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
Mortgage Affordability in 2025 [not-audio_url] [/not-audio_url]

Duration: 14:32
Phil sits down for an insightful conversation with Charlotte Harrison, CEO of Homes at Skipton Building Society. They discuss the current mortgage market, rates, affordability and center the discussion around first time…
Is Now a Good Time to Sell a House in 2025? [not-audio_url] [/not-audio_url]

Duration: 12:48
Phil chats to Toby Leek of Propertymark to get an understanding of what local agents are seeing in their local housing markets. The spring market is traditionally a busy time for the housing market, but is now a good tim…
Local Housing Market Insights From Estate Agents [not-audio_url] [/not-audio_url]

Duration: 10:26
The Move iQ Podcast is back at another Propertymark regional conference. New area means new insights and this time we are in Oxfordshire to discuss local housing markets and get insights from estate agents on the ground…
Stamp Duty Countdown to April [not-audio_url] [/not-audio_url]

Duration: 3:56
In this First Home Focus episode, we cover the countdown to the imminent stamp duty change and how it will be calculated from April 1st 2025. Tune in for: New Thresholds Example on a £295,000 property Why are things chan…
Buying a Fixer Upper House First Home [not-audio_url] [/not-audio_url]

Duration: 5:06
Are you a first-time buyer considering buying a fixer-upper house for your first home? It's not always an obvious choice, so in association with Skipton Building Society, we at Move iQ wanted to shine a light on it for y…
First Time Home Buyer Home [not-audio_url] [/not-audio_url]

Duration: 4:25
A first time home buyer home starts with a clear idea of what you want - but that's not always easy. In association with Skipton Building Society we share some important considerations to help define your wants Vs your n…
How to Get a Mortgage Loan With Bad Credit [not-audio_url] [/not-audio_url]

Duration: 7:11
How to get a mortgage loan with bad credit isn't a question most first-time buyers ask, but its worth paying attention to what this is and them potential impact it could have on your mortgage application. Umera Patel of…
How to Save for a House Deposit [not-audio_url] [/not-audio_url]

Duration: 5:04
First time buyers tune in! We're sharing tips on how to save for a house deposit, in association with Skipton Building Society. Tune in for: How much will you need? Deposit examples First-Home Focus is brought to you on…
Documents Needed For First Time Home Buyer [not-audio_url] [/not-audio_url]

Duration: 5:20
Knowing the documents you need on your first home journey can be hard to keep up with so in association with Skipton Building Society we summarise a handy checklist to help explain things for you. Tune in for: What mortg…
How to Find Off Market Homes [not-audio_url] [/not-audio_url]

Duration: 5:07
Do you know how to find off market homes? As a first time buyer you possibly don't so in association with Skipton Building Society we're going to share some tips should this be a route you want to explore. At first home…