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.

Understanding a Joint Mortgage Paid by One Person in the UK

2026-09-16T14:03:13+00:00November 7, 2024|Credit Score, Income Types, Mortgage Ownership Equity Transfers, Mortgage Process, Remortgages|

A joint mortgage paid by one person poses unique challenges within the UK’s property and mortgage landscape. Whether motivated by changes in financial circumstances, [...]

Understanding the Process of Adding a Partner to Your Mortgage

2026-09-15T08:51:45+00:00November 5, 2024|Knowledge Mortgages, Mortgage Ownership Equity Transfers|

In this article, we’ll explore the details of how to add your partner to your mortgage, while also breaking down the potential costs involved. Whether you’re deepening your relationship or looking for ways to maximize your financial situation, this guide will give you the insights you need. Let’s take this journey together.

What to Expect from the Next Bank of England Interest Rate Review: A Mortgage Broker’s Perspective

2026-03-27T11:48:09+00:00October 31, 2024|Mortgage Rates, Purchase Mortgages|

The next Bank of England interest rate review has mortgage holders, savers, and investors closely watching for changes that could affect everything from borrowing [...]

My Partner Owns the House: What Rights Do I Have in the UK?

2026-03-27T11:48:10+00:00October 22, 2024|Knowledge Mortgages, Mortgage Ownership Equity Transfers|

Buying a home is one of the biggest decisions you’ll make, and it’s not just about choosing the right property—it’s also about making sure [...]

Understanding a £350,000 Mortgage: What You Need to Know

2026-09-07T08:22:08+00:00October 9, 2024|First Time Buyer Mortgages, Income Types, Knowledge Mortgages, Mortgage Rates, Using a Broker|

Taking out a £350,000 mortgage is one of the biggest financial decisions you’ll make, whether you’re a first-time buyer, moving up the property ladder, [...]

Mortgage Kitchen Requirements: How Missing Kitchens Impact Your Mortgage Approval

2026-09-16T14:02:47+00:00October 7, 2024|Mortgages for Different Properties, Property Types|

When applying for residential mortgages, the condition of the property is just as important as your financial status. A key factor that Mortgage lenders [...]

Short-Term Mortgages for Over 60s: Everything You Need to Know

2026-09-18T10:57:20+00:00September 23, 2024|At Retirement Planning, Knowledge Mortgages, Older Borrowers, Retirement Planning / Pensions, Retirement Planning Knowledge|

In the ever-evolving UK financial market, a mortgage is not one-size-fits-all. While a standard mortgage typically spans 25 years, some lenders offer terms that [...]

Age Requirement for Mortgages with Employment Income: Everything You Need to Know (UK)

2026-08-24T16:01:49+00:00September 12, 2024|At Retirement Planning, Income Types, Interest Only, Knowledge Mortgages, Older Borrowers, Retirement Planning / Pensions|

Imagine this: you're in your golden years, enjoying retirement and reflecting on a life well-lived. But then a thought enters your mind - what [...]

How to Get a Mortgage on a Property Owned Outright in the UK?

2026-07-17T08:20:58+00:00September 10, 2024|Knowledge Mortgages, Mortgages for Different Properties, Remortgages|

In the UK, many individuals who own their homes outright are exploring the potential of purchasing a second property. Whether it’s a quaint holiday [...]

Everything You Need to Know About the Laing Easiform Mortgage

2026-09-16T14:02:12+00:00September 6, 2024|Mortgage Process, Mortgage Rates, Mortgages for Different Properties|

Thinking about buying a Laing Easiform house? Here is everything you need to know before purchasing... What is Laing Easiform? Laing Easiform houses are [...]

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