We had owned a Spanish home in Nerja for a number of years, but it was very much a holiday home and an investment rather than our own residence. Although it had delightful views, it was quite small and high up the hill in San Juan de Capistrano, We needed rather more space to cope with our daughter, son-in-law and grandchildren, as well as somewhere nearer amenities as we join the snow birds, silver surfers or any another euphemism designed to smooth the passage of the advancing years!

We sold our house in Nerja very quickly and decided that we wanted a base near Marbella, with better access to amenities. Fairly soon, we found a desirable property in Calahonda, but it needed work done to it and, as is usual on these occasions, there was a hole in our available finances. Our estate agent put us in touch with Fluent Finance Abroad. Owing to our ages (my wife and I are over 70), although we had plenty of capital and collateral, our income is based partly on pensions and partly on earned income, but the latter was not eligible. Neither are we taxpayers in Spain, which made finding a bank willing to give us a mortgage that more difficult. Fluent Finance Abroad worked tirelessly to arrange a mortgage for us, eventually in our son’s name.

We now have a beautiful house in a very attractive suburb of Marbella and it certainly would not have become a reality without Fluent Finance Abroad’s efforts on our behalf. Well done the San Pedro team!

Christopher, Esther and Alexander Urquhart
March 2020
We got in touch with Fluent Finance Abroad 7 years ago now as we had an issue as a result of the Spanish property crash and MacAnthony Real Estate’s demise.

We found ourselves in a really bad place with the bank over a mortgage. Marc and his team at FFA were superb. They dealt with the bank in what seemed like a very short period of time, the mortgage was cancelled, they took the property back, we had no recourse back to us for future payments, no negative equity issues, we were left with our reputation in place and our Spanish credit history intact and clean.

Fantastic. Five stars. Fabulous.

Tim & Kieran
Ireland - February 2020
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
Hi Stuart,
So very sorry for the delay in my email but we’ve just got back from our new house in Spain which you helped us buy..
We really couldn’t have gone through with it without you. I have to say Stuart, when we first spoke,a little over a year ago, the build wasn’t even started yet, but you set about securing a great mortgage for us and true to your word, have been there ever since.
The build wouldn’t be complete until the end of July but you sorted our finances and said the money would be there when we needed it. I clearly remember saying to you ” is that it? We don’t speak again?” . Your reply was “oh no! I’ll be here right to the end until you get your keys” and you certainly were! Through all our worries ( it’s a big deal to buy in another country ) you assured us,even ironed out the small bumps along the way and were the most secure voice on the phone.If anyone should need a man in the know…they’ll be getting your number! You’re a real asset to Fluent Finance Stuart and such a knowledgeable, honourable gentleman to deal with.
Thank you again from both of us and hope to have that celebratory champagne with one day!

All the best! With a heartfelt thanks

Mark and Jo
October 2019
I used Fluent Finance Abroad to get a mortgage for a house purchase in Andalucia. They were very efficient and Marc took care of everything which did not need my direct input. I would recommend them to anyone considering a local Spanish loan.

I would thoroughly recommend Fluent Finance Abroad to anyone out there. They are extremely knowledgeable and took away the stress of purchasing a property.

Dominic Duffy
September 2019
Buying a house can be a very complicated and stressful experience, let alone one in a foreign country with foreign banks.

Alison was recommended to me and she was amazing. She helped and guided me through the hold process and obtained great deal for me.

I am self employed, which is always tricky when dealing with lenders but Alison navigated me though all of this with very little running around from myself, she even opened my bank account for me.

My beach house has always been a dream of mine and I cant thank Alison enough for making it happen.
Thank you so much for your service Marc and will most certainly recommend your services and will definitely use FFA for any further financial assistance in the future.

Jon Squirrell
September 2019
As a mortgage and financial adviser in the UK I was unsure how the process of securing a mortgage in Spain would go, knowing that what should seem a simple application can turn into a massive paper exercise with little end result.

I have to say that from start to finish the service I have received from Marc and the team at Fluent Finance has been amazing. They found me an excellent mortgage product from a couple of lenders and then recommended the right one for me.

Eva kept me informed every step of the way and liaised with the lawyer and bank to ensure a smooth completion, meaning I had to spend little of my own time trying to get it sorted.

I will recommend Fluent Finance to all of my clients in the future, and if my needs change will be back again.

An excellent service all round and many thanks.

Tadj and Jo
September 2019
I have used Fluent Finance Abroad on several occasions and cannot recommend them highly enough.

