# What’s Really Happening With Mortgage Rates in 2026?

Page: https://stenobird.com/podcast/move-iq-podcast-517943/what-s-really-happening-with-mortgage-rates-in-2026
Text version: https://stenobird.com/podcast/move-iq-podcast-517943/what-s-really-happening-with-mortgage-rates-in-2026.md
Podcast: [Move iQ Podcast](https://stenobird.com/podcast/move-iq-podcast-517943)
Published: 2026-05-22T05:00:00+00:00
Episode link: https://episode.flightcast.com/01KS359E0ANGTRVCFDG3DWK8D8.mp3
Audio file: https://episode.flightcast.com/01KS359E0ANGTRVCFDG3DWK8D8.mp3
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JSON: https://stenobird.com/v1/public/podcasts/move-iq-podcast-517943/episodes/what-s-really-happening-with-mortgage-rates-in-2026
Duration seconds: 843

## Resource

Worried about what global uncertainty means for your mortgage? You're not alone. In this episode, Phil Spencer sits down virtually with Charlotte from Skipton Building Society to talk through what's really driving mortgage rates right now, how global events are affecting the UK housing market, and what it all means for anyone trying to buy or remortgage in 2026. They discuss the impact of oil prices and inflation on interest rates, why mortgage rates are moving more than usual, and what first time buyers need to know about affordability in today's market. Plus, they offer practical advice for anyone feeling overwhelmed by the headlines and explainswhat to do if you're coming off a low fixed rate this year. Are you a first time buyer, or are you remortgaging soon? What's your biggest concern right now? Let us know in the comments 💬 👉 VIDEO TIMESTAMPS ⏳ Chapters 00:00 Introduction 00:26 How Global Conflicts Are Affecting UK Mortgage Rates 02:50 The Changing Face of Home Affordability 03:56 First Time Buyer Demographics: The New Reality 05:25 Innovative Mortgage Products: Track Record 06:53 Delayed Start Mortgages and Zero Deposit Options 08:14 Essential Advice for Aspiring First Time Buyers 10:57 Market Outlook and Remortgage Considerations Enjoyed this video? Want to see more? Subscribe to the channel with the link below. That way, you won't miss any future uploads! 👉 SUBSCRIBE TO THE FIRST HOME FOCUS YOUTUBE CHANNEL 🔗 @FirstHomeFocus 👉 GET PHIL SPENCER'S ADVICE DIRECT TO YOUR INBOX ✉ 🔗 https://www.moveiq.co.uk/newsletter-signup 👉 VISIT THE MOVE iQ WEBSITE 💻 🔗 https://www.moveiq.co.uk ➤ CONNECT WITH US ON SOCIAL 👇 📲 INSTAGRAM https://www.instagram.com/moveiq 📲TIKTOK https://www.tiktok.com/@philspencertv 📲FACEBOOK https://www.facebook.com/MoveiQ/ 📲X https://x.com/MoveiQP…

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