A budget leak, a flat delivery, and yet a sharper squeeze on business owners than headlines suggest. We break down how Rachel Reeves’ autumn budget quietly raises the tax take from dentists and small healthcare businesses through frozen thresholds, dividend increases from 2026, reduced capital allowances, and new national insurance on pension salary sacrifice above £2,000 a year.

We walk through the real‑world impact on profit extraction, investment timing, and cash flow, explaining why fiscal drag nudges more income into higher bands even when you feel like you are standing still. You’ll hear a clear plan to stress‑test salary versus dividend blends, bring forward essential equipment buys, and model pension contributions under the new NI rules. We also unpack the extra two percentage points on rental and investment income and what that means for clinicians with property portfolios or savings, alongside the looming reality of Making Tax Digital and quarterly submissions for those earning over £50k.

Beyond the tax rules, we get practical: targeted price adjustments, operational efficiency, and exploring offshore admin support to reduce payroll pressure without sacrificing patient experience. The tone is honest and pragmatic—no scare tactics, just straight guidance on protecting margins and planning across multiple years. If you run a dental or healthcare practice and want a calm, actionable way to adapt, this conversation will help you map the next steps with confidence.

If this was useful, follow the show, share it with a colleague who needs clarity on the budget, and leave a review to tell us what you’re changing in your 12‑month plan.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

Buying a dental practice shouldn’t feel like guesswork. With banks actively competing for strong borrowers, dentists can now access high loan-to-value offers, longer terms, and smarter structures—if they know how to navigate lenders, leases, and the fine print. We unpack what’s actually available in late 2025, why goodwill and freehold can reach up to 100% LTV for the right profile, and how to avoid early repayment traps that turn a “cheap” headline rate into an expensive mistake.

We walk through the real numbers: typical terms for goodwill versus freehold, how leases under the Landlord and Tenant Act affect approvals, and why a 4% base with 1.5–2.5% margin often nets a workable all-in rate. Thinking of a startup? Appetite has improved, with around 70% LTV and higher pricing early on, but a clear route to refinance once turnover and profit stabilise. We also break down the costs buyers forget—arrangement fees, valuations, solicitors—and share a simple way to assess whether your deposit is enough for that £1m goodwill deal.

Not every move is an acquisition. If you’re levelling up with a microscope or CBCT, asset finance can match the debt term to the useful life of your kit without tying up your main facility. Most importantly, we explain why a buyer-only advisory model matters: no conflicts, direct access to healthcare banking teams, and integrated accounting, tax, and due diligence support. From negotiating price and packaging the deal to securing the right lender and preparing for ownership, this is a practical guide to getting funded on your terms.

If you’re exploring an acquisition, startup, refinance, or equipment purchase, tune in, take notes, and then reach out. Subscribe, share with a colleague who’s shopping for a practice, and leave a review with your biggest finance question—we’ll answer it on a future show.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

We share a practical finance playbook for dental clinics, from moving to cloud accounting to adopting accruals, daily bookkeeping, and metrics that drive better decisions. We also preview an AI-driven dashboard that unites PMS, accounting, and marketing data.

• choosing Xero as the bookkeeping core and retiring spreadsheets
• using HubDoc or similar for receipt capture and digital invoice flow
• configuring bank feeds and batch payments to save hours
• selecting a cloud PMS and reducing data silos
• adopting accruals instead of cash accounting for clarity
• tracking hourly rate, new patients, cancellations and NHS run rates
• forecasting tax and cash flow each month
• setting roles for manager, bookkeeper, accountant and fractional CFO
• keeping separate Xero files per practice for group operators
• migrating data cleanly and establishing approvals at scale

If anyone's interested, just please fill in this form, and then one of the team or myself will reach out to you in coming weeks and days to discuss. Drop me an email: urin at samera.co.uk

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team