontractors who pass HMRC's turnover and compliance tests — you're paid in full and settle tax through your own returns.
Verification
The check contractors must run with HMRC before first paying any subcontractor, which dictates the deduction rate: 0%, 20% or 30%.
UTR
Your Unique Taxpayer Reference — the 10-digit number HMRC issues when you register for Self Assessment. Lifelong, and needed for every return.
Payments on account
Advance payments toward next year's tax, due 31 January and 31 July, triggered once your bill passes £1,000. The first year they apply effectively bills 150% at once.
SA100
The main Self Assessment return form. Supplementary pages bolt on for employment, self-employment, property, capital gains and foreign income.
Balancing payment
The difference between what your payments on account covered and what the year's tax actually was — settled each 31 January.
CIS tax refund: your questions answered
How big will my refund actually be?
Rough arithmetic: deductions withheld minus true tax on (income minus expenses minus £12,570 personal allowance). A subcontractor on £35,000 gross with £5,000 of legitimate expenses typically sees £1,500–£2,500 back. Two promises: we'll estimate it before you commit, and we never inflate expenses to inflate refunds — that game ends in enquiries.
When does the money arrive?
HMRC generally repays one to four weeks after the return is filed, straight to your bank. The earliest possible filing date is 6 April for the year just ended — our CIS clients file in the first weeks of April as a rhythm, which turns the refund into a reliable spring event rather than a someday.
A contractor never gave me deduction statements — am I stuck?
No. Statements are the clean evidence, but HMRC's own records of what was reported for you, plus your bank receipts showing the 80% payments, rebuild the picture. Vanished or dissolved contractors are a weekly occurrence in this trade; refunds still get paid. Bring what exists and we'll do the archaeology.
How much CIS refund am I owed?
Most subcontractors have 20% deducted at source all year — usually more than their final tax bill once expenses and the personal allowance are counted. Refunds of £1,500–£3,000 are common, claimed through your Self Assessment.
How quickly will my refund arrive?
Once the return is filed, HMRC typically pays CIS refunds within 2–6 weeks. We file promptly after 6 April so the claim is in the queue as early as possible.
What happens if I work without registering?
Contractors must deduct 30% from your payments instead of the registered 20% — a third of your money gone until you claim it back through a tax return, often a year later. Registration protects your cash flow immediately; it's usually confirmed within days.
Am I a contractor or a subcontractor?
Pay others for construction work and you're a contractor, with verification and monthly-return duties. Get paid for construction work and you're a subcontractor. Plenty of firms are both — the combined registration covers it.
What does the £129 fee include?
Preparation and online filing of your full SA100 return, including the supplementary pages your situation needs. If your return is more complex — rental income, capital gains — the packages above show the fixed price, and we confirm it in writing before starting.
I've missed the deadline — can you still help?
Yes. Late returns are common and fixable: we prepare and file the outstanding return quickly, and where there's a reasonable excuse we help you appeal penalties. The sooner it's filed, the sooner the penalties stop growing.
CIS Tax Returns in popular locations
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