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
What Home Can I Afford? [not-audio_url] [/not-audio_url]

Duration: 7:50
Do you know what factors influence what house you can afford? In this episode of our First-Home Focus podcast series, Property expert and Move iQ founder Phil Spencer breaks down all the elements that factor into what yo…
First Time Home Buyer Financing [not-audio_url] [/not-audio_url]

Duration: 7:53
Budgeting and planning are crucial for first time buyers. Andy Charalambous of Skipton Building Society speaks to Phil about understanding the finances and fees included in the home buying process and beyond. Tune in for…
What Is a Shared Ownership Mortgage? [not-audio_url] [/not-audio_url]

Duration: 8:58
Could shared ownership be an option for you? In this part of our First-Home Focus podcast series, Phil is joined by Emma Jaggar to explain what a shared ownership mortgage is and the important things to understand if you…
Can I Afford a Mortgage? [not-audio_url] [/not-audio_url]

Duration: 11:25
Do you know what mortgage you can afford? In this First-Home Focus podcast series episode, Mortgage and Protection Expert, Umera Patel from Skipton Building Society speaks to Phil about how to find the most suitable mort…
How Interest Works on a Mortgage [not-audio_url] [/not-audio_url]

Duration: 11:34
Interest impacts many variables that make up your mortgage. As part of our First-Home Focus podcast series, Emma Jaggar, Mortgage Protection Specialist for Skipton Building Society chats to Phil and explains how and why…
First Time Home Buyer Mortgage Eligibility [not-audio_url] [/not-audio_url]

Duration: 10:16
What factors impact a first-time home buyers mortgage eligibility? In this episode of our First-Home Focus podcast series, Phil Spencer is joined by Mortgage and Protection Expert, Umera Patel from Skipton Building Socie…
Saving Schemes for First-Time Buyers [not-audio_url] [/not-audio_url]

Duration: 13:55
Do you know all the saving schemes avalible to you as a first time buyer? As part of our First-Home Focus podcast series, Phil sat down with Emma Jaggar from Skipton Building Society to hear more about the different sche…
Interviewing the Property Expert Himself! [not-audio_url] [/not-audio_url]

Duration: 26:05
Our new podcast co-host Louise Gookey interviews a property expert - Phil Spencer! Louise chats to Phil about his journey into property, and how his home buying agency led him into being on our screens for 25 years (and…
Will We Ever Speed Up the Home Buying Process in the UK? [not-audio_url] [/not-audio_url]

Duration: 16:31
We're always keen to hear about new and evolving processes or technology to improve parts of the homebuying process. In this case, the length of time it takes to buy and sell property in the UK has long been a frustratio…
What Do People Really Think About The Housing Market? [not-audio_url] [/not-audio_url]

Duration: 24:31
We're always keen to hear what people really think about the housing market, and really appreciate anyone that takes the time leave a comment. Everyone has an opinion and its often very varied. So in our latest podcast P…