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Move iQ Podcast

Phil Spencer: UK Property Expert

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Phil Spencer is one of the UK's leading property experts, with over 25 years of experience in the property sector. The Move iQ Podcast is where Phil shares his tips for all things property related. Whether this is your first move or you are a seasoned property professional, Phil shares his property advice, guidance and insights to help everyone move and manage their home with confidence.
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The evolving role of the mortgage broker is becoming increasingly complex. The performance and potential of the housing market is an ever-changing landscape, but help is here. The award-winning Mortgage Insider Podcast – brought to you by Barclays – is back and better than ever. Renowned TV presenter and property expert Phil Spencer guides you through the trials and tribulations of the housing world. Phil, along with industry-leading guests from the world of economics, financial services, an ...
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Allyship is a vital component in advancing diversity and inclusion efforts, as it involves using our privilege to support underrepresented groups, including LGBTQ+ individuals and those within the neurodiversity spectrum. By actively participating in DEI initiatives and mentoring, allies help normalise conversations around representation while prov…
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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: Upfront fees to expect Low cost deposit options Adding fees to your mortgage First-Home Focus is brought to you on association w…
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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 journey. Property expert and Move iQ founder Phil Spencer, spells out what you need for that first time buyer status. Tune in for: The …
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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 you can afford, from your credit report and affordability checks to how much your deposit impacts what is available to you. Tune in …
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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 schemes and options that as a first time buyer its worth being aware of. Tune in for: Importance of understanding saving schemes Alter…
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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 mortgage based on your individual circumstances. Tune in for: Understand personal affordability Choosing a mortgage provider Consequen…
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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 Society to break down the eligibility criteria. Tune in for: What lenders consider when looking at first time buyers Financial preparat…
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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 association with Skipton Building Society, we're here to help. Tune in for: Mortgage options Freehold Vs Leasehold Understanding hid…
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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 interest rates differ, to help you on your first-time buyer journey. Tune in for: What impacts interest rates Different types of m…
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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're considering one. Emma is a Mortgage Product Specialist at Skipton Building Society. Tune in for: Pros & cons of shared ownersh…
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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 still going strong). The pair also discuss topics such as the past and present housing market and founding Move iQ. Tune in for: P…
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With a new Labour government in place, an autumn budget and the US election fast approaching, the old suspects of inflation and tax rises still generating much debate, there’s plenty to discuss from an economic standpoint. To help break down this complex economic landscape and explore its implications for the intermediary mortgage market, by popula…
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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 frustration. So in our latest podcast Phil is joined by Maria Harris - Chair of the trade association 'The Open Property Data Association' w…
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During a cost of living crisis, the additional expense of life insurance, critical illness, income protection and even protecting a mortgage may seem like an unnecessary burden for homeowners. However, this protection is arguably more crucial than ever. According to ONS figures, 2.5 million people in the UK are unable to work due to long-term illne…
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Machine learning in finance, the adoption of AI and technology regulation are all hot topics in their own right. Then throw into the mix the potential of automated mortgage advice and what an AI mortgage broker may look like and it's little wonder that intermediary firms across the UK are considering how the role of a broker may change as the AI re…
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So, what are green mortgages? Green mortgages come in many different forms, but all aim to incentivise buyers in the purchase of energy efficient homes or make energy-related improvements. Through increased innovation and rising environmental awareness, green mortgage products are being launched at an ever-increasing rate to incorporate important f…
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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 Phil is re-joined by Nathan Emerson, CEO of @Propertymark to discuss comments left on our last housing market review as well as sha…
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There are not enough homes being built in the UK to meet demand each year, but can the UK housing crisis be solved? In this People in Property episode, Phil is joined by Russell Quirk, Property Commentator and Co-Founder of ProperPR. The pair discuss Russell's solution to the housing market crisis, stamp duty and the impacts on the rental market. T…
