SJM Consultants offers UK estate agencies an HMRC pre-approved self-employed contractor structure, combined with specialist recruitment, training, and investment support. Their revenue-approved contract model helps agencies convert existing staff and new associates to a self-employed structure - saving around 15% on payroll and freeing up capital for growth.
Employment costs for estate agency staff - employer's NI, pension contributions, holiday pay, sick pay - add significantly to the headline salary figure. Many agencies are unaware that an HMRC-approved self-employed contractor structure exists specifically for the property sector that can legally reduce these costs.
Adding headcount in estate agency is expensive when every salary comes with 25-30% additional employment costs on top. The SJM self-employed contractor model reduces these costs significantly without reducing team size or capability.
SJM Consultants provides an HMRC pre-approved contract specifically designed for the property sector. The legal structure is fully compliant and has been approved directly with HMRC - removing the compliance risk from self-employed arrangements.
Agencies that free up payroll capital through the SJM model consistently reinvest in training, recruitment, and technology. The saving makes growth investment possible that would otherwise require external funding.
Previous self-employed arrangements in estate agency have sometimes been challenged by HMRC. SJM's model uses a pre-approved contract that has been directly reviewed and agreed with HMRC - giving agencies the confidence to implement without compliance risk.
SJM Consultants combines an HMRC-approved contract structure with recruitment support, training services, and ongoing compliance management - providing a complete solution rather than just a document.
SJM provides an HMRC pre-approved contract for services specifically designed for the UK property sector. The contract structure has been reviewed and agreed with HMRC, providing agencies with a fully compliant basis for self-employed arrangements.
The SJM structure can be used for both existing employed team members who want to move to a self-employed model and new associates joining on a self-employed basis. The transition is managed to ensure all parties understand the arrangement.
Agencies moving appropriate team members onto the SJM self-employed contract structure typically save around 15% on payroll costs for those individuals - through reduced employer NI, pension contributions, and other employment overhead.
The TMS group handles all aspects of the paperwork and contracts. Monthly calls ensure all parties are across their responsibilities. Full access to a team of tax experts and compliance officers is included.
SJM works alongside Crux Careers to provide recruitment support for agencies looking to grow their self-employed team. A selection of payment options for businesses looking to recruit is available.
For self-employed associates, the TMS group provides support with bookkeeping, self-assessment tax returns, and ongoing accounting requirements - making the self-employed structure practical and manageable for individuals who are not accountants.
Setup and onboarding with SJM Consultants takes around one week. The process is managed by the TMS group, requiring minimal effort from the agency.
SJM Consultants reviews your current team structure, payroll costs, and growth plans to determine the most appropriate application of the self-employed model for your specific agency.
The TMS group prepares the HMRC pre-approved contract documentation for each individual moving onto the self-employed structure. All paperwork is handled by the TMS compliance team.
Existing team members and new associates are briefed on the self-employed structure - their responsibilities, the benefits, and what changes from a practical day-to-day perspective.
The structure goes live. Monthly calls with the TMS compliance team ensure all parties remain across their responsibilities. Tax expert access is available for any queries.
The payroll saving begins from the first month under the new structure. SJM can advise on how to deploy the freed-up capital in training, technology, or recruitment for maximum growth impact.
SJM Consultants works with estate agencies of all sizes across the UK and beyond. Kerfuffle members get a direct conversation to review the potential payroll saving for their specific team structure.
Standard route
Off-the-shelf pricing
Your terms, reviewed before you sign
SJM Consultants charges a monthly licence fee. The typical payroll saving of around 15% for covered employees substantially offsets and exceeds this cost. Kerfuffle members get a full cost-benefit analysis before committing.
SJM Consultants's full Kerfuffle profile has 2 verified agent reviews, awards history, and supplier overview. Open in a new tab - your place on this page is saved.
Already a Kerfuffle member? Write a review of SJM Consultants →
A conversation covering the HMRC-approved contract structure, how the transition works for existing staff and new associates, what the typical payroll saving looks like, and how the TMS group manages ongoing compliance.
SJM Consultants gave us a structure that was HMRC-approved and genuinely reduced our payroll costs. The TMS group handles all the compliance and tax support for our associates. The capital we freed up went straight into technology and training. It is the best structural decision we have made in the last three years.Managing Director, multi-branch agency South East England
SJM Consultants has over ten years of experience helping UK estate agencies implement HMRC-approved self-employed contractor structures. Working through the TMS group and alongside Crux Careers, they provide a complete solution that covers the legal structure, compliance management, recruitment support, and individual associate accounting services that make the self-employed model practical and profitable.
SJM Consultants is featured on Compare The PropTech alongside hundreds of other UK proptech suppliers. Kerfuffle members can view verified reviews, compare suppliers, and see which tools qualify for PropTech That Pays Back - the initiative that rewards estate agents with kredits for the tools they actually use.
One conversation to review your payroll structure. One week to implement the change. Measurable saving from month one.
Want to talk through how SJM Consultants would work for your team?
Grab fifteen minutes with the Kerfuffle team. We will walk you through the member offer, answer your questions, and figure out the best fit for your agency.
Book a Zoom with Kerfuffle →