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

———————————————————————
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