Regulatory, Lender and Fee Information
Finance Consulting Group provides independent mortgage guidance to international buyers seeking finance in Spain. Mortgage credit-intermediation services are provided through Alberto Giovanni Bertazzi Barioli personally, who is registered with the Banco de España as a mortgage credit intermediary under Law 5/2019. This page sets out exactly what that means, how our lender network works, how we charge, and how we calculate the figures shown elsewhere on this site.
Who is actually regulated, and how
Finance Consulting Group is a trading name — it is not, itself, a separately registered entity. The regulated mortgage credit-intermediation activity carried out for FCG clients is provided through Alberto Giovanni Bertazzi Barioli, who is registered with the Banco de España as an intermediario de crédito inmobiliario (mortgage credit intermediary) under Law 5/2019. We are precise about this distinction because regulatory statements should be accurate, not convenient.
Mike Brady
Alberto BertazziBanco de España registration
- Registered intermediary: Alberto Giovanni Bertazzi Barioli
- Registration number: E621
- Registration date: 15 April 2026
- Supervisory register: Registro de intermediarios de crédito inmobiliario del Banco de España
- Applicable jurisdiction: Spain
- Trading name on the register: Finance Consulting Group
- Professional indemnity: backed by a guarantor on the register, Lloyd's Insurance Company, S.A.
Check the registration in the Banco de España register →
The full registration certificate is marked confidential by the Banco de España and is not published here. The registration number, date and register link above are drawn directly from the public register entry, and can be independently verified at any time using the link.
How our independence works
FCG does not have an exclusive arrangement with any one bank. We are free to approach the lender or lenders that appear most appropriate for each client's situation. The most suitable lender is not always the one offering the lowest advertised rate — depending on the case, the relevant factors may include the likelihood of approval, maximum borrowing, processing speed, treatment of foreign income, existing debts, document requirements and the type of property being purchased.
Our lender network
Alberto and the FCG team have developed professional relationships and personal banking contacts over many years. Depending on a client's profile, we may explore options with lenders including Banco Sabadell, CaixaBank, Unicaja, UCI, Santander, ABANCA, Cajamar, Ibercaja, Cofidis, Dexter and EBN Banco, together with other smaller lenders and specialist finance providers.
This list mixes traditional retail banks with specialist mortgage lenders and alternative-finance providers — for example, UCI and Cofidis specialise in mortgage and consumer lending rather than full retail banking, and Dexter is an alternative-finance provider used mainly for property-development and bridging cases rather than standard residential mortgages. The list is not fixed and may change according to a client's circumstances and the lending criteria available at the time. Not every lender is approached in every case, and not every lender will suit every applicant.
Our fee model
Our service operates on a "no mortgage, no fee" basis. The client pays our agreed fee, plus VAT. No fee is payable if we are unable to arrange a mortgage, subject to the specific terms explained before engagement.
Our initial discussion and preliminary assessment are free of charge. The applicable fee, VAT and payment terms are explained clearly before a client formally instructs us. We do not guarantee approval, a particular loan amount, interest rate or lender outcome.
Our historical approval-rate figure
Where this site states a 94% historical approval rate, this is what it means: during the two-year period reviewed, 94% of applications that passed our initial in-house underwriting assessment subsequently received some form of mortgage approval. For this purpose, an approval includes an approval for the full requested amount or for a lower amount.
This is an internal historical figure based on our own case records, not a guarantee of future approval. Cases that appear unlikely to succeed do not proceed past our initial assessment — we tell clients honestly when that is the case, rather than submitting an unsuitable application to a bank. Because of that initial screening step, the 94% figure should not be interpreted as the approval rate for every enquiry we receive.
This same initial-assessment approach is also the basis for the "straight answers from the outset" language used elsewhere on this site: we carry out an honest in-house review before submitting a case to a lender, and we say so plainly when a mortgage looks unlikely, rather than presenting unrealistic expectations.
Where "22+ years" comes from
The "22+ years" experience figure referenced across this site is Alberto Bertazzi's personal experience working in Spanish banking and mortgages, before he founded Finance Consulting Group. FCG's lender relationships, case-assessment approach and day-to-day process are built directly on that personal background, so we attribute the figure to him rather than presenting it as an institutional track record.
Quick answers
No — the registration belongs to Alberto Giovanni Bertazzi Barioli personally (registration number E621). Finance Consulting Group is his registered trading name, not a separately registered entity.
No. We have no exclusive relationship with any single lender, and approach whichever lender or lenders we consider most suitable for each case.
Our service is no-mortgage, no-fee. No fee is payable if we are unable to arrange a mortgage, subject to the terms explained before engagement. The initial discussion and assessment are always free.
94% of applications that passed our initial internal underwriting assessment over the last two years went on to receive some form of mortgage approval, full or partial. It excludes cases that didn't pass our initial screening, and is not a guarantee for any individual application.
General information only, not a regulatory filing, legal advice or a guarantee of mortgage approval, a particular rate or a specific lender outcome. Any historical figures shown on this site, including the approval-rate figure above, are internal management statistics and should not be treated as a prediction of the outcome of an individual application. Clients should review their own circumstances with an appropriate adviser before making financial commitments.
Ready to see where you stand?
If you want an initial assessment based on your actual income, debts, residency and target property, complete the FCG online application. Start your online mortgage application →