Alberto Bertazzi
Founder & Director
A Bocconi University graduate with over 22 years in Spanish banking, Alberto leads the bespoke strategy side of FCG and personally oversees client cases.
🏦 What We Offer
Our Services
A complete range of mortgage and financial services tailored to international buyers in Spain — handled by specialists who know the market inside-out.
Mortgage Products
Spanish Mortgage Solutions
We offer access to all main mortgage types available in Spain through our network of 10+ bank partners.
Fixed Rate
Your interest rate stays constant for the entire term of the loan — ideal for buyers who value predictability and long-term budget certainty.
Variable Rate
Rate linked to Euribor, typically starting lower than fixed rates. Ideal when rates are high and expected to fall, or for shorter terms.
Mixed Rate
Fixed for an initial period (typically 5–10 years), then switching to variable. Offers protection early on with potential savings later.
70%
Max LTV
30
Year Max Term
10+
Bank Partners
~3wk
Avg. Approval Time
Mortgage Switching
Transfer your existing Spanish mortgage to a new lender to improve your interest rate, reduce monthly payments, consolidate debts, or extend your repayment term. We handle all the paperwork and negotiations.
Self-Build Mortgages
Specialist financing for new construction and land purchases with progressive drawdown structures that release funds in stages as your build progresses. We work with lenders who specialise in this area.
Rejected Application Recovery
If you've been turned down, had long delays, or received worse terms than initially discussed, our team will review your case and approach the right lender to achieve a successful outcome.
NIE & Residency Coordination
We assist with NIE number applications, residency card coordination and broader residency planning linked to your property purchase, while introducing specialist legal support where a separate residence route is required.
Budget Analysis
Before you start property hunting, we provide a thorough budget analysis — clarifying what you can borrow, at what cost, and what total budget you can realistically work with including purchase costs and taxes.
Insurance & Personal Loans
Life and health insurance products required alongside your mortgage, sourced at competitive rates. Plus unsecured personal loans for renovation, furniture, and other needs following your purchase.
Direct Human Contact
Work Directly With Alberto or Mike
No outsourced case handling. From the first mortgage review to the final stretch of the transaction, you can reach a real specialist when something needs explaining, solving or chasing.
Mike Brady
Senior Mortgage Advisor
Mike focuses on Spanish mortgages for expats and non-residents, guiding international buyers through lender fit, paperwork and day-to-day progress with clarity and care.
No Obligation
Start With a Free
Budget Analysis
Tell us about your situation and we'll tell you exactly what's possible — before you commit to anything.
