Business Details
12 Years
experience
Your Trusted Mortgage Brokers in the UK
NeedingAdvice is a whole-of-market mortgage brokerage dedicated to providing tailored financial solutions for individuals and businesses across the UK. With access to a comprehensive range of lenders, including major high-street banks and specialist providers, we prioritise clients' interests by identifying mortgage products that align with their unique circumstances. Our expertise extends to complex scenarios such as non-standard residency, self-employment, adverse credit, and unconventional property types, ensuring even challenging cases receive meticulous attention.The team combines technological efficiency with personalised service, offering online document management and direct communication throughout the application process. By maintaining relationships with over 7 providers for relevant life policies and specialist lenders, we deliver tax-efficient protection strategies alongside mortgage solutions. Our commitment to transparency, evidenced by hundreds of five-star reviews, underscores our position as a trusted advisor in the financial services sector.
Services
First-Time Buyer Mortgages
Self-Employed Mortgages
Buy-to-Let Mortgages
Equity Release Schemes
Relevant Life Policies
Commercial Mortgages
Adverse Credit Mortgages
New Build Mortgages
Remortgaging Services
Business Protection Insurance
Details
- Year established: 2014
Highlights and features
- Access to 70+ lenders, including exclusive deals unavailable through high-street banks
- Specialist expertise in non-standard mortgages for self-employed, expatriate, and adverse credit clients
- Personalised service with dedicated brokers managing applications from start to finish
- Transparent fee structure with no hidden costs or commission-based incentives
- Award-winning team with 15+ years of combined experience in mortgage and protection advice
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Whole-of-Market Mortgage Advice
Our whole-of-market brokerage accesses 70+ lenders to secure competitive mortgage rates tailored to individual circumstances. We specialise in complex cases involving self-employment, adverse credit, or non-standard properties. Clients benefit from personalised guidance through every stage of the application process, ensuring optimal financial solutions.
Relevant Life Policies
We provide relevant life policies that allow company directors to claim tax deductions for life insurance premiums while avoiding benefit-in-kind charges. These policies offer up to 49% savings compared to personal insurance, with coverage up to 25 times annual remuneration depending on age and provider terms.
Equity Release Schemes
Our equity release specialists help homeowners over 55 access tax-free cash from property equity. We offer advice on lifetime mortgages and home reversion plans, ensuring clients understand long-term implications for inheritance and means-tested benefits.
Commercial Mortgages
We arrange commercial mortgages for business premises, investment properties, and development projects. Our panel includes specialist lenders offering flexible terms for SMEs, startups, and established companies requiring funding for expansion or asset acquisition.
Adverse Credit Mortgages
Our team secures mortgages for clients with CCJs, defaults, or bankruptcy histories through specialist lenders. We assess individual circumstances to identify suitable products, providing guidance to improve credit profiles while securing competitive rates for existing challenges.
People
Damian Youell
Mortgage Broker & Company Director
Damian has 15 years' experience in mortgage advisory, specialising in complex cases including self-employed mortgages and equity release. He leads the brokerage's strategic direction while maintaining hands-on client relationships.
Romany Youell
Financial Adviser
Romany specialises in pensions, investments, and inheritance tax planning. With expertise in business protection strategies, she helps company directors implement relevant life policies and shareholder protection arrangements.
Matthew Shufflebotham
Mortgage Broker
Matthew focuses on residential mortgages for first-time buyers and those with non-standard income arrangements. He has particular expertise in assisting IT contractors and professionals with complex tax structures.
Sumaiya Patel
Mortgage Broker
Sumaiya provides mortgage solutions for diverse clients, offering services in Punjabi, Urdu, and English. Her specialisms include expatriate mortgages and advising clients with overseas income sources.
Miles Turner
Client Relationship Manager
Miles manages client communications throughout the mortgage process, ensuring smooth transactions from application to completion. He coordinates document collection and maintains regular updates with both clients and lenders.
Questions
What types of mortgages can NeedingAdvice.co.uk help with?
We assist with first-time buyer mortgages, buy-to-let, self-employed mortgages, equity release, commercial mortgages, and specialist products for non-standard residency or adverse credit situations.
Are your mortgage advisors qualified?
Our brokers hold CeMAP certifications and have 15+ years of combined experience, regulated by the Financial Conduct Authority for professional standards.
How do relevant life policies work?
These tax-efficient policies allow company directors to receive life insurance benefits paid for by their business, offering savings of up to 49% compared to personal policies.
Can you help with bad credit mortgages?
Yes, we work with specialist lenders to secure mortgages for clients with CCJs, defaults, or bankruptcy histories, leveraging our panel of adverse credit experts.
What areas do you cover?
We operate nationwide across the UK, including Scotland, Wales, and all English regions, with particular expertise in London and the South East property markets.
How quickly can you process a mortgage application?
Using our online portal and direct lender relationships, we typically move applications to offer stage within 5 working days, with completions in 4-6 weeks.
Reviews (3)
Nick
Jun 25, 2021
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Positive:Professionalism,Responsiveness
Second time using Damian, great service and good communication, also answering questions including replying to emaisl outside of oftice times. Finds a good deal too. Thanks Damian
Second time using Damian, great service and good communication, also answering questions including replying to emaisl outside of oftice times. Finds a good deal too. Thanks Damian
Sidd Bulsara
Apr 03, 2021
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Positive:Professionalism,Quality
Damian was super helpful and organised with renewing my mortgage. He is straight-forward and gets to the point to save time and is very efficient. He helped with BM Solutions.
Damian was super helpful and organised with renewing my mortgage. He is straight-forward and gets to the point to save time and is very efficient. He helped with BM Solutions.
Susan Darkwa
Jun 13, 2018
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Diamian provided a 5 star service to getting the best mortgage for me from start to finish. He provided me with detailed updates he was very professional throughout the process. I would highly recommended needing advice .co.UK to friends and family without hesitation.
