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Who we are.

With over 20 years of experience helping contractors and freelancers get paid, at Unique Payroll, our expert and friendly team understands your time is invaluable. So, when you sign up for our fully compliant umbrella payroll service, you can let us look after your financial affairs, so you can concentrate on your work and the other things in life that are important to you.

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Contractor umbrella company
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We will keep
this simple.

Using an umbrella company is widely accepted as the easiest way to get paid as a contractor or freelancer. Over the years, we’ve learned how to give our clients a service they can rely on, although IR35, HMRC and knowing what benefits you’re entitled to might seem complicated it doesn’t have to be. When you sign up to Unique Payroll, you can sleep easy knowing you’re in safe hands.

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Simple Sign Up

Fill out our quick contact form, and we’ll be in touch shortly to get you started with our umbrella payroll service

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Low Fees

We offer an exceptional and personal umbrella PAYE service and do it for just £17.95. Call us today to find out more

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No Tax Schemes Used

We do things by the book at Unique Payroll. The plain truth is that some umbrella companies promise you higher take-home pay, but are actually using tax avoidance schemes. If you sign up, it could mean facing hefty penalties from HMRC

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Free Insurance

Employers Liability Insurance, Public Liability Insurance, and Professional Indemnity Insurance are all included in our fee, at no extra cost to you (subject to your contract)

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Minimum Admin

All you’ll need to do is submit your timesheets with any allowable expenses and then let us take care of the rest

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Your Taxes Looked After

All taxes are paid on time and in full on your behalf by our umbrella payroll company

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Account Management

You can contact our dedicated payroll specialists with any queries you have by phone or email. We’re always happy to help

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Referral Rewards

You and your friend can each benefit from £50 extra in your pay packet when you recommend them to us. There’s no limit on how many friends you can refer

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Unique Payroll manages and supports multiple sectors.

Contractors &

Our purpose is to process payroll from all of your employment and agency contracts, whilst keeping you tax-efficient and ensuring you are fully compliant with the law. Unique Payroll’s professional and reliable team offers a stress-free sign-up process and total peace of mind when it comes to getting paid on time.


We understand the recruitment industry’s wants and pressures and have worked hard as a team to ensure that we offer a range of services to meet our partners’ needs.

Refer your candidates to us, and we will do the rest!

HR &
Employment Law

HR and employment law is forever changing and can sometimes be draining on your business financially and emotionally. With the services and support we offer, we will make sure you are kept up to date with the latest legislation.

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Calculate my
take-home pay.

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What is a tax scheme and how do I spot them?

Some umbrella companies claim you can keep 80, 90 or 95% of your wages, and whilst there are variations between the promises they make, some of them will be too good to be true. These are known as tax schemes and some that are made by less scrupulous companies, such as:

Promises of a higher take-home pay than can be achieved by legitimate means
Claiming they have found a ‘loophole’.
Stating their strategies as ‘HMRC approved’

HMRC will never endorse such a scheme,
these companies may tell you they are compliant with tax rules but you shouldn’t rely on this. The plain truth is that by using these schemes they involve tax avoidance.

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How do these schemes work?

There are a few varieties, however these are the common ones.

A fraction of your salary is paid through payroll and subject to PAYE the remainder is paid using a loan, credit or investment payment and the company claims this isn’t subject to income tax or National Insurance contributions (this is tax avoidance)

Another option which is more complicated is the payment from your umbrella company is routed through various companies before it comes to you, using offshore accounts.

What happens if I have used a scheme?

Unfortunately, thousands of contractors have been affected by various schemes, If you’re involved in any type of arrangement, or have used one in the past, seek independent professional advice as you’re highly likely to be avoiding tax and you could end up paying additional tax, National Insurance contributions and interest, HMRC may also issue penalties.

Previous users of avoidance schemes were told that their arrangements were HMRC compliant, but later found out, to their cost, this was not true.

cheap umbrella payroll companies
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The latest news
and blog articles.

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Umbrella Payroll Frequently Asked Questions.

How does Unique Payroll Service work as an umbrella company?

As an umbrella company, we will officially become your employer once you have completed our registration process. This includes completing our application form and identity check. Once registration is complete, you will become an employee of Unique Payroll Service and receive your salary by PAYE. The appropriate deductions, including tax and National Insurance Contributions (NIC) will be made on your behalf to HMRC.

Unique Payroll Service will sign a contract with your recruitment agency or main contractor. Your client will pay your recruitment agency their agreed rate, the recruitment agency will then pay Unique Payroll Service and finally, we will pay you your wages (minus deductions).

