Mike Dervey - Mortgage & Protection Adviser

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Kingston upon Hull
Mike Dervey - Mortgage & Protection Adviser

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Mortgage Advice Bureau are the UK’s leading mortgage network winning 150 national awards and counting for the quality of our advice and service.

Hi I'm Mike, a mortgage and protection adviser, based in Hull.

🏠 First time buyers
🏠 Remortgages
🏠 Landlords & much more...

Get in contact via phone📞email💻or direct message📲 so we can find the most suitable deal for you. We operate as a local mortgage broker in Hull and the surrounding areas. Whether you’re a first time buyer, remortgaging, moving home or interested in buy to let, you can rely on our expert support every step of the way. With access to 1000s of mortgage products from over 90 UK lenders, we can help find the mortgage deal that’s right for you. We’ll take care of everything from discussing your option and helping you find the right mortgage, to choosing the most suitable protection for you and your family. We handle the whole application process for you and are here for you even after completion. Our mortgage advisers in Hull offer a free initial mortgage consultation and are available for a convenient home visit, evening and weekend appointments if required.

*Your home may be repossessed if you do not keep up your repayments on your mortgage. There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.*

05/11/2026

A credit score, sometimes known as a credit rating, is a number that is a representation of your reliability when it comes to borrowing and repaying money from lenders. 💳

The higher the number, the better your score. 📈✔️ This means that if you have a higher credit score, you are more likely to be approved for credit, be it a mortgage, loan, or credit card.

Your credit score is based on how you have handled your finances in the past and is determined using your credit report, which is created using information such as how you manage your bank accounts, information from the electoral register, details of any bankruptcies, and a record of any credit you've held.

We always recommend speaking to a mortgage broker, even if you’re just starting out in your mortgage journey. 👋

05/11/2026

Bank Rate rises to 4% - here's what it means for you! 🏦

👉 Coming to the end of your current deal?
If you're within 6 months of your fix ending, it's worth exploring your options now and checking what your monthly payments could become. Your fixed-rate payments won't change until your deal ends. If you're on a tracker, payments usually follow the base rate, while changes to standard variable rates depend on your lender.

👉 Thinking about buying your first home?
The rise could affect what you can borrow, although some of the increase may already be reflected in fixed-rate deals. Whether you're buying your first home or moving, it's worth checking your budget would still work at a slightly higher rate. If you already have a mortgage offer, check what today's decision means for you.

Not sure where to start? That's exactly what we're here for 😊

02/11/2026

Mortgages can feel complicated, but getting advice doesn’t have to be.😬💭

We’re here to help you understand your options, whether that’s finding a mortgage or looking at protection to suit your needs. No unnecessary jargon, just straightforward advice and support throughout the process!

Get in touch if you’d like to have a chat. 👋

31/10/2026

Happy Halloween! 🎃 👻

29/10/2026

The thought of remortgaging can be daunting, but it doesn’t have to be...✋

We can take the fear out of the process - helping you find a deal that fits you and your personal needs!

We will guide you through every step, explain your options clearly, and help you save where it counts. Because when it comes to mortgages, there’s nothing to fear when you’ve got the right advice. 💀

Reach out today and see how stress-free remortgaging really can be 👀

29/10/2026

AUTUMN BUDGET 2026: What does it mean for the property market? 🏡

The Budget announced yesterday brings important changes for first-time buyers, homeowners and landlords. Here’s what you need to know: 👇

🔑 First-time buyers - 'Your First Home' scheme launching in April 2027, which could allow eligible first-time buyers to purchase a new-build property with a 2.5% deposit and a 20% government-backed equity loan.

🏘️ Landlords - Tax increase on property income is rising from the previously announced 2% to 4% from the 2027–28 tax year. This could squeeze landlords’ profits further, potentially influencing decisions to sell or retain rental properties.

💷 Higher-value homes - The High Value Council Tax Surcharge has been clarified, with annual charges ranging from £2,500 for properties valued between £2m and £2.5m to £7,500 for homes worth £5m or more.

📈 House prices - The Office for Budget Responsibility forecasts average house price growth of 11.6% over the next four years, but has reduced its projections for housing market activity by around 4% from the beginning of 2027.

Have questions about your mortgage or property plans? Get in touch today! 👋

26/10/2026

Divorce is an emotionally charged experience, and thinking about the financial considerations can feel like a lot to juggle. ❤️‍😕

One of the many challenges faced by divorcing couples is the division of assets, and this includes the family home. Often, one spouse will keep the property, while the other will look for a new place to live. For the individual retaining ownership of the home, remortgaging can be a practical step towards financial stability and a fresh start.

🏡 Assess your finances
🏡 Get your property valued
🏡 Explore your oprtions

If you’re divorcing and looking to remortgage, get in touch today. I can talk you through your options to find a mortgage deal that works for your financial circumstances. 🧡

25/10/2026

Are you interested in buying a second property but wonder how you could afford it? Remortgaging your house could be a potential option... 🏡🤔

Here are some of the types of second properties if you’re thinking about remortgaging your house:
👉 Second home/holiday home
👉 Buy-to-let
👉 Let-to-buy
👉 For a family member

No matter where you are in your homebuying process, we’re on hand to help you achieve your dreams of homeownership. 👋

Get in touch with us today and let’s discuss your options. 🙂

22/10/2026

Critical illness cover can provide peace of mind during a truly challenging time for you and your loved ones. 💙

Critical illness cover is a type of insurance policy that provides a one-off, lump sum payment to an individual who is diagnosed with a critical illness. The policy is designed to help individuals cover the costs associated with their illness, such as a loss of income.

A critical illness is classed as a serious medical condition that can have a debilitating impact on a person's quality of life. These illnesses are often life-threatening and can include cancer, heart attack, stroke, and organ failure. They can also include severe injuries, such as paralysis or loss of limbs. 🩺🩹

We are committed to finding the right protection policies for your needs in order to protect what matters to you most and give you peace of mind, should the worst happen. 🛡️

20/10/2026

Seeing everyone else buy their first home and feeling a little FOMO? 👀🔑

It’s easy to think you’re falling behind when people around you are getting their keys and moving into their own places... but buying your first home isn’t a race, and you might actually be closer than you think! 🏡

With the right mortgage advice, you can get a clearer picture of what’s possible, understand your options and feel more confident about taking that next step. Let’s explore what could work for you. 🏠✨

Address

2-4 George Street
Kingston Upon Hull
HU165QU

Telephone

+447921220746

Website

https://www.mortgageadvicebureau.com/mortgage-advisers/newland-avenue-hull

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