Spanish Mortgage Brokers
Spanish Mortgages for Non-Residents
Equity Release/Capital Raising Mortgages
Self-Build and Construction Mortgages
Alternative Residential Lending
At Fluent Finance Abroad we form a bridge of communication and understanding between you and the Spanish banks. We know the legislation, consumer rights and mortgage regulation rules inside out, and have all of the right financial relationships and connections to get you the right mortgage.
Welcome to Fluent Finance Abroad
The Spanish Mortgage Experts
We at Fluent Finance Abroad pride ourselves on being one of the truly independent Mortgage Brokers in the marketplace.
Established in 2006, we’ve got an extremely impressive track record which spans over 15 very successful years of securing Spanish mortgages for a broad range of clients.
Working with all of the major Spanish banks and active financial institutions we’re widely acknowledged as experts in our field – we know the industry inside out!
About Fluent Finance Abroad
Spain has an extremely competitive mortgage market, and as a result, there’s plenty to choose from when it comes to loans. However, non-residents buying Spanish properties with a mortgage have limited access to loan types and conditions. And this is where we come in.
We’ve got a fully qualified team of Spanish mortgage specialists here to help and guide you through the complexities of gaining a Spanish mortgage, intending to make the process as simple as possible for you. We ensure you make the right decisions based on your particular needs and circumstances.
As we’re fully registered with the Bank of Spain (BOS D305), you can rest assured that you’re receiving the very best professional advice. Our knowledge and expertise are second to none.
Don’t just take our word for it – check out our Google reviews to see what our clients are saying about us. Our experts are waiting to hear from you with any enquiry you may have regarding your mortgage for a property in Spain, to discuss your financial situation or any other requirements you have. Give us a call on +34 952 85 36 47 or email firstname.lastname@example.org – we’re more than happy to assist you.
Why Choose Fluent Finance Abroad
We Take Care of You
We look after you every step of the way in the mortgage process - from start to finish and beyond.
We’re Highly Recommended
We've 16 years of experience in this business - our legacy speaks for itself - and so do our clients!
Personal Service, Expert Advice
We provide tailor-made advice and mortgage options specifically designed for you and your requirements.
See What Our Clients Say
Client satisfaction is our ultimate goal. And the team at Fluent Finance Abroad are always prepared to go that extra mile to do everything we can to ensure we achieve our clients’ objectives.
We greatly appreciate these reviews as a true testament of our hard work. And it’s always good to hear the positive experience our clients have of working with our team. Check out our Testimonials section and our Google reviews – our clients think we’re amazing and we hope you will too!
Me gustaría realizar una reseña en relación a la ayuda recibida por Judith para la obtención de una hipoteca.
Realmente se trataba de una situación compleja que gracias a su ayuda hemos conseguido solventar. Ya tenemos la hipoteca…
Quiero felicitar a Judith por su predisposición, amabilidad y profesionalidad en todo el proceso.
No dudaré en recomendar a Fluent Finanance Abroad Mortage Brokers Spain como empresa referencia en el sector
Muchas gracias por hacer realidad nuestro sueño
Jan and I would like to thank you for all your efforts in securing us the necessary finance in order to purchase our dream property in Spain.
Without your timely and expert advise the process would not have been as smooth and painless has it has been; even when there were bumps in the road, you were always there to smooth them out.
Please take this as confirmation of our total satisfaction in the services you offer and we would not hesitate to recommend those services to anyone else undertaking the same journey.
Please convey these sentiments to the rest of your team.
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!
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
I just wanted to say a huge thank you to you and your team for looking after us so well!
Throughout the process of buying our house and obtaining our mortgage, you have helped and advised us every step of the way. Your guidance has been clear, concise and accurate. You, and your team, have communicated superbly with us and made the buying process far more pleasurable and less stressful.
We, unfortunately, ran into one or two other issues outside of our control but you, again, stepped in and sorted and made things happen.
I would extremely highly recommend you and your company and could not think of anyone better to source a mortgage. When we look at moving and/or buying again, it is only Marc and his team that we will turn to.
My sincere thanks
On behalf of Charles, myself and our family I would like to say big thank you to you and your team for all your hard work and efforts in helping us with the purchase of our new apartment at the above.
