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If you earn in one currency and borrow in another, exchange-rate moves change your real monthly payment for the entire term. This shows what your payment becomes — in your own currency — if your home currency weakens against the loan currency.
Inputs
Property country (loan currency)
You earn in
Result
If GBP weakens vs EUR
A −20% move in GBP adds £213/month to your payment — every month, for 25years. That is the risk lenders don't stress for you.
Why this matters.A mortgage is a 20-30 year short position in the loan currency. If your income currency depreciates, your real payment rises and never comes back down. The 2008-2015 era saw GBP and several EM currencies lose 20-40% against the euro — buyers who'd budgeted at the old rate were trapped.
How to hedge it. Options include borrowing in your income currency where possible, keeping a 6-12 month payment buffer in the loan currency, using forward contracts for the deposit and early payments, or simply choosing a payment that still works at a −20% shock.
Indicative model. Uses the midpoint of the non-resident rate band and a flat depreciation shock — real FX paths are volatile. Not financial advice.
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