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.

Mortgage with a 3 Year Old CCJ: Get the Best Rates and Options

By |2025-12-19T10:34:42+00:00April 30, 2025|Adverse Credit, Credit Problem Mortgages, Credit Score|

Securing a mortgage with a 3-year-old County Court Judgment (CCJ) can be challenging, but it's not impossible. A CCJ is a public record [...]

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 [...]

Exploring Offshore Mortgages in the UK: Everything You Need to Know

By |2026-01-28T10:36:59+00:00January 27, 2025|Knowledge Mortgages, Mortgages for Different Properties|

Are you considering buying property overseas but struggling to find the right financing option? Have you heard of offshore mortgages but don’t fully understand what they [...]

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Moving House Mortgages: Simplify the Process in the UK

By |2026-01-03T08:06:56+00:00January 14, 2025|Financial Advice, Knowledge Mortgages, Mortgage Process, Mortgage Rates, Product Transfers, Remortgages|

Moving House Mortgage Getting a moving house mortgage is always a complicated process in the UK. In this helpful guide on moving house mortgages [...]

Comprehensive Guide to Securing a Mortgage for Single Mothers with bad credit

By |2025-11-13T14:44:28+00:00December 15, 2024|Income Types, Mortgages for Different Occupations / Income Types, Occupations|

Getting a mortgage as a single mother with bad credit can feel overwhelming, especially when juggling the financial responsibilities of raising a family. But [...]

Understanding Landlord Gifted Deposits for Mortgages

By |2025-11-28T10:00:20+00:00November 24, 2024|First Time Buyer Mortgages, Using a Broker|

Getting a mortgage with a gift deposit from the landlord is not as simple as other types of gift deposits in the UK. Most [...]

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Understanding a Joint Mortgage Paid by One Person in the UK

By |2025-12-19T10:35:10+00:00November 7, 2024|Credit Score, Income Types, Mortgage Ownership Equity Transfers, Mortgage Process, Remortgages|

A joint mortgage paid by one person poses unique challenges within the UK’s property and mortgage landscape. Whether motivated by changes in financial circumstances, [...]

Understanding the Process of Adding a Partner to Your Mortgage

By |2026-01-03T08:05:07+00:00November 5, 2024|Knowledge Mortgages, Mortgage Ownership Equity Transfers|

In this article, we’ll explore the details of how to add your partner to your mortgage, while also breaking down the potential costs involved. Whether you’re deepening your relationship or looking for ways to maximize your financial situation, this guide will give you the insights you need. Let’s take this journey together.

How to Get a Default Removed After 6 Years: A Complete Guide for UK Borrowers

By |2025-12-19T10:35:47+00:00October 1, 2024|Adverse Credit, Credit Problem Mortgages, Credit Score|

Managing your credit file and keeping a clean credit history is crucial for financial stability, especially if you’re dealing with a default notice on [...]

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