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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What is conveyancing - and what is your solicitor actually doing when you buy a home?

In this new series in collaboration with Napthens Solicitors, we break down the full legal process of buying and selling a property in plain English. If you’ve ever wondered what happens behind the scenes during your purchase - and why it costs what it does - this is for you.

From instructing a solicitor and providing proof of funds, to understanding searches, contracts, and the common mistakes that can delay or derail a move, we guide you through each stage step by step. Our aim is simple: to help you feel informed, confident, and prepared. Because when it comes to buying your home, understanding the legal process can make all the difference.

Follow the series as we unpack every step of the journey.

👉 VIDEO TIMESTAMPS ⏳

• 00:00:00 Introduction
• 00:00:42 What is Conveyancing and Why Does it Matter?
• 00:01:13 Does it Matter Who Does Your Conveyancing?
• 00:02:03 Solicitors vs Licensed Conveyancers
• 00:03:29 Can You DIY Your Own Conveyancing?
• 00:05:24 Common Misconceptions About Conveyancing
• 00:07:51 Real-World Examples: Good vs Poor Conveyancing
• 00:09:45 When Should You Instruct a Solicitor?
• 00:11:08 Understanding Proof of Funds and Identification
• 00:12:34 What's Covered in the Conveyancing Process

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 

• 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.

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📲LINKEDIN / Move iQ Skipton Building Society and Skipton Building Society for Intermediaries

In this special on-the-road edition of the Move iQ Podcast, recorded live at the Propertymark Conference in Liverpool, we bring you a genuine housing market update for 2026 from the people working in it every single day.

We speak directly to agents about what they’re seeing across their local area in Liverpool and the surrounding areas. From buyer demand and seller confidence to rental pressures and pricing trends. Rather than relying on national headlines, this episode focuses on the reality of what’s happening on the ground right now and how local market conditions are shaping decisions for buyers, sellers and renters.

As we travel across the UK throughout 2026, we’ll continue sharing insights from agents in different regions, giving you a clearer picture of how the housing market is performing in each reigon.

If you want trusted insight from professionals who understand their local patch inside out, you’re in the right place.

👉 VIDEO TIMESTAMPS ⏳
00:00 Introduction
00:29 Buyer demand
01:06 Tenant demand
02:01 Insight into pricing
03:55 Rental availability
04:57 Why Propertymark matters
05:47 Sales availability
07:02 Are rental prices rising?
08:18 Transaction times in 2026
09:34 Renters affordability in 2026

👉 FIND YOUR LOCAL PROPERTYMARK AGENT 🔗 https://www.moveiq.co.uk/tools/buying/find-an-estate-agent

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What happens when you buy a property expecting to sell a few years down the line… and it just doesn’t?😫

In this episode, Phil Spencer sits down with Alex, Move iQ’s Head of Partnerships, to talk candidly about going from a homeowner to a landlord. This wasn’t his plan but when selling wasn’t an option, renting out the property instead made the most sense.

Alex shares what it’s like to become a landlord almost overnight, the lessons learned during the process and the advice he has for others in a similar situation. Together, Phil and Alex break down the real-world risks, responsibilities, and decisions that come with renting out an unsold property; from finances and legal obligations to managing tenants and stress levels 🏡 📑

👉TIMESTAMPS ⏱️

• 00:00 Introduction
• 01:07 Alex’s story about becoming an accidental landlord
• 05:19 Pros and cons of renting out your property
• 07:20 Advice for other accidental landlords

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

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2026 is off to a great start for Phil 🎬✨
In this special sit-down, Managing Director Amanda joins Phil to reflect on an incredible 2025 - from being awarded an MBE to taking home a Scottish BAFTA.
They also look ahead to what’s next, including the exciting TV projects on the horizon and what’s coming up at Move iQ. If you want a behind-the-scenes look at the milestones, momentum, and what’s still to come, this is one you won’t want to miss!

👉 VIDEO TIMESTAMPS ⏳
00:00 Introduction
00:14 Phil reflects on his 2025 achievements
01:20 Phil discusses his MBE
03:30 A look at the charities supported by Phil
04:45 A look ahead to 2026
06:35 Plans with Move iQ this year
08:32 Move iQ Mortgages

👉 CHARITIES SUPPORTED BY PHIL
🔗 https://www.mungos.org/
🔗 https://www.thecountryfoodtrust.org/
🔗 https://www.justspringersrescue.co.uk/
🔗 https://www.ellenor.org/
🔗 https://agentsgiving.org/

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That way, you won't miss any future uploads.

