If you require a mortgage then you can apply to a Spanish bank and they will require evidence of income. If you are in receipt of a pension or other income from your country of origin, then a certificate from your bank will be sufficient. If you are a working resident you will need to produce your last years tax return. The bank will send a valuer to the property selected and you will receive a mortgage offer based upon the bank's valuation. Normally the bank will give up to 80% on valuation. The process will take approx. 2 weeks depending on the selected bank. Interlink are working directly with Banco de Andalucia, Unicaja and other leading banks that can offer not only preferential rates but also a personal, professional service tailored to your particular needs, and in your language. 

Current mortgage rates are around 3.45 - 4%.  Mortgages are for a period of between 5 and 30 years, according to applicant's age.

If you are a working resident in Spain you will be allowed to reclaim tax in respect of your monthly mortgage repayments. The first year you can reclaim 25% of your total repayment and 15% thereafter.