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.

12-Month Mortgage Offer for New Builds: A Comprehensive Guide

By |2025-11-13T13:34:53+00:00February 11, 2024|Mortgages for Different Properties, Property Types|

In the ever-evolving landscape of the UK property market, securing the right mortgage offer is crucial. This is especially true for new builds, where [...]

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Mortgages for Professional Sportsmen: A Comprehensive Guide

By |2025-11-13T13:08:35+00:00February 2, 2024|Income Types, Mortgages for Different Occupations / Income Types, Occupations|

In the world of professional sports, financial stability is as crucial as physical agility. The question, “Can I get a mortgage as a professional [...]

What Happens When my Fixed Rate Mortgage Ends?

By |2025-12-19T10:39:18+00:00November 14, 2023|Interest Only, Knowledge Mortgages, Product Transfers, Rate Switches|

Just like all other types of loans, mortgages carry an interest payment element charged by the lender for loaning a borrower money to buy a property. How much interest you are charged could vary depending on what type of product you have chosen from the lender.

What is a right to buy mortgage? | Complete Guide

By |2026-01-02T13:04:18+00:00October 9, 2023|Knowledge Mortgages, Loan to Values / Deposits, Mortgages for Different Properties|

The Right to Buy was introduced by the Housing Act of 1980 and gives local authority tenants in England the Right to Buy [...]

Mortgages for leasehold properties with short leases

By |2025-11-13T14:36:15+00:00September 13, 2023|Knowledge Mortgages, Mortgages for Different Properties|

Watch Our Video on Mortgages on Short Lease Properties Short leasehold mortgage calculator Use the short leasehold calculator below to work out if [...]

CheckMyFile Credit Report: The Best Way to Get Your Credit History and Score

By |2025-12-19T10:31:39+00:00July 6, 2023|Adverse Credit, Credit Problem Mortgages, Credit Score|

Your credit history plays a crucial role in your financial standing, influencing your ability to secure loans, credit cards, and favourable terms from lenders. [...]

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