Welcome to Fluent Finance Abroad
the Spanish Mortgage Specialists

‘An investment in knowledge pays the best interest.’ Benjamin Franklin

We specialise in mortgages in Spain, finding for our clients the most appropriate form of finance to purchase their ideal property anywhere in mainland Spain and it’s Islands, whether it is a holiday home or purely for investment purposes.

Our team of fully qualified Spanish Mortgage Consultants (ICIs) & UK qualified Mortgage Professionals (CeMap) will assist clients with the complex decision process from beginning to end. Fluent Finance Abroad offer Whole of Market mortgage options from every Spanish mortgage lender active in the Spanish mortgage market.


Dear Clients, Colleagues and Friends:

Following the recommendations of the Spanish health authorities due to the Coronavirus pandemic, this office, for the benefit of all, temporarily changes the uses and customs of work, in such a way that:

– That our human team will continue to work remotely from our respective locations. We put this in place last Thursday as a preemptive measure.

– Our physical office will be closed to the general public but of course we will be contactable by phone and email.

– All procedures will be carried out by telematic and telephone means and you can still contact our personnel directly on:

Email: info@fluentfinanceabroad.com

Telephone: 952 85 36 47 and 600 41 33 96

– Working hours are from 09:00 a.m. at 14:00 p.m. and from 15:00 p.m. at 17:30 p.m.

We hope you understand that these changes are made for the benefit and for the safety of all, and without affecting the provision of our services.

Sincerely, receive a cordial greeting, much encouragement and confidence, we will soon come out of all this.

Estimados Clientes, Compañeros y Amigos:

Siguiendo las recomendaciones de las autoridades sanitarias españolas debido a la pandemia de coronavirus, esta oficina, en beneficio de todos, cambia temporalmente los usos y costumbres del trabajo, de tal manera que:

Que nuestro equipo humano continuará trabajando de forma remota desde nuestras ubicaciones respectivas. Pusimos esto en práctica el jueves pasado como medida preventiva.

Nuestra oficina física estará cerrada al público en general, pero por supuesto seremos disponibles por teléfono y correo electrónico.

Todos los procedimientos se llevarán a cabo por medios telemáticos y telefónicos y aún puede contactar a nuestro personal directamente en:
Correo electrónico: info@fluentfinanceabroad.com

Teléfono: 952 85 36 47 y 600 41 33 96


Hi Stuart, nice catching up with you yesterday.

Dawn and myself would just like to thank you for the help you gave us in securing a mortgage for our property in Spain, your handling of the business was first class and made everything move through smoothly and assured us that we had picked the right company to be represent by.

When we upgrade our property you can be assured that we will use you and also pass on your details to anyone that might be buying in Spain.

Thanks again

Rod & Dawn
November 2019
Many thanks to all involved and for all your help and professionalism.We would definitely recommend you all to anyone buying in Spain and shall do.
Kind regards

Marianne B
UK, June 2017

  • Mortgages for New Purchases
  • Re-Mortgage or Swapping Mortgage Providers
  • Capital Raising or Equity Releases
  • Self Build mortgages
  • Commercial Mortgages
  • Bridging / Short term lending
  • Over 65’s Home in Plans
  • Self Certification Mortgages
  • Business Loans & Mortgages

FFA work with UK regulated Independent Mortgage Consultants like ourselves who are very well positioned to organise the lending required but due to the fact our advisers have many years experience in the UK mortgage market we are much better placed to explain the benefits of lending in either jurisdiction rather than an adviser with expertise in just one.

Read More »

  • Home
  • Life Protection
  • Car – Yacht
  • Spanish Pet Insurance
  • Funeral & Repatriation Plans
  • Negative Equity
  • Interest Only Mortgages
  • Abusive Mortgage Clauses

Email info@fluentfinanceabroad.com or give us a call (+34) 952 85 36 47

Listen To Our Radio Advert

Our Services

Spanish Property Mortgage Services & Advice

Our aim is to find the most appropriate and cost effective property finance which work for the long term.


Banking & Financial Advice Spain

FFA are in an ideal position to advise banking clients of which banks are really the safest and more client friendly.


Bespoke Insurance Services

We aim to provide a number of insurances so that our clients can deal with all finance matters under one roof.


Alternative Residential Lending

One of the most notable changes in Spain is the fact it is much harder to obtain a mortgage or finance than before.



Our Main Areas Of Service


If you are being put off buying a Spanish property because of the drop in the value of the pound you need to read our Anti-Brexit Spanish Mortgage Strategy carefully.


Concerned about Clausula Suelos and the affect it may have?

Let Marc put your mind at rest by listening to the interview here.


 If you need to speak to us about a general query fill in the form below and we will call you back within the same working day.


Our aim is to find the most appropriate and cost effective property finance which work for the long term.

Fluent Finance Abroad have been able to secure prefered lending loan to values as well as lower than the norm interest rate.

We cater for all nationalities wishing to purchase a property in Spain and have different Spanish mortgage solutions enabling us to do so.

“Being able to communicate well with lenders and clients is essential to this business.”

Marc Elliott is the British expat and brains behind Fluent Finance Abroad, the Spanish mortgage brokers based in San Pedro de Alcántara, Marbella.

Providing clients with the most appropriate form of finance to purchase their overseas dream home.
Marc – being half Spanish – has taken to life on the Costa del Sol like the proverbial duck to water… read more

Marc Damian Elliott de Lama

Latest news