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In this special compilation episode of the Move iQ Podcast, Phil Spencer and leading property experts share their top tips to help you make smarter decisions when buying or selling a home.

We take a closer look at why choosing a Propertymark-accredited estate agent helps protect you, your sale, and your peace of mind, we discuss what questions to ask a seller during a viewing, and we look back on what’s been happening in the UK property market over the past year. Whether you’re thinking about selling, buying, or just want trusted property advice, this episode brings together practical insights you can rely on.

To watch the full episodes the clips are from, head over to our YouTube channel.

• 00:00:00 Introduction
• 00:00:27 Louise & Phil chat about industry regulations
• 00:03:27 Phil & Toby Leek discuss challenges for first-time buyers
• 00:06:46 Phil & Nathan Emerson talk about when is good to sell
• 00:12:31 Find Your Local Propertymark Agent
• 00:13:21 Phil & Nathan talk about how best to prep as a seller
• 00:15:57 Nick & Lexie discuss what buyers should ask during a viewing
• 00:17:50 Phil & Toby answer a listener question
• 00:18:56 Outro

Thinking about downsizing? 🏘️

In this episode, Phil Spencer chats with Nick Sanderson from Audley Group about what it really means to downsize and why it’s not just about a big house being too much to manage in later years. Nick shares insight about how downsizing can free up equity, give you more time and freedom, and how retirement villages can provide a whole new lease of life 🏌🏽🏊🏻‍♀️🍷☕️

👉 VIDEO TIMESTAMPS ⏳

• 00:00:00 00:00 Introduction
• 00:00:00 00:57 When to start thinking about downsizing
• 00:00:00 03:40 Is there a stigma surrounding downsizing?
• 00:00:00 What happens to your community if you move?
• 00:00:00 Bringing up downsizing as an option with your older family members
• 00:00:00 How to successfully downsize

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

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In this episode, Nic and Lexie break down the real costs of home renovation, discussing what different renovation budgets can achieve whether you’ve got £10k, £20k or £50k to play with. They explore the real-world costs behind kitchens, bathrooms, flooring, major layout changes and easier cosmetic upgrades, giving you a clear picture of what’s truly possible at each price point.

From clever ways to stretch a smaller budget to the transformative impact of a larger one, Nic and Lexie share expert insights, common pitfalls to avoid, and the upgrades that deliver the best value for your money.

If you’re planning a renovation and want a no-nonsense guide to what your budget really buys, this is the episode you need before you pick up a paintbrush or call a contractor. For an in-depth look into renovation costs, get specific advice from our website-link below.

👉 VIDEO TIMESTAMPS

• 00:00 Introduction
• 03:25 Why People Are Choosing to Renovate Instead of Move
• 04:23 DIY Tips and Cost-Saving Strategies
• 10:13 What You Can Get for £10k
• 12:37 Kitchen Renovation Hacks and Second-Hand Finds
• 16:14 What You Can Get for £20k
• 21:35 What You Can Get for £50k
• 26:05 The Importance of Contingency Planning
• 30:59 Finding Good Trades and Builders
• 31:41 Return on Investment and Smart Spending Tips

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🔗    / moveiq  

👉 READ THE RELATED ARTICLE HERE💻
🔗 https://www.moveiq.co.uk/advice/home-renovation/how-much-renovate-house/

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This week Nic and Lexie are discussing 10 questions that buyers should be asking the seller and estate agent to find out the truth about a property. Discover which key questions reveal a home’s history, its hidden issues, and what you need to know before making an offer, so that you can buy smarter and avoid costly mistakes!

• 00:00:00 Introduction
• 00:00:20 How long has the property been on the market?
• 00:00:56 Has the property had any offers?
• 00:01:57 What was the asking price based on?
• 00:03:06 Has it been relisted or had price reductions?
• 00:04:02 Why are they selling and how long have they lived here?
• 00:05:34 What's included in the sale?
• 00:06:44 Have there been any major renovations or building work?
• 00:08:21 Are there any restricted covenants or planning issues?
• 00:09:58 What are the annual running costs?
• 00:11:16 What are the pros and cons of living here?
• 00:12:47 Final tips and resources

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