Expert Mortgage & Protection Advice At The Mortgage Store

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Don't Just Take Our Word For It

The Mortgage Store

The Mortgage Store makes getting a mortgage smooth, easy and very quick. We’ll sort out the house, and then you can make it a home. With thousands of different mortgage schemes available in the UK for people with varying circumstances, finding the right mortgage deal can be very time-consuming. This is why we pride ourselves on our exceptional, 5-star service in helping people find the perfect mortgage deal.

Introducing Shadi El-Balbisi

My name is Shadi El-Balbisi and I have been working in the mortgage industry for over 10 years. I
offer mortgages from a comprehensive panel of lenders and due to my extensive experience, I have
established strong working relationships with all of the major high street lenders, as well as some of
the more niche lenders too. With my background as a senior mortgage underwriter as well as a
successful mortgage broker I am able to position cases in a way that underwriters understand when
assessing a client’s case. This enables them to process my applications quickly and occasionally even go outside of normal lending criteria.

I have completed mortgages for a wide range of clients; from first time buyers to portfolio landlords to clients looking to save money on their existing mortgage deal, all of whom respect and value my customer service proposition. This same customer service proposition is available to you and your clients as well.

All of my initial advice is provided completely free and without obligation with any fees only payable on successful completion of your mortgage, so it doesn’t cost you anything to see how I can help or benefit you. And with my ongoing mortgage management service I offer to monitor your mortgage throughout its lifetime to make sure that you are always on the best possible deal to consistently ensure I am saving you time and money.

Read My Reviews Here

Laura Lucas
I have previously worked with Shadi who was amazing throughout the whole process. He was really helpful, happy to answer all questions and made me feel really at ease. I will definitely be using him again in future!
Martin James Cody
I have used Shadi twice now for my mortgage needs, the first time was as a new buyer and with no knowledge of how anything worked, Shadi was incredibly patient with me, explaining how everything worked, what he needed from me. There were a couple of issues but Shadi went above and beyond, answering any questions that I had. We had absolutely no hesitation in using Shadi for our re-mortgage which went through without any issues. I've since recommended Shadi to numerous friends, family and colleagues and will continue to do so.
Anthony
Nothing at all was too much trouble. Shadi is a true professional in every sense of the word. Helped me out when nobody else seemed able and got me a fantastic deal. When I need advice, this man is the one I go to. When you need advice, this man is the one I recommend.
DivaDan Smith
What an Incredible person Shadi is!!! I cannot Thank You enough for helping me to buy my first home. Your service is Top Notch and Unbeatable!! Thank you for finding me THE BEST deal on the market and even at last minute, you made sure to switched me over to the lowest rate possible!! Thanks a Million for all your help and support during the stressful but exciting time of my life. I have recommended so many friends and family to you ever since and I will continue to do so! I can’t wait to remortgage with you. ☺️
Jmist
Shadi has been exceptional from start to finish on our complex mortgage situation simultaneously helping us buy our new home whilst remortgaging our old home to a buy to let. He clearly explained the process, provided regular updates and even successfully challenged the banks when they were asking for more information than they needed, making our lives easier! All in all, Shadi’s excellent customer service skills and ability to get the job done means I won’t be thinking twice when I need to remortgage in the future! He takes away all the hassle so i dont have to deal with it and for that, he’s worth every penny! Thank you
Anne King
I have used Shadi on my last two mortgages. He understands the complexities of the financial markets and is well versed within his field and finds the right product for his clients in a swift and knowledgeable manner. I would recommend Shadi for all your mortgage needs.

What Does A Mortgage Broker Do? 

Shadi El-Balbisi from The Mortgage Store in Salford Quays introduces the branch and talks us through the services offered by a mortgage broker.

Pretty much everything. Firstly, there’s an initial free consultation, where I look to establish what you’re looking for and how I can best help. That way any advice or recommendation is personalised and relevant to you individually.

Then I use my extensive knowledge of the industry to match both your current circumstances and any future requirements to an appropriate lender. Each lender has its own unique set of criteria, so I match you with the most appropriate ones from the hundreds of lenders out there.

I’ll search the market for the most cost effective mortgage that you’re eligible for, to save as much money as possible. I act as the customer champion and present your case as favourably as possible to the lender. I also chase them for updates so you don’t spend hours on the phone with that awful hold music!

To sum it up, a mortgage broker takes the stress out of the process, using their expertise to save you time and money.

Firstly, and most importantly, a bank will do their best to give you the most suitable deal they can, but a lot of customers don’t realise that banks can only offer their own products. They’re not ‘whole of market’.

So what they offer is not necessarily the most suitable deal on the market. It often won’t be the best option. Meanwhile a mortgage broker like me will look at all options, including the banks, to get you the most cost-effective and relevant deal available.

A local bank is also tied by their own criteria. If you do overtime, you have a second job or you get benefits, you do bank work with the NHS… anything like that can put you outside of the norm for a bank. They have a prescribed set of rules that they won’t deviate from.

