What’s Really Happening With Mortgage Rates in 2026?

What’s Really Happening With Mortgage Rates in 2026?

Author: Phil Spencer: UK Property Expert May 22, 2026 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 mortgage rates right now, how global events are affecting the UK housing market, and what it all means for anyone trying to buy or remortgage in 2026. They discuss the impact of oil prices and inflation on interest rates, why mortgage rates are moving more than usual, and what first time buyers need to know about affordability in today's market. Plus, they offer practical advice for anyone feeling overwhelmed by the headlines and explainswhat to do if you're coming off a low fixed rate this year. Are you a first time buyer, or are you remortgaging soon? What's your biggest concern right now? Let us know in the comments 💬 👉 VIDEO TIMESTAMPS ⏳ Chapters 00:00 Introduction 00:26 How Global Conflicts Are Affecting UK Mortgage Rates 02:50 The Changing Face of Home Affordability 03:56 First Time Buyer Demographics: The New Reality 05:25 Innovative Mortgage Products: Track Record 06:53 Delayed Start Mortgages and Zero Deposit Options 08:14 Essential Advice for Aspiring First Time Buyers 10:57 Market Outlook and Remortgage Considerations Enjoyed this video? Want to see more? Subscribe to the channel with the link below. That way, you won't miss any future uploads! 👉 SUBSCRIBE TO THE FIRST HOME FOCUS YOUTUBE CHANNEL 🔗 @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 ➤ CONNECT WITH US ON SOCIAL 👇 📲 INSTAGRAM https://www.instagram.com/moveiq 📲TIKTOK https://www.tiktok.com/@philspencertv 📲FACEBOOK https://www.facebook.com/MoveiQ/ 📲X https://x.com/MoveiQProperty @sbsintermediaries

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
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