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.

How to Get Approved for a Mortgage with Overtime Income?

By |2025-09-17T09:15:18+00:00June 1, 2023|Income Types, Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Using a Broker|

Mortgage Overtime Income Getting a mortgage with overtime income is possible, but there are some important considerations. First, lenders will need to verify that [...]

Understanding Mortgage Credit Checks: A Comprehensive Guide

By |2025-12-19T10:33:36+00:00May 31, 2023|Adverse Credit, Credit Problem Mortgages, Credit Score|

Mortgage Credit Checks Getting a mortgage with soft and hard credit checks in past is complicated because of various reasons. Mortgage Lenders look at [...]

Track Record Mortgages: A Path to Homeownership for First-Time Buyers

By |2026-01-07T12:22:08+00:00May 11, 2023|First Time Buyer Mortgages, Knowledge Mortgages, Loan to Values / Deposits|

Did you know, new track record mortgage from Skipton Intermediaries offers up 100% LTV for the first time buyers? The property market is notoriously [...]

Construction Industry Scheme Mortgages – A Guide to Eligibility & Lenders in the UK

By |2026-01-07T10:30:52+00:00April 6, 2023|Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Self Employed Mortgages|

CIS is short for ‘Construction Industry Scheme’ and was set up by HM Revenue & Customs (HMRC) as a way for people who work in construction to pay tax. Self-employed individuals and sole traders can find it challenging when applying for a mortgage due to the way lenders calculate affordability based on net profit figures, which then results in being offered a lower mortgage loan.

UK Mortgages for Non-Residents: Everything You Need to Know

By |2026-01-03T10:50:43+00:00March 29, 2023|Knowledge Mortgages, Non Standard Residency Mortgages|

UK Mortgages for Non-Residents If you are a non-UK resident and are looking to purchase property in the UK, you may be wondering [...]

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