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 feel hardest when your income looks messy on paper. We take that challenge head on, showing dentists how to turn multiple income streams, UDAs, contracts, and retained profits into a clean story an underwriter can trust. With specialist broker insight, we break down what evidence matters, how to present it, and why the right lender policy can unlock far more borrowing power than salary and dividends alone suggest.

We start with sole traders and locums: what SA302s, contracts, and invoice trails prove, how lenders assess affordability, and when less than a full year’s history can still work. Then we move into limited company life, where many associates withdraw minimal income for tax efficiency. We explain which lenders consider net profit plus salary, when retained profits support future dividends, and how to map partnership shareholdings to real entitlement. The takeaway is simple: there’s no dentist-only mortgage; there’s a smarter way to package dental income for mainstream products at competitive rates.

We also tackle the questions everyone asks: does “complex” income mean higher interest? Not inherently. Pricing depends on product and policy fit, not your job title. Need a strategy on timing? If your fix ends within six months, secure a rate now to hedge against moves and switch if prices fall. With the market jittery and budgets looming, clarity and preparation beat guesswork. Gather your SA302s, company accounts, contracts, and UDA evidence, and let an expert frame your case so lenders see stability, longevity, and a safe investment.

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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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Cash flow can look fine on a spreadsheet and still fail you on payday. We unpack a clear, practical playbook for UK dentists to stay liquid when insurers delay payments, tax deadlines cluster, marketing needs ramp up, or a critical scanner dies at the worst time. With finance expert support, we explore fast, purpose‑built funding that keeps teams paid, treatments running, and growth plans alive without remortgaging the practice.

We walk through short‑term working capital that lands within days, fixed‑term loans that turn chaos into a known monthly line, and specialised facilities for self‑assessment, VAT, and corporation tax. You’ll hear why predictable repayments over 12 to 72 months can protect decision‑making, how to map term length to the problem you’re solving, and where unsecured options or a personal guarantee make sense. We also dig into marketing finance for Google Ads, SEO, and Instagram campaigns, showing how a planned budget and realistic patient value can turn borrowed pounds into full chairs and stronger long‑term revenue.

When shocks hit, speed matters. We outline funding routes for staffing gaps, agency cover, equipment breakdowns, and urgent replacements, plus merchant cash advances that flex with PDQ/card takings. The theme is discipline over drama: maintain a small contingency, keep documents ready, choose lenders who know dental cash cycles, and borrow to a clear purpose with measurable outcomes. Liquidity is a strategy, not a wish, and the right mix of tools helps you protect service quality while you scale on your terms.

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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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Patients can only choose you if they can find you. We unpack a clear, dentist‑friendly roadmap to winning local search, focusing on what actually leads to enquiries: fast sites, map visibility, reviews that earn trust, and content written in the language patients use.

We start by stress‑testing whether SEO is even the right move for your practice. Location matters more than most realise, and Google’s red city boundary in Maps can define your odds of ranking. We compare low‑competition areas, where you might already rank without ongoing SEO, against crowded city centres where a strategic plan and patience are essential. From there, we reinforce the foundations: a fast, mobile‑first website with dedicated treatment pages, frictionless booking, and copy that answers costs, pain, and timing. If the basics are shaky, every other tactic leaks value.

Then we break SEO into four practical pillars. Technical SEO sets speed and structure. On‑page SEO matches real local queries like emergency dentist Nottingham and clear aligners to tightly written pages. Off‑page SEO builds authority with relevant backlinks, consistent citations, and supportive channels like YouTube that link back and lift credibility. Local SEO ties it together: an optimised Google Business Profile with accurate data, posts, photos, and a steady cadence of reviews with thoughtful replies that include natural keywords. We also tackle myths around AI. People still find local clinicians via Google and Maps, and strong organic signals feed AI results rather than fight them.

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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 deadlines have a habit of landing right when cash flow is tight and growth plans are in motion. We dive into the practical world of tax loans for dentists and explain how to use them as a strategic tool rather than a last resort. From real numbers to real outcomes, we explore where a short, targeted loan can protect investments, smooth working capital, and keep expansion on track without sending the wrong signals to lenders.

We start by clarifying what a tax loan is, who offers them, and why terms cluster around six to twelve months with higher rates than standard borrowing. Then we look at the trade-offs: should you break an ISA or index fund, or keep compounding and bridge the bill? You’ll hear a case study where avoiding exit charges and market timing risk made the loan cheaper overall. We also share a lesser-known alternative—refinancing equipment or refurbishment spend already paid from cash—so you can replenish funds for tax, secure a lower rate, and spread cost over three to five years.

The conversation tackles HMRC Time to Pay, too. While the headline rate can look attractive, an active HMRC plan may act as a red flag to banks because HMRC ranks ahead of lenders, potentially restricting access to future finance for new surgeries or kit. We discuss how lenders view these arrangements, the impact on future borrowing, and how to weigh short-term interest against long-term flexibility. Finally, we outline how to apply for a tax loan, the documents you need, and the typical turnaround time so you can act before January bites.

