Damian Youell, Author at Whole of Market Mortgage Brokers

About Damian Youell

Damian Craig Youell is a whole of market mortgage and protection adviser based in Huddersfield, West Yorkshire, and has been a regulated adviser since 2009. He holds CeMAP, CeFA and the Diploma for Financial Advisers, and is certified under the FCA Certification Regime by Rosemount Financial Solutions (IFA) Limited, firm reference 535515. His FCA individual reference number is DCY01011. He advises on residential and buy to let mortgages, self employed and complex income cases, adverse credit, and on life cover, critical illness and income protection, including applications affected by occupation, hazardous activities or a medical condition.

Which Mortgage Lenders Accept Universal Credit and Other Benefits?

2026-09-16T14:11:44+00:00September 14, 2026|Knowledge Mortgages|

In short: yes, a number of UK lenders will consider benefit income on a mortgage application. Personal Independence Payment, Disability Living Allowance, Attendance Allowance, Carer’s [...]

Mortgage For Elderly Parents | Expert Mortgage Broker Advice

2026-08-27T01:13:59+00:00May 13, 2026|Income Types, Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Older Borrowers|

📌 Later Life Mortgages DY Damian Youell, Senior Mortgage Broker & Company Director Last reviewed: May 2026  |  FCA Regulated Two of the most [...]

Is Santander New Product a good mortgage choice for first-time buyers in the UK in 2026?

2026-09-14T14:31:36+00:00February 4, 2026|First Time Buyer Mortgages, Knowledge Mortgages, Mortgage Process, Mortgages|

Santander New Product mortgages aim to support buyers saving up for a home or moving along the property ladder in 2026. This guide explains Santander [...]

Concessionary Purchase Mortgage Explained | Needing Advice

2026-09-04T09:30:47+00:00January 22, 2026|Mortgage Process, Mortgage Rates, Mortgages, Property Types, Purchase Mortgages|

A mortgage with Concessionary Purchase is used when you buy a home for less than it is worth, usually from a family member or landlord. The discount [...]

Mortgage on a Spouse Visa UK: Eligibility & Lenders | Needing Advice

2026-09-02T16:00:41+00:00January 7, 2026|Knowledge Mortgages, Mortgage Process, Mortgages for Different Occupations / Income Types, Non Standard Residency Mortgages|

Yes, you can get a UK mortgage on a spouse/partner visa. Lenders typically focus on your visa time remaining, deposit size (LTV), UK income evidence and your UK credit footprint, as well as whether you are applying jointly with a British or settled partner. This guide explains the key requirements, documents you will usually need, typical timelines, and practical steps to improve approval chances.

Will taking Ozempic affect your mortgage and protection application?

2026-08-27T06:19:11+00:00January 5, 2026|Personal Protection, Personal Protection Knowledge, Personal Protection Tools|

If you take Ozempic, you can still apply for a mortgage and you can still arrange protection. The key is passing lender affordability checks [...]

How does applying for probate affect getting a mortgage in the United Kingdom?

2026-03-27T11:47:12+00:00December 12, 2025|Mortgage Rates, Mortgages|

When you are applying for probate, mortgage lenders mainly want two things: legal clarity (who can sign and sell or transfer the property) and timing clarity (when the transaction [...]

What is a Day One Remortgage and how does it work in the UK?

2026-08-25T12:32:42+00:00December 10, 2025|Buy to Let Mortgages, Knowledge Mortgages, Mortgage Process, Mortgages, Remortgages|

Buying a property and then needing to change your mortgage straight away can feel confusing. A Day One Remortgage(sometimes written as a Day 1 Remortgage or Day 1 [...]

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