MarceloBarreneche, Author at Upscore

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MarceloBarreneche

Marcelo Barreneche is the co-founder and CEO of Upscore, a fintech platform helping international buyers access mortgages and property financing across borders. He focuses on simplifying the mortgage process for global buyers by connecting them with lenders and streamlining documentation for cross-border property purchases.

Latest & Popular Articles

Credit Scores in Spain: What Foreigners Need to Know Before Applying for a Mortgage (2026)

29 April 2026 No Comments

Spain does not use credit scores. There is no FICO, no Experian rating, no number between 300 and 850 that determines your mortgage eligibility. Spanish

Mortgage Broker vs Bank in Spain: A Comparison for Non-Residents (2026)

15 April 2026 No Comments

Based on Upscore customer data from mortgage applications processed in Spain. Non-residents buying property in Spain have three options for securing a mortgage: go directly

Mortgage Broker vs Bank in Spain: A Comparison for Non-Residents (2026)

7 April 2026 No Comments

Based on Upscore customer data from mortgage applications processed in Spain. Non-residents buying property in Spain have three options for securing a mortgage: go directly

Overseas Mortgages for UK Citizens in 2026: UK Banks and Alternatives to Buy Abroad

27 March 2026 No Comments

Based on data from 768 British mortgage applicants across Spain, Portugal and UAE. Most UK residents searching for an overseas mortgage assume their high street

The 3 Best Credit Cards to Use Abroad in Europe

25 November 2025 No Comments

So, you’re packing for a trip to Europe – or maybe you’re already dreaming about planning a full-on move abroad – and someone inevitably brings

Does France Have Credit Scores Like the UK? What Actually Happens When You Move Abroad

20 November 2025 No Comments

Moving to France from the UK, you’re probably thinking about the food, the weather – maybe even the tax situation. But there’s also credit that

How is Credit Score Determined in the UK? + Tips to Improve It

15 November 2025 No Comments

If you’re planning to move abroad or simply want to tidy up your finances here at home, knowing how your credit score is determined –

Do You Pay Tax on ISA Interest in the UK? Is It Better Abroad?

10 November 2025 No Comments

In the UK, individual savings accounts keep interest and dividend income totally tax-free, but it gets a bit messier once you cross a border. Unsure

What is a House Loan Guarantor and Who Can Be One?

30 October 2025 No Comments

Looking for support or trying to help someone climb the UK property ladder? One route is to step in as a home loan guarantor. This

Is it Better to Overpay a Mortgage or Save?

13 October 2025 No Comments

You’ve accepted a job in Portugal or Spain, and now you’re looking at two buttons in your online banking. One says “make mortgage overpayments”, the

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Upscore Ltd is registered in England and Wales (Company number 14707637). Registered office: 1-2 Charterhouse Mews, London, England, EC1M 6BB.

Licensed by the Information Commissioner’s Office (Licence number ZB533439).

Upscore Ltd is authorised and regulated by the Financial Conduct Authority (FCA), reference number 1011029. Upscore is a credit broker, not a lender. All credit is subject to status. Upscore might receive a commission from the lender if you are accepted for a consumer credit product.

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