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Mortgage brokers have long been experts in dealing with new challenges. Be this in the form of regulation, technology – especially AI –, a worldwide pandemic, rising interest rates and heightened cost of living pressures. That’s quite a list, but it still doesn’t cover a fraction of the questions being asked of them by their clients in the current …
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We took the Move iQ Podcast to the Propertymark regional conference in Birmingham to get insider tips and insights on local housing markets and tips on picking the perfect pad for renters, sellers and buyers. Tune in for: Impact of landlords selling up Areas that attract renters & landlords Top tips for movers Why you should look for a Propertymark…
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In conversation this week with Phil Spencer on the Move iQ Property podcast is Olympic medallist Roger Black. The pair discuss how Roger's career evolved from Olympic to property and what he's currently up to. Tune in for: Roger's backstory Life after athletics Roger's role in property The joys of downsizing Thanks to our guest - Roger Black More F…
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We're delighted to share this latest podcast where Martin Roberts, TV personality and Homes Under the Hammer presenter joins Phil. They talk TV, being in the jungle, buying and selling at auction, the housing market in 2024 and The Martin Roberts Foundation. Huge thanks to Martin for joining the pod - as always tune in for: Talking property auction…
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Phil chats to Anne-Marie Brown of Love to Rent to discuss these new build homes for rent, what they offer, how many are available and in the pipeline and where you can find them. Homes built to rent are popping up all over the place in the UK and delivering a different type of rental option to our varied housing stock. But its not just about apartm…
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In recent times, there’s been much talk around the financial challenges facing the UK population. However, it’s important to remember that financial circumstances can also improve. Additional, and often unexpected, funds can come in differing forms such as inheritance, insurance payout(s) or even winning the lottery. With inheritance being the most…
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Property auctions have risen on popularity and there's a reason for that. Phil is joined by Richard Worrall MNAVA - President of the National Association of Valuers and Auctioneers, to share some auction truths and explain the difference between the traditional and modern method of auction. Tune in for: The two different methods of auction explaine…
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Talking property and housing markets, Phil is joined by property economist Dr. John Boyle, a Property Economist, to discuss UK house prices in 2024 and the UK housing market. No one has a crystal ball but everyone has an opinion, at Move iQ we believe it's important to discuss what's going on in the market with a range of different experts to help …
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While national housing trends and data provide a broad overview, getting local housing market insights on your doorstep is arguably more important. In the first conversation of 2024 with a number of Propertymark accredited property agents from around the UK, we hear local insight from respective locations to find out what's going on. Tune in for: T…
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The buy-to-let market has undergone some major challenges and changes in recent years, all of which have impacted landlords and property investors to varying degrees. Rental yield has long been a vital component within landlord calculations but another increasingly important consideration in recent times has been whether to set up a limited company…
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In this latest podcast Move iQ founder Phil Spencer talks to Charlotte Harrison, CEO of Home Financing at Skipton Building Society. We wanted to find out what might happen to mortgage rates in 2024; what lenders are doing to help people who want to buy a home for the first time, as well as home owners with existing mortgages that might be coming to…
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In our first look at the housing market in 2024, Move iQ founder Phil Spencer, caught up with Nathan Emerson CEO of Propertymark, the professional body for property agents in the UK. This conversation will give you a feel for how the housing market is faring 'real time' based on what's happening in the market ast the time of publication. There's no…
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For almost 10 years, the Help to Buy scheme proved incredibly successful in helping over a quarter of a million borrowers across the UK to buy a home. But, with this scheme now having ended in England and Scotland, this leads to the question of what – if anything – can replace it. In the latest episode of Barclays Mortgage Insider podcast, host Phi…
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In this episode, Phil shares how to approach pricing strategically in an unpredictable market, utilising the expertise of a Propertymark estate agent. Gain insights into negotiation flexibility, understanding buyer priorities, and the benefits of avoiding property chains. Tune in for Getting your property sale ready Try to position yourself as the …
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In this episode, Phil highlights some key factors of installing wood-burning stoves, covering safety, regulations, and costs. Understand proper wood types, the importance of a carbon monoxide detector and why consulting with a professional is crucial for an accurate quote. Tune in for What to put on a burner Comply with safety regulations Installat…
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In this episode, Phil looks at the renovations and fixes that are worth your time and investment before putting your house on the market. From understanding the balance between renovation costs and potential value increase to why consulting with the right estate agent is crucial. Tune in for Home renovations to avoid What work should you do Importa…
