Available to hire
Hello, I’m Vittorio Fratta, a mortgage broker and financial advisor based in Marbella, Spain. Over the last decade, I have helped international clients navigate mortgage options, banks, and relocation strategies across Spain, Italy, and beyond. I collaborate with real estate agents, lawyers, and financial institutions to deliver tailored financing, investment, and residency solutions while keeping client relationships at the forefront.
I also bring experience in legal and real estate advisory, operations leadership, and IT entrepreneurship. I enjoy building practical plans that bridge finance, law, and technology to support my clients’ goals and relocation plans.
Experience Level
Language
Italian
Fluent
English
Fluent
Spanish; Castilian
Advanced
French
Beginner
Work Experience
Mortgage Broker & Financial Advisor at Fluent Finance Abroad (FFA)
December 1, 2024 - December 1, 2024Licensed mortgage advisor by the Bank of Spain; advise international clients on mortgage options, property finance, and relocation strategies; assist with mortgage applications, liaise with Spanish banks, and negotiate loan terms; analyze financial situations to determine eligibility and financing solutions; provide guidance on taxation, legal considerations, and investment opportunities; collaborate with real estate agents, legal professionals, and financial institutions; manage client relationships and ensure smooth mortgage approval processes.
Legal & Management Advisor at Stardar | Onward Consulting
February 1, 2022 - February 1, 2022Managed legal and financial transactions for commercial and residential properties in Spain; drafted and reviewed sales, lease, and business transfer agreements; provided legal consultancy on visas and residency permits; developed investment opportunities in Italy; partnered with architects for property renovations and business planning; conducted property auctions and legal consulting for investors.
Head of Operations & Law Professor at Marbella University
July 1, 2014 - July 1, 2014Developed and implemented university policies and strategies; oversaw daily academic and administrative operations; supervised BA and MBA modules and curriculum development; managed student visa applications and legal matters; conducted research and provided academic advising; led faculty recruitment and HR processes.
Legal & Financial Advisor at Private Mortgage Broker
September 1, 2009 - September 1, 2009Negotiated mortgage deals and liaised with banks; analyzed mortgage viability and advised clients on financial structuring; assisted with contract execution and court proceedings for repossessions; managed partnerships with major banks (Banco Santander, Halifax Spain, Unicaja, Bankinter, Barclays, UCI).
IT Consultant & Business Owner at Chicco’s Inc.
November 1, 2006 - November 1, 2006Developed IT solutions for businesses and private clients; implemented telecommunications, Wi-Fi mesh, and video surveillance systems; executed digital marketing campaigns and business automation strategies.
Real Estate Advisor at Carlobo SL & Engel & Völkers
December 1, 2005 - December 1, 2005Managed property sales and rentals; assisted clients in contract negotiations and financial structuring; conducted property valuations and marketing campaigns.
Practitioner & Procurator Lawyer at Studio Legale Associato Montanari, Fabbozzo, Casali, Verzelli
September 1, 2004 - September 1, 2004Assisted in civil and criminal court proceedings; drafted legal reports and client consultations; attended professional training and legal seminars.
Mortgage Broker & Financial Advisor at Fluent Finance Abroad
December 31, 2024 - December 31, 2024Licensed mortgage advisor by the Bank of Spain; advise international clients on mortgage options, property finance and relocation strategies; assist clients with mortgage applications; liaise with Spanish banks and negotiate loan terms; analyze financial situations to determine eligibility and financing solutions; provide guidance on taxation, legal considerations, and investment opportunities; collaborate with real estate agents, legal professionals, and financial institutions; manage client relationships and ensure smooth mortgage approval processes.
Legal & Management Advisor at Stardar | Onward Consulting
February 28, 2022 - February 28, 2022Managed legal and financial transactions for commercial and residential properties in Spain; drafted and reviewed sales, lease, and business transfer agreements; provided legal consultancy on visas and residency permits; developed investment opportunities in Italy (Rome, Milan, Bologna, Verona); partnered with architects for property renovations and business planning; conducted property auctions and legal consulting for investors.
Head of Operations & Law Professor at Marbella University
July 31, 2014 - July 31, 2014Developed and implemented university policies and strategies; oversaw daily academic and administrative operations; supervised BA and MBA modules and curriculum development; managed student visa applications and legal matters; conducted research and provided academic advising; led faculty recruitment and HR processes.