Marc and Eva skilfully guided my through the re mortgage process which will result in a saving of €30K over the life of my mortgage.

Re mortgaging in Spain has proved very costly in the past, but FFA have a smooth process that now makes this affordable to all.

This really is a game changer!

There are very few independent mortgage brokers in Spain with their level of knowledge, I wouldn’t hesitate to use them again in the future.

Darren Nash
September 2019
I would like to thank Fluent finance abroad, and in particular Stuart weeks, for guiding me and my wife through the sometimes painful process of buying a property in Spain.
Fluent Finance Abroad have been extremely helpful and professional throughout, even when things looked to be getting slightly complicated from the vendors side. Stuart & Ainara are always ready to answer any questions you may have, providing a great insight and advice , which was very reassuring and helpful.

We would like to thank Fluent Finance abroad and I will definitely recommend them to anyone who is thinking of buying a property in Spain.

Maja & George
August 2019
We want to thanks Marc and Ainara in helping us to get the mortgage for our dream Spanish Home. There are no words to express their commitment in find a good deal that was suitable for our needs.

Always very helpful, very kind and very polite.

We will recommend them without any doubts for everyone who wants to buy a property in Spain.

Rosa & Márcio Silveira
June 2019
On having to unexpectantly source some finance to purchase our dream property within a relatively short time frame we approached Marc at Fluent Finance to see whether he could assist us with our requirements.

Despite contacting him over the festival period we received an immediate personal response and despite the banks being closed for the holidays he made sure that our application and all supporting documentation was in place in time for the banks reopening.

Although we were purchasing the property remotely Marc and his team took cognizance of the time difference and despite our somewhat unusual circumstances made sure that the entire process was expedited to the maximum extent possible.

Marc has remained in contact even after acceptance of the Mortgage to make sure that there are no ongoing problems with the Bank and offering any additional assistance if required.

We are delighted with the service we received and of course the end result.

The Smiths
May 2019
We were recommended by our Property Agent, ‘Crystal Shore Properties’ to approach Marc at FFA for advice when after the Brexit shock and the euro drop we required to take a small mortgage on our new property in Estepona. Marc was very approachable and knowledgeable when seeking help and started the process immediately to ensure everything was in place ready for final precedures. I felt Marc gave a very personalised service and on meeting him in his office in San Pedro, this was a very informal meeting where my partner and Marc chatted about golf and other sports, which men do, before completing the required financial paperwork. There was always good communication by email and telephone with Marc and my lawyer in Spain which I was always copied into and this added reassurance especially when I was communicating from the UK.

Thank you so much for your service Marc and will most certainly recommend your services and will definitely use FFA for any further financial assistance in the future.

Kristeen & Ian
May 2019
I would like to say a huge thank you to Fluent Finance Abroad for guiding me through the process of buying a house here in Spain.

The initial prospect of buying a house in Spain seemed very daunting but Marc and Ainara were there to guide me through every step of the process, answering any questions I had and giving me the confidence to make any necessary decisions.

I would thoroughly recommend Fluent Finance Abroad to anyone out there. They are extremely knowledgeable and took away the stress of purchasing a property.

Lucy Fox
May 2019
Marc and his team have been extremely helpful with securing finance to purchase my property, he has helped develop my relationship with the bank and has kept me informed throughout, both on the telephone and email. He has arranged home insurance and provided great insight and advice which has been very reassuring and helpful. I am very happy to recommend Marc and his team to prospective purchasers.

Thanks for all your help and I have asked Alicia to keep you and Ana up to date with progress.

Maxine Gibbs
May 2019
I cannot say enough about Marc. He has been extremely professional and efficient throughout our journey. My wife and I were new to the whole mortgage process in Spain and Marc explained everything from start to finish and was always on hand to answer any questions or queries we had. I would not hesitate to recommend to him to friends or family.
Kenneth Cheng
May 2019
We had the pleasure of dealing with Fluent Finance for arranging our mortgage and banking with respect to our new property purchase in Spain. They have been very professional and efficient on handling our mortgage application and also assisting us to open Bank Account in Spain as an overseas resident. They are always prompt in responding to any emails and queries.

We found all people working for Fluent Finance very polite and friendly and in particular capable in communicating in perfect English since we don’t speak Spanish which was most helpful. Their involvement with our mortgage made the purchase very smooth and trouble free which is most important as property purchase in UK can be very stressful.

Ross Lakani
May 2019
We purchased an apartment in Marbella and were recommended the services of Fluid Finance Abroad. This was our second attempt at purchase, as our first attempt was effectively halted by an inadequate financial advisor. What a delight to use Fluid Finance!

