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.

Joint Mortgage with Siblings (UK): How It Works, Pros, Cons & Key Risks

2026-01-19T11:51:13+00:00January 18, 2026|Financial Advice, Knowledge Mortgages|

Yes, you can get a joint mortgage with siblings in the UK. Lenders assess you like any joint application: combined affordability, credit history, deposit, and age/term limits. [...]

Refurb mortgage: what is it, and can you get one in the United Kingdom in 2026?

2026-01-19T11:49:14+00:00January 16, 2026|Bridging Loan, Buy to Let Mortgages, Knowledge Mortgages, Mortgages, Property Types, Remortgages|

A refurb mortgage is a mortgage used when a home needs refurbishment works before it feels finished or ready to rent. The lender checks [...]

Mortgages for Gen Z: How can Gen Z get a UK mortgage in 2026?

2026-01-14T17:52:59+00:00January 14, 2026|Buy to Let Mortgages, First Time Buyer Mortgages, Income Types, Knowledge Mortgages, Mortgages|

Owning a home remains a key financial goal for many people and Generation Z is no different. However getting a UK mortgage in 2026 [...]

What Are the Monthly Repayments on a £120,000 Mortgage? | Mortgage Costs Explained

2026-04-29T11:26:40+00:00January 10, 2026|Credit Score, Income Types, Interest Only, Mortgage Process, Mortgage Rates|

Quick Answer: How much is a £120,000 mortgage per month? A £120,000 repayment mortgage over 25 years costs approximately £507/month at 3%, £569/month at [...]

Influencer mortgages: how do mortgages for influencers work in the UK in 2026?

2026-01-12T16:24:18+00:00January 9, 2026|Buy to Let Mortgages, First Time Buyer Mortgages, Income Types, Knowledge Mortgages, Mortgages|

Influencer mortgages (mortgages for influencers) are not a special product. They are normal UK mortgages where the key challenge is proving income that can change [...]

Can I get an adverse credit buy to let mortgage?

2026-01-06T13:15:12+00:00December 21, 2025|Adverse Credit, Buy to Let Mortgages, Credit Problem Mortgages, Credit Score, Investment BTL Mortgages, Knowledge Mortgages|

Over the years, we have recieved many queries from the people asking for BTL mortgage but the problem is the bad or adverse credit [...]

What Should UK Landlords Understand About HMO Mortgages Before Buying a House in Multiple Occupation?

2025-11-28T13:25:11+00:00November 28, 2025|Investment BTL Mortgages, Knowledge Mortgages, Mortgages for Different Properties|

You may have heard of the term ‘HMO’ more frequently lately or sometimes it can be referred to as ‘house share’. HMO stands for ‘House in Multiple Occupation’ or ‘House with Multiple Occupants’ which is described as a home shared by more than one household and where there are common areas that are shared..

MUFBs Mortgages Explained | Multi Unit & Block Mortgage Criteria

2025-11-27T12:10:43+00:00November 27, 2025|Financial Advice, Mortgages for Different Properties, Using a Broker|

Investing in property is a cornerstone of wealth creation for many UK landlords, but moving beyond single buy-to-let properties into more complex assets can [...]

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