But I can search the whole market to find a lender who will accept your circumstances and avoid potential rejection. I actually started my career working for a major high street bank, and it was so frustrating having to say no to clients that I knew we should be looking to help.

There’s quite a lot! For home movers and First Time Buyers I will guide you throughout the process. 

Agreement in Principle. This is validation that a lender is provisionally happy to lend you what you’re looking for. There’s no point wasting your time looking at properties if you can’t get a mortgage.

Most estate agents now won’t permit viewings without an Agreement in Principle, to protect their clients – which is understandable. But that can be the difference between being able to arrange a viewing and possibly put an offer in if you like the place straight away. Don’t risk missing out on your dream property. 

Mortgage management service. I also offer mortgage management to make sure you’re on the best possible deal throughout the lifetime of your mortgage. Say you choose a two-year fixed deal – when that rate runs out, there’s a follow-on rate that’s usually significantly higher, which means your monthly repayments go up. I will reach out to you at an appropriate time with a mortgage review to protect you against going on that higher rate. 

Chasing up your mortgage. Once you make an offer I’m in constant contact with both the estate agent and the solicitor. As you can imagine there’s a lot of chasing involved throughout this process. I save a lot of time and stress for clients, because they’ve got enough on their plate already.

Mortgage protection. It’s also my job to ensure that you keep your home if the worst were to happen. I’ve got an understanding of all the insurance exclusions, terms and conditions to make sure that you’re on the right levels of cover. I advise on buildings and contents cover, life insurance and critical illness cover to make sure that you can stay in your home. 

Buy to Let mortgages. If you decide to move to a bigger house in future and want to rent out your existing property, I can help with that. If you’re looking to invest in your first Buy to let or expand your portfolio I can help with that as well, as well as remortgaging your Buy to Let property. 

I like to see completion on your first property as the start of the journey, not the end. It’s all well and good getting you in the house. But it’s my job to make sure that you’re covered for all eventualities. It’s not just “Here are your keys, enjoy the rest of your life.” It’s an ongoing relationship.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

If you’re looking at purchases I’d say as soon as possible. I can give you an idea of how much you can borrow to set your budget on Rightmove or any property site, so you can start looking for your dream home. 

If there are any issues, such as credit problems that you weren’t aware of – like a mobile phone bill from three years ago, for example – we can work together to resolve it.
That will minimise any impact on your property plans. I can also give you an idea of monthly payments. It might be that you could afford the place from a lender’s viewpoint, but if it’s going to be stretching you too thin, it’s not worth doing.

If you’re looking to move home, again I’d say get in touch as soon as possible. If you’re looking at a remortgage, see me six months beforehand – that gives me more than enough time to secure you a rate. I can make sure you complete on the day that your existing deal runs out, so you don’t pay more than you need to.

If interest rates do go up during that time I’ve secured you that rate. But if they do go down, I can speak to the lender on your behalf and get you a better deal.

People do often come to me a little bit too late. I will always try to rush things through, because even one month on a follow on rate could be a £200 difference. That’s a lot of money in today’s climate.

The Mortgage Store has been operating successfully for years and they are a brilliant brand. The Mortgage Store Salford Quays is hot off the press. It’s brand new. It’s my baby – I couldn’t be more proud of it.

I’ve lived around the Salford Quays area myself for about 12 years or so. I’ve worked in the mortgage industry for a similar length of time and I couldn’t think of a better fit than me and the Mortgage Store.

I have really detailed knowledge of the local area and the north west in general because of the amount of time I’ve lived here. But I’ve also been helping customers from across the country for years. When Covid hit, we had to improve our technology game and use Zoom and things like that.

I’ve always taken pride in excellent customer service. All my Trustpilot reviews are five stars which is a good fit with the Mortgage Store. My main source of business is from clients referring their friends, family and colleagues to me. It’s because I put customers at the heart of everything I do – and The Mortgage Store does as well. It’s a really exciting collaboration and I can’t wait to get started.

No, absolutely not. I can completely understand any nerves or stress about this – it’s the biggest financial commitment of your life. And that also emphasises why it’s important you to go to a good broker and get things right. 

If you don’t you could end up with the wrong product. You could miss out on your dream home. And I don’t charge anything for my initial consultations, they are completely fee-free.

I can meet you on the phone, on Zoom or in person. It’s all about establishing if I’m a good fit for you, finding what you’re looking for and explaining how everything works. I wouldn’t dream of charging for that first meeting.

With the cost of living crisis, the cost of mortgages in general and the volatility in the market, it’s vital that you speak to someone that’s got your best interests at heart. You need a trusted guide that will look after you. 

I take great pride in looking after all my customers so if you’ve got any questions at all, even if you think they’re menial or stupid, they won’t be. Please don’t hesitate to come to me. I’m really looking forward to helping as many people as I can with the Mortgage Store Salford Quays. 

Think carefully before securing other debts against your home. 

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

Service​

Simplicity​

Stress Free​