Visit our latest live Events and Webinars with experts and get all your questions answered

Quarterly currency forecast, July to September 2026

A falling euro is saving Spain homebuyers thousands, but will it last?

Whether you are buying a home in Spain, retiring there, or planning a big move abroad, small shifts in the pound-euro rate can cost or gain you thousands, sometimes tens of thousands.

The pound has gained ground against the euro in recent days. In Smart Currency Exchange’s brand-new Quarterly Forecast, our specialists weigh up predictions from the world’s biggest banks to show you what is really likely for the months ahead, and how a new prime minister, interest rate decisions and global oil prices could move the exchange rate again.

Free guide Quarterly Currency Forecast guide cover
Why this quarter is different

Three forces are pulling at your exchange rate right now

1

A new prime minister at the helm

Another change of leadership brings a new economic plan, and markets are already asking what it could mean for growth, borrowing and the strength of the pound.

2

Interest rates and the housing market

Every Bank of England decision this quarter is a balancing act between controlling inflation and supporting growth, with knock-on effects for mortgages and the wider housing market.

3

Trump, Iran and the oil price

Geopolitical tension in the Middle East and US policy under President Trump continue to move oil prices, and energy costs feed straight through into inflation and the pound’s strength against the euro and dollar.

Your money, this quarter

What could a shift in the pound mean for you?

Enter the amount you are planning to transfer and drag the slider to see how a rate movement changes what you actually receive.

Pound weakens 5% Today’s rate Pound strengthens 5%
At today’s rate
€0
Under your scenario
€0
Difference
€0
Move the slider to see what this quarter’s currency swings could mean for your transfer.

Illustrative only, based on approximate market rates. This is not a live quote or financial advice. Exchange rates change constantly, speak to a Smart Currency Exchange specialist for a real, no-obligation rate.

Who this forecast is for

If any of this sounds like you, the exchange rate is already part of your plan

Buying abroad

You have a property purchase in the pipeline and need to know what your budget will really stretch to.

Planning a move

You are relocating and moving savings, pensions or sale proceeds into a new currency.

Sending money regularly

You pay a mortgage, pension or bills abroad every month and small rate shifts add up over a year.

Building a portfolio

You hold or plan to hold property overseas and want to manage currency risk like any other investment.

Quarterly Currency Forecast guide cover
Inside this quarter’s report

Can another new PM save sterling?

In this report you will find:

  • Can the new prime minister kick-start the economy?
  • Is the euro’s dominant stretch coming to an end?
  • Why the energy crisis may last longer than expected
  • Plus, currency predictions from leading banks

Don’t miss out, download your copy now.

Download your free copy
How Smart Currency Exchange helps

Turning insight into a plan for your money

1

Get the forecast

Download the free quarterly report and understand what is driving the pound this quarter.

2

Talk to a specialist

A dedicated currency specialist talks you through your options, free and with no obligation.

3

Lock in your rate

Use tools like forward contracts and market orders to protect your budget from further swings.

Why buyers trust Smart

20 years of helping people move money abroad with confidence

20+
Years of excellence
Excellent
Trustpilot rating
FCA
Authorised and regulated

Read our reviews on Trustpilot →

Common questions

Before you download

Is the forecast guide really free?

Yes. There is no cost and no obligation to use Smart Currency Exchange afterwards. It is simply a briefing on what the specialists expect from the currency markets this quarter.

Is the calculator above a real exchange rate quote?

No. It uses approximate market rates to illustrate how a movement in the exchange rate could affect a transfer. For a live, accurate rate, speak to a Smart Currency Exchange specialist directly.

Do I have to transfer money to get the guide?

Not at all. Many people download the forecast simply to stay informed, whether they are transferring next week or next year.

What happens after I download the guide?

You will receive the report by email and have the option to book a free, no-obligation call with a currency specialist to talk through your own situation.

Get your copy

Download your free quarterly currency forecast

Fill in your details below to get immediate access to your Quarterly Forecast.

"*" indicates required fields

Get your free forecast Download

Your Overseas Home Live

Saturday 7 November 2026
8am–8pm UK time
3am–3pm ET · 12am–12pm PT

Free to attend
Join from anywhere
Expert insights, practical advice and live Q&As to help you plan your overseas move or property purchase.

£250 GIFT VOUCHER
Register free and log in on the day to be entered automatically.*

You have Successfully Subscribed!