Phil is joined by Emma from Skipton Building Society to explain product transfers and what to do when your fixed rate mortgage deal ends. If you’re unsure whether to switch lenders or stay put, this conversation focuses on the option of moving onto a new deal with your existing lender.

When your deal comes to an end, you don’t have to accept your lender’s reversionary rate. A product transfer allows you to switch to a new deal with the same lender, often with a simpler process. Understanding your options early can help you avoid higher repayments and make a more informed choice.

If your fixed rate is nearing its expiry date, this episode will help you understand your options and decide whether a product transfer could be the right fit.

👉 VIDEO TIMESTAMPS

• 00:00 Introduction
• 00:25 What happens when fixed rate deals end?
• 02:11 Staying with the same lender
• 03:26 Avoiding the reversionary rate
• 04:14 How product transfers could save you money

Buying a home involves far more than just agreeing a price. Behind the scenes, your solicitor carries out a series of legal checks and property searches designed to protect both you and your purchase.

In this episode of our conveyancing series with Napthens Solicitors, we break down what these checks actually involve and why they’re a crucial part of the home-buying process.

Whether you’re a first-time buyer or planning your next move, understanding these steps can give you confidence before committing to a property.

Keep an eye out for more episodes in this conveyancing series every Wednesday.

Enjoyed this video? Want to see more? Subscribe to the channel with the link below. That way, you won't miss any future uploads.

👉 VIDEO TIMESTAMPS ⏳

• 00:00:00 Introduction
• 00:00:46 Recap of the conveyancing process
• 00:02:03 Understanding property titles
• 00:02:55 Leasehold properties explained
• 00:04:30 What are property searches?
• 00:05:08 What local authority searches reveal
• 00:05:43 When searches need renewing
• 00:06:13 The draft contract explained
• 00:08:33 Reviewing the draft contract
• 00:09:20 Common red flags and how to handle them
• 00:12:15 The role of indemnity insurance
• 00:13:37 Communication and timing expectations

What exactly does a buying agent or property finder do? In this episode, Phil Spencer hosts a panel discusssion with David, Jennifer and Danny, from Garrington Property Finders to explore the role of buying agents/property finders in the UK and how they support people through the property buying process.

They discuss how buying agents help buyers identify the right properties, access opportunities that may never reach the open market, and provide guidance and negotiation expertise during what can often be a complex and competitive process. If you’re planning to buy a home and have wondered whether a buying agent could help, this conversation explains how the service works and when it might be worth considering.

👉VIDEO TIMESTAMPS ⏱️

• 00:00:00 Introduction
• 00:01:13 What does a buying agent do?
• 00:06:13 How buyers can best position themselves
• 00:09:03 Understanding vendor motivation and situation
• 00:11:37 What to look for during property viewings
• 00:13:15 Negotiation tips and research strategies
• 00:15:01 Regional hotspots and value opportunities
• 00:21:09 How AI and technology are changing property buying
• 00:23:36 Managing the conveyancing process and avoiding delays
• 00:24:41 Common buyer mistakes and myths to avoid

This episode is a guide to porting your mortgage. Phil is joined by Simon from @SkiptonBuildingSociety to unpack the ins and outs of the process, so if you’re planning a move but keen to keep your current mortgage deal, this conversation explains what porting actually means and how it works in practice.

Porting a mortgage allows you to transfer your existing deal to a new property, but it’s not automatic and approval is still required. Planning ahead and understanding your lender’s requirements can make the process far less stressful.

From understanding lender criteria to knowing what checks are involved, this episode is designed to help you decide whether porting your mortgage is the right move for your next home.

👉 VIDEO TIMESTAMPS

• 00:00:00 Introduction
• 00:00:18 What is porting a mortgage?
• 00:03:38 Tips to make sure the process is smooth
• 00:04:24 When should you consider porting a mortgage?

Today we’re discussing how to keep your property sale moving smoothly- and what the legal timeline actually entails. From offer accepted to completion can often take months, and Phil and Sarah from Napthens Solicitors are here to explain what’s actually going on during that time.

If you’re buying or selling soon, follow along this series as we guide you through the conveyancing process. We have podcast episodes on all-things property every week- subscribe so you don’t miss out!

👉 VIDEO TIMESTAMPS ⏳

• 00:00 Introduction
• 00:49 Getting started with your conveyancer
• 01:41 Reviewing the draft contract and property pack
• 02:15 Raising inquiries and checking property details
• 05:12 Property searches explained
• 06:35 The mortgage offer and lender panels
• 07:53 Preparing for exchange of contracts
• 09:12 Exchange of contracts process
• 10:28 Insurance and risk after exchange
• 11:33 Completion day and key collection
• 14:06 Land Registry registration
• 15:58 Recap and next steps

In this episode, Phil Spencer is joined by Nathan Emerson, CEO of Propertymark, for the latest UK property market update and what shifts we are seeing in 2026.

