Selling overseas property in 2026? Learn the process, UK CGT rules for expats, key taxes, and how to save thousands on transfers with bank-beating rates & no hidden fees from Excel Currencies.
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With UK expats returning home or diversifying investments, sales are up in key markets like Spain and Portugal. Prices are stable (2-4% growth forecast), but volatility in GBP-EUR could erode your profits if not handled right.
Common pitfalls? High bank fees on transfers and unexpected taxes. We're here to help you keep more of what you've earned.
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On profits over £3,000 allowance (2025/26). Rates: 18-24% for residential. Report within 60 days.
E.g., Spain's plusvalía (land value tax), France's capital gains (up to 36%).
UK treaties with 100+ countries offset foreign taxes.
Settle mortgages; use solicitors for deeds.
| Country | Local CGT Rate | Key Tax | UK Relief Available |
|---|---|---|---|
| Spain | 19-26% | Plusvalía | Yes (DTA) |
| Portugal | 28% | IMT | Yes |
| France | 19% + surtax | Capital gains | Yes |
| Cyprus | 20% | Transfer fees | Yes |
We can help you with the any step of the process
Use local agents or tools like Rightmove Overseas for accurate pricing.
Stage, repair, and market (virtual tours popular for international buyers).
List on global portals; choose agents experienced with expats.
Secure offers; sign with legal checks.
Handle paperwork; receive proceeds.
This is where we shine – safe, fee-free repatriation.
Avoid Losing Thousands to Exchange Rates 2026 GBP forecasts show risks – don't let banks skim your funds. We offer:
“ We were paralysed looking at portals – every area seemed perfect online but felt touristy when we visited. One 20-minute call with Excel and they immediately steered us away from the overcrowded coast to a quieter village 15 minutes inland that ticked every box. They also locked our rate 9 months early when GBP was strong. We completed in September and saved £28,000 versus waiting until exchange. Still can’t believe this is our home. “
“ Post-Brexit rules terrified me – the 90-day limit, non-lucrative visa, taxes… I thought I’d left it too late at 62. Excel’s team explained the Spanish Golden Visa route that still works perfectly for UK citizens in 2025, introduced me to a English-speaking lawyer they’ve used for years, and handled all the currency in stages so I never had €200k+ sitting in a Spanish bank earning nothing. Retired there in April with zero stress. “
“ We were selling our UK home to buy a small chateau and needed the sale and purchase to happen at the same time. Everyone told us it was impossible with the exchange-rate swings at the time. Excel set up a series of forward contracts that guaranteed our French budget no matter what happened to the pound. When the pound crashed a week before completion, we didn't lose a single euro. We still send them Christmas cards from the turret! “
You've built equity – now secure it. Our personal service ensures fast, transparent repatriation.
Lock Your Rate & Get a Quote TodayHigh bank fees on transfers and unexpected taxes. We're here to help you keep more of what you've earned.
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Below are some of the more recent ones.
Online via HMRC within 60 days.
