Buying A Practice In 2026 with Kevin Saunders [CPD Available]

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