There’s a lot of noise at the moment around pressure in primary care.

Rising costs, structural change, and ongoing uncertainty have left many GP practices questioning how sustainable the model really is.

But from a banking perspective, the view is very different.

In this episode of Beyond the Balance Sheet, Katie Collin is joined by Lucy Brine, Director of Healthcare at Lloyds Bank, to talk through how GP practices are actually being assessed when it comes to funding, risk and long-term stability.

It’s a perspective most practices don’t usually get access to.

They discuss what really matters behind the scenes, from partnership structures through to premises and cash flow, and how lending decisions are actually made.

• Why GP practices are still seen as a stable sector
• What banks look at when funding buy-ins, buy-outs and premises
• Why valuations don’t always match expectations
• How partnership structures affect lending decisions
• How PCNs have evolved and the challenges around managing shared funds
• Where cash flow pressure is actually showing up

If you’re making decisions around growth, property or partnership changes, this episode gives you the context you need.

In this episode of Beyond the Balance Sheet, Katie Collin is joined by Dr Matt Slavin, clinical psychologist and performance specialist, to unpack what stress is really doing to primary care leaders and what it takes to stay effective without burning out.

This is a practical conversation for GP partners, PCN leaders and clinicians carrying responsibility across a system in constant change. They explore why burnout is rarely about “needing a break”, and more often about prolonged pressure, weak boundaries, and a system that never properly resets.

Together, they cover:

→ Why chronic stress stops you thinking clearly (and pushes you into reactive mode)

→ What burnout actually looks like in the body and brain, and why rest alone doesn’t fix it

→ Compassion fatigue, secondary trauma, and the emotional load clinicians carry

→ Leadership transitions, partnership change, and the unspoken pressures that follow

→ The habits that protect performance: boundaries, decompression, focus, and reset routines

If you’ve been feeling tired-but-wired, permanently behind, or like you’re carrying more than is sustainable, this episode gives a clear starting point and practical tools you can actually use.

Guest: Dr Matt Slavin, Clinical Psychologist and Performance Specialist.

Resources & Links:

Connect with Katie Collin https://www.linkedin.com/in/katie-collin/ and Ramsay Brown https://ramsaybrown.com/

Connect with Dr Matt Slavin https://www.drmattslavin.com/

In this episode of Beyond the Balance Sheet, Katie Collin sits down with Graham Crossley, founder of Medifintech and an NHS pension specialist, to unpack one of the most persistent and misunderstood issues facing NHS professionals today: whether their pension record can actually be trusted.

With widespread missing service, administrative errors and ongoing delays linked to the McCloud Remedy, many GPs and consultants are unsure where they stand or what action they should be taking. Graham explains why these issues are far more common than most people realise and why making decisions without first checking the underlying data can be costly.

In this episode, they explore:

• Why NHS pension records frequently contain missing or incorrect service

• The first document members should request to sense-check their pension record

• McCloud Remedy explained in practical terms

• The difference between RPSS and RSS and why so many members are still waiting

• Why large tax bills should not be viewed in isolation

• The risks of opting out or “opting in and out” without proper modelling

• Contingent Decisions and reinstating service: when it can help and when it can go wrong

• What NHS pension members should do next

Guest:

Graham Crosley

Founder of Medifintech. Graham specialises in NHS pensions, supporting members, accountants and advisers with pension analysis, error correction and complex issues including McCloud Remedy, annual allowance and service reinstatement.

Resources and links:

Connect with Katie Collin

Connect with Ramsay Brown

Connect with Graham Crossley

Learn more about Medifintech

Disclaimer

This podcast is for general information only. Ramsay Brown are chartered accountants, not financial advisers. NHS pension and tax decisions can have significant long-term consequences and advice should be taken based on individual circumstances.