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Discover how UK expats the Horshams navigated GBP/EUR fluctuations to save thousands on their overseas home. Learn FX risk mitigation tips with bank-beating rates and secure transfers.
Currency Risk Calculator
Imagine finding your perfect villa in the French countryside, only to watch currency swings erode your deposit by thousands in weeks. This is the reality for many UK buyers abroad.
Sarah and David, a retired UK couple in their 60s, relocating to Provence for a quieter life. Their story shows how expert guidance turned potential losses into savings.
At Excel Currencies, we provide bank-beating exchange rates, no hidden fees, and fast, secure transfers to keep your dreams on track.
Try the calculator below to see how much rate moves could have cost you.
An illustrative case study. In 2024 the Horshams started their journey of looking for a property in France. Over the three months they spent searching, GBP/EUR fell, and every dip made the same French home more expensive in pounds. In early 2025 they found the one: a charming 3-bedroom stone house in Provence at €450,000, with a €45,000 deposit to pay.
“We were thrilled at first, but watching the rates drop as we were trying to find the perfect home felt like our savings were slipping away,” shares Sarah. Their biggest concern was that if it dropped any further, their dream of buying in France wouldn’t be possible at all.
– Sarah Horsham
Their Excel Currencies account manager mapped out a plan specific to them: the deposit due by an agreed date, then completion three months later, with the rate fixed in advance using a Forward Contract.
a GBP/EUR rate of 1.18
fixing the full €450,000 at
£381,356by the date the purchase agreement required
at the agreed rate of
1.18€405,000 balance paid 12 weeks after the deposit
total cost stays at
£381,356Illustrative figures: what the same purchase would have cost without a plan as GBP/EUR fell from 1.18 to 1.15, then 1.13.
GBP/EUR at 1.18
the full payment was equivalent to
£381,356GBP/EUR falls to 1.15
without a plan, costs rise to
£391,304amid global events
without a plan, a further
£4,927See how much your chosen currency has changed over the last 12 months:
In the last twelve months you could have … by not using a Forward Contract.
Find out how locking in an exchange rate with a Forward Contract can help you avoid losing money. Call one of our currency experts on +44 (0) 1322 221 121 for a free, no-obligation quote.
Referred by a fellow expat forum, the Horshams contacted us for a free consultation. Our team assessed their timeline and needs in under 24 hours.
Locked in a rate of 1.17 for the full amount, shielding against further drops—saving £9,200 alone.
Unlike banks charging 2-4% margins, our transparent structure saved an additional £5,675.
Split payments (deposit + balance) completed same-day via our app, ensuring no delays.
"Speaking to a real human expert, not a chatbot, made all the difference—they explained everything simply," says David.
Total savings: £14,875. The deal closed on time, and they even had extra for furnishings.
Bank-beating rates for maximum savings, no hidden fees for full transparency, fast secure transfers for peace of mind, and personal human support for tailored advice.
We've helped over 5,000 clients save millions annually—backed by a 5-star Trustpilot rating from 890+ reviews.
Excel Currencies didn't just save us money; they saved our sanity during a stressful move.
– Sarah Horsham
Ready to protect your overseas purchase?
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