Contractor Help

We stand for something different

Whether you are completely new to contracting or a seasoned pro looking for a new payroll provider you should consider Ginger Tree Payroll. We stand for something different. We are constantly looking for new ways to support you and your lifestyle and that benefit the communities in which you work.

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ContractorSpecialists

Umbrella

A fully employed solution with a host of benefits and is one of the most common choices for the modern contractor.

CIS

Sole Trader

A self employed solution for those in Construction

How it works?

We charge a fixed, fair market margin for our services which are delivered by our dedicated UK account team who are always on hand. Our work is done in the background coordinating admin tasks to get you paid compliantly and on-time so you can focus on your assignment.

Collecting funds from the agencies you work with

Deducting the correct tax and National Insurance contributions

Processing of any statutory benefits such as holidays/ maternity/ paternity

Processing pensions via your chosen method

What contractor solution is right for me?

A fully employed solution with a host of benefits and is one of the most common choices for the modern contractor

An umbrella company acts as your employer and enables you to transition between agencies and assignments. This ensures Tax and NI is dealt with, provides you access to a range of benefits and rewards, means you are always fully insured for the work you do and is recognised as continuous employment when applying for things like a mortgage.

Insurance

One of the key features of working through GTP is that you benefit from a level of insurance cover that would be expensive to acquire if you were to purchase it individually.

The 3 main insurances that are relevant to you are:

  1. Professional Indemnity – cover if you make a mistake on assignment
  2. Public Liability – cover if you damage something on site
  3. Personal Accident cover – cover if you have an accident either commuting to or on site

Some of the important services GingerTree Payroll provide their employees:

We will deal with the majority of the admin tasks associated with getting you paid, on time and compliantly

Collecting funds due to you from agencies/clients

We are responsible for deducting the correct tax and National Insurance contributions

Access to Contractor specialist Mortgageable advisors

Mortgageable

Fixed price margins so no surprises

Process pensions via your chosen method of Workplace pension or salary sacrifice

Dedicated UK based support and payroll teams

Processing of any statutory benefits such as holidays/ maternity/ paternity

Wellbeing package including but not limited to:

Counselling services

Get Active Guide

Wellbeing Library

Umbrella FAQ's

An umbrella company acts as a third party employer for contractors to enable them to move between agencies and assignments but maintain continual employment and associated benefits. This gives them the flexibility of contracting but also the benefits of employment e.g. when applying for a mortgage or finance. The Umbrella fully insures the Contractor and deals with all aspects of contracts, invoicing, cash collection, payroll and pensions.

Employers NI is a deduction which is made from the Assignment/Pay rate that each Contractor negotiates with their Client/Agency.

All Employers, including GTP are obliged to make the deduction and pay it straight to HMRC at the current rate of 13.8%.

Depending on the requirements of the Agency you are working with you may need to send us a copy of your timesheet but don’t worry – we will let you know if that is the case.

One of the key features of working through an GTP is that Contractors benefit from a level of insurance cover that would be expensive to acquire if you were to purchase it individually.

The 3 main insurances that are relevant are:

  1. Professional Indemnity – cover if you make a mistake on assignment
  2. Public Liability – cover if you damage something on site
  3. Personal Accident – cover if you have an accident either commuting to or on site

An Umbrella Company’s Margin is an amount retained each week/ month from the funds it receives from an agency or client on behalf of a Contractor.

This margin used to cover GTP’s own costs to run the business as well as providing things like contractor insurances and also to pay for other costs such as SSP.

You will always be told what the margin is before you start an assignment and it will be fixed for that contract.

A self employed solution for those in Construction

Subject to certain checks, you will become a Sole trader and work under the Construction Industry Scheme (CIS). Typically this means 20% tax will be deducted from each payment as an advance contribution to your annual PAYE and National Insurance bill. Ginger Tree’s margin will also be deducted and that covers dedicated support and comprehensive insurance. At the end of the financial year you will need to complete a tax return which will potentially allow you to claim some of that tax back.

Sync & Mortgagability

Insurance

One of the key features of working through GTP is that you benefit from a level of insurance cover that would be expensive to acquire if you were to purchase it individually.

