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 Without ILR — Can You Get One in the UK?

2026-04-21T11:33:49+00:00April 15, 2026|Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Non Standard Residency Mortgages, Using a Broker|

Damian Youell · Senior Mortgage Broker FCA AR 938312 · Whole of Market · NeedingAdvice.co.uk · Updated April 2026 If you've been told you [...]

What Are Swap Rates and Why Do They Matter for Your Mortgage?

2026-04-14T02:00:12+00:00April 9, 2026|Knowledge Mortgages, Mortgage Rates, Mortgages, Rate Switches, Remortgages, Using a Broker|

If you have ever wondered why your fixed-rate mortgage deal changed in price before the Bank of England even moved [...]

Should I Fix My Mortgage Now? A UK Broker’s Honest View

2026-04-01T12:26:32+00:00April 1, 2026|Income Types, Interest Only, Knowledge Mortgages, Mortgage Rates, Mortgages|

📌 Mortgage Advice Thousands of UK homeowners are asking right now: should I fix my mortgage now? With the Bank of England base rate [...]

Buy to Let Mortgage for a Trading Company

2026-03-27T16:57:23+00:00March 27, 2026|Investment BTL Mortgages, Knowledge Mortgages, Mortgages, Self Employed Mortgages|

You are leaving the NeedingAdvice website You are now departing from the regulatory site of NeedingAdvice. Neither NeedingAdvice nor Rosemount Financial Solutions (IFA) Ltd [...]

Are Sub-4% Mortgage Deals Gone in the UK? What It Means for You in 2026

2026-03-25T14:56:27+00:00March 19, 2026|Income Types, Mortgage Rates, Mortgages, Remortgages|

If you’ve been searching for a home loan recently, you’ve probably noticed that sub-4% fixed rate mortgage deals are becoming harder to find in the [...]

Mortgage After Changing Jobs UK — What Lenders Actually Want to See

2026-06-23T16:10:37+00:00March 4, 2026|Mortgages, Mortgages for Different Occupations / Income Types, Using a Broker|

Yes, you can get a mortgage after changing jobs in the UK. That is the short answer, and I want to lead with it because [...]

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