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 in Spain or overseas, whether it is a holiday home or purely for investment purposes. Our team of UK Qualified Financial Advisors (FPC) and Mortgage Professionals (CeMap) will assist clients with the complex decision process. Fluent Finance Abroad are proud to be 100% independent!


Panie Ronaldzie! Dziękuję raz jeszcze za pomoc w transakcji w dostanie hiszpańskiej hipoteki na kupno mieszkania na Costa del Sol . U notariusza wszystko poszło dobrze, w banku też. Udało nam się też kupić większość mebli i elektroniki , resztę – drobiazgi ogarniemy przez internet, tak więc niebawem będziemy mogli wynajmować. jutro wcześnie rano wracamy do Warszawy dziękuję raz jeszcze, proszę też podziękować w moim imieniu Ainarze i całemu biurze Fluentfinance Abroad.

Poland, May 2017

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

Priding ourselves on being 100% independent when it comes to sourcing mortgage solutions for our clients looking to buy property in Spain.
Offering a wide range of competitive insurance packages including – Home & contents, Vehicle, Private Medical, Life, Pet and Commercial.
As qualified financial advisors we are in a position to understand your financial planning needs and assist you with specialist solutions
FFA are in an ideal position to advise banking clients of which banks in Spain are really the safest and more client friendly .

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

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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

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


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

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