Business Details
Your Trusted Mortgage Brokers in Huddersfield
NeedingAdvice is a whole-of-market mortgage brokerage specialising in tailored financial solutions for residential and commercial property needs. With access to major high-street lenders and specialist providers, we assist clients in securing mortgages across diverse circumstances including non-standard residency, complex income structures, and unique property types. Our team of FCA-regulated advisers combines technological efficiency with industry expertise to streamline the mortgage process, offering transparent guidance from initial consultation to completion.We prioritise client-centric service, leveraging extensive market knowledge to identify competitive deals while maintaining compliance with UK regulatory standards. Our services extend to equity release, protection policies, and business financial solutions, supported by partnerships with leading insurers and lenders.
Services
Mortgage Advice
Equity Release
Remortgaging
Buy-to-Let Mortgages
Commercial Mortgages
Life Insurance
Relevant Life Policies
Highlights and features
- We offer 15+ years of combined experience in mortgage advisory services
- Our whole-of-market access covers 90%+ of UK lenders including niche specialists
- We implement a patented underwriting process for complex cases
- Our team holds CeMAP and DipPFS qualifications in mortgage advisory
- We provide transparent fee structures with no hidden charges
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Expert mortgage advice
Efficient service
Tailored solutions
Transparent fees
Professional team
Services
Whole of Market Mortgage Advice
Our whole-of-market mortgage advisory service provides access to 90%+ of UK lenders, including major high-street banks and specialist providers. We assist clients with standard and complex cases involving non-standard income structures, residency status, or unique property types. Our FCA-regulated advisers use advanced comparison tools to identify competitive deals while maintaining compliance with UK regulatory standards.
Equity Release Schemes
We specialise in equity release products for homeowners seeking to access property wealth while retaining residency. Our advisers explain lifetime mortgages and home reversion plans, detailing tax implications and inheritance impacts. We work with multiple providers to find suitable options for clients requiring funds for home improvements, retirement support, or family assistance.
Buy-to-Let Mortgages
Our buy-to-let mortgage service caters to landlords and property investors across the UK. We offer access to specialist lenders with competitive rates for standard and complex cases involving limited companies, portfolio landlords, or non-resident investors. Our team provides guidance on tax-efficient structures and portfolio management strategies.
Commercial Mortgages
We arrange commercial mortgages for business premises, investment properties, and development projects. Our services cover standard commercial mortgages, bridging loans, and specialist finance for non-standard business structures. We work with lenders offering flexible terms for SMEs, property developers, and corporate clients across various industries.
Relevant Life Policies
Our relevant life policy service provides tax-efficient life insurance solutions for company directors and business owners. These policies offer corporation tax relief on premiums while avoiding benefit-in-kind charges. We work with multiple providers to find suitable coverage amounts and terms for business protection and employee benefits schemes.
People
Damian Youell
Mortgage Broker & Company Director
Damian has over 15 years' experience in mortgage advisory services, specialising in complex cases involving non-standard income and property types. He leads the brokerage team at NeedingAdvice.
Sumaiya Patel
Mortgage Broker
Sumaiya provides mortgage solutions in multiple languages, including Punjabi and Urdu. She specialises in first-time buyer mortgages and expatriate financing solutions.
Romany Youell
Financial Adviser
Romany focuses on pensions, investments, and inheritance tax planning. She holds advanced qualifications in financial planning and wealth management.
Matthew Shufflebotham
Mortgage Broker
Matthew specialises in commercial mortgages and buy-to-let financing. He has particular expertise in complex property transactions and business loan structures.
Miles Turner
Client Relationship Manager
Miles manages client communications and post-sales support. He ensures smooth processing of mortgage applications and ongoing client satisfaction.
Questions
What does 'whole of market' mortgage advice mean?
Whole of market brokers access 90%+ of UK lenders, including exclusive deals unavailable through high-street banks or restricted advisers.
Can you help with mortgages for non-residents?
Yes, we specialise in mortgages for non-residents and those with complex residency status, including visa holders and overseas income.
What mortgage options exist for self-employed applicants?
We work with lenders accepting various income proofs including SA302 forms, accountants' letters, and cashflow assessments for self-employed applicants.
How do relevant life policies benefit company directors?
These tax-efficient policies allow businesses to cover life insurance costs as operating expenses while avoiding benefit-in-kind charges for directors.
Can you assist with bad credit mortgages?
Yes, we partner with specialist lenders offering mortgages for applicants with CCJs, defaults, or previous bankruptcies, subject to affordability.
What equity release options are available?
We provide lifetime mortgages and home reversion plans from multiple providers, explaining tax implications and inheritance impacts.
