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
How to Get a Home Loan When Self Employed [not-audio_url] [/not-audio_url]

Duration: 5:50
Phil sits down for a chat with Andy of Skipton Building Society as he outlines the considerations and paperwork you'll need if you're self employed and looking to secure a mortgage. Tune in for: Who qualifies as self emp…
Shared Ownership is it a Good Idea? [not-audio_url] [/not-audio_url]

Duration: 5:51
Shared ownership isn't for everyone - but if you're a first time buyer it could be the option for you. In association with Skipton Building Society we share the pros and cons of shared ownership to help you decide if its…
First Time Home Buyer Insurance [not-audio_url] [/not-audio_url]

Duration: 7:20
Breaking down first time home buyer insurance if you about to become a #firsttimebuyer. In associaiton with Skipton Building Society we've broken down the basics. Tune in for: Types of insurance Policy add ons to conside…
Buying a House For The First Time [not-audio_url] [/not-audio_url]

Duration: 9:52
If you're buying a home for the first time you're in the right place. First Home Focus is brought to you by Move iQ in association with Skipton Building Society helping all first time home buyers get onto the property la…
What is a Guarantor on a Loan [not-audio_url] [/not-audio_url]

Duration: 6:29
We share what a guarantor on a loan means if you're a #firsttimehomebuyer aspiring to buy your first property. Emma from Skipton Building Society sits down with Phil to explains how income booster mortgages work and the…
Are Build to Rent Homes in the UK too Expensive? [not-audio_url] [/not-audio_url]

Duration: 24:38
Phil chats with Rachel Hanniquet-Brooking, an operator of build to rent schemes and adviser to Propertymark on this growing sector of the UK housing market. Despite only, currently, forming a small part of the private re…
Housing Market 2025 | Whats Ahead? [not-audio_url] [/not-audio_url]

Duration: 32:18
As we close out of 2024 UK housing market we look at what's ahead for 2025. Phil checks in with Nathan Emerson of Propertymark to get the latest on the UK housing market as well as answering some of your questions. Tune…
10 First Time Buyer Mistakes [not-audio_url] [/not-audio_url]

Duration: 7:46
Here are 10 first time buyer mistakes so you can avoid them! Brought to you by Move iQ in association with Skipton Building Society, Louise Gookey shares our insight to help all aspiring first-time homebuyers get on the…
How Does a Mortgage Work [not-audio_url] [/not-audio_url]

Duration: 19:26
Join Phil Spencer and mortgage expert Umera Patel, in collaboration with Skipton Building Society, as they tackle common questions for first-time homebuyers. Essential advice for anyone aiming to buy their first home! Tu…
Mortgage Offer for First Time Buyer [not-audio_url] [/not-audio_url]

Duration: 5:04
Having a mortgage offer as a first time buyer is exciting - you've been approved 🙌 Joining Phil to explain a bit more about mortgage offers, how long they last and what to do if you need to extend is Andy from Skipton Bu…