Move iQ & Better.co.uk
Better.co.uk is working with Move iQ, the property advice website founded by property expert Phil Spencer, to make mortgages simpler and help you potentially save hundreds of pounds a month on your repayments.
Your home could be repossessed if you don't keep up repayments on your mortgage.
Episode 1: What does a mortgage broker do?
In this first episode, we answer a very specific question: what is a Mortgage Broker?
Property expert, investor, TV presenter, and founder of Move iQ, Phil Spencer, is joined by Tom Hodgson, Director at online mortgage broker Better.co.uk.
Phil and Tom talk through the benefits of using a mortgage broker over going directly to a lender and the benefits of doing so.
Listen in to find out:
How you can save time and hassle with a mortgage adviser
Can a mortgage broker help save you money?
How a mortgage broker can find a rate that’s best for you
Giving yourself the best chance of being accepted by a lender
Featuring: Phil Spencer and Tom Hodgson (Commercial Director)
Tune in to listen here, or watch on Youtube here
Episode 2: How Long Does a Mortgage Application Take?
In this episode, Phil Spencer is joined by Orla Shevlin and Tom Atley, mortgage advisers here at Better.co.uk. They talk about how the mortgage application process can be complex and there are key things you should do and be aware of avoiding.
Listen in to find out:
Get to know your finances and what this means
What are the things you need for a mortgage application
What is a decent deposit
The genuine benefits of using a mortgage broker
How do you secure a mortgage rate
How can you improve your credit report
Tune in to listen here, or watch on YouTube here
Episode 3: What Is The Process Of A Mortgage Loan?
In this episode, Phil and Tom cover step-by-step what the process of a mortgage loan is.
Tune in to hear where to start with your mortgage when you’re first searching for a home, and what online tools can you use for free.
Listen in to find out:
Why and how to use online mortgage calculators
How to get a mortgage in principle
How to present yourself as a serious buyer
Getting a mortgage recommendation that’s right for you
Tune in and listen here, or watch on Youtube here
Episode 4: Can You Get A Mortgage With Poor Credit?
In this episode, Phil Spencer is back with Orla Shevlin, Mortgage Adviser here at Better.co.uk to answer this question for you: can you get a mortgage with poor credit?
Phil and Orla discuss getting a mortgage and the challenges of doing that when you have poor credit.
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
Tune in to listen here, or watch on YouTube here
Episode 5: What Do Mortgage Lenders Look At?
Phil Spencer is joined again by Orla Shevlin, a mortgage adviser at Better.co.uk. 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.
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
The best way to present your ‘deposit source’
How to consider commissions, bonuses, or overtime income in your application
Affordability assessments of lenders
Tune in to listen here, or watch on YouTube here
Episode 6: Should I Use A Mortgage Broker
Phil Spencer is joined again by Orla Shevlin, a mortgage adviser at Better.co.uk. The two take a deep dive into the process of working with a mortgage broker. They discuss whether you should use a mortgage broker and if you do how to get the best out of their advice.
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 Better.co.uk speed promise guarantee
How do Better.co.uk mortgage advice ‘fee free’
Tune in to listen here or watch on YouTube here
Episode 7: How To Get A Low Deposit Mortgage
In this seventh episode of series 8 of the Move iQ podcast, Phil Spencer is joined by Tom Atley, mortgage adviser at online mortgage broker Better.co.uk.
Together, they’ll be diving deeper into the topic of how to get a low-deposit mortgage.
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
Tune in to listen here or watch on YouTube here
Episode 8: How To Get Pre-Approved For A Mortgage
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 broker Better.co.uk.
They share their mortgage experience and will be pointing out how to get pre-approved for a mortgage.
Listen in to find out:
Look at your mortgage affordability and options before you make an offer
What do lenders look for in terms 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
Tune in to listen here or watch on YouTube here
Episode 9: How Does Remortgaging 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 Better.co.uk.
Together they discuss the process of remortgaging your home and the best way to go about it.
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
Tune in to listen here or watch on YouTube here
Episode 10: How To Find Best Mortgage Refinance Rates
Phil Spencer is joined in this tenth episode of series 8 of the Move iQ property podcast by our Mortgage Advisor, Tom Atley. They discuss and share advice on how you can compare mortgage rates and how often you should check in on your mortgage.
Listen in to find out:
How to find the best mortgage refinance rates
How to track your mortgage deal period
When you should check in with your mortgage broker
The benefits of overpaying your mortgage
What an off-set mortgage is and its benefits
Tune in to listen here or watch on YouTube here
Episode 11: What Are Green Mortgages?
In this eleventh episode of series 8 of the Move iQ property podcast, we dive deeper into the subject of green mortgages. Phil Spencer is joined by our mortgage adviser Tom Atley.
A lot of businesses and industries are trying to be more sustainable and aware of their carbon footprint. House builders and financial services are no different, so mortgage companies are rewarding house builders and homeowners for making energy-efficient improvements to their houses.
Listen in to find out:
What is a green mortgage?
The benefits of a green mortgage
Why makes green mortgage favourable
Who can get a green mortgage?
The energy-efficient improvements you can make to your home
Tune in to listen here or watch on YouTube here
Episode 12: How To Get A Mortgage Over 40
The average age of a first-time buyer in the UK is 32 In London it's 33. This age is on the rise as getting on the property ladder becomes trickier. But does age affect your ability to get a mortgage?
In this penultimate episode of series 8 of the Move iQ Podcast, Phil Spencer and Tom Atley, Mortgage Adviser at Better.co.uk, discuss how to get a mortgage if you’re over 40.
Listen in to find out:
Does age affect your ability to get a mortgage?
How lenders are increasingly flexible
Lenders taking pension contributions into consideration
Lifetime mortgages
Mortgage hacks
Can renting a room out increase affordability?
When might interest-only mortgages be appropriate?
Tune in to listen here or watch on YouTube here
Episode 13: Does EPC Affect Mortgage?
In this final episode of series 8 of the Move iQ Podcast, Phil is joined by Tom Atley, one of our mortgage advisers, to answer the question: does a property's EPC rating affect your mortgage?
Listen in to find out:
Energy performance certificates and how they might affect our mortgage ability
The impact on buy-to-let mortgages
Requirements of landlords to improve a property's EPC rating
Existing buy to let properties and target dates for improvements
How it may impact remortgaging and porting mortgages
Tune in to listen here
Over 100 lenders and 12,000 deals
With access to more than 100 lenders and over 12,000 mortgage deals, we are more likely to find the right deal for you.
Tailored expert advice
Our expert UK mortgage advisers will give you personalised advice – every step of the way. You can contact us by phone and online.
We're fast and efficient
Being online means we work quickly and efficiently, so you can keep track of your application progress anywhere, anytime.
You save money
The cheapest deal is not always the best one, but we always look out for the mortgage deals that are right for you and save you money.
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