Fluent Finance Abroad

02/09/2026

⭐⭐⭐⭐⭐ Completing a Spanish mortgage in the middle of the August holiday period is never easy, which makes Mona’s fantastic review even more rewarding. A huge thank you to Mona for recognising Eva and Stuart for keeping everything moving, staying responsive and going the extra mile when it mattered most.

01/09/2026

⭐⭐⭐⭐⭐ Nothing makes us happier than hearing that our clients felt in safe hands from the very beginning. A huge thank you to Paul for his kind words and for recognising Francisco, Pablo and Eva María for going above and beyond throughout his Spanish mortgage journey.

28/08/2026

🇬🇧 🇪🇸 Building stronger connections between Britain and Spain

At Fluent Finance Abroad, we have always believed that good business is built on relationships, trust and being part of the wider community in which we operate.

That is one of the reasons our relationship with the British Chamber of Commerce in Spain has been so important to us over the years.

In this interview, Marc Elliott de Lama sits down with Derek A. Langley, Regional Vice-President for Andalucía at the British Chamber of Commerce in Spain, to talk about his fascinating international business career, the changing relationship between Britain and Spain, Brexit, the growth of Málaga and the Costa del Sol, and the importance of bringing businesses and people together.

Derek has been a great supporter of the international business community in Andalucía and someone whose experience, enthusiasm and ability to connect people has made a genuine difference.

🎥 Watch the full conversation here:
https://youtu.be/x7D1dhHCtd8

For anyone doing business in Spain — particularly those with connections between the UK and Spain — the work of the British Chamber continues to be enormously valuable.

Marc Elliott de Lama interviews Derek Langley, the Regional Vice P...

13/08/2026

🏡 Thinking of buying a property in Spain? Start with the mortgage advice — not the property search.

It’s easy to get excited about browsing villas, apartments and dream homes. But before you start arranging viewings, it pays to understand exactly where you stand financially.

Speaking to an experienced Spanish mortgage adviser before you begin your property search can help you:

🎯 Understand your realistic borrowing capacity
💶 Know how much deposit and additional funds you’ll need
🏦 Explore the mortgage options available to you
🇪🇸 Understand the Spanish buying and mortgage process
🔑 Search for properties within a realistic budget
🤝 Move forward with greater confidence when you find the right home

Good mortgage advice at the beginning can prevent disappointment, save valuable time and help you make better-informed decisions throughout your Spanish property journey.

Before you start searching for the perfect property, make sure you have the right financial direction.

Fluent Finance Abroad
Clear guidance. Expert advice. Better decisions.

📩 Get in touch with our team to discuss your Spanish mortgage options.

11/08/2026

Meet the Team – Kateryna Korablova 🇺🇦

Behind every successful Spanish mortgage is a team of dedicated professionals working hard to make the process as smooth as possible.

Today we'd like to introduce Kateryna Korablova, one of our Mortgage Coordinators at Fluent Finance Abroad.

Originally from Ukraine, Kateryna has become an invaluable member of our team, helping clients from around the world navigate the Spanish mortgage process with professionalism, empathy and meticulous attention to detail.

In this short video, Kateryna shares a little about her background, her role at Fluent Finance Abroad and what she enjoys most about helping our clients achieve their dream of owning property in Spain.

▶️ Watch the interview:
https://youtu.be/QA0TfQDFyk8

Thank you, Kateryna, for your hard work, positivity and commitment to delivering an outstanding experience for every client.

🇪🇸 Spanish Mortgage Specialists Since 2006

03/08/2026

Meet Pablo Cervilla 👋

A successful Spanish mortgage application is rarely just about finding an attractive interest rate. It also requires careful coordination, strong communication and close attention to detail throughout the process.

Pablo is one of the people working behind the scenes at Fluent Finance Abroad to help keep our clients’ mortgage applications moving forward.

As our Whole of Market Spanish Mortgage Coordinator, Pablo plays an important role in supporting clients and helping to manage the many different stages involved in securing finance in Spain.

