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About Damian Youell

Company Director and NeedingAdvice.co.uk Ltd. Experienced mortgage broker offering advice and help to many hundreds of clients. Takes pride in getting hard to get agreed mortgages agreed for clients and often gets mortgage offers agreed where other brokers have failed. Also expert in business protection solutions such as relevant life policies, key person insurance and shareholder protection.

What is a Product Fee on a Mortgage? Hidden Costs & Smart Savings Explained

By |2025-03-20T11:25:51+00:00March 19, 2025|First Time Buyer Mortgages, Knowledge Mortgages, Mortgage Rates, Mortgages|

When navigating the UK mortgage landscape, it’s essential to understand the different fees involved in the property purchase process. One of the most significant yet often overlooked [...]

What are my divorce and mortgage buyout options?

By |2025-03-17T13:21:37+00:00March 16, 2025|Business Protection Tools, Remortgages, Using a Broker|

Divorce is a challenging time, both emotionally and financially. One of the biggest concerns for joint owners is deciding what to do with their shared home. Should [...]

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Mortgage Lenders for Non-Standard Construction: How to Secure a Mortgage for Your Unique Property

By |2025-03-12T16:31:34+00:00March 11, 2025|First Time Buyer Mortgages, Mortgages|

Finding a mortgage for a non-standard construction house can be challenging, as many high-street lenders apply strict criteria when assessing properties that fall outside the conventional brick walls and [...]

Reema Construction Mortgage: How to Finance a Non-Standard Home

By |2025-03-07T12:25:57+00:00March 6, 2025|Knowledge Mortgages, Mortgage Rates, Mortgages, Mortgages for Different Properties, Property Types|

Can I Get a Reema Construction Mortgage? Obtaining a Reema construction mortgage can be challenging due to the property’s non-standard construction method. Lenders typically prefer traditional building types—such [...]

Trussle Mortgage vs. Local & Virtual Mortgage Brokers: Which One is Right for You?

By |2025-03-04T11:00:52+00:00March 3, 2025|Mortgage Process, Mortgage Rates, Mortgages, Remortgages|

Introduction: The Evolution of Mortgage Brokering The mortgage market has changed dramatically in recent years. Traditional mortgage advisers working with street banks, building societies, and independent firms once dominated the [...]

Mortgage for Properties Near Mineshafts: Expert Guidance

By |2025-02-25T13:32:00+00:00February 24, 2025|Mortgages, Mortgages for Different Properties|

Getting a mortgage on a mine shaft near property is more complicated than getting a regular mortgage. This is because of the risks involved in getting [...]

What Is a Lender SVR? A Guide to Standard Variable Rates in Mortgages

By |2025-02-19T14:59:05+00:00February 19, 2025|Interest Only, Mortgages, Using a Broker|

When taking out a mortgage in the UK, you’ll often hear the term Standard Variable Rate (SVR). This is the default interest rate set by mortgage lenders that borrowers [...]

Getting a Mortgage with a Lodger: What You Need to Know

By |2025-02-17T14:31:39+00:00February 18, 2025|Buy to Let Mortgages, Financial Advice, Income Types, Knowledge Mortgages, Mortgage Process, Mortgages|

Thinking About Taking in a Lodger? Here’s What You Need to Know. With the rising cost of living, increasing mortgage repayments, and rising cost of rent, many [...]

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