About Damian Youell

Damian Youell is the Senior Mortgage Broker at NeedingAdvice.co.uk, helping clients across the UK with clear, down-to-earth mortgage advice. He has experience with first-time buyers, remortgages, buy to let landlords and more complex cases that don’t always fit high street criteria. On this page you’ll find Damian’s articles, guides and FAQs. His aim is to explain mortgage options in plain English, so you can understand how lenders think, what documents you need and what to expect at each stage of the process. If you’re unsure which route is right for you, reading Damian’s guides is a good starting point before you get personalised advice based on your own circumstances.

Mortgage for New Contractors Day-rate lending explained — 2026

2026-06-12T17:34:34+00:00June 3, 2026|Income Types, Mortgages for Different Occupations / Income Types, Occupations|

📌 Contractor & Self-Employed Mortgages DY Damian Youell Senior Mortgage Broker · NeedingAdvice.co.uk · FCA AR 938312 📅 Last reviewed: June 2026 FCA Regulated [...]

£5,000 Deposit Mortgage UK: Can You Really Buy a Home With So Little Saved?

2026-05-15T08:56:24+00:00May 12, 2026|First Time Buyer Mortgages, Knowledge Mortgages, Mortgage Rates, Mortgages|

📌 First-Time Buyer Mortgage Advice A £5,000 deposit mortgage UK buyers can actually use — that is what Lloyds Banking Group has just launched. [...]

How Does a Mortgage Loan UK Work? The Honest Guide

2026-05-06T15:41:54+00:00May 6, 2026|Knowledge Mortgages, Mortgage Process, Mortgage Rates, Mortgages, Mortgages North East, Remortgages|

A mortgage loan UK is money you borrow from a lender to buy a property, repaid over time — usually 25 years — with [...]

A Comprehensive Guide to Additional Mortgage Borrowing

2026-05-05T13:20:17+00:00May 5, 2026|Knowledge Mortgages, Remortgages|

There are a number of possible reasons someone may wish to take out additional borrowing on their mortgage. It could be for home improvements, perhaps a new car, to raise funds for a deposit on a buy to let property or even possibly an important life event such as a wedding.

Can I Get a Mortgage? What a Broker Actually Tells You

2026-04-21T16:11:56+00:00April 21, 2026|Buy to Let Mortgages, First Time Buyer Mortgages, Knowledge Mortgages, Mortgage Process, Mortgages|

Damian Youell · Senior Mortgage Broker FCA AR 938312 · Whole of Market · NeedingAdvice.co.uk · Updated April 2026 I want to give you [...]

Mortgage With Crypto Income UK: Can You Get One?

2026-04-17T15:26:11+00:00April 16, 2026|Income Types, Knowledge Mortgages, Mortgages, Mortgages for Different Occupations / Income Types, Occupations, Using a Broker|

⚠ Important Information & FCA Disclaimer Your home may be repossessed if you do not keep up repayments on your mortgage. NeedingAdvice.co.uk is [...]

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