Could Lower Interest Rates Mean Big Savings for Your Dental Practice?

Hi everyone, 

Good news for practice owners - the Bank of England has just reduced the base rate again, this time from 4.25% to 4% (as of 7th August 2025). It’s the lowest we’ve seen since early 2023.

Now, I know a 0.25% cut might not sound like much, but for dentists with practice loans, it can really add up.

Here’s what it could mean for you:

• If you’re on a tracker or variable loan, your repayments could drop straightaway.

• If you’re on a fixed rate, nothing will change for now - but this might be a great time to refinance and lock in a better deal for the future.

• Even small reductions can save you hundreds or thousands over the lifetime of a loan.

We’ve assisted several clients in refinancing their existing facilities from Wesleyan and TSB, helping them save significantly on their repayments and allowing them to access new funds for freehold purchases, practice expansion, or acquiring another site. Refinancing their loans not only reduced their repayments but also unlocked new financial opportunities.

Why am I telling you this? Because timing matters. Interest rates are moving, but the Bank of England has hinted that cuts will be slow and steady from here. Which means acting now could help you secure savings before things shift again.

So, here’s what I’d suggest:

1. Take a look at what type of loan you’re on.

2. Run the numbers - even a small rate change can make a big difference.

3. If you’re unsure, talk to someone who actually understands dental businesses (that’s us!).

If you’d like to explore whether refinancing makes sense for your practice, let’s chat. Reach out to Uros or me, we are here to help!

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Every pound saved on interest is a pound you can put back into growing your practice - and that’s what I love helping dentists achieve.

Speak soon,

Arun