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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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Commercial property has been the missing piece on our podcast for far too long, so we brought in chartered surveyor and long-time investor Alasdair Irvine to give you a clear, practical foundation. If you’ve ever wondered why some investors swear by UK commercial property investment while others stick to shares, pensions and buy-to-let, we lay out the real mechanics: what your return is made of, how leases shape risk, and when property genuinely earns its place in a portfolio.

We get specific about rental yield versus capital appreciation, and why commercial property can look steadier than equities day to day even though it is not as liquid. Alasdair explains how borrowing can boost return on equity when the deal stacks up, and we pressure-test the assumptions so you can think in net cashflow terms rather than headlines. We also tackle the residential versus commercial debate, including why repairs and ongoing costs can quietly crush buy-to-let returns, and why full repairing and insuring (FRI) leases often shift responsibility back to the tenant in the commercial world.

Then we zoom out to what’s hot for 2026 and beyond: how risk appetite changes the yield you should expect, why “retail is dead” is an oversimplification, and what has driven industrial property’s standout performance since 2020. We also touch on the office market’s post-Covid reset and what quality and demand look like now.

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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 Fan Mail

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/

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

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A practice can be turning over seven figures and still feel like it’s one bad month away from trouble. That’s not a motivation problem and it’s not a “work harder” problem. It’s financial visibility. We dig into the hidden £100k net profit gap that sits between what your accounts report and what you actually need to know to make decisions week to week, from tax planning to hiring to investing back into the business.

Barry shares the reality of being an accidental business owner: brilliant at dentistry, less confident with P&Ls, and often forced to make calls based on old information. We talk about why annual accounts are inherently retrospective, how that pushes you into “rear-view mirror” management, and why scaling needs a future number that scares you and a plan that works backwards. You’ll hear real examples of what changes when dentists finally know their break-even point and KPIs, and how that confidence shows up in both profitability and quality of life.

Then Shashir gets practical on the question dentists ask all the time: “Why do I have profit but no cash?” We break it down into cash flow forecasting, keeping today’s cash intact while planning future outflows, and avoiding over-leverage when you are growing fast. We also cover dental practice benchmarking so you can spot overspend in staff costs, lab fees, materials and overheads, plus why tracking treatment mix by margin matters more than chasing high production values. Finally, we tackle associate profitability and how transparent data can improve trust, performance, and negotiation.

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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 Fan Mail

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/

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

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That shiny new surgery, refit, extension, or “we had to do it for compliance” upgrade might be doing more for HMRC than it’s doing for you. We’re joined by Chris Lonergan, a tax consultancy director with deep construction and quantity surveying experience, to unpack how UK dental principals can be far more tax-efficient with property spend, legally, using capital allowances that HMRC expects to see claimed.

We talk through why dental practice premises are often a huge slice of personal and business wealth, and why missed relief hits cash flow at exactly the moment you need it for financing, recruitment, equipment, and growth. Chris explains capital allowances in plain language, the difference between plant and machinery allowances and structures and buildings allowance, and the types of “integral features” that are frequently overlooked, from electrical systems and HVAC to fitted cabinetry, security, and access equipment.

You’ll also hear why timing matters: what to do before you complete a property purchase, when to bring in specialist support during a build or refurbishment, and how delayed claims can reduce how quickly you can use the relief. If you’ve spent serious money on a fit-out in the last few years, or you’re planning one now, this conversation gives you a practical framework to ask better questions and protect your returns.

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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 Fan Mail