Mortgages Made Simple | First-Time Buyer Guide

Mortgages Made Simple | First-Time Buyer Guide

Author: Phil Spencer: UK Property Expert February 25, 2026 Duration: 11:38
Mortgages made simple- if you’re a first-time buyer, this one’s for you! In this special compilation episode we’re bringing together the most valuable mortgage and interest rate guidance from recent conversations with Phil Spencer and Skipton’s experts from our First Home Focus channel. This is a dedicated channel, in association with Skipton Building Society, where we share tips for navigating buying your first property. If you’re trying to make sense of rising rates, fixed vs tracker deals, or how much you can realistically borrow, this episode cuts through the jargon and explains what actually matters. Whether you’re saving for a deposit or ready to speak to a lender, this is essential listening to help you move forward with clarity and confidence! Let us know in the comments: what do you find most confusing about mortgages right now? Make sure to subscribe to the First Home Focus channel so you don’t miss future episodes! 👉 VIDEO TIMESTAMPS  Chapters 00:00 Introduction 00:45 How are interest rates calculated? 01:43 Mortgage In Principle 03:19 What criteria do lenders take into consideration? 04:53 Fixed vs Variable Rates- How to Decide 07:40 How to secure the best rate 09:07 Where to get mortgage advice Liked this video? We have more episodes on remortgaging as well as other first-time buyer guidance on the channel. 👉 SUBSCRIBE TO OUR CHANNELS 🔗 @MoveiQ 🔗 @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 @moveiq 📲TIKTOK @philspencertv 📲FACEBOOK MoveiQ 📲YOUTUBE @MoveiQ @FirstHomeFocus @SkiptonBuildingSociety @sbsintermediaries 📲LINKEDIN / Move iQ Skipton Building Society and Skipton Building Society for Intermediaries

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
Which Home Energy Upgrades Are Worth It? [not-audio_url] [/not-audio_url]

Duration: 15:39
Heat pumps, solar panels, and smart tech – are they the future of home energy, or just an expensive headache? In this episode, Phil Spencer is joined again by David Sanders from Vibrant Energy Matters to discuss what upg…
Why Do Millions of UK Homes Need Improving? [not-audio_url] [/not-audio_url]

Duration: 12:19
In this latest episode of our retrofit series, Phil and David from Vibrant Energy Matters look at why millions of UK homes need improving, what “smarter” retrofit guidance could look like for homeowners, and why a one-si…
What’s Really Happening With Mortgage Rates in 2026? [not-audio_url] [/not-audio_url]

Duration: 14:03
Worried about what global uncertainty means for your mortgage? You're not alone. In this episode, Phil Spencer sits down virtually with Charlotte from Skipton Building Society to talk through what's really driving mortga…
EPCs Explained: Useful Tool or Tick-Box Exercise? [not-audio_url] [/not-audio_url]

Duration: 12:15
Energy Performance Certificates (EPCs) are everywhere - but do they actually help homeowners make decisions? Alongside expert insight from David Sanders from Vibrant Energy Matters, Phil Spencer breaks down what EPC rati…
Making Your Home Cheaper to Run [not-audio_url] [/not-audio_url]

Duration: 9:14
Want to lower your energy bills but don't know where to start? In this first episode of our new retrofit series, Phil Spencer sits down with Daniel from Vibrant Energy Matters to answer the question everyone's asking: wh…
The Common Mistakes Home Movers Make [not-audio_url] [/not-audio_url]

Duration: 34:13
Looking for a new home? Don't let emotion cloud your judgment! In this episode, Sara and Lexie discuss the most common mistakes home movers make, from falling head over heels at first viewing to overlooking the practical…
What Actually Adds Value to Your Home …and What’s a Waste? [not-audio_url] [/not-audio_url]

Duration: 30:00
Everyone says “just do the kitchen”… but is that really what adds value to your home? In this episode, we’re cutting through the home renovation myths to look at what actually makes a difference - and what could end up b…
When Property Sales Don't Go to Plan [not-audio_url] [/not-audio_url]

Duration: 6:37
Property sales don’t always go exactly to plan; from gazumping and delays due to collapsed property chains, there are a number of common pitfalls that can disrupt a move. In this final episode of our conveyancing series…
How to Protect Your Property Purchase [not-audio_url] [/not-audio_url]

Duration: 11:26
Buying or selling a home can already feel stressful, but a few common problems during the conveyancing process can quickly throw a move off track. Today Phil and Sarah from Napthens Solicitors are discussing how to prote…
How to Get Support with Your Mortgage [not-audio_url] [/not-audio_url]

Duration: 7:46
In the final episode of our mortgage series, Phil discusses with Emma from Skipton Building Society about how to get support with your mortgage. If you’re struggling with mortgage payments or feeling the pressure of risi…