Bank of England Cuts Base Rate to 4.5% – What This Means for Your Dental Practice

Hi everyone,   

The Bank of England has reduced the Base Rate to 4.5%. What does this mean for your dental practice? 

If you have variable-rate loans, this is good news. Lower interest rates mean lower repayments, freeing up cash for investment or simply easing financial pressure. 

How Does This Affect Your Loan? 

Your total loan interest typically consists of: 
🔹 Your bank’s margin (e.g., 2.5%) 
🔹 The Bank of England Base Rate (now 4.5%) 

So, if your previous rate was 7.25%, it’s now dropped to 7%—small but significant savings over time. 

Is It Time to Refinance? 

With interest rates falling, now’s a great time to review your financing. You should consider refinancing if: 
✅ Your loan margin is 3% or higher 
✅ Your fixed-rate deal is ending soon 
✅ Your lender’s terms are no longer competitive 
✅ You need to release funds for growth or new equipment 

At Samera, we’ve been helping dentists across the UK secure the best financing deals. Just last week, we arranged: 

💷 £1,525,000 for a second practice purchase in the South West 
💷 £800,000 for a first practice purchase in London 
💷 £1,475,000 for a first practice and freehold purchase in the Midlands 
💷 £800,000 for a second practice on the South Coast 

With interest rates down, securing the right deal could mean significant long-term savings. If you’re considering refinancing or expanding your practice, now is the time to act.  

Book a free consultation with Nigel or Uros today and ensure you’re not overpaying on your practice finance. 

Best regards, 
Arun