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And how will it affect us........ Foreign Currency Direct's Amelia Spencer gives us her view on what could happen and why when the Governor of the Bank of England meets with his colleagues in November to discuss whether or not to raise the interest rate, and what you might be able to do to mitigate any possible losses.


The Pound received a major boost towards the end of September, following from numerous hints from the Bank of England that an increase in Interest Rates in the UK could be seen as early as November. This has meant that interbank GBP/EUR rates have fluctuated by over 5% over the course of September, and clients purchasing Euros have potentially saved themselves over £9,000 on a €200,000 purchase if timed at the highest point of the month.

The general consensus is that there is a 50% chance of a rate hike at the next Bank of England Interest Rate meeting in November, however this is purely based on indications from Governor Mark Carney, rather than concrete facts. If October brings a wave of poor UK economic data and/or the bank decide to keep rates on hold, we could see Sterling drop back down to the near 10 year lows witnessed just a month ago. If, however, the bank do decide to raise rates in November, this could create further losses for clients selling properties to repatriate their funds back to the UK. Add into the equation the ongoing topic of Brexit negotiations, which are still hanging in the balance, the next month could prove a particularly volatile one for both buyers and sellers alike.

Here at Foreign Currency Direct, our team of helpful traders have an average tenure of over 8 years and are perfectly positioned to help you to time your transfer to help you to get the most for your money. One option available to our clients is to secure your currency through the use of a Forward Contract, which allows you to book the whole amount required at today’s exchange rate, for just a small deposit.

If you would like to hear more about how we can help with transferring currency for buying or selling a French property, or for any other currency requirements, please click here to open a free, no obligation account with us, and a member of our team will be in touch.



Today we have received a Brexit update from France Property Guide which we want to share. This is what they said:


If you are living in France before the UK formally leaves the EU by March 2019, then your right to live there permanently will be protected. That was the clear message from the EU as it outlined its negotiating position ahead of Brexit talks.

This week the European Union (EU) formally established its desire to guarantee the basic rights of British citizens living in the EU. So long as the UK agrees to protect the rights of EU citizens living in Britain, as Theresa May has repeatedly said she will, then we should be okay to continue looking to buy a home and live in France without the need for visas or other restrictions for the foreseeable future.

In its directive, the EU says that the rights and status of British citizens should be a key priority in all future negotiations because there are so many people affected by Brexit. It seems that citizens’ rights are right at the top of the agenda when it comes to general future discussions and the EU also states that the rights should be reciprocal between British people and citizens of the EU’s 27 other member states.

In particular they say that the status and rights from EU law at the time of Britain withdrawing from the EU (proposed for March 2019) should be protected, including rights to pensions and healthcare. They suggest that the rights should include residence in their adopted country including access to healthcare and social security plus education and training to be available just as it is for nationals.


While no deal between the UK and the EU will be a done deal until everything is finally signed and the ink is dry - which could be a very long time, it is good new to see that not only is the EU is putting citizens concerns at the top of the agenda, but also that they are suggesting that should you buy a house in France before the UK leaves the EU in March 2019 your rights to live in the EU will be permanently protected.

So come on buyers - now is the time to make the move. The sun is shining and French property is very attractively priced. Register with us and we will send you weekly details of new listings as well as any price reductions which have taken place. What are you waiting for?


May is the month of the jour férié in France with public holidays almost weekly, but it is also the month that gardens really start to bloom. After the spring warmth and rains but before the scorching heat of summer the three favourite French plants are in bloom - irises, roses and peonies. It is also the best time for the many garden openings and plant fairs across the country. So for inspiration here are some gorgeous gardens we are marketing at the moment:

In Lot et Garonne, an elegant Italianate garden with a magnificent iris walk.

Click here to read more:

Stunning views across the Dropt valley on one side and a sensational chateau on the other, this is an exceptional property in and exceptional setting

If something more discrete is to your liking - how about a hidden courtyard garden in Hérault?  - 

Read more about it here:


A favourite of mine, because it blends so seamlessly and naturally into the magnificent surrounding scenery is this prairie style garden in the Lot

Read more about it here:


Finally - a garden for the romantic in Tarn et Garonne. This atmospheric garden has even featured in a book on romantic French gardens recently. 


Read more about it here:


As for me - on Monday, which is a holiday in honour of la victoire de 1945, I will be at our local annual plant fair in Monsegur, Gironde. Read more about it and other things relating to gardens in France in our sister blog here: Diary of a Jardin Paysan

Have a great gardening weekend - Sue



Is the political uncertainty all getting a bit too much? Fed up with the number of elections, referendums and the general turmoil? Want to escape the masses.......? Well you could always move to La France Profonde and become as close to self sufficient as you can.

One thing France has a lot of is land - vast tracts of unspoilt countryside and a climate which varies greatly from north to south and east to west. Rural land is also incredible value compared to the heavily populated UK and farming and small scale food production have a much higher status here. So what better place to live if you want to own a smallholding. Here are three options we are currently marketing:


A luxurious 5 bedroom house with swimming pool and up to 4 hectares of land available (half a hectare is included in the guide price of 475000€), this property has a cattle or equestrian barn, chicken house, glass house and is walking distance from a very popular village with shops and services in Lot et Garonne. You have the choice - a very comfortable good life, a luxurious permanent or holiday home or something between the two.

The current owner kept cattle, chickens and had a potager, see the photo of her beloved Bazas cow and calf below. See more about this house and its potential  here


If you want to supplement your income with a gite to rent out then have a look at this house with gite, two swimming pools and enough land for a big vegetable patch and chickens and bees. You will find it hidden in the heart of the Lot department.

At 390000€ it has two paddocks, stabling for a donkey and the owners also keep doves. There is even a small patch of woodland so you can harvest your own heating fuel for when all the lights go out. Read more about this house here


Finally, in truly rural Indre, approximatley 270 kilometres south of Paris we have this great not-so-little property on the market at 139000€. The house has three bedrooms and a lovely open barn attached to one side which the owners use as a summer kitchen for those lovely long, warm summer evenings.

With just under a hectare of land it has established fruit trees, outbuildings and enough land for a big vegetable garden. Grow your own and sell the surplus at the local market - or swap with neighbours and friends. Read more about it here


All of the properties are for sale privately by the owners. You would pay us no estate agency commission if you bought one of them. If you would like to know more about any of them - or anything else we are marketing, please contact us and we will put you in direct contact with the property owner.



Ed Llewellyn, the British Ambassador to France posted a video on Twitter this afternoon. We have re-tweeted it, but for all clients who are not members of the Twtterati (the majority of us I suspect) you can catch up with him and his Twitter account here:

or here

Ed Llewellyn Twitter

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