You can borrow up to 80% of a property's value as a resident of Spain
Residents of Spain can usually borrow 80% of the property’s value. A resident of Spain is defined as an applicant that is domiciled and paying tax in Spain.
LTV is not the only factor that will determine how much you can take out a mortgage in Spain. Lenders will look at your income and debts, among other factors relating to you and the property.