Buying a property abroad isn’t just a financial decision; it’s the start of a new way of living. From different languages and customs to local laws and everyday routines, there’s a lot to navigate when you move abroad.
This guide shares five practical tips to help you feel more prepared at every stage of the journey, from managing the buying process with confidence to easing into local life once you’ve got the keys in hand.
1. Understand the local buying process inside-out
Buying property overseas can feel quite different from what you’re used to in the UK. Every country has its own way of doing things with different legal systems, paperwork requirements, and timelines that don’t always match what you’d expect back home.
A few things to keep in mind:
- You might need to pay a deposit early on to reserve the property, even before contracts are fully signed.
- In countries like France and Spain, a notary (a local legal official) typically oversees the transaction and makes it legally binding.
- Local laws can also influence things like inheritance rights or rules around foreign ownership, which may affect your long-term plans.
- Timelines can also vary widely. In some countries, purchases are completed in a matter of weeks; in others, the process can take several months, especially if permits or extra checks are required.
Getting a clear view of the whole buying journey, from making an offer to completing the sale, can help you feel more in control and avoid last-minute surprises. Working with a bilingual solicitor who understands both UK and local property law is also one of the best ways to minimise stress and ensure everything runs smoothly.
2. Plan for currency risk and secure the best exchange rates
Exchange rates are constantly changing and even small shifts can make a big difference to the overall cost of your overseas property. From your initial deposit to legal fees and ongoing mortgage payments, currency fluctuations can quietly add (or save) thousands of pounds.
Speaking to a currency specialist can help you understand where your budget might be at risk and what you can do to protect it. With the right support, you can time your transfers more effectively, lock in competitive rates, and move your money securely when it matters most.
3. Make community and lifestyle part of your decision
A property is more than just bricks and mortar. There’s a whole life that comes with it. To make the most of it, think beyond the home itself and consider the lifestyle you’re hoping to build. Choosing the right area can make all the difference to how settled and satisfied you feel in the long run.
Here are a few questions worth asking:
- Area: Do you picture yourself in a buzzing town, a quiet village, or something in between? Is it lively all year round, or does it slow down outside the summer months?
- Atmosphere: What’s the local community like? Do you want to be surrounded by fellow expats, blend into a local village, or enjoy a mix of both? Consider the pace of life, how easily you can meet people, and whether the area feels welcoming and sociable.
- Accessibility: How easy is it to get to and from the UK? Are there nearby areas or countries you’d love to explore? How easy is it to get around by car, train or flight from your new home?
- Amenities: What things are essential that you have nearby, such as hospitals, schools, shops, and airports? What would make day-to-day life comfortable and convenient?
The best way to get a feel for a place is to visit. Taking a holiday there is a great start, but if possible, try spending time during the off-season as well. It’s the simplest way to experience what life is truly like once the tourists have gone home.
4. Give yourself time to adjust emotionally and culturally
Adjusting to life in a new country takes time. It’s normal to feel a mix of excitement and uncertainty as you navigate unfamiliar routines, new languages, and different cultural norms. Even with the most thorough planning, the emotional adjustment is something that unfolds gradually, and that’s okay!
There’s no quick fix for feeling at home, but there are things you can do to ease the transition and give yourself the best chance of settling in smoothly:
- Take a language class: Even learning a few basic phrases can help you feel more connected and confident day to day. Locals often appreciate the effort, no matter how small.
- Join local groups, clubs or volunteer organisations: Getting involved in your community is a great way to meet like-minded people, build friendships, and start feeling part of something.
- Be patient with yourself: Some days will feel easier than others. Give yourself space to adapt at your own pace, without pressure to “have it all figured out.”
Settling in isn’t about ticking boxes. It’s about slowly finding your rhythm in a new place. Over time, the unfamiliar will start to feel familiar, and what once felt foreign can become home. These small steps won’t speed things up, but they’ll make the journey more comfortable and much more meaningful.
5. Set up a reliable support network
Surrounding yourself with the right support makes all the difference. This includes professionals who understand international property purchases, as well as personal connections to help with the emotional side of relocation.
Your support team might include:
An estate agent familiar with expat buyers
A local estate agent who regularly works with international clients can guide you through local market norms, explain how the buying process differs from the UK, and help you spot potential red flags. They’re also a great source of practical insight into neighbourhoods, pricing trends, and what to expect post-purchase.
A legal advisor or solicitor
Laws around property ownership, taxes, and contracts vary widely between countries. Having a bilingual legal expert, ideally with experience in both UK and local law, ensures your interests are protected and everything is above board. They’ll review contracts, explain your obligations, and help avoid costly misunderstandings.
A currency specialist to manage your international money transfers
Currency exchange can have a big impact on your overall budget. A currency specialist can help you plan ahead, lock in competitive rates, and avoid unnecessary fees when transferring large sums. They’re especially useful for setting up regular payments abroad, whether that’s for a mortgage, utility bills, or pension income.
Fellow expats who can share tips and advice
Fellow expats can be a goldmine of informal advice. Whether online or in person, connecting with those who’ve already made the move can offer reassurance, local tips, and real insight into daily life.
Your overseas property journey starts here
Buying a property abroad is a major milestone. With careful planning and the right guidance, it can also be one of the most rewarding decisions you make. From securing the best exchange rates to easing into your new community, these tips are designed to help you move with confidence.
Ready to take the next step? You can explore our range of country-specific buying property guides here.
Written by Lumon for Rightmove.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Lumon or its subsidiaries, and it is not intended as a substitute for obtaining advice from the relevant professional services. We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.