"Of course, one can always find ‘free’ software, but annual software lease agreements and/or membership fees paid to company offering it end up costing more over long term than you would have paid had you purchased software outright," he says.

Disappointed with vagaries of equity markets, hidden agendas of brokerage firms, and sizable start up costs of equities day trading, Keister’s turned to forex. "Forex trading is excruciatingly affordable. One doesn’t have to invest a fortune in software and on-going membership fees to get started. Trading software is readily available on-line and only fee one can anticipate is a modest transaction spread," Keister says.

"When I first started looking into forex trading, I discovered that only way small investors could get in market was to jump in deep end, more often than not, without knowledge they needed to keep themselves afloat. Like everyone else, I paid dearly for my lessons because I couldn’t find a mentor willing or able to provide information I needed to succeed. Now that I look back on experiences I had, I can understand why that information wasn’t readily available. The big boys were just too busy making money and had nothing to gain sharing their expertise with little guys like me," Keister says.

When Keister first entered forex market, he was naturally frustrated by fact that there was no single, reliable source he could rely on to get answers to even simplest questions," he says. "There were a few insiders who assembled rudimentary training materials they would sell at an exaggerated cost, but I couldn’t find a central source of information about forex trading and, more importantly, couldn’t get clarification when materials provided generated even more questions than they answered.

"Over past ten years I’ve also read scores of books about forex trading and they, too, have a common problem. While providing an abundance of information, they unnecessarily complicate process," he says. "Forex trading is a very simple process based on a mastery of a number of visual cues that normally occur above and below pivot points. You don’t need to understand why market behaves way it does. You only need to be able to recognize a few predicable patterns to generate a reasonable and consistent return on your investments."

Failing to find an adequate source of information, Keister decided to put together an education program of his own, one based on his own successes and failures. "It was clear to me that forex education arena was lacking so I put together a forex trading course that simplifies process, providing answers to basic questions experts were too either too busy to answer or couldn’t answer in a language that can be easily understood," he says. In end he believes he has developed a forex trading course that actually makes forex trading easy - a forex trading course for dummies.

Why would he use term ‘dummies?’ "Not to 'dis' younger generation, but I hired a number of high school and college students to test program and majority are now successfully trading on their own behalf. Those who are underage are using custodial accounts set up by their parents," he says. "If they can do it with as little knowledge as they have, anyone can do it."

Unlike so many online forex training programs that sell their clients training materials and then disappear, ForexInterBank’s program includes live, daily mentoring. Once students have completed company’s interactive forex trading course, they have means to actually watch and listen to ForexInterBank traders as they walk through their own trades. "We believe this follow-on, real world training is what really sets us apart," Keister says.

"Our clients can actually listen in on real time analysis and watch trades as they actually happen," he says. A few examples of these live mentoring sessions can be viewed in live training room at company’s web site. "Visitors can see and listen to eight of our past sessions," Keister points out.

Day traders and investors wanting more information about John Keister and ForexInterBank’s educational services are encouraged to visit www.Forexinterbank.com.

If you had a strong credit history before you expatriated and you’re now in receipt of income to support your mortgage application there are a number of lenders specifically interested in attracting expatriate business though. Some of major high street lenders will charge you a bit of a premium for ease of application and service they offer and it’s actually worth while shopping round on internet to see who else is offering specific expatriate mortgages.

Usually you should be able to borrow up to 85% of property’s value and when it comes to proof of income this can be made up of earned, pension, investment and rental income. 4) Equity Release and Second Mortgages

This is of course simplest and most popular method being used currently for purchase of holiday homes overseas by many buyers. In UK especially, where housing market has significantly strengthened over last 5 – 7 years, many people have built up substantial equity in their homes and are now releasing this ‘extra money’ to purchase property in Spain in cash.

If you consider this method you must accept that additional sum you add to your mortgage will incur interest, it will have to be repaid over term or at end of term of your mortgage and that whole loan is secured on your main property.

5) Installment Payments

You might like to consider purchasing property off plan as this can give you option to pay for real estate via a series of installments or stage payments that you can save up to fund during build period.

After paying securing deposit your installment dates and amounts will be written into your purchase contract enabling you to budget accordingly. Clearly this method would particularly suit those with a high level of disposable income.

Once you have determined most suitable method to suit your requirements and circumstances you can begin your search for a lender if applicable. Consider searching internet, using forums, expatriate and international property sites, examining lenders sites and you can also listen to personal recommendations from friends, family and colleagues who have already undertaken property purchases in Spain.