OK so I can't tell you about Spain, but EVERY move/change of house seems to run over budget than underbudget, because not only do you have moving costs, but there are costs involved in registering in the country, setting up gas, electricity and telephone accounts, and sometimes even a high cost for bottled water if the local stuff has to many nitrates or something similar in.

Plus then there's doing up the house .... changing all your UK plugs (often overlooked!) and having the electrics checked by a registered engineer ...................

I wouldn't want to put you off, but most folk underbudget and end up having to get a loan, which of course incurs interest!!

Thanks for that, but all I care about at the moment is being able to get a place with such a low budget. I dont care if I have bare walls and a sleeping bag if I can find a bank that will lend me money with £20k deposit and I can find a place on that budget

Blueback, I have pm'd you.

This is certainly not a definitive answer, but my understanding of mortgages in Spain.

I shall work on an exchange rate of 1.25 Euro to the pound.

It looks like your maximum budget for a home would be about 75k (Euro); this has not been determined by your income, but by your deposit.
You would have to stump up 20% of this figure (15k) as a deposit and another 10% to cover costs (7.5k) which would leave you a few thousand out of your 25k to cover mortgage set up costs (where applicable).

Depending on your age the banks would require that your annual earnings are between a quarter and a third of the 60 grand mortgage, a third being 20k Euro and a quarter being 15k.

Whether there are acceptable properties available in that price range is something that you need to come over and find out.

I can't see any Spanish bank having a problem in lending on a habitable property as long as you can prove that you have the means to pay.

Also bear in mind that banks here do not muck about. Go three months behind on your mortgage repayments and be prepared to say goodbye to your home.

thanks for the info, dont think I could find anything for 75k so I guess I will have to save some more!!! Im earning 30K euros. so that might help.

I might try the english banks to see if I can up it a bit because looking around im going to need to buy at around 120000 for something I could live in for some time