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 ⏳ChaptersEnjoyed 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/MoveiQProperty@sbsintermediaries