Helping Buyers & Vendors Meet.

Integrity, transparency & creativity.

At Bliss we are fully trained and highly experienced. We know, and love, property law as crazy at it may seem! Our mission is to protect you. The new laws which come into effect on October 1st 2017 are designed to protect the buyer more than ever and have seen the biggest change to real estate to come into practice in many years.

Here at BLISS we believe that any law which encourages transparency is positive. Completing a sale and handing over the keys to your property is no longer a guarantee that the process is at an end. Legal cases can now be brought to court, should it be proven that the buyer was given incomplete or inexact information either by the owner or the agency. This includes information relevant to both the house and the immediate area. By working hand in hand with your notary we ensure transparency, communication and the completion of a sale with which both parties are satisfied.

By entrusting the sale of your property to our agency, you will benefit from professional advice at every step of the way, in accordance with French law.

Here at Bliss both buyers and sellers receive bi-lingual, competent professional advice and are guided every step of the way. We work closely with local solicitors, the tax office and town hall, to ensure that your sales dossier is completed with speed and efficiency.

Our core values are different from those of many local agents. We choose the properties we market carefully, and according to what we know our clients are looking for. The houses on our books are selected with care and attention as we privilege quality over quantity.

When it comes to marketing your property, our artistic and literary skills ensure a creative and orginal presentation of your home and Gascony.

Our Service Includes:
– Regular contact and meetings with the Bliss team.
– A complete valuation and analysis of the marketing strategy necessary to sell your property.
– Strict control of the quality of photographs used.
– The opportunity for our vendors to personalise the sale of their property with our unique VENDOR INTERVIEWS AND TRANSCRIPTS (Why you chose your property, what you enjoy most about it, your experiences in Gascony).
– Fully detailed floor-plans – in the style of an architectural floor-plan.
– International marketing with an International and web marketing specialist, (experienced in SEO, developing European and International markets) ensuring that your property is seen on the relevant French and British websites.
– A ‘magazine’ style presentation of your property with large colour spreads.
– Information in BLISS MAGAZINE on local people and places – encouraging buyers to narrow their property search from the whole of SW France to our area.

By rigorously selecting the properties for which we believe we can find a new owner, Bliss focusses on you and your property. This could be anything from a ruined farm to a chateau – but each of our properties is carefully chosen and has character and charm.

If you have a home that you would like us to market, please contact BLISS. We would be delighted to meet you.

If you are looking for a home in Gascony, we look forward to helping you find the perfect home.

Contact us at: contact@blissimmo.com

“I WANTED A SPACE FOR MY BEST FRIEND…”

‘BLISS’

A BLISS INTERVIEW WITH JAMES SPURWAY

The Foremost Currency Group

“We’ve been working together for ten years now, how has the market changed in that time?”

Wow, 10 years already! Time flies! To be honest the Foreign Exchange market hasn’t changed in its mechanics, we are still doing the same thing we did 10 years ago. However, regulations since the financial crash have got a lot stricter which is all for the benefit of the client; funds are safer now than they were 10 years ago, not that it has ever been risky using a broker to transfer funds.

In terms of the rate however now that has changed. When we started working together the GBP/EUR rate was over 1.45 and since then we have seen lows of 1.01, back to 1.40 before the EU referendum, and now back below 1.20 again! To put in into perspective a €300,000 purchase at 1.10 is £22,700 more expensive than buying at 1.20!

READ FULL INTERVIEW

An Interview with James Spurway


“We’ve been working together for ten years now, how has the market changed in that time?”

Wow, 10 years already! Time flies! To be honest the Foreign Exchange market hasn’t changed in its mechanics, we are still doing the same thing we did 10 years ago. However, regulations since the financial crash have got a lot stricter which is all for the benefit of the client; funds are safer now than they were 10 years ago, not that it has ever been risky using a broker to transfer funds.

In terms of the rate however now that has changed. When we started working together the GBP/EUR rate was over 1.45 and since then we have seen lows of 1.01, back to 1.40 before the EU referendum, and now back below 1.20 again! To put in into perspective a €300,000 purchase at 1.10 is £22,700 more expensive than buying at 1.20!

“Why should a vendor block a rate even though not sold? How does that work?”

Booking a rate using a Forward Contract is a great tool for peace of mind. You know that once your rate is fixed you have a guaranteed return on the sale proceeds, and you can fix the rate for up to two years into the future. It’s not for everyone as you do need some capital to put down as a security deposit against the trade (which is returned at the end of the contract) but once a rate has been fixed you can work out exactly what a potential buyers offer is worth in your chosen currency. Then if someone comes in with a low offer you can work out the euro figure they need to go to that enables you to get your desired return on the sale.

Buyers can use it too; I wouldn’t agree to buy a house unless I knew what it was costing me so when buying abroad the actual cost of the house will differ daily until you have fixed your rate of exchange.

