Why now could be the window of opportunity you’ve been waiting for
After several years of rising rates and financial caution, 2025 has brought some long-awaited news: interest rates are beginning to fall.
So what does this mean if you’re thinking about buying a dental practice this year?
- Lower cost of borrowing
A reduction in the Bank of England base rate means many lenders are offering more competitive terms on commercial loans. That could mean lower monthly repayments or the ability to borrow more within your affordability range — particularly helpful for first-time buyers.
- Greater confidence from lenders
With a more stable economic outlook, banks continue to view dentistry as a low-risk sector. This opens up a broader range of flexible funding options, especially for first time buyers.
- More favourable deal structures
Lenders are now competing more actively for business, which means we’re seeing proposals with lower margins, longer repayment terms, minimal covenants and no early repayment charges — provided of course the proposal is submitted in the correct manner.
- It pays to act early
Markets remain sensitive. While rates are currently lower than they were 12 months back, they may not stay that way indefinitely. Acting while conditions are favourable could lock in long-term savings and secure your entry into ownership at the right time.
FTA Finance works exclusively with dentists, helping you secure the right finance for your first (or next) practice – with independent access to the full lending market and specialist knowledge of the sector.
Thinking of buying this year?
Let’s talk – call us on 0330 088 1157.
We are able to source a wide range of innovative and competitive Healthcare Finance packages specifically tailored to, and for, Healthcare Professionals such as:
Remember!
You are in a specialist market so use a specialist broker who understands your sector. With access to major banks and specialist niche healthcare lenders, we know the types of proposals that are synonymous with this sector.