They are professional throughout, and are in constant contact with updates and clear unambiguous requests for the information needed. Although the purchase was still a fairly slow process, this was not down to FFA. Marc and his team did everything they could to facilitate the mortgage application.

Even after the mortgage completed, we have received a number of follow-ups ensuring that all is ok. Excellent service.

We could not have been happier with their services and are now the proud owners of a beautiful apartment in the sun.

Jason and Gillian Robinson
May 2019
Fluent Finance Abroad were recommended to us by the estate agent we used in Puerto Banus. I contacted Marc by email and he called me back the same day which was very impressive. During the call he took time to understand our requirements, explain the process and he was always courteous, helpful and thorough.

We had some quite unusual circumstances because I was retired and our income wasn’t straightforward. He was always positive about our chances and held our hand with the documentation we needed to provide to lenders. He expertly guided us through that tricky part.

Marc kept us fully informed and regularly called us and emailed with updates about the applications to lenders. He also kept in close contact with our solicitor and the developer. in the end we receive three good mortgage offers, Marc talked us through the differences and helped us enormously in making a decision on which one was best given our requirements.

We couldn’t have purchased the apartment without Marc’s help and guidance. We were both delighted by the professionalism shown by Marc and the team at FFA and would heartily recommend their services to prospective buyers on the Costa Del Sol.’

Graeme & Sarah
April 2019
A big thanks to Marc and the team at Fluent. We needed part financing to close on our new apartment. The team were flexible and focused at getting us the best deal. It all went through without a hitch. Thanks again.
Steve & Julie
April 2019
I have used Fluent Finance Abroad twice in the last 3 years and have been very impressed by the professionalism of the Team. Marc and his team will work the extra length to promptly secure the best deals on the market for you. I have no hesitation in strongly recommending Fluent Finance Abroad to source the funding that you need to buy your dream home in Spain.
Laurent Koenig
April 2019
The FFA Team has been instrumental in arranging financing for the flats we purchased in the Costa Del Sol. Having known them for many years now we can confidently vouch for the professionalism, dedication and proactivity of the FFA. We have no hesitation recommending their services to anyone looking for a Spanish mortgage and safely navigating the specificities of the local market
Natalie Koenig
April 2019
I recently needed to complete the purchase of an apartment within a period of 4-6 weeks, as requested by the vendor. Marc and Ainara at FFA managed to source a mortgage, and arrange all the necessary accounts to ensure the purchase was completed smoothly and within the required time frame.

They responded to any questions promptly, and made the whole process painless.

I have no hesitation in recommending FFA if you looking for a reliable broker

October 2017
A hearty thank you to Marc and Ainara at Fluent Finance Abroad, as they enabled our Spanish holiday/retirement home dream to become a reality.

. Coming from the US, we were complete novices in navigating virtually every aspect of purchasing a home in Spain, and it was an intimidating process to say the least.

. The moment we began working with Marc and Ainara, it was as if the clouds lifted and the process took on a well-oiled path, one we could not have navigated alone.

They were able to simplify the mortgage selection process, the application and documentation process, and narrated the journey to completion in a way that completely set us at ease. We can not recommend them more highly! We cannot wait to begin enjoying our Costa Del Sol holiday home!

Allen & Sharon La Brune
California USA, October 2017
We recently purchased a Villa in the Malaga area and we were in need of financing part of it.

we were concerned about getting the right deal. Marc and his team at FFA were recommended to us by our agent and we are very thankful for it

FFA team secured the best possible deal available and guided us thru the whole process making sure all documentations were in place and funds available when needed we would definitively recommend their service to anyone that needs financing as they make the process effortless and stress free.

Kudos to Marc and his team for a job well done.

Carlo & Silviya Paiella
Miami Florida, USA, October 2017
Dear Ainara,

Thank you team for the good support.

Really appreciated for all.

I will recommend you guys to all of my friends and clients.

Arch. Rami Omar
Dubai, September 2017

Rob Pijpers
Estepona, August 2017
Hi Stuart,

Hope you are well and enjoying the gorgeous weather! We haven’t got it too bad in the UK at the moment but I know it won’t last long so I’ll be back out in Spain as soon as I can!

Sorry to have not emailed sooner, been a little crazy since I got back from Spain with work!

It was just a little email to say an enormous thank-you from myself and Jack for all your hard work and help. Throughout this whole process you have been super helpful and have gone above and beyond every time I have needed you. Speaking with the Bank, solicitor, myself and always at a moments notice and even weekends which I can’t thank you enough for.

