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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.

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    "DATA PROTECTION: In compliance with GDPR (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 and LO 3/2018 of December 5 on the Protection of Personal Data and Guarantee of Digital Rights, We inform you that the data provided by you will be processed by FLUENT FINANCE ABROAD SL with CIF B93504918 and address at AVENIDA MARQUÉS DEL DUERO Nº 76, PUERTA 3C, SAN PEDRO ALCANTARA, 29670 (MALAGA) in order to attend to your information request. The legal basis for the processing of your data is the consent given for the sending of information. The data provided will be kept as long as the contractual relationship is maintained or during the years necessary to comply with legal obligations. The data will not be transferred to third parties except in cases where there is a legal obligation. You can exercise your rights of access, rectification, limitation of treatment, portability, opposition to the treatment and deletion of your data by writing to the postal address mentioned above or electronic info@fluentfinanceabroad.com, attaching a copy of the DNI in both cases, as well as the right to file a claim with the Control Authority (aepd.es).