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.

What Should You Know Before Reading a Shareholder Protection Insurance Guide?

2026-03-27T11:23:42+00:00March 23, 2025|Business Protection|

This resource explains how shareholder protection works for business owners, how it supports succession planning, and how it aligns with wider financial decisions such [...]

What Happens When my Fixed Rate Mortgage Ends?

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

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

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

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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