They discuss what’s really happening across the property market as we head into spring 2026, including trends and current affairs affecting buyers, sellers and renters, and what estate agents are seeing on the ground across the country.

If you’re planning to buy, sell, rent, let out property, or move home, this episode will help you understand what’s happening in the market and what it could mean for you.

👉 VIDEO TIMESTAMPS ⏳

• 00:00 Introduction
• 01:27 The state of the property market in the past year
• 02:56 Regional variations and market sentiment
• 04:01 The rise of first-time buyers & is it more difficult to buy/sell flats?
• 05:23 How AI and technology are transforming property
• 10:23 The importance of communication in property transactions
• 13:49 Choosing the right estate agent
• 16:36 Long-term challenges facing the housing market

In this episode, Phil Spencer is joined by Nathan Emerson, CEO of Propertymark, for the latest UK property market update and what shifts we are seeing in 2026.

They discuss what’s really happening across the property market as we head into spring 2026, including trends and current affairs affecting buyers, sellers and renters, and what estate agents are seeing on the ground across the country.

If you’re planning to buy, sell, rent, let out property, or move home, this episode will help you understand what’s happening in the market and what it could mean for you.

👉 VIDEO TIMESTAMPS ⏳

• 00:00 Introduction
• 01:27 The state of the property market in the past year
• 02:56 Regional variations and market sentiment
• 04:01 The rise of first-time buyers & is it more difficult to buy/sell flats?
• 05:23 How AI and technology are transforming property
• 10:23 The importance of communication in property transactions
• 13:49 Choosing the right estate agent
• 16:36 Long-term challenges facing the housing market

In this episode, Phil sits down with Emma from Skipton Building Society to discuss how easy switching mortgage lenders can be. If you’re wondering whether moving away from your current lender is worth it, this conversation covers why homeowners choose to switch, how long the process can take, and what costs you might need to factor in.

Phil and Emma also explore how to compare mortgage deals properly and what support is available along the way, so you’re not navigating the process alone. If your current deal is ending or you’re simply looking for a better option, this episode will help you understand what switching lenders really involves and how to approach it with confidence.

👉 VIDEO TIMESTAMPS

• 00:00 Introduction
• 00:21 Why do people choose to change lender?
• 02:03 How long does it take?
• 03:05 What costs may be involved?
• 04:02 What to look out for when comparing deals
• 05:44 The support available
• 06:46 How to compare deals

In this episode of our conveyancing series, Phil and Sarah explore how to choose the right conveyancer and get your property sale off to the best possible start. From finding a solicitor to understanding what happens once you’ve instructed one, they break down the key steps and what you should be thinking about early in the process. Choosing the right conveyancer can make a real difference, helping to avoid delays and unnecessary stress later on.

This series, sponsored by Napthens Solicitors, focuses on the legal side of moving home. Across the episodes, we guide you through the conveyancing process step by step, helping you understand what to expect so you can move forward with confidence.

👉 VIDEO TIMESTAMPS ⏳

• 00:00 Introduction
• 00:36 Why Your Choice of Conveyancer Matters
• 01:12 Key Questions to Ask Your Conveyancer
• 02:22 Communication and Technology
• 03:35 Understanding Source of Funds Requirements
• 05:44 Local vs Online Conveyancers
• 06:55 The Importance of Continuity
• 08:24 How Buyers Can Speed Up the Process
• 09:20 Solicitor vs Licensed Conveyancer
• 10:52 Final Advice

In this first episode of our six-part series on understanding your mortgage, we’re joined by Simon from Skipton Building Society to break down the essentials: a guide to remortgaging for the first time. We explore what remortgaging means, how to get ready for your current deal coming to an end, and how to compare mortgage options with confidence.
If your product is nearing its expiry date, this episode will help you understand your choices and take your next step with clarity.

Remortgaging is simply switching to a new mortgage deal, either with your current lender or a new one. Preparing early can help you avoid higher rates, and comparing deals properly means looking beyond just the headline interest rate.

👉 VIDEO TIMESTAMPS
00:00 - Introduction
01:22 - Defining remortgaging
02:52 - How to prepare for your current product coming to an end
04:32 - How to compare deals

Liked this video? We have more episodes on remortgaging as well as other first-time buyer advice on the channel.

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