Our Team

Ronei Kolesny
Ronei Kolesny
Sales Executive

Honesty, integrity, transparency and unparalleled standards are just some of the qualities that describe our CEO Founder Ronei Kolesny .  With nineteen year experience Ronei are dedicated to search the best solutions for each client , that include real estate, finance, administration issues and more ...

READ MORE
Joan Canadell Comas
Joan Canadell Comas
Sales Executive

Joan begins her career in 1981. Her experience focuses on companies, real estate, heritage, commercials and more.

Joan takes care of the commercial interests of a wide network of clients based in all Spain, Portugal, South America, England, Eua and more. This includes drafting and negotiating all types ...

READ MORE
Maria Castro
Maria Castro
Office Assistant
Maria is our assistant , with more than 25 years experience Maria take care of  all administrative issues together with our lawyer Joan Canadell. Maria are efficient, dedicated , fast and organized .

READ MORE
Romain Alberino
Romain Alberino
Rentals
Romain is a very communicative guy . He love deal with people and he is very organized and goal orientated. His parents have a Real Estate company in France , and he's doing their websites by Wordpress and  studying Business Administration , now Roamain  would do 5 months practice with our Barcelona ...

READ MORE
Juan Barrera
Juan Barrera
Sales Assistant
Juan is a very communicative guy . He love deal with people and he is very organized and goal orientated.
Origin from México , Juan have degree in Business Management , and he have choosen Barcelona as a city to live . Juan speak fluent Spanish & English . 
READ MORE

International Mortgage Brokers

• • 

Maximum LTV available to non-residents in Spain: Up to 75% based on the property collateral

Up to 100% for those customers that deposit and pledge listed financial assets with the lender for the duration of the loan

Remortgage and equity release mortgages

We offer remortgage and equity release if your customers require funds from its current property in their home country in UK, Denmark, Norway, France and Sweden in order to buy a new one.

Mortgages available (i)

We pay you a gross commission of 0.85%, for those customers introduced by you that complete a mortgage to buy a Property in Spain.

For information purposes only and non binding, this is approximately 50% of the mortgage arrangement fee + 25% of the mortgage broker fee.

We finance higher percentages to non residents
Minimum mortgage amount 450,000 with no maximum
Our commission for remortages or equity release is 0.50%

Mortgages available (ii)

We work with lenders (mainly private Banks) based in: Spain

Luxembourg UK Switzerland

Established in Spain in 2001

Founded by a finance professional with over 20 years of international experience and know-how in the mortgage industry

Financially sound

No debts since incorporation with a solid balance sheet

Independently owned by the Directors

We are unbiased and with no conflict of interest

Company highlights (i)

Regulated

We are licensed as mortgage brokers with the Spanish regulatory body, which provides us with an EU passport

Data Protection

Registered and monitored by the Spanish Data Protection Agency, with one of the strictest laws within the EU

Call Center

Located in Hampshire, England

Bespoke CRM

Infrastructure located within ISO27001- certified UK data centers

Reputation

Since our incorporation, we have not received a formal complaint or have being involved in a litigation process

Transparent process

Spanish legislation requires that we sign with our customers:

  • Broker contract

  • Data release authorization from the customers to forward their information to external providers

Company highlights (ii)

Multiple solutions

Flexible panel of local lenders in different countries with competitive products to encourage the re-mortgage of your existing borrowers in one point, facilitating your portfolio exit strategy at a par value

Corporate Social Responsibility

We contribute every year to charity organizations

Mr Stubbs, CFA Independent Investment Consultant

Mr Guillett – Director of Performance WBA FC

Financing a property in Portugal is a long and detailed process, no

Customers feedback

matter what anybody tells you. FN's knowledge and professionalism Excellent, professional service from FN to help me purchase my Spanishwas the major factor that allowed me to secure the level of finance I

property. Co-ordination with local banks, introduction to leading FX needed to purchase my preferred property in the Algarve. His brokers all conducted very efficiently. Good communication with me at allplanning skills and ability to turn around issues quickly was hugely

stages. Mortgage terms and FX deposit transfer rates both outstanding (have checked and best / very close to best in market place). Being independent and charging me a flat fee critical, in my view - incentivised to find me the best deal, rather than being incentivised to go with whichever bank may have offered largest commission etc. Overall, very pleased and found FN a pleasure to deal with over the last couple of months.

Mr Allan – Vice President of Operations (ASIAN) – Pan Pacific Hotels Group

FN was a great help in our financing for a property purchase. They were extremely professional, communication was fast and efficient and they met our tight deadline perfectly. It was a complicated mortgage application with us living in another country other than our home country, and purchasing a property in Spain. They kept us constantly up to date with the status of the financing application and ensured that we had all the necessary paperwork correct. Would certainly recommend and work with FN again in the future for property purchases.

impressive. He also managed to keep me calm and focussed when difficult issues arose.
I have no hesitation in recommending FN very strongly for financial advice and action when there is a need to secure finance for an overseas property purchase.

Mr Gourlay – Chief Executive Officer at Nexus People Group

FN supported us through the entire process during our recent acquisition of property in Spain, their knowledge of the process was immense and when we came across unexpected pitfalls they solved them in a professional and efficient manner, and secured a really good deal for us from the lending bank. I would recommend FN to anyone looking to obtain a mortgage in Spain.

Financial North® is:

Regulated, being supervised and audited by Spanish regulators Flexible, we can tailor our processes and reports as required Experienced, over than 1,000 mortgages completed by our team Independent, with no conflict of interest