“How do you manage to offer my clients systematically lower rates than any other group I’ve worked with?”

Quite simply we don’t just go to one source to buy our currency. When a client asks for a quote I go to 3 sources that we buy through (one main UK bank, and then two investment brokerages in the City) and shop around for the best rate I can achieve. I then bring that rate back to the client and I rarely find any of my competitors are able to match or beat my rates.

I also like to work with my clients on the timing of their purchase as even a small movement over the course of a week can make a huge difference when buying or selling a property overseas.

“How do you see Brexit affecting the purchase of homes in France?”

I have a number of clients waiting to see what Brexit will mean before proceeding with a purchase in Europe. Worst case we could need VISA’s to travel and the rights of UK citizens are still unclear but I personally can’t see either being affected too greatly. Yes, we may need to arrange a permit to travel but with the US for example you can get an ESTA online in minutes and it lasts for 2 years. I also think UK/EU citizens’ rights will be guaranteed quite early in negotiations as neither side seem keen to use people as bargaining chips. It could even buy worth buying before we leave in that case!

“You accompany clients beyond the purchase stage, sometimes for years. How does this work?”

Once a client has an account with me it remains open for as long as they need it, and I stay as their account manager for the duration of their currency requirements. This way I assist with the purchase of the property, ongoing payments for renovations/mortgage payments/living expenses etc. and sometimes once it has run its course even help them to repatriate their euros when they sell up and come home!

I act as an account manager so my clients always feel they can pick up the phone and ask me questions on the markets or about transfers they need to make. My 10 years’ experience doing the job means I have built up a decent knowledge base about how foreign banks or the overseas buying process works so I am often answering questions that aren’t associated to foreign exchange, which I really don’t mind doing.

“What do you predict will happen to the pound, long term, short term?”

Now that’s the magic question! Clients often ask me to gaze into my crystal ball which is getting murkier by the week lately! The recent volatility we have seen since Brexit has made the market the most unpredictable that I have seen since I started working in the industry in 2007, so that includes all the way through the financial crash.

My gut says we will see some uncertain times running up to the UK election as elections cause uncertainty, then if the Conservatives double or triple their majority (which I expect them to) the pound could rally as it supposedly strengthens the PM’s hand in Brexit negotiations. It seems to find 1.20 a level which is hard to break through so we would need to see some real strength to get above it. Then later in 2017 and into 2018 we have German & Italian elections, plus ongoing Brexit negotiations, so who knows what will happen then.

The best thing a client can do whenever they are looking at buying or selling overseas is to get in touch early. I can then keep them updated with any market movement and try and give them a heads up should we see a particularly good rate or it looks like the market is going to move against them.

“In your opinion is property abroad still a good investment?” 

I think it has always been a good investment, just not always financially. Ok there are markets that haven’t performed well during or since the financial crash, but when you look at Gascony in particular, I can’t think of more than a handful of clients who have bought a property there for financial reasons alone. It is all about the lifestyle, the scenery and of course the food & drink! I love it down there and don’t get out to see you often enough!

Everyone knows the property market can go up and down but I have had many clients who haven’t made any money on their property abroad but due to a move in the exchange rate, have ended up bringing more pounds sterling back than they started with.

“Is it safe to use a company like Foremost, or could I lose my money?”

Every client asks me this questions which is more than understandable when they are often moving their life savings into another currency. All funds are held with us in segregated client bank accounts with Barclays, UK, so if anything was to ever happen to the company all client funds would be returned. The main thing I can point out here is we DO NOT SPECULATE on the markets so there is no danger of us disappearing overnight because we have made a bad decision on the markets, we only buy currency when clients request us to do so.

The other thing to point out is I am personally authorised by the FCA which means that I have proven myself to be a fit and proper person. This isn’t something that is necessary to work in this industry but I feel it is something that makes me stand out against other brokers as a client can not only see our company on the FCA register, but also me personally, so it should be of huge peace of mind. ”

Tel : 05 62 28 59 32
Mobile: 06 16 85 86 13
Email: contact@blissimmo.com

Opening Hours of our Lectoure Office
Tuesday to Friday: 9.00 am – 1.00 pm
and 2.00 pm - 6.00 pm
Saturday mornings: 10.00 am - 1.00 pm
Closed on Sundays and Mondays.
Viewings by prior appointment only.

Reg. Office: 54 Rue Nationale, 32700 Lectoure
License No. CPI 3201 2017 000 018 266

© 2018 Bliss Immobilier. All Rights Reserved.

Whilst every attempt has been made to ensure the accuracy of the information and dimensions listed, any information given, is only an approximation and no responsibility is taken for any error, omission or misrepresentation. These details are for guidance only. No guarantee is given on the surface area of the property here quoted as this has not been measured in accordance with La Loi Carrez. All details should be verified prior to purchase with both a legally qualified surveyor and French registered notaire.