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 Friends: Your Path to Homeownership

2026-03-27T11:23:40+00:00May 6, 2025|Financial Advice, Knowledge Mortgages, Mortgage Ownership Equity Transfers, Mortgage Process|

Are skyrocketing housing prices making you feel locked out of homeownership? You're not alone. A staggering 75% of millennials are unable to [...]

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 [...]

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

2026-07-24T16:10:41+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 [...]

Legal and General Lifetime Mortgage: Everything You Need to Know

2026-07-13T10:02:46+00:00May 30, 2024|Equity Release, Retirement Planning / Pensions, Retirement Planning Knowledge|

Legal and General Lifetime Mortgage is an increasingly popular product in the equity release sector. It enables homeowners to tap into their property wealth [...]

Mortgage Declined in the UK: Your Comprehensive Guide to What’s Next

2026-07-14T12:06:44+00:00November 29, 2023|Credit Problem Mortgages, Knowledge Mortgages|

There are several reasons why an applicant might be declined after submitting a mortgage application but it doesn’t mean you are totally out of hope and unable to be accepted but don’t rush out to reapply again until you have understood the reasons why you were declined and made improvements or perhaps you need find a lender that is more suitable for you as lenders criteria’s and requirements can vary lender to lender.

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