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

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Ready to turn confusing mortgage rules into clear action steps? We sit down with specialist broker Sarah Gris to unpack how dentists can borrow more at better rates by aligning income evidence, deposits, and monthly commitments with what lenders actually reward.

We start with the real levers behind the famous “multiplier.” Five times income is common, six times is realistic with the right profile, and seven times appears in niche cases at a price. Sarah explains how associates and principals should present figures: salary plus dividends or profit after corporation tax for limited companies, and net profit for sole traders. We dig into why lenders often average two years, how to time applications to showcase a strong latest year, and when projection-based pay schedules can help growing clinicians.

Then we get tactical about affordability killers. A 0 percent credit card still counts, with lenders modelling around three percent of the balance as a monthly outgoing. That £10,000 you plan to clear “later” can shave roughly £80,000 off potential borrowing today. We highlight the heavy hitters—car finance, school fees, nursery costs—and translate them into mortgage impact, including how a £2,200 car payment can crowd out around a £400,000 mortgage. The message is simple: lenders view you like a business, so strip out avoidable commitments before you apply.

You’ll also learn how banks estimate day-to-day spend using ONS benchmarks, why flats bring service charges and ground rent into the equation, and which bank statement entries trigger underwriter questions. Sarah shares pragmatic fixes: clear or restructure revolving debt, build a stronger deposit for better rates, tidy statement references, and coordinate application timing with your best filed accounts. For dentists who like to stretch, this is the map for stretching smart.

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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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Money worries steal focus from clinical care, yet most of us were trained to drill, fill, and bill—not to design profit. We take a candid look at why dentists often feel underpaid, then map the path from noisy busyness to calm, predictable income. With Dr Barry Holton’s growth lens and Shishir Kudka’s financial x-ray, we blend practical production levers—pricing confidence, diary zoning, and strong case acceptance—with the cash flow literacy that keeps a practice breathing.

We start by challenging the turnover myth. Higher gross without margin control is a hamster wheel, not a win. Barry shares how fear of rejection drives undercharging, why too many recalls clog chairs, and how a simple follow-up system can uncover a hidden fortune in proposed but uncompleted treatment. Expect real numbers: one two-surgery site sat on £2.4m of diagnosed care. We talk language, team roles, and the discipline of zoning to prioritise high-value care without adding hours.

Then we flip the chart to the finance side. Shishir outlines a level-zero toolkit any owner can use today: track gross profit after direct costs, set a margin floor, and run a quick liquidity stress test. We go beyond the profit and loss to cash flow and the balance sheet—because you pay bills with cash, not paper profit. Learn a simple TIPs review for your bank movements—spot trends, irregularities, patterns, and spikes—and see how better receivables, lab negotiations, and expense controls lift margins fast. We also demystify tax timing so you can forecast payments, avoid over-parking cash, and fund growth without surprises.

Data quality is the clincher. Generic AI dashboards can tidy messy ledgers into pretty lies. We talk about dental-specific tooling that validates entries, connects clinical and financial views, and delivers a true 360-degree diagnosis so you can reward the right behaviour and intervene early when conversion slips. The outcome is freedom: fewer, better appointments, fees that reflect value, and a practice you steer with confidence.

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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 a text

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

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Want control without owning every share? We explore how alphabet shares let dental founders keep a firm hand on strategy and clinical standards while still raising capital, rewarding key clinicians, and giving investors predictable returns. With corporate lawyer Ray Goodman, we translate complex UK company law into practical steps that fit the way dental groups actually grow.

We start by demystifying A, B and C share classes and the rights that sit behind them: voting power, dividend priority, capital distribution on exit, and protections like drag-along and tag-along. From there, we show how the Companies Act 2006, model Articles of Association, and a clear shareholders’ agreement work together. If you’ve wondered when to use enhanced-vote founder shares, when preference shares with a coupon make sense, or how growth shares align clinician performance with equity, this is your playbook.

Real examples bring the structures to life. Founders retain control while external investors get fixed returns. Associates earn upside via conversion triggers tied to EBITDA or revenue. Passive backers hold non-voting preference shares that look and feel like stable income. We also cover essentials many owners miss: how to amend Articles, obtain class consents, set valuation rules that avoid minority discount fights, and meet Dentists Act requirements on dentally qualified directors. Plus, we flag common drafting pitfalls and why aligning Articles and the shareholders’ agreement prevents nasty surprises at exit.

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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 a text