Scott Shepherd - Mortgage and Protection adviser

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Scott Shepherd - Mortgage and Protection adviser

Senior Mortgage & Protection Advisor at Cara Mortgage Services | 15+ years in financial services | Access to 90+ lenders to find your best mortgage deal.

Let’s make your mortgage journey smooth and stress-free!

03/03/2026

06/11/2025

🏠 Mortgage Update: The Bank of England has kept the base rate unchanged following today’s announcement.

Even though the rate hasn’t moved, it’s still worth reviewing your mortgage — there may be better deals or ways to save on your monthly payments.

💬 Get in touch to discuss your options and make sure you’re on the best possible rate.

31/10/2025

Don’t be spooked by all the mortgage talk you hear in the news! 📰

Talking about your mortgage won’t be as gory as you think! 👀

☎️ Call 01592 773772
📧 [email protected]

09/09/2025

Tips for First-Time Buyers 🏝️🏡

📚 Plenty of Research
Understand the market and compare mortgage options.

📅 Long-Term Repayment Solutions
Choose a plan that keeps your payments affordable over time.

💰 Safety Net of Savings
Have extra savings to cover any unexpected costs.

16/07/2025

What does rising inflation mean for mortgage rates?

Cuts to mortgage rates over the past few weeks could be reversed after a higher-than-expected rise in inflation, experts have suggested.

The rate of consumer price inflation was 3.6 per cent for the year to June, a surprise increase from 3.4 per cent for the year to May. Many economists had expected it to remain unchanged.

The rise, which was mostly driven by an increase in petrol prices, takes inflation further away from the Bank of England’s 2 per cent target. The Bank expects it to eventually fall to 2 per cent by 2027.

The figures have cast doubts over how much further and how quickly the Bank will cut its base rate of interest, which is now 4.25 per cent having been cut four times since it hit a 15-year high of 5.25 per cent in August 2023.

The Bank had been expected to cut the base rate by 0.25 percentage points when its monetary policy committee meets next month, but this may now not play out as predicted.

Source: https://www.thetimes.com/business-money/money/article/inflation-rate-news-uk-mortgages-savings-qf8jwmnlm

21/05/2025

🏡 First-time buyer?
Feeling overwhelmed by mortgages? You’re not alone — and you don’t have to figure it out alone either.

I’m here to guide you through every step and make the process simple, stress-free, and tailored to you.

📩 Drop me a message or email me at [email protected] — let’s get you home.

20/03/2025

🌸 Spring is Here! Time for a Financial Refresh 🌸

The first day of spring isn’t just for decluttering your home—it’s the perfect time to tidy up your finances too!

✅ Review your mortgage rate – Are you on the best deal?
✅ Check your budget – Small tweaks can lead to big savings.
✅ Plan for the future – A fresh financial strategy can help you achieve your homeownership goals faster.

Let’s make sure your mortgage is working for you this season.

📩 DM me or email [email protected] to get started.

05/03/2025

🏡 Need Mortgage Advice? I’ve Got You Covered! 🏡

Whether you’re buying your first home, remortgaging for a better deal, or just need expert guidance, I’m here to help!

✅ First-time buyers – Get the right mortgage with confidence
✅ Remortgaging – Secure a better rate and save money
✅ Expert advice – Personalised support tailored to your needs

With access to a range of lenders and years of experience, I’ll find the best mortgage solution for you.

📩 Message me today to discuss how I can help

📧 [email protected]
📞 07751608786

07/02/2025

Unsure how yesterday’s Bank of England decision affects you? 📈🌦️ Get in touch today to review your mortgage options and see how you can benefit from the latest changes. Let’s ensure your mortgage works for you, rain or shine! ☔️☀️

You may have to pay an early repayment charge to your existing lender to remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed

27/01/2025

Tips for First-Time Buyers 🏡

📚 Plenty of Research
Understand the market and compare mortgage options.

📆 Long-Term Repayment Solutions
Choose a plan that keeps your payments affordable over time.

💰 Safety Net of Savings
Have extra savings to cover any unexpected costs.

06/01/2025

🌅 Ready to Remortgage in 2025?

Stepping into 2025, got any big plans for your home? If you’re thinking about shaking things up with your mortgage - maybe secure a lower rate, pull some cash out of your home, or just get a deal that feels right for where you’re at now - I’m your go-to for making that happen. Let’s make your home dreams a reality together!

[email protected]

Address

5c Lomond Business Park
Glenrothes

Website

http://www.carams.co.uk/

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