0330 038 8941
Based in Plymouth
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedbackVerified since: July, 2024
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Shine is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Shine's statusLast checked: 26 April 2026
Shine is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Shine's status
12
Recent Client Reviews
Shine has received 12 client reviews in the past 12 months; 100% of these have been verifiedVerified reviews: 100%
Shine has received 12 client reviews in the past 12 months; 100% of these have been verified
Limited Mortgage Adviser
Shine can advise across a limited set of mortgage products, which may be provided by companies Shine works with. This limitation may allow Shine to offer an improved service quality and lower fees, but it’s important you understand how these products compare with others available.Last checked: 16 February 2026
Shine can advise across a limited set of mortgage products, which may be provided by companies Shine works with. This limitation may allow Shine to offer an improved service quality and lower fees, but it’s important you understand how these products compare with others available.
1
Qualifications Uploaded
Shine has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below1 qualification certificate available to view
Shine has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Shine has not yet added their fees to their profileFees not yet added
Shine has not yet added their fees to their profile
5
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Shine (based on 5 first impressions)100% of users who are not yet clients had a positive first experience with Shine
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Shine (based on 5 first impressions)
About
Hi, I’m Shine Jose, an experienced Protection Adviser with a unique background that combines 16 years of expertise in Radiology and healthcare with a deep understanding of financial protection. Having worked as a Radiology Quality Officer with the Dubai Health Authority for six years, I transitioned into the financial sector, bringing a strong attention to detail, problem-solving skills, and a commitment to quality traits that are essential when providing expert protection advice. I specialize in offering tailored protection policies from top providers, using a "cherry-picked" model that ensures my clients receive the best solutions based on their specific needs and circumstances. Whether it's life insurance, income protection, accident protection or critical illness cover, I always aim to provide comprehensive advice that balances both their protection needs and budget. I have also recently completed certification as a mortgage adviser, expanding my ability to offer expert advice in this area as well. With an MSc in Radiology and an MBA in Hospital Administration, my background allows me to approach protection advising with a strategic mindset, ensuring that clients make well-informed decisions for their financial future. I am committed to providing personalized service that helps clients achieve financial security and peace of mind. Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.