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

———————————————————————
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