How much can I borrow of the purchase price?

The maximum Loan to Value (often abbreviated LTV) our clients will obtain in Spain will depend on whether they declare their income in Spain or elsewhere.
If you are a Spanish resident, banks will usually offer to lend 80% of the purchase price (excluding fees). It is possible to achieve slightly more than 80%, but your circumstances have to be optimal for the bank to consider this. If you are interested in a mortgage of more than 80%, please contact us to discuss whether this will be possible for your situation.
If you are a non-resident, the maximum loan to value banks offer at the moment is 70% of the purchase price. That being said, it is common that they only give 60%. The percentage can vary depending on the country in which you reside/declare your taxes and your mortgage preferences.

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Are you a Spanish Tax Residence?(Required)