Mortgage Broker Stoke on Trent

Damian Youell — Senior Mortgage Broker & Company Director

Damian leads the NeedingAdvice.co.uk team and specialises in cases that do not always fit standard high-street criteria — self-employed applicants, complex income structures, and clients who have experienced credit difficulties. He has helped hundreds of buyers across Staffordshire and the West Midlands find mortgages that work for their real circumstances.

Working alongside Damian, Matthew Shufflebotham handles cases across the Midlands, Sumaiya Patel (who also speaks Punjabi and Urdu) supports clients from all backgrounds, Romany Youell provides IFA advice covering pensions, investments and inheritance tax, and Miles Turner manages client relationships from enquiry through to completion. Meet the full team →

First-Time Buyer Mortgages

With average first-time buyer prices at £137,000, Stoke is one of the most accessible cities in England for those getting onto the ladder. We guide you through deposit requirements, affordability assessments, Shared Ownership and every available scheme. See our first-time buyer mortgage guides.

Remortgages

If your fixed or tracker rate is ending, a whole-of-market search can save you significantly against rolling onto your lender’s standard variable rate. We compare every relevant product and handle the paperwork so switching is straightforward.

Buy-to-Let Mortgages

Stoke’s low entry prices and rising rents make it one of the strongest BTL markets in the Midlands. We work with specialist landlord lenders and understand the local dynamics around student demand and multi-let properties. See our buy-to-let mortgage guides.

Self-Employed & Contractor Mortgages

Stoke’s growing creative and digital sector means many applicants have variable or self-assessed income. We know which lenders take a sensible view of accounts, tax returns and day-rate contracting. Complex income is our everyday.

Adverse Credit Mortgages

Missed payments, defaults, CCJs or a previous bankruptcy do not automatically end your chances of getting a mortgage. Our specialist lender relationships cover the full spectrum of adverse credit histories. See our adverse credit mortgage guides.

Home Mover Mortgages

Moving within Stoke, upsizing from a terrace to a semi, or relocating to the city from elsewhere — we handle the mortgage side of your move so you can focus on the bigger picture. Port your existing deal or find something better.

What is the average house price in Stoke-on-Trent?

The average house price in Stoke-on-Trent was £148,000 in December 2025, according to the ONS UK House Price Index. This is significantly below the West Midlands average of £246,000 and the UK average of £270,000, making the city one of the most affordable in England. First-time buyers paid an average of £137,000 over the same period — an entry point that remains genuinely achievable for many.

Is Stoke-on-Trent a good area for buy-to-let investment?

It is one of the most watched buy-to-let markets in the Midlands. Average private rents reached £698 per month in January 2026 — up 7.9% year-on-year — while purchase prices remain far below the national average. The presence of Staffordshire University and Keele University creates consistent demand from students and university staff, and multi-let strategies have performed strongly in areas close to both campuses. As with all investments, independent financial advice on your specific tax position is recommended alongside your mortgage advice.

Can I get a mortgage in Stoke-on-Trent with bad credit?

Yes. We work with a range of specialist adverse credit lenders who look at the full picture rather than simply rejecting on the basis of a credit score. Whether you have had missed payments, defaults, a CCJ or a previous bankruptcy, there are lenders who will consider your application. The right lender and product will depend on the type of adverse credit, when it occurred and your current income and deposit position — all of which we assess in your free initial consultation.

Do you charge a broker fee?

There is no upfront fee for your initial consultation. Our broker fee structure is explained clearly before you proceed with an application — no hidden costs or surprises. We receive a procuration fee from the lender on completion, and if a broker fee applies to your case, it will be set out in your Key Facts Illustration.

Which areas of Stoke-on-Trent do you cover?

We cover the full Stoke-on-Trent city area including all six towns — Hanley, Burslem, Tunstall, Stoke, Fenton and Longton — as well as surrounding areas such as Newcastle-under-Lyme, Kidsgrove, Alsager and throughout Staffordshire. We are a remote-first brokerage, so there is no need for an in-person appointment. We advise clients across the whole of the UK.