Legal & Financial Advisor at Private Mortgage Broker
September 30, 2009 - September 30, 2009Negotiated mortgage deals and liaised with banks; analyzed mortgage viability and advised clients on financial structuring; assisted with contract execution and court proceedings for repossessions; managed partnerships with major banks (Banco Santander, Halifax Spain, Unicaja, Bankinter, Barclays, UCI).
IT Consultant & Business Owner at Chicco’s Inc.
November 30, 2006 - November 30, 2006Developed IT solutions for businesses and private clients; implemented telecommunications, Wi-Fi mesh, and video surveillance systems; executed digital marketing campaigns and business automation strategies.
Real Estate Advisor at Carlobo SL & Engel & Völkers
December 31, 2005 - December 31, 2005Managed property sales and rentals; assisted clients in contract negotiations and financial structuring; conducted property valuations and marketing campaigns.
Practitioner & Procurator Lawyer at Studio Legale Associato Montanari, Fabbozzo, Casali, Verzelli
September 30, 2004 - September 30, 2004Assisted in civil and criminal court proceedings; drafted legal reports and client consultations; attended professional training and legal seminars.
Mortgage Broker & Financial Advisor at Fluent Finance Abroad
April 1, 2022 - December 31, 2024Licensed mortgage advisor by the Bank of Spain. Advise international clients on mortgage options, property finance, and relocation strategies. Assist clients with mortgage applications, liaise with Spanish banks, and negotiate loan terms. Analyze financial situations to determine eligibility and financing solutions. Provide guidance on taxation, legal considerations, and investment opportunities. Collaborate with real estate agents, legal professionals, and financial institutions. Manage client relationships and ensure smooth mortgage approval processes.
Legal & Management Advisor at Stardar | Onward Consulting
September 1, 2014 - February 28, 2022Managed legal and financial transactions for commercial and residential properties in Spain. Drafted and reviewed sales, lease, and business transfer agreements. Provided legal consultancy on visas and residency permits. Developed investment opportunities in Italy (Rome, Milan, Bologna, Verona). Partnered with architects for property renovations and business planning. Conducted property auctions and legal consulting for investors.
Head of Operations & Law Professor at Marbella University
December 1, 2009 - July 31, 2014Developed and implemented university policies and strategies. Oversaw daily academic and administrative operations. Supervised BA and MBA modules and curriculum development. Managed student visa applications and legal matters. Conducted research and provided academic advising. Led faculty recruitment and HR processes.
Legal & Financial Advisor (Private Mortgage Broker) at Private Mortgage Broker
May 1, 2007 - September 30, 2009Negotiated mortgage deals and liaised with banks. Analyzed mortgage viability and advised clients on financial structuring. Assisted with contract execution and court proceedings for repossessions. Managed partnerships with major banks (Banco Santander, Halifax Spain, Unicaja, Bankinter, Barclays, UCI).
Practitioner & Procurator Lawyer at Studio Legale Associato Montanari, Fabbozzo, Casali, Verzelli
September 1, 2002 - September 30, 2004Assisted in civil and criminal court proceedings. Drafted legal reports and client consultations. Attended professional training and legal seminars.
Education
Master’s in Law at Università degli Studi di Bologna
January 1, 1995 - January 1, 2002Erasmus Program at Tilburg University
January 1, 1998 - January 1, 1998Advanced English Studies at NC State University
January 1, 1999 - January 1, 1999Scientific Diploma at Liceo Scientifico Statale A. Righi, Bologna
January 1, 1994 - January 1, 1994Master’s in Law at Università degli Studi di Bologna
January 1, 1995 - December 31, 2002Erasmus Program at Tilburg University
January 1, 1998 - November 26, 2025Advanced English Studies at North Carolina State University
January 1, 1999 - November 26, 2025Scientific Diploma at Liceo Scientifico Statale A. Righi
January 1, 1994 - December 31, 1994Master’s in Law at Università degli Studi di Bologna
January 1, 1995 - December 31, 2002Erasmus Program at Tilburg University, Netherlands
January 1, 1998 - December 31, 1998Advanced English Studies at NC State University, USA
January 1, 1999 - December 31, 1999Scientific Diploma at Liceo Scientifico Statale A. Righi, Bologna
January 1, 1994 - December 31, 1994Qualifications
Licensed mortgage advisor by the Bank of Spain
April 1, 2022 - November 26, 2025Licensed mortgage advisor by the Bank of Spain
April 1, 2022 - November 26, 2025Licensed Mortgage Advisor by the Bank of Spain
April 1, 2022 - December 1, 2025Industry Experience
Financial Services, Real Estate & Construction, Professional Services, Education, Software & Internet
Experience Level
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