Am I self-employed when using Unique Payroll Service?

No. Whilst you are contracting through an umbrella company, you will become their employee and will have access to employee benefits.

How often will I be paid by a Unique Payroll Service?

As a contractor working through our umbrella company, you will be paid in accordance to the schedule you have agreed with your recruitment agency.

What will a Unique Payroll Service deduct from my pay?

You will be paid as a Pay As You Earn (PAYE) employee and will have tax and National Insurance Contributions (NICs) deducted from your salary (and paid to HMRC giving you peace of mind), as well as our fee.

What administration will I need to carry out?

Your administration is kept to an absolute minimum. All you’ll need to do is submit your time sheets with any allowable expenses to your agency.

Do I have holiday pay?

Yes, as an employee of Unique Payroll Service, you are entitled to Statutory Annual Leave, which is equal to 5.6 weeks per year. This is equal to 12.07 percent of the hours you have worked and is paid within your weekly/monthly payslip.

What insurances are available?

Unique Payroll Service has Employers’ Liability Insurance, Public Liability Insurance and Professional Indemnity Insurance at no extra cost to you. If your work requires any specialist insurance, you will have to arrange this yourself and a copy of the certificate will need to be provided in your application form.

Can I claim expenses using an umbrella company?

You can still claim travel and subsistence expenses through an umbrella company if:
- You are not subject to supervision, direction or control when carrying out your assignment.
- You are a mobile worker (by definition in accordance to HMRC).

However, from 6 April 2016, HMRC confirmed that contractors working through umbrella companies were no longer able to claim tax relief on travel and subsistence expenses if they were subject to supervision, direction or control. In the eyes of HMRC, this was done to level the playing field and make things fair between full time employees and contractors (because full time employees are unable to claim travel and subsistence expenses).

What does PAYE mean?

PAYE stands for ‘pay as you earn’ – an income tax deducted prior to the receipt of a salary. PAYE has been the primary method of income tax payment for employees since its introduction in 1994, mostly due to its simplification of tax payments – with PAYE, tax is sent to the HMRC by the employer at source. PAYE may also be used for national insurance payments.

PAYE is calculated using your income, taking into account eligibility for personal allowance. Above this allowance, tax will be charged depending on rate. Those on basic rate will be charged 20%, those on a higher rate, 40%, and those on an additional rate, 45%.

What is a BACs payment?

BACS transfers are the preferred method of payment for a range of companies and organisations, commonly used for paying wages, salaries, benefits, pensions, employee expenses, insurance settlements, and tax credits. This method allows for the establishment of regular payments on specified dates – allowing employees flexibility, and, offering a cost-effective payment alternative for the employer, with the average transaction price standing at around 23p.

In the UK, BACS business payments can be made under BACS direct credit and BACS direct debit.

What is an umbrella company?

Umbrella companies provide PAYE payroll services designed to fit the needs of freelancers and contractors. When using PAYE under an umbrella company, the client (contractor/freelancer), will technically become an employee – for example, a freelancer using Unique Payroll’s PAYE services will officially become our employee. The umbrella company will pay this employee, taking into account any deductions such as Income tax, National Insurance Contributions and also any Pension Contributions.

Umbrella companies provide a simple way to be paid as a contractor or freelancer.

How do umbrella companies work?

Upon successful completion of the registration process, the umbrella company will officially become the applicant’s employer. The umbrella company will often require a contract with the employee’s recruitment agency.

Following this process, the employee will receive their salary or wage by PAYE, meaning automatic tax and contribution deductions are made at source. The status of the freelancer or contractor as an employee means they will be entitled to sick pay and holiday pay.

What is IR35?

IR35 is a set of rules, specifically intermediary legislation, that impacts the national insurance contributions of work contracted through intermediaries. An intermediary can be the contractor’s limited company, a service or personal service company, or a partnership.

If IR35 applies to the contractor, the intermediary has to operate PAYE on any salary or wages paid to them during the tax year, helping ensure the application of the correct tax rate. The IR35 may also apply to those contracted through an immediacy who work in the construction industry, hold offices, work with a partner, or work for a charitable organisation, but will not apply to those working for a client through a managed service company, or agency.

Cheap Umbrella Payroll Service
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Unit 3, 47 Knightsdale Road,
Ipswich, Suffolk.

T. 01473 461028
E. contactus@uniquepayroll.co.uk

Feel free to say hello or ask questions about our umbrella payroll service