UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Wondering why your mortgage is dropping but your practice loan feels stubborn? We pull back the curtain on how commercial borrowing really works for dentists and why the base rate is only half the story. With Kevin Saunders, we map the moving parts—Bank of England base, lender margin, fix lengths, and term—so you can shape repayments that protect cash flow rather than chase a headline APR.

We start by translating the rate rollercoaster of recent years into practical choices for owners. Commercial loans are priced as base plus margin, and margins have become more competitive, often around or below 2% over base. From there we dive into the big fork in the road: fixed versus variable. Unlike mortgages, fixed commercial rates are about budget certainty, not automatic cheapness, and they’re set against the market’s view of future base. We talk candidly about break charges, why five years can feel long in business, and when a variable rate may make sense if cuts continue.

Then we compare goodwill, property, and equipment finance. Asset finance often acts like a flat, pre‑calculated cost, decoupled from base—ideal for chairs and scanners when you want simplicity. For goodwill and property, term length becomes a powerful lever. Extending from 15 to 20 or 25 years can drop monthly payments more than shaving a few basis points off the rate, which matters most in the fragile start‑up or post‑acquisition window. We run a simple example on a £500,000 loan to show how a 0.25% cut saves roughly £67 a month, useful but smaller than many expect. We also clarify tax: interest is deductible in both company and sole trader structures, but capital repayments are not, so prioritising mortgage pay‑down over commercial principal can be smarter.

By the end, you’ll know how to compare fixes and variables side by side, stress‑test your repayments, and pick a structure that buys you peace of mind without boxing you into costly break fees. If you’re planning a purchase or thinking about refinancing, this is the timely, practical guide you need to make clear, confident decisions. Enjoy the conversation, and if it helps, share it with a colleague who’s weighing their options.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Want a clear read on where dental practice sales are heading in 2026? We pull the market apart with hard data and lived deal flow: why lenders are back competing, how deposit requirements and margins over base have shifted, and what that means for first‑time buyers who were frozen out when stress tests sat at 9 percent. The short version: activity is strong, but the edge now comes from clean operations, bankable income, and smarter deal structures rather than chasing the highest multiple.

We unpack the corporate reset and the rise of microconsolidators. Many large groups paused to protect EBITDA and trim head office cost under inflation pressure and softer private demand. In their wake, tier‑three and tier‑four buyers with lighter structures and cheaper debt have moved fast, often winning not on price but on certainty: more cash on completion, fewer strings, and realistic transition expectations. If you’re selling, we show how net proceeds after CGT, risk, and deferred hurdles can make a slightly lower headline number the better outcome.

On the valuation front, NHS and mixed practices are regaining heat with recruitment stabilising in major cities and UDA tweaks improving deliverability. Private remains attractive, but associate percentages, lab costs, and marketing spend demand tighter control. We dive into the emerging shift in associate remuneration—transparent lab splits, sliding scales tied to value, and fair cost sharing—to protect margins without endless patient fee hikes. We also flag a key policy watch: potential curbs on non‑competes that could change how goodwill is protected, pushing owners to build moats through brand, patient plans, and clinician engagement.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Mortgages don’t need to be mysterious, and they shouldn’t drain your future. We dive straight into the choices that matter for dentists: when a fixed rate buys peace of mind, how trackers and discount products fit different risk profiles, and why the old “just find the lowest rate” approach often leaves money on the table. Along the way, we look at how AI is changing the mortgage process and what remains uniquely human: a thoughtful conversation about goals, cash flow and the life you want your home to support.

The standout topic is the offset mortgage. By linking a savings account to your home loan, every pound you park reduces the interest charged on your balance, with savings calculated daily and effectively tax-free. That means your salary, renovation funds or even a short-term reserve can work harder while staying liquid. Use it as a live buffer when paying builders, sweep surplus income into it each month and withdraw as needed. The result is often lower monthly costs, a shorter term and a stronger sense of control. For the right borrower, this can outperform many cash products without sacrificing flexibility.

We also tackle interest-only lending with clear eyes. Yes, it still has a place, but only with robust criteria and a credible repayment plan. Too many borrowers reach later life with big balances and few options, which is why part-and-part structures can be a smarter middle ground. With remortgages set to surge, we explain how to weigh product fees, early repayment charges, portability and the reality of your next five years before locking anything in. AI can speed comparisons, but it won’t ask the hard questions about your plans; that’s where an advisor adds real value.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Tax isn’t just a bill; it’s a design problem. We sit down with dental tax expert Shishir and performance coach Dr Barry Alton to rebuild the way dentists think about money, from the timing of income to the shape of an exit. The conversation is direct, practical, and aimed at one outcome: keeping more of what you earn while building a practice that’s easier to run and more valuable to sell.

We start by fixing timing. Too many practices recognise revenue on money received, paying tax before treatment is delivered. Switching to production‑based recognition aligns tax with effort, reduces cash flow shocks, and stops the cycle of borrowing to pay HMRC. From there, we dive into a smarter extraction stack: blend salary, dividends, pensions, retained profit, and legitimate family roles to move the same profit home with less combined tax. It’s coordinated, not complicated, and it keeps working capital healthy while your household saves.

Then we flip the growth model. Scaling with post‑tax scraps is slow and costly. Using retained, pre‑tax profit to fund acquisitions and new surgeries preserves momentum and compounds returns before the final tax bite. Finally, we separate clinical income from non‑clinical value like brand, IP, education, and property. Clean books create clean EBITDA, fewer add‑backs, and stronger valuations. Buyers reward clarity, and lenders do too. Throughout, Barry shows how accurate, real‑time data enables better associate pay structures, faster decisions, and lower stress.

