Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/can-i-borrow-100-of-the-money-needed-to-buy-a-dental-practice-part-2-with-kevin-saunders

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What if the deposit that’s been holding you back from buying a dental practice wasn’t actually required? We unpack how first-time buyers can now secure 100% finance not just on property, but on goodwill too, thanks to a major shift in bank credit policy that lifts the goodwill cap to £750,000 per dentist. That change opens the door for solo and joint buyers to fund real-world practice prices, while still meeting the hard test that matters most: serviceability.

We walk through how lenders assess cash flow, why extending goodwill terms from 15 to 20 years can make the numbers work, and how pricing bands change with loan-to-value. Expect straight talk on margins over base, what a small deposit does or doesn’t do to your rate, and how development budgets fit in. If you plan to invest in equipment or upgrades, we outline the trade-offs between short-term development loans and including improvement capital upfront over a longer term to protect cash flow.

For current owners eyeing a second site, we explain how to release equity from existing goodwill or freehold to build a workable deposit and still leverage 100% funding on the new acquisition. We also explore the market backdrop: banks competing for healthcare clients, long-outdated caps finally moving, and what this policy “arms race” means for buyers ready to act. Throughout, we emphasise case-by-case modelling, realistic owner drawings, and the refinance play once performance lifts and leverage falls.

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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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