Hi Rusty,
There is a great chap locally called Henry Slade of La Vida Mortgages. He's independent of the banks and can generally give you great advice, even if that may be to take the builders mortgage.
He can be contacted on 0034 699409061 henry@spanishmortgages.org.uk
Please mention my name when you speak to him so he knows where the referal came from.
Best regards,
Paul