We set out to move my parents to a more peaceful and tranquil environment, to enhance their lives and make it as stress free, happy and comfortable as possible now that they have reached their twilight years.
With your help we have achieved a huge part of this goal. Thank you.
The journey itself has been quite arduous but you have managed things your side with upmost efficiency, clear explanations, concice instructions, have kept us informed at each stage as and when required, and have been most helpful throughout. You have enabled attaining the mortgage to proceeded without incident.
We will certainly recommend you to anyone we know that intends to purchase a property in Spain.
It has been a real pleasure working with you!
Thank you once again.
We are first time buyers in Spain and we couldn’t have concluded the purchase without the help of Fluent Finance. Judith in particular was able to help us understand the administrative requirements of buying property in Spain and secured us a great mortgage offer and managed us through the numerous questions and information requirements. She took a personal interest in understanding and translating our circumstances to present to the banks, which really helped.
Fluent Finance came recommended to us for which we are grateful, and have no hesitation in recommending them to anyone looking for a mortgage in Spain.”
Frequently Asked Questions
How much can I borrow on a Spanish mortgage?
So, you’re considering buying your first home in Spain.
No matter whether you’re preparing for a future investment or looking to secure a holiday home, most non-residents will require a mortgage to purchase a Spanish property.
The percentage of the property value (before tax) that the bank will finance is known as loan-to-value (LTV) and all banks offer different terms.
As a general guide, non-residents can borrow up to 70% of the value of the property subject to circumstances, but most lenders are comfortable with lending to a 60% LTV.
As a non-resident, you’ll also have a higher interest rate and shorter repayment terms.
For full residents of Spain, we’re able to achieve up to 80% for a Spanish mortgage and, dependent on your circumstances, it’s not unknown for us to secure between 90 -100% mortgages.
For a rough estimate of how much you could borrow, use our Spanish mortgage calculator here!
How long does it take to get a Spanish mortgage approval?
We can achieve official, written pre-approvals within 48 hours through to approximately 10 working days, depending on the lender.
For Spanish lenders to approve you for a mortgage, they primarily look at two different factors:
- Loan-to-value ratio
For Spanish residents, lenders usually offer 80% of the purchase price, but the maximum loan for non-residents at the moment sits at 70%, with 60% being the most common awarded amount.
- Your debt-to-income ratio
Debt and income are two of the most important elements when applying for a mortgage in Spain – it gives the bank information on how much you’re able to pay per month for a mortgage, and they’ll only allow your total debt to represent a certain percentage of your gross income.
For example, lenders will usually accept DTI of 30-35% or up to 40% in special circumstances.
Do we have to pay you a consultancy fee to find out how much we can borrow on a Spanish mortgage?
We do not charge a consultancy fee to find out how much you can borrow. We’ll carry out all of the work on your behalf and then provide you with your mortgage options, with no associated charge.
What is the process involved in securing a Spanish mortgage?
We listen to your requirements and discuss the steps involved in securing a Spanish mortgage for you. You then send us the details we require, and together with our fully qualified and highly efficient support team, we will present your application to the individually selected banks who most closely match your requirements in the most favourable way.
We then inform you about your mortgage offers and help you to make the best mortgage choice for your particular circumstances.
Is Fluent Finance Abroad a fully approved and regulated mortgage broker?
Fluent Finance Abroad is fully regulated, registered and compliant with the Bank of Spain under ley de creditos inmobilarios LCCI 5/2019 BOS registration number D305. All of our mortgage brokers are fully qualified with the latest Spanish mortgage qualifications and, as Fluent Finance Abroad is a “whole of market intermediary”, provide unbiased advice using regulated processes and compliant practices.
Can I get an interest-only mortgage in Spain?
Interest only mortgages are currently not available in Spain.
Is there an upper age limit for securing a mortgage in Spain?
In Spain it’s much easier to secure a mortgage when approaching retirement age as the banks take into consideration your pension income when calculating any loan amount, allowing for loans that will run to a 75th birthday, or in some instances up to 80 years of age.
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"Clear and concise communication between clients and lenders is critical to this business"
Marc Elliott de Lama
Marc Elliott de Lama is the British expat and brains behind Fluent Finance Abroad, the Spanish mortgage brokers based in San Pedro de Alcántara, Marbella.
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