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Real Estate
From deposit to completion, cross-border property transactions involve large sums where even a small rate movement can cost thousands. Aetas Global secures your rate in advance, so the price you budget is the price you pay.
The Challenge
Property completions can shift by weeks or months, during which exchange rates can move significantly, turning a dream home into a budget problem.
A 2% adverse rate movement on a £500,000 property purchase means £10,000 lost. On larger transactions, the stakes are even higher.
Deposits, stage payments, and final balances each carry FX risk if handled as separate transactions at different rates over time.
The Aetas Solution
Secure today's rate for a future completion date, eliminating timing risk between offer acceptance and handover.
Coordinate deposits, installments, and final balances under a single rate strategy, so every payment works toward the same outcome.
FX advisors experienced in cross-border property transactions, working alongside your conveyancer and notary to time payments precisely.
Case Study
Client
A British couple purchasing a €450,000 vacation property in the Algarve, Portugal, with a 4-month gap between deposit and completion.
Challenge
The EUR/GBP rate at the time of the offer would have resulted in a purchase cost of approximately £385,000. Over the 4-month period to completion, adverse market movements threatened to add £8,000–£12,000 to the final cost.
Our Approach
We secured a forward contract locking the EUR/GBP rate at the offer-stage level for the full purchase price, valid for 4 months. The deposit and final balance were scheduled as staged payments under the same locked rate.
€11,700
Saved vs. spot rate
4 months
Rate secured ahead
£0
Hidden fees
"The rate was locked the day we made our offer. When completion came, the market had moved against us, but our price hadn't changed by a penny."
— Property Buyer, Algarve Purchase
Frequently Asked Questions
You can lock in an exchange rate for an overseas property purchase using a forward contract. This secures today's rate for a future completion date, which is critical because property transactions often take weeks or months to complete, during which exchange rates can move significantly and add thousands to your purchase cost.
The Difference
Feature
Aetas Global
Institutional FX
Retail Bank
High-street transfer
Exchange Rate Margin
Rate Lock for Completion
Stage Payment Coordination
Large Sum Handling
Forward Contracts
Transfer Fees
Dedicated Property Team
Exchange Rate Margin
Aetas Global
Your Bank
Rate Lock for Completion
Aetas Global
Your Bank
Stage Payment Coordination
Aetas Global
Your Bank
Large Sum Handling
Aetas Global
Your Bank
Forward Contracts
Aetas Global
Your Bank
Transfer Fees
Aetas Global
Your Bank
Dedicated Property Team
Aetas Global
Your Bank
Comparison based on typical high-street bank retail FX pricing vs. Aetas Global institutional rates. Actual savings vary by currency pair and transfer amount.
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Tell us about your currency needs and a dedicated real estate FX specialist will be in touch. No obligation, no hidden fees, just institutional-grade rates and expert guidance.
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