How much can I borrow against the purchase price of a property in Spain?

The maximum mortgage you can get from a Spanish bank will depend upon your financial circumstances and your residency status

This will depend upon your personal and financial circumstances. For people who pay their taxes in Spain, the maximum mortgage will usually be 80%. This can rise to 100% in the case of a repossessed property when buying it from a Spanish bank if you are a resident of Spain, though such circumstances are increasingly rare.

For non-fiscal residents of Spain, how much you can borrow in the form of a mortgage will generally be lower, in the region of 60% to 70% loan to value. Some banks will automatically apply a maximum of 60%. This is because lenders will view borrowers from abroad as a higher risk.