Mortgages Made Simple | First-Time Buyer Guide

Mortgages Made Simple | First-Time Buyer Guide

Author: Phil Spencer: UK Property Expert February 25, 2026 Duration: 11:39
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: 50

Move iQ Podcast
Podcast Episodes
From Homeowner to Landlord - This Wasn't the Plan! [not-audio_url] [/not-audio_url]

Duration: 11:56
What happens when you buy a property expecting to sell a few years down the line… and it just doesn’t?😫 In this episode, Phil Spencer sits down with Alex, Move iQ’s Head of Partnerships, to talk candidly about going from…
Phil Spencer Exclusive: MBE Reaction! [not-audio_url] [/not-audio_url]

Duration: 9:26
2026 is off to a great start for Phil 🎬✨ In this special sit-down, Managing Director Amanda joins Phil to reflect on an incredible 2025 - from being awarded an MBE to taking home a Scottish BAFTA. They also look ahead to…
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: 38:35
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…
Smaller Home, Bigger Life? - The Upside of Downsizing [not-audio_url] [/not-audio_url]

Duration: 21:34
Thinking about downsizing? 🏘️ In this episode, Phil Spencer chats with Nick Sanderson from Audley Group about what it really means to downsize and why it’s not just about a big house being too much to manage in later yea…
10 Questions That Reveal the Truth About a Property [not-audio_url] [/not-audio_url]

Duration: 14:24
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: 11:38
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…