69 episodes

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.

Move iQ Podcast Phil Spencer: UK Property Expert

    • Education
    • 5.0 • 2 Ratings

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.

    How Does Re-Mortgaging Work?

    How Does Re-Mortgaging Work?

    How does remortgaging work? To get to the bottom of this question, Phil Spencer is joined in this episode of the Move iQ property podcast by Orla Shevlin and Tom Atley, Mortgage Advisors at Trussle. Together they discuss the process of re-mortgaging your home and the best way to go about it. 
    What’s discussed in this episode?
    Listen in to find out:
    Why it’s worth reviewing your mortgage options and when How to get the most efficient rate How to approach extra borrowing on your existing mortgage What happens to your mortgage when you move house? The remortgage process explained Remortgage options and considerations  
    Thank you for listening to the Move iQ podcast!
     
    If you enjoyed the show, please subscribe via your favourite podcast app and don’t forget to leave a review!
     
    We want to thank the sponsor of our show
     
    We are delighted to be working with trussle.com, they are FCA regulated mortgage advisors.
    Trussle were the first online mortgage broker and they have indeed been voted the best mortgage broker!
     
    They are a hassle-free, fee-free way of getting a mortgage and they are the only broker with a 5-day speed promise.
     
    Always remember: your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply to the mortgage decision promise.
     
    Find out more about Move iQ
    Subscribe to our newsletter and get Phil’s advice direct to your inbox. We share regular tips, tricks and market updates – join us, it’s free!
     
    Please also connect with us on Facebook, Instagram, Twitter or LinkedIn.
     
    If you have any questions for Phil or any special requests for topics to cover on the podcast then we’d love to hear from you, email us at hello@moveiQ.co.uk

    • 10 min
    Mortgage Mistakes to Avoid

    Mortgage Mistakes to Avoid

    In this eighth episode of series 8 of the Move iQ Podcast, Phil Spencer is joined by, Orla Shevlin and Tom Atley, both Mortgage Advisors from online mortgage broker Trussle.
    They share their mortgage experience and will be pointing out the key mortgage mistakes to avoid. 
    What’s discussed in this episode? Listen in to find out:
    Look at your mortgage affordability and options before you make an offer What do lenders look for in respect of your income How to determine your maximum mortgage amount How to deal with debt in the process The best way to show lenders how you manage your finances Avoid putting in lots of mortgage applications Why you should avoid large purchases while your 'mortgage offer’ is in place

    Thank you for listening to the Move iQ podcast!
     
    If you enjoyed the show, please subscribe and don’t forget to leave a review!

    We want to thank the sponsor of our show
    We are delighted to be working with trussle.com, they are FCA regulated mortgage advisors.


    Trussle were the first online mortgage broker and they have indeed been voted the best mortgage broker!


    They are a hassle-free, fee-free way of getting a mortgage and they are the only broker with a 5-day speed promise.


    Always remember: your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply to the mortgage decision promise.
    Find out more about Move iQ
    Subscribe to our newsletter and get Phil’s advice direct to your inbox. We share regular tips, tricks and market updates – join us, it’s free!


    Please also connect with us on Facebook, Instagram, Twitter or LinkedIn.
     
    If you have any questions for Phil or any special requests for topics to cover on the podcast then we’d love to hear from you, email us at hello@moveiQ.co.uk


    We’ve also got lots of great videos over on YouTube, so be sure to subscribe to Move iQ’s channel and let us know what you think.

    • 11 min
    How to Get a Low Deposit Mortgage

    How to Get a Low Deposit Mortgage

    In this seventh episode of series 8 of our podcast ‘how to finance your home’, Phil Spencer is joined by Tom Atley, Mortgage Adviser at online mortgage broker Trussle. Together, they discuss how to get a mortgage if you have a small deposit.
    How can levels of deposit influence lenders' decisions? And what are things you could do to improve your chances? Listen to this podcast and find out how you could get a mortgage when having a low deposit. 
    What’s discussed in this episode? Listen in to find out:
    How you could get a mortgage with a low deposit The latest government schemes supporting lower deposits The impact on interest rates if you have a lower deposit Tips for parents - the ‘bank of Mum and Dad’ How you could increase your affordability Shared ownership schemes Thank you for listening and we hope you found this episode useful.
     
    If you enjoyed listening to our podcast, then please subscribe and don’t forget to leave a review!

    We want to thank the sponsor of our show
    We are delighted to be working with trussle.com, they are FCA regulated mortgage advisors.
     
    Trussle were the first online mortgage broker and they have indeed been voted the best mortgage broker!
     
    They are a hassle-free, fee-free way of getting a mortgage and they are the only broker with a 5-day speed promise.
     
    Always remember: your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply to the mortgage decision promise.
    Find out more about Move iQ
    Subscribe to our newsletter and get Phil’s advice direct to your inbox. We share regular tips, tricks and market updates – join us, it’s free!
     
    Please also connect with us on Facebook, Instagram, Twitter or LinkedIn.
     
    If you have any questions for Phil or any special requests for topics to cover on the podcast then we’d love to hear from you, email us at hello@moveiQ.co.uk.
     
