Fluent Finance Abroad

07/10/2026

🎄 Hoping to complete your Spanish property purchase before Christmas? The clock is already ticking.

If you’re thinking of buying in Spain with a mortgage, don’t wait until you’ve found the perfect property before getting your finances organised.

Spanish mortgage applications, valuations, underwriting, documentation and the legal stages of the process all take time — and as we get closer to Christmas, those timescales can become increasingly important.

In this video, Marc explains why mortgage preparation should come before the property search, and some of the common financial mistakes international buyers should avoid.
If you’re hoping to buy soon, now is the time to get your mortgage application moving.

🎥https://link.msgsndr.com/sp/1629680e949

06/10/2026

⭐⭐⭐⭐⭐ Good advice should be there when you need it most — not just when the answer is straightforward. Thank you, Georgina, for recognising the importance we place on listening, understanding individual circumstances and providing clear, honest guidance on the best way forward.

28/09/2026

Meet the team! 👋

We're delighted to welcome our newest colleague, Fernando Hernández Echaniz, to the Fluent Finance Abroad family.

He's recorded a short video to introduce himself — take a look and give him a warm welcome in the comments: https://youtu.be/3chXAxJkd8c

¡Bienvenido, Fernando!

Get in touch: https://fluentfinanceabroad.com/contact-us/San Pedr...

24/09/2026

⭐⭐⭐⭐⭐ Three years in the making! We first started advising Joseph on his off-plan purchase three years ago, supporting and guiding him from those early stages right through to completion this month — because while the journey matters, ultimately it’s the successful end result that matters most.

22/09/2026

Think you can easily borrow against your Spanish property equity? A €800k property with £150k mortgage means £650k equity. Yet banks might still say no. It’s not just about equity; it’s about understanding Spanish lending.

Marc Elliott de Lama provides a comprehensive guide to refinancing and releasing equity from Spanish real estate.

The video details how Spanish mortgage regulations, European banking frameworks, and personal creditworthiness assessments dictate borrowing limits rather than property value alone.

Watch the full video on the Fluent Finance Abroad YouTube channel

22/09/2026

Marc Elliott de Lama provides a comprehensive guide to refinancing and releasing equity from Spanish real estate.

This video details how Spanish mortgage regulations, European banking frameworks, and personal creditworthiness assessments dictate borrowing limits rather than property value alone.

Watch it here: https://youtu.be/8k_ImwBObWo

Get in touch: https://fluentfinanceabroad.com/contact-us/

Marc Elliott de Lama the owner of Fluent Finance Abroad provides a ...

21/09/2026

⭐⭐⭐⭐⭐ Great communication can make all the difference during the mortgage process, so it’s wonderful to see Scott recognised for being responsive, professional and always willing to help. Thank you, Lina, for taking the time to share your experience and for trusting Fluent Finance Abroad.

18/09/2026

⭐⭐⭐⭐⭐ There’s no better compliment than hearing that a client felt they were “in good hands” throughout their Spanish property purchase. A huge thank you to Steve for his fantastic review and for recognising Stuart and Dilcia for the support they provided every step of the way.

04/09/2026

⭐⭐⭐⭐⭐ Sometimes the best advice is knowing when a particular mortgage isn't possible — and helping someone understand the best way forward instead. Thank you, Sharon, for recognising that good advice isn't always about making a sale; it's about genuinely trying to help.

03/09/2026

⭐⭐⭐⭐⭐ Not every conversation has to lead to immediate business to be worthwhile.

Sometimes, simply sharing the knowledge and experience we've built up over the years and helping someone better understand their options is enough.

It's always rewarding when that advice is appreciated.

Thank you, Andrea, for reaching out to us and for taking the time to leave such positive feedback. It means a great deal to us.