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

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Renovating a dental practice can feel like writing cheques into a black hole. Chairs, HVAC, electrics, partitions, compliance work, reception fit-out, lighting, plumbing, fire systems… the invoices stack up fast, and the tax impact is usually treated as an afterthought. We want to change that. Tax relief through capital allowances can turn a big chunk of commercial property and fit-out spend into real cash flow, and when it’s done properly it is solid, HMRC-recognised planning rather than anything gimmicky.

We’re joined by Chris Lonergan from Bonham and Brooke, a specialist team that blends tax, accountancy and quantity surveying to find what many practices miss. We unpack the key categories dentists need to know: structures and buildings allowance (slow, 3% per year) versus plant and machinery allowances (often far faster). Chris shares a real dental fit-out where around £470,000 of £471,000 spend qualified, and explains how that can translate into tens of thousands in corporation tax savings or even a six-figure income tax repayment for the right circumstances.

We also get practical on the “who can claim and when” questions: what happens if the property sits in a SIPP, how allowances can be unlocked when you buy from residential use, a charity or a developer, and why leasehold improvements can still qualify because the relief follows the party who paid. Then we finish with the weird but real edge cases that show why itemised invoices and specialist review matter, right down to doors, hinges and functional finishes.

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

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Interest rates have spooked a lot of dentists into hitting pause on practice ownership, but that pause can quietly become a habit. We talk through a calmer way to think about buying your first dental practice in the UK, using the lens lenders actually use: long-term serviceability, realistic stress-testing, and the underlying performance of the practice itself rather than a single base-rate snapshot.

Kevin, a specialist dental finance broker, shares what he has seen in the market over the last few years, including why first-time buyers all but disappeared when rates rose and why goodwill values softened at the same time. We dig into the idea that a practice purchase is usually a 15 to 25 year commitment, so “waiting for the perfect rate” can be the wrong game. If the numbers work today, banks typically model affordability at higher rates anyway, and the real question becomes whether the practice can fund the debt and still pay you what you need.

We also get honest about what new owners struggle with most. It’s often staff, leadership, and the first-year reality that you may earn less while you stabilise and grow the business. From there we move into practical funding detail: longer goodwill terms, renewed bank appetite, and when 100% finance is possible, including how loan term choices can matter more than small rate differences. We finish with what lenders look for in your personal finances, CV, and “background assets” like property, ISAs, pensions, or cash, plus what changes when you buy a second practice and how you split your time.

If you found this useful, subscribe for more UK dentist finance and practice ownership conversations, share it with a colleague who’s thinking about buying, and leave a review with the one question you want answered 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.

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

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A drill-free future sounds like marketing hype, until you see the tools that are already changing day-to-day dentistry. Dan joins me for a wide-ranging, practical chat that starts with career reflection and ends with a clear view of where digital dentistry and AI are genuinely useful, where they raise hard questions, and how practice owners can respond without losing the human side of care.

We dig into what happens when you understand both the clinical and laboratory sides of restorative work and why digital workflows make accountability unavoidable. That leads to the uncomfortable truth many dentists share: perfectionism can be built into the job, because “perfect” is not a single standard. It shifts with anatomy, materials, patient expectations, and the judgement calls you can’t reduce to a checklist.

From there, we look at the new wave of dental AI and innovation we’re seeing at shows: Pearl Dental AI as a communication and diagnostic support tool for spotting early caries on radiographs, and Curodont as a peptide-based treatment approach aimed at remineralising suitable early lesions rather than automatically reaching for the handpiece. We also explore “robo reception” systems that can answer calls at scale, handle bookings, and reduce pressure on front-desk teams, while still protecting boundaries around medical advice and safeguarding.

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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 Fan Mail