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The mortgage market is currently experiencing growing demand for long-term mortgages – otherwise known as marathon mortgages - with some lenders even offering up to 40-year terms to help attract more young buyers onto the property ladder. So, will marathon mortgages be THE 2024 trend for first-time buyers? Or, with mortgage rates falling, is it sim…
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In this episode, Phil guides you through the challenging situation of a landlord selling up and its impact on the current tenant. Learn about your rights, the steps to take, and the options available to you as a tenant during this transition. Tune in for Notice periods Alternate living options Move out checklists Read our blog for further details h…
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In this jargon busting episode, Phil explains what 'Let Agreed' means in renting, its implications for tenants and landlords, and the processes involved in securing a rental property. Tune in for Is 'Let Agreed' legally binding? The process after 'Let Agreed' Deposits and upfront payments in the rental process Read our blog for further details here…
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In this episode, Phil delves into the art of negotiation in property sales. From selecting the right estate agent to understanding when to change agents, this video is packed with valuable insights for sellers. Tune in for The Impact of choosing the right estate agent Is using multiple estate agents a good idea? Suggested sale prices Read our blog …
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In this episode, Phil discusses a mortgage holiday and who it's for, its financial implications, the impact of a mortgage holiday on your loan balance and future payments and the alternatives available. Tune in for Purpose of mortgage holidays How to apply Potential implications Why seek independent advice Read our blog for further details here Mor…
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In this episode, Phil breaks down the local authority search process. Learn what this report entails, why it's essential in the conveyancing process, and how it can impact your home purchase. Tune in for Information in the report Expected delivery time The impact of a good conveyancer Read our blog for further details here More FREE advice on buyin…
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In this episode, Phil breaks down the First Home Scheme, a government-backed initiative designed to help you get a foot on the property ladder. Discover how this scheme could turn your home-owning dream into a reality, despite the current economic challenges. Tune in for: Eligibility criteria Who gets priority Potential downsides Why seek advice be…
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The past few years have seen the relentless rise of the Bank of England base rate dominate lending and borrowing decisions across the mortgage market. This significant uplift has led to an even more complicated picture around affordability, stress testing, the influence of mortgage swap rates and generated a flurry of future interest rate forecasts…
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In this episode, Phil explores everything you need to know about creating your own garden room, be it a home office, gym, or playroom. Garden rooms are the new trend for adding functional, stylish space to your home without the complications of a full extension. Tune in for Do you need planning permission? Always check with your local council Long-…
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In this episode, Phil breaks down the crucial role letting agents play in renting and what to look out for when choosing one. Whether you're a landlord or a tenant, this guide will assist you through the maze of letting agents, like why it is important to look for the logo and use a Propertymark agent. Tune in for: What does a letting agent do? Tra…
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The UK's housing market remains in a state of flux. Interest rates are at their highest level for 15 years, house prices are faltering, and the UK economy is still feeling the lingering aftermath of last year’s mini-budget. On a more positive note, following a period of swap rate turbulence, mortgage rates are slowly but steadily coming down, infla…
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In this final episode of our no-nonsense guide to buying a home, Phil dives into tips for a stress-free moving day. From essentials you should keep handy to why it's crucial to change your locks. Tune in for Pick out a removal company Set aside essentials Best time to do a deep clean Get your free eBook, click here You can access more of Phil’s adv…
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With recent political party conferences behind us and a general election on the horizon, housing policy gets discussed, but what and when will we see an outcome that makes a difference, for the better? In the latest of our latest People in Property series, Phil sits down with Timothy Douglas, Head of Policy and Campaigns at Propertymark, to find ou…
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In this penultimate episode of the no-nonsense guide to buying a home, Phil shares everything you need to know about the completion process. From the money transfer to potential pitfalls and why Friday might not be your best bet for a completion day. Tune in for How long does completion take? What will the solicitor do? Potential issues to anticipa…
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The UK economy continues to dominate conversations across the country in the wake of the transition to a higher interest rate environment, rising cost of living pressures, an increased focus on unemployment figures and shifts in the labour market. In a bid to unpick the current economic position and help us understand what it all means for the inte…
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In this next episode of our no-nonsense guide to buying a home, Phil Spencer puts a spotlight on the role of solicitors and conveyancers, the importance of property surveys, and the steps you can expect leading up to the exchange of contracts. Tune in for What does your solicitor do next Your role during this stage & surveys When are you ready to e…
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