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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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Thinking about leaving the UK for a better tax deal or a simpler life? We unpack the real calculations behind that decision—from inheritance tax worries and wage inflation to VAT shocks and the tightening margins that push many principals to the brink. Dan Klein, owner of Hive Accountancy in Cornwall, joins us to share what he’s seeing across hundreds of dental clients: frustration is real, but so are the misconceptions about relocation and tax.

We dive into why the “move and save” story is often oversold. There’s no overnight fix; meaningful tax advantages tend to require multi‑year planning, residency commitment, and a clear picture of where you’ll live, when you’ll sell, and how you’ll invest. We explore why some dentists commute from Dubai, where that model makes sense, and where it falls apart. If you’re eyeing a big exit, timing and structure matter more than hearsay—and the best results come when your personal life actually fits the place you plan to call home.

Not everyone needs to move. We talk candidly about dentistry’s “middle age,” where easy growth has faded and operating discipline wins. For some, the smarter play is to stay, run a tight practice, or even step back to a high‑performing associate role while maximising pensions, ISAs, and diversified investing. We compare active vs passive approaches, how to avoid silver‑bullet thinking, and the mindset required to hold through market dips without panicking. Whether you stay or go, the path to a calmer, wealthier future comes from clarity, patience, and a plan you’ll actually follow.

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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

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

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Planning a dental practice just got more complex—and more important. We break down how the budget’s short‑term optimism and medium‑term caution collide with real decisions on kit, teams, pensions, and profit extraction. From capital allowances and EV incentives to dividend tax and threshold freezes, we translate policy shifts into practical steps for owners and associates who want to protect margins and invest with confidence.

We start with the economic backdrop: markets liked the upgraded growth for the coming year, but projections ease off later, and much of the Chancellor’s headroom leans on fiscal drag through 2030. That context matters when deciding whether to expense equipment now, accept slower writing down relief, or rethink lease strategies. EVs still benefit from 100 percent allowances until 2027, yet a new per‑mile charge is on the horizon, so the timing of vehicle decisions could materially change the outcome.

On people and pay, the minimum wage rise for younger workers will ripple up pay bands, while tightening around pension salary sacrifice adds NI costs for both sides, blunting a once‑efficient retention tool. For clinicians using companies, the dividend tax rise narrows the gap with sole trading, pushing many to leave profits in the business and deploy them via corporate investment structures. With an extra 2 percent coming to personal rental and savings income from 2027, moving or holding assets within companies can preserve flexibility, though capital gains and transaction costs must be modelled.

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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

Collect unlimited free verifiable CPD for UK Dentists here >>>

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Mortgages just got more complicated for dentists, but not unworkable. We dig into what the latest budget actually changes for buy-to-let in personal names, how frozen tax bands quietly pull more rent into higher rates, and why the updated interest tax credits at 22, 42, and 47 percent matter for your cash flow. You’ll hear a clear-eyed view on the policy direction that nudges small landlords out while corporate landlords scale up—and the practical impact that shift has on rents, tenant stability, and long-term yields.

We also unpack where rates are heading right now. With bond markets warming to the budget, fixed-rate funding costs have eased, and lenders are sharpening two- and five-year fixes. That’s positive, but the last two years taught us how quickly markets can turn. Our strategy is simple and dentist-friendly: if your fix ends within six months, secure a product now to cap your risk, then switch to any lower rate if pricing improves before completion. It’s an option, not a commitment, and it turns uncertainty into leverage.

For higher-value homes, we outline the proposed mansion tax bands, valuation timing, and what to watch ahead of 2028. If you’re buying near the thresholds—especially in the South East—build the annual levy into your ownership maths today. Whether you’re remortgaging, purchasing a home, or weighing a buy-to-let, we cover documents to prepare, how to choose between two- and five-year fixes, and the red flags that make a rental deal too thin after tax.

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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 your next surgery upgrade to pay you back? We dive deep into capital allowances for dental practices and show how renovations, fit-outs, and even property purchases can turn into serious tax savings without schemes or risk. With specialist insight from property tax expert Chris Lonergan, we break down the simple idea that changes everything: move as much spend as possible into fast plant and machinery allowances, and keep the slow structures and buildings bucket to a minimum.

We walk through clear, real-world examples: from a £500k Victorian conversion that produced roughly £490k in allowances, to scenarios where higher-rate income taxpayers receive chunky cheques by carrying claims back. You’ll learn what really qualifies in a clinic setting, including electrical systems, plumbing, ventilation, data, alarms, fitted kitchens, reception, and partitions. We also explain why loose clinical kit is just the start, and how the unseen assets inside your walls often hold the biggest value when properly surveyed and categorised.

Buying a building? The seller’s status matters. Conversions from residential, purchases from non-taxpaying entities like the NHS or charities, and acquisitions from developers can preserve large pools of embedded allowances for you. Leaseholders who fund their own fit-outs can also claim, as allowances follow the spender. We cover the pitfalls too: why most accountants can’t value second-hand buildings or parse interim certificates, how to approach grants, and when a specialist report unlocks PMA you didn’t know you had.

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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