I can honestly say without you we couldn’t have done this. You have been a super star throughout. You made the whole process smooth and even though we had a few hiccups you have guided us through them and always made us feel at ease.

From beginning to end you have been so helpful, explained everything in easy to understand detail and just generally been so supportive throughout every step. I have already recommended you to a few people and if anyone wants a place in Spain you will be the first person I mention.

You were only a phone call away at all times which made it so reassuring as this was such a big step for us to take but never did we feel like anything was too much trouble for you and we can’t thank-you enough for that and for really making our dream come true. It couldn’t have happened without you!

You are a true asset to Fluent Finance Abroad and I would trust you with our next property purchase without a doubt.

Laura & Jack
UK, June 2017
When we started to look at properties for sale on the Costa del Sol, one of our greatest concerns was how to get good advice on financing the purchase especially with the Brexit situation and the Euro rate fluctuation.

From the initial introduction to Fluent Finance Abroad right through to post completion, Stuart, our advisor provided advice and support, understanding the difficulty we had in understanding how the Spanish property market and mortgage system worked. We were connected to foreign currency exchange experts and given a number of options under which to complete our property financing.

The whole process completed in less than 8 weeks, with no hidden costs or surprises.

A very personalised service, really responsive and always assuring us that the sale would complete on the date we hoped for. Thank you for your expertise, delivered with honesty and understanding.

UK, June 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.

Marianne B
UK, June 2017
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
I have lived in Spain for 18 years, my girlfriend for 16, between us we have purchased 4 properties in that time and know fully well the ins and outs of the Spanish mortgage system, or so we thought! What was supposed to be a straight forward deal turned into a nightmare. Right from the very beginning, the Fluent Finance team, Marc & Ainara in particular have been nothing short of brilliant and meticulous to the very last detail. They saw us through the rough patch, successfully mediated between two banks that could not reach an agreement over paperwork and more importantly got us a much better detail than the one offered to me by my bank of 12 years. I would and am recommending Fluent Finance Abroad, an excellent service that takes the stress and complications completely out of process. A huge thanks to Marc and Ainara, house warming invite will be in the post!
Luke and Jules
February 2017
Like most people with a Spanish mortgage I was completely unaware of this Spanish Clause in my contract. Fluent Finance Abroad had discovered I had been overpaying for years and I was due a refund. Fluent Finance Abroad then set about their business with a professional zeal that only comes with very experienced people who know what they’re doing. Such was their in-depth knowledge of the situation I was confident of a positive outcome right from the start. They informed me of developments at every stage, and were quick to move the process along. They were very professional and rigorous. In the end I received a refund of nearly 27,000 euros! I couldn’t recommend Fluent Finance Abroad highly enough.
London, February 2017
As a first time property buyer in Spain, we were unfamiliar with the entire process of purchasing an apartment. My Mortgage Broker, Alison, not only secured the best rate for us, but also patiently and thoroughly explained each step of the way. She is extremely knowledgeable and professional and provided exceptional service in answering all of our questions to make sure we felt comfortable with the decision we made.

We couldn’t be happier and would recommend her and Fluent Finance Abroad to anyone looking to buy a property in Spain.

Mandana & Sina
January 2017
Nous avons eu le plaisir d’être accompagnés du début à la fin par l’équipe FFA pour l’acquisition d’un bien à Marbella. Nous avons bénéficié d’un professionnalisme parfait et d’une présence constante.

L’équipe FFA nous a conseillé à toutes les étapes et nous a permis de réaliser l’achat de notre bien dans une confiance absolue. Ils ont également parfaitement assuré le lien permanent entre nous et toutes les parties impliquées (avocat, agent immobilier…) afin de toujours obtenir les meilleurs conditions et les meilleures prestations pour nous.

Toujours avec professionnalisme et efficacité, ils nous ont obtenu les meilleurs conditions de financement possibles et nous ont permis d’avoir un lien privilégié avec la banque.

Merci !

Notre parcours d’acquisition a été une réussite grâce à FFA.

Dounia Rouissi, Noury Saladin
January 2017
I have recently used Fluent Finance for the purchase of my property in the Costa del Sol. I would like to thank Marc and his staff for their professional and friendly advice. I was kept informed at all times and I would have no hesitation in recommending Marc’s team to anyone wishing to purchase a property in Spain.

Many, many thanks again Marc for helping with my Spanish mortgage.

Karen Thompson
UK - November 2016