Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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Cash flow feeling tight while your practice ambitions keep growing? We dive into the real mechanics of refinancing for dentists and show how the right structure can lower monthly payments, unlock equity, and create the headroom to expand with confidence. Rather than chasing a headline rate, we focus on the three levers that truly move the needle: loan amount, interest rate, and term—and how blended and partially amortising loans can beat a small rate cut when it comes to monthly affordability.

Kevin breaks down why refinancing is broader than most owners realise, from releasing capital to buy equipment or a second site, to restructuring short-term debts that strain cash flow. We explore blended loans that combine property and goodwill into one manageable term, interest-only elements that help a deal service when goodwill valuations are high, and unsecured options up to mid-six figures that avoid valuation and legal fees. For startups that have grown fast, we explain how stronger accounts after 18–24 months can open the door to cheaper, longer-term facilities that consolidate asset finance and free cash to complete surgeries.

You’ll hear practical, anonymised case studies: clients cutting thousands per month by shifting to partially amortising structures without borrowing more, buyers who held repayments steady while fitting out additional surgeries, and a bridge-to-refi path that secured a property before planning, later simplified through an unsecured refinance. We also discuss evolving bank policies—longer goodwill terms, flexibility around leases, and rising loan-to-values—and why matching products to your practice plan matters more than picking a single “best” lender.

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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.

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Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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

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A lot changes when the cost of selling your life’s work starts creeping up. We sit down with healthcare M&A specialist Nathan Atkinson to map the moving parts around business asset disposal relief, how the dental deals market heats up ahead of Christmas, and what smart owners can do today to protect value tomorrow. If you’ve wondered whether to push for a pre-Budget completion or wait for clarity, this conversation gives you the practical lens you need.

We start with the basics: why BADR rate moves influence deal timing and how buyers behave when sellers feel a deadline. Nathan explains the year-end rush, solicitor bottlenecks, and why a lively market doesn’t automatically equal bargain prices. From there we explore what’s known versus unknown in the policy pipeline, including the risk of further capital gains tax changes and shifts to employer national insurance that could squeeze larger practices and corporates.

The heart of the episode focuses on fundamentals that outlast Budget cycles. Many NHS-reliant practices are seeing higher turnover without better margins, thanks to cost creep and payroll pressures. We talk through how buyers read those numbers, why EBITDA quality drives valuation, and the practical steps owners can take to shore up margins, trim admin costs, and present clean, consistent accounts. Nathan’s core message is simple: plan earlier than feels comfortable. Five to eight years out is not too soon to optimise share structures, align partners, formalise associate agreements, and build a documentation trail that speeds diligence.

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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

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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

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If you think organic social only works once you’ve built a big following, this conversation will change your mind. We sit down with videography‑driven marketer Joe Goodchild to unpack how dentists can turn simple, authentic reels into real enquiries and booked e‑consults without spending on ads.

We start by tackling the mental barrier that keeps clinicians from posting: fear of judgement. Joe shares why short, honest videos outperform polished graphics, how modern algorithms sample content from new accounts, and the small production tweaks that make a big difference—like filming facing a window for clean, flattering light. We get practical about audience targeting too: speak to specific patient scenarios and desired treatments, not generic tips that vanish in the feed.

From there, we map the platform strategy. Instagram remains the best organic home for dentists thanks to Reels and a broad user base that increasingly includes older patients. Facebook still helps reach implant demographics, though expect limited organic reach. TikTok can deliver big top‑of‑funnel visibility; use it to push traffic to Instagram or straight to your site rather than chasing DMs as the sole KPI. Then we rebuild the conversion path: write a clear bio stating who you help, where you work, and how to book, and replace crowded link trees with one decisive CTA. Joe breaks down why a direct e‑consult link outperforms open‑ended DMs, and how Calendly’s custom fields, reminders, and short slots keep bookings smooth and show‑ups high. We round things out with a take on branding: use colour and consistency, but avoid repetitive grid patterns that turn into wallpaper—variety and clarity keep viewers engaged.

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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

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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

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What if the fastest path to financial independence isn’t chasing a bigger pot, but transferring the right risks? We dive into life insurance for UK dentists with specialist adviser Anick Sharma to show how smart cover can protect your family, reduce tax, and keep your investments compounding without interruption.

We start by reframing insurance as the oxygen mask for your plan. Rather than a sunk cost, the right policy ring‑fences the downside so your portfolio stays invested through life’s shocks. That stability narrows assumptions, shrinks the required emergency buffer, and can pull your financial independence date forward. We break down how to size cover for real‑world needs—mortgage, school fees, household cash flow—so a bereavement doesn’t force asset sales or a scramble for income.

Structure is everything. We compare level, decreasing, and inflation‑linked terms, and explain when two single‑life policies beat a joint plan to avoid leaving the survivor uncovered. For limited company owners, we highlight the power of a Relevant Life Plan: employer‑paid, typically deductible, and without a P11D benefit in kind. We also tackle inheritance tax planning and why placing policies in trust can keep proceeds outside the estate and available quickly to your loved ones. Along the way, we pinpoint common pitfalls—only insuring the mortgage, ignoring NHS death‑in‑service, letting premiums drift, or failing to review after major life changes.

