We specialise in finding for our clients the most appropriate form of finance to purchase their dream home overseas, whether it is a holiday home or purely for investment purposes. Our team of UK qualified Financial Advisers (FPC) and mortgage professionals (CeMap) will assist clients with the complex decision process.

Our approach to overseas property purchase finance focuses on you and fully understanding your unique set of objectives, then fashioning a customised plan, tailored to helping you achieve your specific goals. We work in an objective, customised and creative manner to provide smart solutions to satisfy real life financial needs. We provide comprehensive services that deliver smart and manageable solutions for you.

Fluent Finance Abroad are proud to be 100% independent as this enables us to provide whole of market unbiased advice to all our clients.

Statement from Fluent Finance - Jan 2017

Fluent Finance Abroad Staff Marbella

We here at Fluent Finance Abroad are pleased to say that we have been fully operational through the global credit crisis and are continuing to do so. We feel this says a lot about us.

One of the main reasons for Fluent Finance Abroad to be able to continue assisting non Spanish clients in financing their property requirements has been that through FFA’s owner Marc D. Elliott, they have a fully UK qualified financial adviser (FPC & CeMAP) and mortgage consultant advising clients on the best way of financing their Spanish property purchase with the most appropriate mortgage for each clients’ circumstances.

FFA are very proud to members of The British Chamber of Commerce Spain and we are committed to establishing closer ties now and in the future.

Great care is taken by FFA in finding out each client’s specific needs before any recommendation is given by FFA so clients can feel safe in the knowledge that they are entering into a financial commitment that they are going to be able to afford.

To date, there are NO regulations in Spain governing mortgage advice and practice. This has been a contributing factor to the decline of the mortgage market and property prices in Spain, as the level of advice that has been given has been poor at best. It is therefore of great importance that any potential mortgage client, looking for assistance in finding the best mortgage finance deal, must take great care when searching for a competent person who is sufficiently qualified to give advice on such a complex, serious and long-term financial commitment.

We believe that you should choose Fluent Finance Abroad as your unbiased, independent mortgage consultancy practice to guide through your Spanish mortgage financing needs


Marc Damian Elliott de Lama
Marc Damian Elliott de Lama – FPC CeMAP Independent Spanish Mortgage Consultant & IFA Read Full Bio
Ainara Anacabe Zalbidegoitia
AINARA ANACABE Spanish Mortgage Co-ordinator Read Full Bio
Stuart Weeks
Stuart Weeks Independent Spanish Mortgage Consultant & IFA Read Full Bio
Ronald Kubiak
Ronald Kubiak Alternative Residential Consultant & Mortgage Consultant Read Full Bio
Alison Lowther de Cotta
ALISON MARSHALL New Business Coordinator and Mortgage Consultant Read Full Bio
JULIA CAMPBELL New Business Coordinator Read Full Bio

Fluent Finance Abroad Office Marbella