At 24 years of age, Pablo brings new perspectives to the company which we badly needed.

In this short video, Pablo introduces himself, explains more about his role and shares what it is like to be part of the FFA team.

▶️ Watch the video:
https://youtu.be/PjpGiekQ0J8

Pablo, thank you for the professionalism, energy and commitment you bring to Fluent Finance Abroad and to the clients we support.

🇪🇸 Spanish mortgage specialists since 2006

31/07/2026

Another happy client. Another dream realised. ⭐⭐⭐⭐⭐

Buying a property in another country can feel overwhelming. Different laws, different banks, different processes... it's easy to understand why many buyers feel uncertain.

That's why reviews like this mean so much to us.

Sébastien and F***y highlighted not only the professionalism of Judith and our team, but also the confidence, support and reassurance they received throughout their mortgage journey.

Helping our clients feel informed, supported and confident is every bit as important as securing the right mortgage.

A huge thank you to Sébastien and F***y for your kind words and for placing your trust in Fluent Finance Abroad.

Spanish Mortgage Specialists Since 2006.

29/07/2026

💙 It's Never Just About Mortgages or buying houses....

Behind every successful mortgage application is a team of people who genuinely care.

This photo was taken just before we headed off for our annual summer lunch, and it perfectly captures what Fluent Finance Abroad is all about.

Today, we have a fantastic mix of experienced professionals and talented younger colleagues, all bringing their own skills, ideas and personalities to the business.

Some of us have spent decades working in the Spanish banking and mortgage industry. Others are building exciting careers of their own.

Together, we challenge one another, learn from one another and support one another every single day.

What makes us most proud isn't just the experience we have within the team—it's the culture we've built together.

A culture based on trust.

Respect.

Kindness.

Professionalism.

And a shared commitment to doing the very best for every client who places their trust in us.

To our wonderful team...

Thank you for your dedication, your hard work and the positive energy you bring to the office every day.

We're incredibly proud of what we've built together and even more excited about what lies ahead.

Here's to another successful season—and many more moments like this.

From left to right, we'd like to introduce the people who make Fluent Finance Abroad what it is today:

Marc Elliott • Scott Walker • Stuart Weeks • Elloise Fifield • Curro Pérez • Kelly Hill • Pablo Cervilla • Judith Mendiolaigoitia Iglesias • Adam Senoussi • Julian Gallagher • Raquel Valdez • Kateryna Korablova • Eva María Perdigones

Thank you for everything you do.

"Businesses don't build reputations—people do."

💙

28/07/2026

Marc Elliott de Lama from Fluent Finance Abroad walks through the key differences between resident and non-resident refinancing in Spain, the true costs you need to account for, and a real client case where refinancing delivered a better rate, released equity, and resolved a family lending arrangement.

Watch it here: https://youtu.be/M2331yhyBag

For independent mortgage advice in Spain, contact Fluent Finance Abroad: https://fluentfinanceabroad.com/contact-us/

If you live in Spain as a tax resident and are considering refinanc...

28/07/2026

Marc Elliott de Lama, founder of Fluent Finance Abroad, explains how refinancing works for non-resident property owners in Spain, why it differs significantly from other countries, and what Spanish banks actually look for when assessing a refinancing application.

Topics covered:
- Why equity alone does not guarantee a refinancing approval in Spain
- The two scenarios where mainstream Spanish lenders will typically consider refinancing for non-residents
- The costs involved in refinancing a Spanish mortgage
- A real client case study: a US-based homeowner who secured a 20-year fixed rate at 2.85% after being turned down by their existing bank

Watch it on YouTube here: https://youtu.be/wGtG-ZD1PbY
Fluent Finance Abroad is one of the Costa del Sol's leading independent mortgage brokers, specialising in helping international buyers understand and access the Spanish mortgage market.

If you are considering refinancing your Spanish property, contact us for an initial assessment before committing to anything.
Get in touch: https://fluentfinanceabroad.com/contact-us/

Marc Elliott, founder of Fluent Finance Abroad, explains how refina...