How much can I borrow as a resident of Spain?

Loan to value for residents in 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 mortgage you can take out in Spain. Lenders will look at your income and debts, among other factors relating to you and the property.