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
Stamp Duty for First Time Buyers [not-audio_url] [/not-audio_url]

Duration: 4:31
In this First Home Focus episode brought to you by Move iQ & Skipton Building Society, Louise Gookey breaks down all you need to know about stamp duty for first time buyers. Tune in for: What is stamp duty land tax? If t…
Can I Afford a Mortgage? [not-audio_url] [/not-audio_url]

Duration: 11:57
Andy Charalambous of Skipton Building Society speaks to Phil about what mortgage lenders are looking for from mortgage applicants. From your credit report to the deposit and how these and other factors influence what a l…
How You Buy a House [not-audio_url] [/not-audio_url]

Duration: 9:01
First home focus is here to share tips on how to buy a house. Between Move iQ & Skipton Building Society we've put together a 10 step plan to help you on your way to buying your first home. Tune in for: Location Location…
Questions to Ask as First Time Home Buyer [not-audio_url] [/not-audio_url]

Duration: 6:12
In association with Skipton Building Society, Louise Gookey offers some must ask questions for first time buyers. From affordability to location, property condition, and leasehold vs. freehold, we cover all the bases. Pl…
Buying a House Checklist [not-audio_url] [/not-audio_url]

Duration: 7:06
Buying your first home can feel overwhelming, but we've got you covered! Louise Gookey breaks down a simple 10-point checklist to guide you through every step of the first-time buying process. From saving for a deposit t…
Buying a House With My Partner [not-audio_url] [/not-audio_url]

Duration: 5:18
In association with Skipton Building Society, we share advice if you're considering buying a house with a partner. It's always advisable to seek legal advice but to give you a headline understanding here's Louise with an…
Mortgage in Principle for First Time Buyer [not-audio_url] [/not-audio_url]

Duration: 5:56
Phil Spencer is joined by Andy from Skipton Building Society to explain what a mortgage in principle is, when to get one and how to use it. Tune in for: Advantage of having a DIP How long it lasts Top tips First-Home Foc…
Local Housing Markets, Insight & Advice from Estate Agents [not-audio_url] [/not-audio_url]

Duration: 12:46
The Move iQ Podcast is back on the road, this time to the Propertymark regional conference in Sussex to discuss local housing markets and gain insight & advice from estate agents on the ground for renters, sellers and bu…
What is a First Time Home Buyer? [not-audio_url] [/not-audio_url]

Duration: 7:24
Do you know what it means to be a first-time buyer? In this episode of our First-Home Focus podcast series, we break down what a first time homebuyer is, so you can be crystal clear before you start your homebuying journ…
Top Tips for First Time Buyers [not-audio_url] [/not-audio_url]

Duration: 9:31
Property expert and Move iQ founder Phil Spencer is back in this episode of our First-Home Focus podcast series, offering key tips to support first-time buyers on their property journey. There's a lot to unpack but in as…