About Damian Youell

Articles by Damian Youell – Senior Mortgage Broker 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.

Mortgages for Flats Above Commercial Premises: Everything You Need to Know

By |2025-09-08T13:51:16+00:00September 7, 2025|Mortgage Process, Mortgages for Different Properties, Property Types|

For the last decade, we have received many queries regarding mortgages for flats above a shop. With this article, we [...]

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Independent Mortgage Advisor Near Me – Expert UK Mortgage Advice

By |2025-09-04T11:37:58+00:00September 4, 2025|Financial Advice, Income Types, Interest Only, Mortgages|

Finding the right mortgage is one of the most important financial decisions you will ever make. With so many lenders, products, and criteria available, the home buying [...]

Family Opportunity Mortgage – Guide for UK Landlords & Property Investors

By |2025-08-13T13:32:59+00:00August 13, 2025|Buy to Let Mortgages, First Time Buyer Mortgages, Income Types, Mortgages|

If you’re a landlord, property investor, or homeowner looking to help a loved one buy a home, a Family Opportunity Mortgage could be the [...]

Halifax 1 Year Self Employed Mortgage Guide 2025: Latest Criteria & Requirements

By |2025-08-07T12:18:17+00:00August 6, 2025|Knowledge Mortgages, Occupations|

Getting a mortgage whilst self-employed can be challenging, especially for those with a new business, whether a or a limited [...]

SPV with Holding Company: Essential Guide for UK Landlords and Investors

By |2025-07-25T12:54:14+00:00July 9, 2025|Buy to Let Mortgages, Financial Advice, Mortgages|

Property investment in the UK is becoming increasingly structured, with many landlords and investors opting for advanced arrangements such as [...]

Should You Set Up a BTL Trading Company for Property Investment?

By |2025-07-25T12:54:21+00:00July 2, 2025|Business Protection, Buy to Let Mortgages, Investment BTL Mortgages|

As a landlord or property investor in the UK, you might have heard of setting up a Buy-to-Let (BTL) trading company. While it may seem [...]

How to Remove Late Payments from Your Credit Report in the UK?

By |2025-08-18T13:59:20+00:00January 29, 2025|Adverse Credit, Credit Problem Mortgages, Credit Score, Financial Advice, Income Types|

Late payments can significantly impact your credit history and make securing a mortgage application more difficult in the UK. However, there are strategies to [...]

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