The 3 main insurances that are relevant to you are:

  1. Professional Indemnity – cover if you make a mistake on assignment
  2. Public Liability – cover if you damage something on site
  3. Personal Accident cover – cover if you have an accident either commuting to or on site

Under Contractor help – CIS – Services we offer:

We will deal with the majority of the admin tasks associated with getting you paid, on time and compliantly

We are responsible for deducting the correct deductions under CIS

Fixed price margins so no surprises

Collecting funds due to you from the agencies/clients you work with

Dedicated UK based support and payroll teams

Wellbeing package including but not limited to:

Counselling services

Get Active Guide

Wellbeing Library

CIS FAQ's

Self employment within the construction industry means you can apply to be paid through The Construction industry scheme (CIS) This means You will be self-employed and enjoy the flexibility of being a sole trader.

20%

20% tax will be deducted from your payments as an advance contribution to your annual PAYE and National Insurance bill.

Ginger Tree’s fair market value margin will also be deducted and that covers dedicated support and comprehensive insurance. At the end of the financial year you will need to complete a tax return which will potentially allow you to claim some of that tax back.

Depending on the requirements of the Agency you are working with you may need to send us a copy of your timesheet but don’t worry – we will let you know if that is the case.

The contractor margin is the amount an umbrella retains each week/ month from the funds it receives from an agency or client.

A margin is agreed in advance with the agency or client. This will be disclosed to a contractor when they first speak to an umbrella company and illustrations based on your individual pay will be calculated for you.

There are no additional fees/ margin charged to either the agency or the contractor.

The margin received by the umbrella company is used to cover its own costs to run the business aswell as providing contractor insurances and also to pay for other costs such.

Yes you are covered by certain insurances taken our by Ginger Tree Payroll listed below.

Certificates are linked below for you to review.

  • Professional indemnity, Public liability & Employers liability insurance, as standard

Personal Accident insurance can be added

Got a question? Ask below...

GTP is obliged to withhold an amount of money from any payments it makes to its subcontractors. Typically this is 20% if the subcontractor has a verified UTR Number or 30% if not.

The deduction is paid straight to HMRC and is in effect a pre-payment of the Subcontractors tax bill for the year. At the end of the financial year the subcontractor will need to complete a tax return which will potentially generate a rebate to them.

GTP is obliged to withhold an amount of money from any payments it makes to its subcontractors. Typically this is 20% if the subcontractor has a verified UTR Number or 30% if not.

The deduction is paid straight to HMRC and is in effect a pre-payment of the Subcontractors tax bill for the year. At the end of the financial year the subcontractor will need to complete a tax return which will potentially generate a rebate to them.

CIS FAQ's

Self employment within the construction industry means you can apply to be paid through The Construction industry scheme (CIS) This means You will be self-employed and enjoy the flexibility of being a sole trader.

Depending on the requirements of the Agency you are working with you may need to send us a copy of your timesheet but don’t worry – we will let you know if that is the case.

Yes you are covered by certain insurances taken our by Ginger Tree Payroll listed below.

Certificates are linked below for you to review.

  • Professional indemnity, Public liability & Employers liability insurance, as standard

Personal Accident insurance can be added

GTP is obliged to withhold an amount of money from any payments it makes to its subcontractors. Typically this is 20% if the subcontractor has a verified UTR Number or 30% if not.

The deduction is paid straight to HMRC and is in effect a pre-payment of the Subcontractors tax bill for the year. At the end of the financial year the subcontractor will need to complete a tax return which will potentially generate a rebate to them.

The contractor margin is the amount an umbrella retains each week/ month from the funds it receives from an agency or client.
A margin is agreed in advance with the agency or client. This will be disclosed to a contractor when they first speak to an umbrella company and illustrations based on your individual pay will be calculated for you.
There are no additional fees/ margin charged to either the agency or the contractor.
The margin received by the umbrella company is used to cover its own costs to run the business as well as providing contractor insurances and also to pay for other costs such.

The Company’s Margin is an amount retained each week/ month from the funds it receives from an agency or client on behalf of a Contractor.

This margin used to cover GTP’s own costs to run the business as well as providing things like contractor insurances and also to pay for other costs such as SSP.

You will always be told what the margin is before you start an assignment and it will be fixed for that contract.

"Our primary responsibility is to you, our contractors. We strive to make sure everything we do is high quality and the products and services we provide help increase your odds of success. It goes without saying we will pay you promptly, compliantly and accurately, but we will also support you with benefits and incentives that promote wellbeing and help you fulfil your personal, family and community responsibilities."

Ashley McClure, Founder

Ginger Tree Payroll