Marc Damian Elliott de Lama

Independent Spanish Mortgage Consultant & IFA

Marc started his career in Financial Services in London UK and gained his first qualification as an IFA at City Financial Partners Ltd in Russell Square. He then progressed to Lloyds TSB specifically advising for Scottish Widows and their investment and protection product ranges where he completed his FPC certifications.

Marc decided to expand his skill set and specialise in the London mortgage market by joining Charcol Bradford & Bingley in the South West London area and completed his Cert of Mortgage Advice & Practice qualifications (CeMAP).

Gaining excellent experience at Charcol’s, he then worked for Mortgage Next which were a specialist sub-prime mortgage packager which gave him an interesting insight in how the higher risk lending market operated.

In 2004, Marc was offered the chance to move to Spain and combine his mortgage knowledge with his language skills to work with Spanish lenders who concentrated in lending to potential foreign property buyers.

Given the fact that Spanish mortgages were very much unregulated, Marc felt that his and his clients interests would be better served if he set up his own business with the intention of raising the bar in terms of the quality of mortgage advice that was being given at the time.

Fluent Finance Abroad (FFA) as a brand was created in April 2006 and enjoyed a reasonable amount of success prior to the global credit crisis that started in September 2008. He was also a founder member of the Overseas Mortgage Alliance which was set up as a non for profit organisation between trustworthy & qualified mortgage brokers operating in Spain before the credit crisis. However, this organisation ceased to exist shortly after the emergence of the banking crisis and recession.

As a firm, FFA has been fully operational throughout the credit crisis, which severely affected Spain along with Portugal, Ireland, Italy & Greece meaning that Marc and his company have been able to withstand all the challenges that the banking crisis brought to Spain and has been a leader in driving the mortgage market forward during this difficult period in Spain’s banking history.

Apart from being very used to the concept of giving “Best Independent mortgage advice” and the importance of supplying “Whole of Market” products, Marc is of Spanish parentage and therefore able to speak, read & write in the language fluently, which benefits his clients and collaborators greatly as nothing gets lost in translation which is fundamental when dealing with complex financial structures such as mortgage products based in a country whose language and laws you are not familiar with.

Marc feels that with his knowledge of the Spanish culture and language along with his qualifications and experience in the UK regulated environment, he is greatly placed to offer an excellent service to all parties concerned in the property buying process here in Spain, individual clients, lenders and any other interested parties such as developers.

Having seen the business grow over the years, Marc is very proud to have been able to secure the services of his team as they all have excellent industry experience & knowledge. He demands impeccable integrity from all team members to ensure the highest standard of advice is given to look after both borrowers and lenders alike.

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