MARC ELLIOTT DE LAMA
Founder and Owner of Fluent Finance Abroad
MARC ELLIOTT DE LAMA
Whole of Market Spanish Mortgage Consultant (Intermediario de Crédito Inmobiliario ICI)
Marc started his career in the Financial Services sector in London, and gained his first qualification as an IFA at City Financial Partners Ltd in Russell Square. He then progressed to Lloyds TSB working for Scottish Widows, their insurance arm, specialising in investment and protection product ranges. During this time he completed his FPC certifications.
Marc then decided to expand his skill set and specialise in the London mortgage market by joining Charcol Bradford & Bingley in South West London, where he completed his Certificate of Mortgage Advice & Practice qualifications (CeMAP).
Gaining excellent experience at Charcol’s, he then worked for Mortgage Next, 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 client’s 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.
Marc subsequently founded Fluent Finance Abroad in April 2006 as an independent mortgage broker covering the whole of the Spanish market.
As a firm, FFA has been fully operational throughout the credit crisis, which severely affected Spain along with Portugal, Ireland, Italy & Greece. Marc and his company were able to withstand all the challenges that the banking crisis brought to Spain and was 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. This 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 perfectly placed to offer an excellent service to all parties concerned in the property buying process here in Spain, be it 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 who all have excellent industry experience & knowledge, ensuring the highest standard of advice is given to both borrowers and lenders alike.