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.

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