First-Time Remortgage Guide

First-Time Remortgage Guide

Author: Phil Spencer: UK Property Expert March 6, 2026 Duration: 6:43
In this first episode of our six-part series on understanding your mortgage, we’re joined by Simon from Skipton Building Society to break down the essentials: a guide to remortgaging for the first time. We explore what remortgaging means, how to get ready for your current deal coming to an end, and how to compare mortgage options with confidence. If your product is nearing its expiry date, this episode will help you understand your choices and take your next step with clarity. Remortgaging is simply switching to a new mortgage deal, either with your current lender or a new one. Preparing early can help you avoid higher rates, and comparing deals properly means looking beyond just the headline interest rate. 👉 VIDEO TIMESTAMPS 00:00 - Introduction 01:22 - Defining remortgaging 02:52 - How to prepare for your current product coming to an end 04:32 - How to compare deals Liked this video? We have more episodes on remortgaging as well as other first-time buyer advice on the channel. 👉 SUBSCRIBE TO THE CHANNEL 🔗 https://www.youtube.com/@FirstHomeFocus 👉 GET PHIL SPENCER'S ADVICE DIRECT TO YOUR INBOX ✉ 🔗 https://www.moveiq.co.uk/newsletter-signup 👉 VISIT THE MOVE iQ WEBSITE 💻 🔗 https://www.moveiq.co.uk 👉 VISIT THE SKIPTON WEBSITE 💻 🔗 https://www.skipton.co.uk/ ➤ CONNECT WITH US ON SOCIAL 👇 📲INSTAGRAM / https://www.instagram.com/moveiq/ https://www.instagram.com/skiptonbuildingsociety/ 📲TIKTOK / https://www.tiktok.com/@philspencertv https://www.tiktok.com/@skiptonbuildingsociety 📲FACEBOOK / https://www.facebook.com/MoveiQ https://www.facebook.com/profile.php?id=100089929007393 📲LINKEDIN / https://www.linkedin.com/company/move-iq https://www.linkedin.com/company/skipton-building-society and https://www.linkedin.com/showcase/skipton-building-society-for-intermediaries/ 📲YOUTUBE https://www.youtube.com/@MoveiQ https://www.youtube.com/@skiptonbuildingsociety https://www.youtube.com/@UC6kPoZo1QVc2NaWgywq3D-w

For over a quarter of a century, Phil Spencer has navigated the complexities of the UK property market, and he brings that wealth of experience directly to you. The Move iQ Podcast is a deep, practical resource that demystifies the entire process of buying, selling, and managing a home. Phil’s conversations go beyond simple tips, offering nuanced guidance on everything from deciphering market trends and negotiating offers to understanding the finer points of renovations and property investment. This isn't just theoretical advice; it's grounded, actionable insight designed to empower your decisions. You'll hear detailed discussions on financial planning, legal intricacies, and the often-overlooked emotional aspects of moving house. Whether you're taking your first tentative steps onto the property ladder or looking to strategically grow a portfolio, this podcast provides the clarity and confidence needed to navigate an often daunting landscape. Tune in for a straightforward, expert-led dialogue that treats property not just as a transaction, but as a fundamental part of your life journey. Each episode with Phil Spencer, a trusted UK property expert, is crafted to help you move forward with greater knowledge and assurance.
Author: Language: English Episodes: 100

Move iQ Podcast
Podcast Episodes
Property Experts Reveal Their Top Tips [not-audio_url] [/not-audio_url]

Duration: 19:19
In this special compilation episode of the Move iQ Podcast, Phil Spencer and leading property experts share their top tips to help you make smarter decisions when buying or selling a home. We take a closer look at why ch…
The Real Costs of Home Renovation [not-audio_url] [/not-audio_url]

Duration: 38:34
In this episode, Nic and Lexie break down the real costs of home renovation, discussing what different renovation budgets can achieve whether you’ve got £10k, £20k or £50k to play with. They explore the real-world costs…
10 Questions That Reveal the Truth About a Property [not-audio_url] [/not-audio_url]

Duration: 14:23
This week Nic and Lexie are discussing 10 questions that buyers should be asking the seller and estate agent to find out the truth about a property. Discover which key questions reveal a home’s history, its hidden issues…
98% Can't Afford to Buy! | Mortgage Market Update [not-audio_url] [/not-audio_url]

Duration: 18:27
With interest rates shifting and affordability under pressure, this episode offers some perspective into why so many people still can’t get onto the property ladder and what’s changing in the mortgage world right now. Ph…
Which Property Trends are Heating Up This Winter? [not-audio_url] [/not-audio_url]

Duration: 11:37
The Move iQ Podcast hit the road again and this time we were at the Surrey Propertymark Conference in Epsom where we had a great day chatting to local sales and lettings agents. We found out how current trends are shapin…
Are Government Policies Helping or Hurting the Housing Market? [not-audio_url] [/not-audio_url]

Duration: 26:05
Are the Government's housing plans working? 🏠 Phil sits down with Timothy Douglas from Propertymark to unpack how current government policies are shaping the UK housing market. Tune in for: Is the 1.5 million new homes t…
The Market Maze! | UK Housing Market Update [not-audio_url] [/not-audio_url]

Duration: 26:00
The UK housing market can feel like a maze right now. In this housing market update, Phil Spencer talks with Nathan Emerson, CEO of Propertymark, about what's really happening. Discussing buyer behaviour and affordabilit…
How a Buying Agent Can Save You Time & Money [not-audio_url] [/not-audio_url]

Duration: 33:21
We chat to Property Finder Gemma Dawe about what it's really like to work with a Buying Agent in the UK, and how much it can improve your property-searching journey. While hiring a Buying Agent is common in countries lik…