    We’ve also got lots of great videos over on YouTube, so be sure to subscribe to Move iQ’s channel and let us know what you think.

    • 12 min
    Should I Use a Mortgage Broker?

    Should I Use a Mortgage Broker?

    In episode six of series 8 of the Move iQ property podcast, our host, Phil Spencer, is joined again by Orla Shevlin, a Mortgage Adviser at Trussle.
    The two take a deep dive into the process of working with a mortgage broker and discuss whether you should use a mortgage broker and if you do how to get the best out of their advice. 
    Being upfront and honest with your mortgage broker allows them to find the right lender based on your circumstances. Tell them if there is anything unusual about the property. Be as honest as possible even when it comes to remortgaging.
    What’s discussed in this episode? Listen in to find out:
    How to get the best out of your mortgage broker Why honesty is the best policy Remortgaging considerations when raising extra funds Reviewing the extent of your lending options The Trussle speed promise guarantee How do Trussle mortgage advice ‘fee free’  
     
    Thank you for listening to the Move iQ podcast!
     
    If you enjoyed the show, please subscribe and don’t forget to leave a review! 

    We want to thank the sponsor of our show
    We are delighted to be working with trussle.com, they are FCA regulated mortgage advisors.
    Trussle were the first online mortgage broker and they have indeed been voted the best mortgage broker!
    They are a hassle-free, fee-free way of getting a mortgage and they are the only broker with a 5-day speed promise.
    Always remember: your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply to the mortgage decision promise.

    Find out more about Move iQ
    Subscribe to our newsletter and get Phil’s advice direct to your inbox. We share regular tips, tricks and market updates – join us, it’s free!
    Find out more about Move iQ
    You can connect with us on Facebook, Instagram, Twitter or LinkedIn.

    • 12 min
    What Do Mortgage Lenders Look At?

    What Do Mortgage Lenders Look At?

    In this fifth episode of series 8 of the Move iQ property podcast, podcast host and Move iQ founder, Phil Spencer is joined again by Orla Shevlin, a mortgage adviser at Trussle.
    The two discuss, what mortgage lenders look at when they are assessing whether to lend you money, how much to lend and what rate to lend you this money.


    What’s discussed in this episode? Listen in to find out:
    How to manage your finances well The ‘red flags’ to be aware of How mortgage lenders credit check you – the difference in what you might see yourself How to present your ‘deposit source’ How to consider commissions, bonuses or overtime income in your application Affordability assessments of lenders  
    Thank you for listening to the Move iQ podcast!
     
    If you enjoyed the show, please subscribe via your favourite podcast app and don’t forget to leave a review!

    We want to thank the sponsor of our show
    We are delighted to be working with trussle.com, they are FCA regulated mortgage advisors.
    Trussle were the first online mortgage broker and they have indeed been voted the best mortgage broker!
    They are a hassle-free, fee-free way of getting a mortgage and they are the only broker with a 5-day speed promise.
     
    Always remember: your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply to the mortgage decision promise.

    Find out more about Move iQ
    Subscribe to our newsletter and get Phil’s advice direct to your inbox. We share regular tips, tricks and market updates – join us, it’s free!
     
    Please also connect with us on Facebook, Instagram, Twitter or LinkedIn.
     
    Find out more about Move iQ
    You can connect with us on Facebook, Instagram, Twitter or LinkedIn.

    • 9 min
    Can You Get a Mortgage with Poor Credit?

    Can You Get a Mortgage with Poor Credit?

    If you’re looking for a mortgage but maybe don’t have the best credit history, then this is the podcast episode for you.
    Phil Spencer is back with Orla Shevlin, Mortgage Adviser at Trussle to answer this question for you in episode four of series 8 of the Move iQ property podcast.
    Phil and Orla discuss getting a mortgage and the challenges of doing that if you have poor credit.
    What’s discussed in this episode? Listen in to find out:
    Get your full credit report – why your credit score alone doesn’t mean too much How far back do lenders look at your credit history? How brokers can help you assess the right timing for an application There always tends to be a solution a broker can help with An outline of joint borrower mortgages Ways you could improve your credit report Some helpful lookouts  
    Thank you for listening to the Move iQ podcast!
     
    If you enjoyed listening to our podcast, then please subscribe via your favourite podcast app and don’t forget to leave a review!

    We want to thank the sponsor of our show
    We are delighted to be working with trussle.com, they are FCA regulated mortgage advisors.

    Trussle were the first online mortgage broker and they have indeed been voted the best mortgage broker!
     
    They are a hassle-free, fee-free way of getting a mortgage and they are the only broker with a 5-day speed promise.

    Always remember: your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply to the mortgage decision promise.
    Find out more about Move iQ
    Subscribe to our newsletter and get Phil’s advice direct to your inbox.
     
    We share regular tips, tricks and market updates – join us, it’s free!
     
    Please also connect with us on Facebook, Instagram, Twitter or LinkedIn.
     
    If you have any questions for Phil or any special requests for topics to cover on the podcast then we’d love to hear from you, email us at hello@moveiQ.co.uk.
     
    We’ve also got lots of great videos over on YouTube, so be sure to subscribe to Move iQ’s channel and let us know what you think.

    • 13 min

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