John Carey-Shields - Mortgage & Protection Adviser

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John Carey-Shields - Mortgage & Protection Adviser

Independent Mortgage & Protection Specialist with 10 years industry experience.

As a Mortgage and Protection Adviser, I take great pride in helping my clients on their journey to realise their property goals. Whether you are purchasing your first home, a bigger home for a growing family, raising money for home improvements, refinancing debt to make life easier or making a property investment – my goal is to help steer you through the complicated mortgage market. I am also pas

sionate about attention to detail, debunking market myths and most importantly, ensuring that all my clients receive the right advice when it comes to being protected in the event of death, illness or incapacity. When away from the office, I enjoy spending time with my wife and two daughters, family days out and walking our dog Oscar. I’m also a keen cyclist and enjoy riding my bike around the Lancashire lanes and beyond, whatever the weather! Areas of Expertise:
As a whole of market mortgage & protection adviser I provide advice to my clients on all mortgage and remortgage requirements, however I do also specialise in the following areas:

Adverse Credit
Self Employed
Buy to Let/Let to Buy
Portfolio Landlords & Ltd Company Buy to Let
Later Life Lending

20/04/2026

Interest only lending on a residential basis comes with many caveats for which you should always seek professional help and guidance on whether this is the appropriate solution.

09/03/2026

📣Review your mortgage now! 📣

If your current mortgage deal ends within the next 6 months, you may already be able to secure your next rate now. Lenders are changing products and increasing rates quickly in reaction to the ongoing situation in the Middle East and there’s no guarantee the changed rates won’t increase further.

There is no obligation to explore your options and no obligation after you’ve secured a new product to complete on it, however at least you will know where you stand in uncertain times.

📩 Get in touch if you’d like to review your mortgage and see what’s available.

⚠️Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay a fee for mortgage advice, this fee will be discussed with you prior to commencement of any application⚠️

18/12/2025

🎄 Andrew and his colleagues at The Bank of England have cut the Base Rate to 3.75% 🎄

That’s welcome news for homeowners and buyers alike.

A lower base rate can mean:

✅ Improved remortgage options
✅ Potentially lower monthly payments, particularly if you are on a variable or tracker rate mortgage
✅ More confidence for first-time buyers and home movers

If your current deal is ending in the next 6 months, or you’re thinking about purchasing, now could be a great time to review your mortgage options or get mortgage ready.

💬 Let’s have a conversation and explore what’s available in today’s changing market.

⭐ 5-star service, expert advice, and support from start to finish.

📞 Get in touch to discuss your mortgage options today.

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.
⚠️ Rates and criteria are subject to change.
⚠️ Mortgage advice is subject to individual circumstances.
⚠️ Think carefully before securing other debts against your home.

26/11/2025

🏡 Budget 2025: Quick Property Update

For Buyers & Homeowners
• No big housing or stamp duty changes — steady market 👍
• From 2028, homes £2m+ face a new yearly surcharge 💸
• Mortgage rates expected to stay competitive 📉

For Landlords
• Rental income tax rising by 2% from 2027 📈
• No new landlord incentives — time to review your figures 📊

Bottom line:
A stable market for buyers, extra costs for high-value homes, and higher tax ahead for landlords.

My opinion is that this budget will bring about market stability which will feed in to mortgage interest rates being less volatile than what we’ve seen in the last few years.

Use this moment of relative policy stability to speak to professionals (mortgage adviser, tax professional, letting specialist) and ensure your property plans are still aligned with your goals. 🤙🏼📲

29/10/2025

🏡✨ Completion Day! ✨🏡

Huge congratulations to my client Megan on collecting the keys to her first home today! 🗝️💛

Helping first-time buyers turn their homeownership dreams into reality is always such a rewarding part of my job. From the first conversation to completion day — it’s been an absolute pleasure guiding you through the process.

Wishing you all the happiness in your new home! 🏠🎉

📞 Thinking about buying your first home or moving house? Let’s chat about how I can help you too.

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

26/09/2025

Sorry I’ve been a little quiet on here lately – it’s been a busy few weeks looking after clients and helping them progress with their mortgage and protection needs.

This week alone I’ve had 3 mortgage approvals (including one that came back in less than a minute after submitting the application 🎉😱 – that’s got to be a record!).

I’ve also been working closely with clients to make sure their existing protection still fits their needs when their life changes unexpectedly. Sometimes that means adjusting cover, keeping it in place to ensure they’re still financially protected.

✅ Whether you’re looking to buy your first home, remortgage, or review your insurance, I’m here to guide you every step of the way.

📩 Drop me a message today to see how I can help you.

Happy Friday everyone! 🤘🏼

Your home may be repossessed if you do not keep up repayments on your mortgage.

01/09/2025

📚✏️ The kids are finally back at school this week after what seems to have been an absolute age!

For many of us parents this can mean finally have a little breathing space and extra time to tackle the jobs or life admin we’ve been putting off.

One thing that could really pay off? Reviewing your mortgage or making enquiries about whether the dream move is possible. 🏡✨

With mortgage interest rates and criteria changing regularly, now is the perfect time to check if your current deal is still the right fit for you. A quick no obligation financial review could help save money, reduce stress, and give you peace of mind for the months ahead.

This week also means the inevitable ‘first day at school pictures’, so because I’m always learning doing this job, for sheer entertainment value, here’s my ‘first day at school’ picture when I started out - 11 years ago!

📌Your home may be repossessed if you do not keep up repayments on your mortgage.

27/08/2025

No BS - see below:👇🏼

I received this email from a client of mine yesterday evening after I reached out to her following a ‘Notification of Claim’ email from Royal London which they are now considering, the email in the image below was her response.

My overriding concern is for my client’s health at the outset, and she has confirmed to me that the early prognosis is looking hopeful and her condition is curable with treatment.

However, I did become anxious and began to question myself if I had done everything right and disclosed all previous conditions 3 years ago when I set the policy up. That said, I cannot begin to imagine the guilt I would have felt if I didn’t discuss protection with her, not to mention the overriding worry of a potential complaint coming through.

To date, 2025 has brought about 2 Income Protection claims for policies I have set up from clients who were healthy at the time. I would strongly urge anyone to check that their protection policies are up to date, and if you don’t receive any, or you have limited sick pay, seriously consider income protection. It really could be the difference between keeping your home and losing it.

Address

Formby

Telephone

+447738384996

Website

https://www.mortgage-experience.com/advisers/john-carey-shields/

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