Here is some information that may help you;

Any property in Spain that is classed as RUSTICA (defined on the land registry slip known as a NOTA SIMPLE and this is held by the agent or the vendor) is always more difficult to obtain a mortgage on than an URBANA property.

Why? Because there may be doubt over permissions granted many years ago and becasue there is less of a pool of people wanting to buy these properties and this may make it more difficult for the lender to sell the property on if they reposess.

There are lenders who will provide a mortgage on the properties but it is more on an individual basis rather than using the banks traditional criteria but in the current 'risk adverse market' you would be unlikely to pick up more than 50 % of the purchase price in a mortgage. You will also not be able to get a self certified mortgage(no proof of income) on a RUSTICA property or a self certified remortgage in the future.

On the positive side a lot of RUSTICA properties have been re-registered as URBANA so this increases your possibilities.

If you can cope with 50% or less as a mortgage then start your search, and ask for the nota simple for any property that you are interested in. Pass this to a reputable mortgage broker to review and becasue of their expereince they will know if the property and your income will get a mortgage, then you can move forward.

If the 50% is definitely not going to be enough then still look at rural areas but advise your agents that you can only consider URBANA registered properties.

I hope this helps