If you want a framework that lowers your effective rate, strengthens cash flow, and positions you for a higher multiple at exit, this is your playbook. Subscribe, share with a colleague who needs a better tax plan, and leave a review to tell us which lever you’ll optimise first.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Your hands, your back, your focus—your livelihood depends on them. When a sudden injury or diagnosis collides with long NHS waits, the real cost isn’t only medical fees; it’s months of lost earnings and momentum. We sit down with insurance expert Warren to break down how private medical insurance helps dentists move from symptom to specialist to treatment in weeks, not seasons, and why that speed can protect both your health and your career.

We start with the essentials: what private medical insurance covers and how it differs from relying solely on the NHS. From consultant appointments and diagnostics to hospital stays and surgery, we explain what “core cover” buys you and where optional add‑ons like unlimited outpatient diagnostics, therapies, and mental health support can transform the experience. We also dig into the postcode lottery for advanced cancer drugs, showing how access through private pathways can be decisive when time and options matter most.

Money questions take centre stage. We compare self-funding with real numbers—£3,000 scans and five‑figure surgeries—against the predictability of premiums. You’ll learn why pairing PMI with income protection can be a powerful combo: one safeguards cash flow, the other shortens your recovery timeline. We cover tax treatment for personal and company‑paid policies, and share practical cost controls, including setting a sensible excess that cuts premiums and choosing physiotherapy networks that don’t push up renewals. For dentists facing musculoskeletal strain, stress, or the risk of burnout, these details add up to better outcomes and fewer unpleasant surprises.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Feeling profitable but strangely broke? We dig into the hidden gap between production and collection that trips up so many UK dentists, then show how to fix it with clean bookkeeping, correct revenue recognition, and a simple 13-week cash forecast. You’ll hear why tax hits in late December and January drain liquidity, how deposits can inflate reported profit and accelerate tax, and what it takes to line up costs with completed treatment so your numbers tell the truth.

Together we reframe the whole picture: profit is teeth, cash flow is gums, and both must be healthy. We break down common accounting mistakes in Xero and QuickBooks, explain when revenue should be recognised, and map out a weekly process to track net cash collected versus total outflows, including assets and loan payments. You’ll learn to ringfence working capital for the next 90 days, set aside tax with confidence, and identify genuine excess cash you can deploy into growth without fear.

We also tackle mindset and habit. When the bank balance is high, owners overspend; when it’s low, panic kicks in. Data replaces emotion. With a living forecast, you can choose the right lane for your practice, avoid nasty surprises, and time investments like scanners, marketing, or training to match your cash runway. If you’ve ever asked “Why do I feel broke when my accounts show profit?”, this conversation gives you the clarity, language, and tools to change it.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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What if the fastest way to grow a dental practice is not a new scanner, but a new agreement? We sit down with Lisa, a former dental nurse who became a practice stakeholder, to unpack how equity, trust, and smart systems turn a busy clinic into a resilient, two-site business that serves patients better and performs stronger.

Lisa shares the early lessons she took from running operations in a GP super centre: finance visibility, team training, and the simple truth that people remember how you make them feel. Those foundations shaped a strategy that moved a three-person team into a private-led model with an NHS arm ring-fenced in a nearby site for stability and optionality. We talk openly about when equity for a practice manager makes sense, why it should be a cherry not a carrot, and how small ownership stakes can unlock the discretionary effort owners quietly hope for but rarely earn.

We dive deep on incentives that work—like sharing a slice of verified stock savings—and why owners who cling to cash starve growth. The numbers matter: monthly KPIs, white space costs, staffing ratios, and fee calibration can add six figures without longer clinical hours. And then there’s the biggest lever of all: communication. Lisa breaks down the ten-second phrases that de-escalate complaints, the reception scripts that convert more enquiries into appropriate appointments, and how AI call reviews help front-of-house master tone, empathy, and listening.

If you’re an owner or manager who wants fuller diaries, fewer fire drills, and a team that thinks like partners, this conversation hands you the blueprint: align incentives, measure what matters, and coach the words that win trust. Subscribe, share this with your practice lead, and leave a review telling us one change you’ll make this week.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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The rules of dental practice value are changing, and we’re pulling back the curtain on what matters now. After a decade of corporate consolidation and a pandemic‑fuelled private boom, the market has cooled to a healthier balance: fewer bidding frenzies, more scrutiny on profit, and a meaningful opening for independent buyers who know their numbers. We’re joined by Oliver Snowden, an ex‑corporate M&A director now co‑leading a bespoke brokerage, to decode how associate‑led EBITDA works, when to use principal‑led assumptions instead, and why multiples peaked in 2022 before settling into a more sustainable range.

We walk through the levers that move price: sustainable profit margins, lease quality, lender sentiment, and the real impact of interest rates. Oliver shares candid benchmarks—why 17 to 22 percent is the sweet spot for associate‑led margins—and what buyers expect to see in management accounts and compliance files before they take a deal seriously. If you’re planning to sell, you’ll hear exactly how to prepare: engage a dental specialist accountant and solicitor early, build a complete due diligence pack, and get ahead of landlord consents that can quietly add months. If you’re buying, learn to compare valuations under both models, challenge costs that don’t scale, and test whether the business stacks up without the current owner’s clinical time.

We also dig into marketing spend, where many practices now invest three to five percent of turnover without clear measurement. The buyers who win ask simple questions: what’s the cost per enquiry, how many convert, and which channels actually generate profitable cases? A solid CRM, a disciplined recall and reactivation plan, and a habit of recording “How did you hear about us?” can move growth from guesswork to proof—and that proof supports value.

Whether you’re eyeing an exit in 2026 or gearing up to acquire your first site, this conversation gives you a grounded playbook for price, process, and performance. Enjoy the episode, then subscribe, share with a colleague, and leave a quick review to tell us what topic you want next.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text