Overview
If you're buying property in Spain with funds held in GBP, USD, AUD, or another currency, the exchange rate you get matters — a lot. High-street banks typically charge a spread of 2–3% on currency conversion. On a €400,000 purchase, that's €8,000–€12,000 lost before you've paid a single legal fee. Specialist FX providers typically charge 0.5–1% — meaning most buyers can save several thousand pounds, dollars, or Australian dollars on a single transaction. We connect you with vetted FX specialists who work specifically with property buyers. They offer competitive rates, forward contracts (to lock in today's rate for a future completion), and dedicated account managers who understand the property purchase process.
What We Offer
What's included
FX specialist introductions
We introduce you to regulated, specialist FX providers who work with property buyers — not the generic bank or airport bureau de change.
Rate comparison
We help you understand what you're being charged — and how specialist providers compare to your bank.
Forward contracts
Lock in today's exchange rate for a future transfer — protecting you from currency movements between offer and completion.
Timing strategy
We advise on when to convert funds relative to your property purchase milestones, to reduce exposure to adverse rate movements.
Integration with property purchase
Your FX provider needs to be ready when your solicitor needs funds. We coordinate timing so nothing delays your completion.
Cost modelling
We include FX costs in our full cost-of-acquisition modelling, so you have a realistic picture of what your purchase actually costs.
Who It's For
Is this right for you?
This service is designed for clients in specific situations. If you see yourself below, we're a good fit.
UK buyers purchasing in Spain with GBP who want to avoid bank conversion rates
US, Australian, or Canadian buyers making large EUR purchases for the first time
Investors transferring large sums (€200k+) where even small rate improvements mean significant savings
Buyers with a fixed budget in their home currency who need to understand what they can afford in EUR
Anyone who has never made a large international transfer before and wants guidance on the process
Process
How it works
01
Understanding your needs
We understand your timeline, the currencies involved, and the approximate amount to be transferred.
02
FX provider introduction
We introduce you to a specialist FX provider suited to your transaction. They will explain your options and provide a rate comparison.
03
Account setup
You set up an account with the FX provider — straightforward, regulated, and typically faster than you'd expect.
04
Rate strategy and contract
Decide whether to transfer at the spot rate or use a forward contract to lock in a rate for a future date.
05
Transfer and coordination
When your solicitor needs funds, the FX provider transfers euros directly to the designated Spanish account. We coordinate timing.
Questions
How much can I actually save?
On a €400,000 purchase funded in GBP, the difference between a bank rate (2.5% spread) and a specialist rate (0.75%) can be £6,000–£8,000. Use our fee calculator to model this for your specific transaction.
Is it safe to use a specialist FX provider?
Yes — regulated specialist FX providers are authorised by the FCA (in the UK) or equivalent regulatory bodies. Client funds are held in segregated accounts. We only introduce clients to providers we trust.
What is a forward contract?
A forward contract lets you lock in today's exchange rate for a transfer that will happen in the future (e.g. at completion, 3 months from now). This protects you from the risk of the rate moving against you between now and then. A small deposit is typically required.
Do I have to use an FX provider you recommend?
No. We recommend it because we've seen clients lose significant money using bank rates. But you're free to use whoever you prefer. We'll still coordinate the timing of your transfer with your solicitor.
Let's talk about your situation
Book a free, no-obligation consultation with our team.
Book a Consultation