You will need to provide documentation for the bank to be able to consider your mortgage application.

Typically this will include: 3 months bank statements, 3 months pay slips or accounts if self employed, Income Tax Returns (P60), copies of passport or Residence Card, copy of Title Deed from Property (Nota Simple) If you are buying off plan the developer may already have a mortgage in place, which you can simply take-over (subrogate) on completion, subject to your financial status.

Set up fees for a mortgage from a Spanish bank are normally between 3-4% of the mortgage advance and include Stamp Duty, the bank's commission, legal, notary and land registry fees. These fees are usually lower if you take over a developer's mortgage on completion.