The Budget And Your Properties/Mortgage with Sarah Grace [CPD Available]

Dentists Who Invest Podcast

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8d ago 16:09

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Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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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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Mortgages just got more complicated for dentists, but not unworkable. We dig into what the latest budget actually changes for buy-to-let in personal names, how frozen tax bands quietly pull more rent into higher rates, and why the updated interest tax credits at 22, 42, and 47 percent matter for your cash flow. You’ll hear a clear-eyed view on the policy direction that nudges small landlords out while corporate landlords scale up—and the practical impact that shift has on rents, tenant stability, and long-term yields.
We also unpack where rates are heading right now. With bond markets warming to the budget, fixed-rate funding costs have eased, and lenders are sharpening two- and five-year fixes. That’s positive, but the last two years taught us how quickly markets can turn. Our strategy is simple and dentist-friendly: if your fix ends within six months, secure a product now to cap your risk, then switch to any lower rate if pricing improves before completion. It’s an option, not a commitment, and it turns uncertainty into leverage.
For higher-value homes, we outline the proposed mansion tax bands, valuation timing, and what to watch ahead of 2028. If you’re buying near the thresholds—especially in the South East—build the annual levy into your ownership maths today. Whether you’re remortgaging, purchasing a home, or weighing a buy-to-let, we cover documents to prepare, how to choose between two- and five-year fixes, and the red flags that make a rental deal too thin after tax.

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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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Chapters

1. Setting The Mortgage Agenda (00:00:00)

2. Budget Changes For Landlords (00:02:05)

3. Why Government Favours Big Landlords (00:04:19)

4. Rent Decisions And Tenant Turnover (00:06:37)

5. Market Reaction And Fixed-Rate Moves (00:07:45)

6. Base Rate Hopes And Stability (00:09:07)

7. Mansion Tax Explainer (00:10:45)

8. Action Steps For Renewals (00:12:39)

390 episodes

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