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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

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/how-to-save-money-on-your-mortgage-as-a-dentist-with-will-coe

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Buying a home as a dentist shouldn’t feel like translating your career into a foreign language. We sit down with mortgage specialist William to turn “complex income” into a clear story underwriters understand, so you can borrow confidently without paying a premium for your structure. From UDAs and SA302s to net profit policies and partnerships, we break down exactly how to present your earnings and which details actually move the needle on affordability.

We start with sole traders and employed clinicians who add private work, showing how payslips, tax calculations, and consistent patterns across two years help secure stronger offers. Locums and contractors aren’t locked out either; some lenders will work off current contracts and recent invoices when the case is assembled cleanly. Then we tackle limited company associates, where low salary and dividends used to cap borrowing. A growing set of lenders now consider salary plus net profit, particularly when the business has minimal overheads, so your retained profits can count toward what you can reasonably draw.

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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

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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

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What if the deposit that’s been holding you back from buying a dental practice wasn’t actually required? We unpack how first-time buyers can now secure 100% finance not just on property, but on goodwill too, thanks to a major shift in bank credit policy that lifts the goodwill cap to £750,000 per dentist. That change opens the door for solo and joint buyers to fund real-world practice prices, while still meeting the hard test that matters most: serviceability.

We walk through how lenders assess cash flow, why extending goodwill terms from 15 to 20 years can make the numbers work, and how pricing bands change with loan-to-value. Expect straight talk on margins over base, what a small deposit does or doesn’t do to your rate, and how development budgets fit in. If you plan to invest in equipment or upgrades, we outline the trade-offs between short-term development loans and including improvement capital upfront over a longer term to protect cash flow.

For current owners eyeing a second site, we explain how to release equity from existing goodwill or freehold to build a workable deposit and still leverage 100% funding on the new acquisition. We also explore the market backdrop: banks competing for healthcare clients, long-outdated caps finally moving, and what this policy “arms race” means for buyers ready to act. Throughout, we emphasise case-by-case modelling, realistic owner drawings, and the refinance play once performance lifts and leverage falls.

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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

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/heres-how-to-get-more-patients-and-minimise-white-space-with-marius-satraru

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Empty chairs aren’t fixed with louder ads; they’re fixed with smarter systems. We dive into the real reasons diaries have white space and map a practical route from first click to accepted treatment, together with Marius Satraru of Align Media, who builds lead engines for dental practices. Rather than throwing money at SEO or Google Ads, we explore how to repair the funnel: a website that looks human and loads fast, multiple ways to convert (booking, forms, click‑to‑call, chatbot), and a CRM that treats your database as an asset instead of an afterthought.

We get specific about the moments where leads leak. Missed calls after hours quietly erase demand, so we talk through AI reception as a night‑shift helper that books or sends links, speeding response without replacing your front desk. Follow‑up time matters just as much; personalised auto‑replies that reference the enquiry keep attention and reduce comparison shopping. We also unpack why fee pages cause exits, how a deposit policy can be tested to lower friction, and why clear finance options and next steps turn price browsing into bookings. For campaigns like Invisalign open days, we show how to start with your existing database: targeted emails, plain‑English benefits, strong subject lines, and simple booking paths.

Once foundations convert, then scale. That’s when SEO earns clicks and ads make sense, especially with focused landing pages that mirror ad promises and track results beyond leads to booked revenue. Throughout, we use a simple rule: stop self‑diagnosing. Audit answer rates, response speed, website conversion, CRM automation, and email cadence; fix the largest drop‑offs first, then widen the top of the funnel with the right channels. Want the full checklist and examples you can act on today? Listen now, subscribe for future deep dives, and leave a quick review with your biggest bottleneck—we’ll tackle it 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

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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

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Want a structure that protects your personal assets, trims your tax bill, and makes selling your practice smoother? We sit down with specialist dental solicitor Ray Goodman to translate legal jargon into practical choices for dentists—when to stay as a sole trader, when a limited company pays off, how partnerships really work, and why “expense sharing” can quietly turn into a partnership with joint and several liability. If you’ve ever wondered whether dividends beat salary, who can be a director or shareholder, or how to keep decision‑making fair between owners, this conversation gives you the playbook.

We pull apart the mechanics of limited companies—the corporate veil, director duties, and the underrated advantage of flexible ownership that can include non‑DCP shareholders provided you meet the director rule. We compare this with partnerships, highlighting the risk of being chased for your partner’s debts and the absolute need for watertight agreements covering drawings, profit splits, deadlocks, and exits. We also examine expense sharing arrangements and explain why, if money is pooled with a view to profit, the law likely treats that as a partnership regardless of the label.

Thinking about incorporating an NHS contract? Ray outlines the real pathway: local area team discretion, novation agreements, and the welcome shift in guidance around personal guarantees and time‑limited obligations. We also tackle UDA value conditions that can attach to incorporation and show how to weigh the tax benefits against possible rate reductions. Rounding it out, we look at LLPs, when they make sense, and why many dental accountants still favour limited companies for scalability and sale readiness.

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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