Meet Our Team at Needing Advice Ltd

Whole-of-market mortgage brokers and financial advisers, FCA regulated and Trustpilot Excellent rated. Five specialists helping clients across the UK with mortgages, remortgages, buy-to-let, adverse credit, pensions and investments.

Your home may be repossessed if you do not keep up with repayments on your mortgage. · The value of pensions and investments and the income they produce can fall as well as rise.

Our Advisers and Team Members

Damian Youell

Senior Mortgage Broker & Director

Damian founded NeedingAdvice.co.uk with a single focus: putting the client’s need ahead of everything else. With over a decade of experience as a whole-of-market broker, he specialises in cases that do not always fit standard high-street criteria — self-employed applicants, multi-income households, buy-to-let portfolio expansion, and clients who have experienced credit difficulties.

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Sumaiya Patel

Mortgage Broker · English, Punjabi & Urdu

Sumaiya is a qualified mortgage broker and a valued member of the NeedingAdvice.co.uk advisory team. She works with first-time buyers, home movers and remortgage clients across the UK, offering the same whole-of-market approach that defines the firm. Sumaiya is fluent in English, Punjabi and Urdu — an important distinction for clients who prefer to discuss their mortgage in their first language.

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Romany Youell

Independent Financial Adviser · Pensions, Investments & IHT

Romany is NeedingAdvice.co.uk’s Independent Financial Adviser, covering the areas of the financial plan that sit beyond the mortgage itself. She advises clients on pension planning, investment strategies and inheritance tax mitigation — helping families protect what they have built and plan effectively for the future.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Estate and inheritance planning is not regulated by the Financial Conduct Authority.

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Matthew Shufflebotham

Mortgage Broker · Residential & Buy-to-Let

Matthew is a qualified mortgage broker who handles a broad range of residential and buy-to-let cases across the UK. He brings a thorough, detail-oriented approach to every application — from straightforward first-time buyer cases to more complex income situations where getting the lender selection right from the outset makes all the difference.

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Miles Turner

Client Relationship Manager · Application to Completion

Miles is the Client Relationship Manager at NeedingAdvice.co.uk and the person who keeps the whole process running smoothly from your first enquiry through to mortgage completion. He acts as the central point of communication between clients, advisers and lenders — chasing updates, answering questions and making sure you always know exactly where your application stands.

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Why Clients Choose NeedingAdvice.co.uk

Whole of Market Access

We compare mortgage products from across the market, not a restricted panel. Our recommendation is based on your circumstances, eligibility, lender criteria, rate, fees and overall suitability.

FCA Regulated Advice

An Appointed Representative of Rosemount Financial Solutions (IFA) Ltd, authorised and regulated by the FCA under reference 938312. Verify on the FCA Register.

Rated Excellent on Trustpilot

Over 560 independent reviews from clients across the UK. Our Trustpilot rating reflects the experience every client gets, not just the happy ones.

Specialists in Complex Cases

Self-employed, adverse credit, non-standard properties, multi-let portfolios, foreign nationals, contractor income — we know exactly where to place cases outside the standard mould.

Multilingual Support

Sumaiya Patel advises clients in English, Punjabi and Urdu. Everyone deserves advice in the language they are most comfortable with for decisions this important.

No Upfront Broker Fees

Your initial consultation is always free with no obligation. Our fee structure is explained clearly and in writing before any application is submitted — no surprises.

Frequently Asked Questions About Our Team

Who is the senior mortgage broker at NeedingAdvice.co.uk?

Damian Youell is the Senior Mortgage Broker and Company Director at NeedingAdvice.co.uk. He has over a decade of experience advising clients across the UK on all types of mortgage applications, with a particular specialism in complex cases including self-employed applicants, adverse credit, buy-to-let portfolios and non-standard income. Read more on his profile page.

Do you have advisers who speak languages other than English?

Yes. Sumaiya Patel is a qualified mortgage broker who is fluent in English, Punjabi and Urdu. She can advise clients in all three languages across all product types including first-time buyer, remortgage and adverse credit applications. See her profile page.

Does NeedingAdvice.co.uk offer IFA advice beyond mortgages?

Yes. Romany Youell is an Independent Financial Adviser specialising in pensions, investments and inheritance tax planning. The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Estate and inheritance planning is not regulated by the Financial Conduct Authority. See her profile page.

Is NeedingAdvice.co.uk regulated by the FCA?

Yes. NeedingAdvice.co.uk Ltd is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd, authorised and regulated by the FCA under reference 938312. Verify directly on the FCA Register.

How do I speak to a mortgage broker at NeedingAdvice.co.uk?

Call Damian directly on 07912 076990, or call the office on 0800 612 3367. Initial consultations are always free and with no obligation. Your home may be repossessed if you do not keep up with repayments on your mortgage.