★Rated Excellent on Trustpilot
FINTRAC Regulated
Trusted Since 1996
Same-Day Wires

    Buy Property Abroad with Better Exchange Rates and Zero Fees

    MTFX helps Canadian buyers send deposits, closing balances, and mortgage payments securely with competitive exchange rates, clear tracking, and specialist FX support.

    MTFX Live Rate Calculator
    Canadian flag icon representing CAD or Canada-based payments
    Conversion rate
    CAD/
    0
    /CAD
    0
    Total amount
    500,000.00 CAD

    We use mid-market rates. This is for informational purposes only. Log in to view send rates.

    30+

    Years of FX expertise serving customers worldwide

    20K+

    Customers send money abroad with MTFX every year

    10B+

    Moved in cross-border payments, year after year

    Save up to 4% vs banks

    Don’t Let the Bank Take a Cut of Your Property Budget

    Whether you are sending a deposit, stage payment, or final balance, MTFX helps you move money securely with competitive exchange rates and expert support.

    Property Purchase Transfer

    Potential Savings
    $16,000

    Based on up to 4% savings compared with major banks.

    More money toward your purchase

    Deposit Payment

    Potential Savings
    $1,600

    Based on up to 4% savings compared with major banks.

    Keep more cash for legal fees, furnishing, or travel

    Illustrative savings only. Actual savings vary by currency, amount, exchange rate, timing, and fees.

    Send Property Payments to Popular Overseas Destinations

    Ready to buy property abroad? Get bank-beating exchange rates, avoid unnecessary transfer fees, and move your funds securely with MTFX. 

    01 / 07
    Trusted FX Expertise

    Why Canadians Trust MTFX for Overseas Property Payments

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    Bank-Beating Exchange Rates

    Save up to 4% compared with banks, helping more of your money go toward the property instead of FX markups.

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    Regulated & Secure Transfers

    Send large property payments with confidence through a FINTRAC-regulated provider with secure transfer processes.

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    Fast International Settlement

    Keep deposits, stage payments, and closing balances on schedule with most transfers arriving within 1–2 business days.

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    Dedicated Property FX Support

    Work with FX specialists who understand overseas property payments, large transfers, and time-sensitive transactions.

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    Global Reach

    Send property payments in 50+ currencies to 200+ countries, whether you are buying a home or vacation property.

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    Rate Alerts & Lock-Ins

    Set target rate alerts or lock in an exchange rate for future payments to protect your budget from currency swings.

    GLOBAL REACH
    How It Works

    Steps for Sending an Overseas Property Payment with MTFX

    From quote to final settlement, MTFX helps you secure your rate, manage your payment, and track your overseas property transfer with specialist support.

    01

    Start with Strategy

    Plan Your Transfer

    • Speak with a dedicated property FX specialist
    • Review your payment timeline and FX options
    • Explore rate alerts and lock-ins
    • Get a tailored quote for overseas transfer
    02

    Lock In Your Rate

    Secure Your Rate

    • Plan ahead with a currency rate lock-in
    • Protect your budget from FX volatility
    • Schedule payments around key milestones
    • Keep your solicitor or notary timeline on track
    03

    Complete Your Transfer

    Ensure Timely Purchase

    • Move funds securely across borders
    • Stay on schedule with fast settlement
    • Track your payment from start to finish
    • Plan future payments with ongoing support
    Key Considerations

    Get More Value from Your Overseas Property Transfer

    Your overseas property purchase may involve several payments, each with its own deadline and currency requirement. MTFX helps you manage them with competitive rates, secure transfers, and expert support from the deposit to the final payment

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    Did you know?

    A 2% exchange rate movement on a $500K property can cost you $10,000

    MTFX rate lock-in can help protect your budget.

    Aerial view of global financial district at dusk
    Global Property Payments

    Trusted by Canadians for High-Value Property Transfers

    Buying property abroad requires precise timing & careful FX management. MTFX helps Canadian buyers compare rates, transfer securely, and keep property payments on schedule.

    $10B+

    Transferred Annually

    30+

    Years of Experience

    190+

    Countries Served

    50+

    Currencies Available
    “We were comparing rates to exchange CAD to USD to purchase a property. We are so happy that we chose MTFX! We saved a lot of money by choosing this company. The money was exchanged right away, and the transfer was received in a couple of days. Very professional company with excellent customer service.”

    Vivian Castilla

    MTFX have such amazing agents. Their personalized service makes me feel like I am MTFX’s only customer. They get everything done so fast that I cannot believe how they do that? They watch for the best exchange rates whenever I need them to do it. I have referred them to many potential clients, and they reach out and they are always happy. MTFX is so far advanced with great customer service compared to Canadian banks that constantly give their customers terrible service, no tracking, high rates, lost funds and making the worst transfer errors ever. There are virtual banks that give better exchange rates, but I will always stick with MTFX because of your well-oiled systems and great agents. I honestly think all the service agents at MTFX have been great since I started in 2019. MTFX still stands out from the crowd because they have given me the best customer service I have ever had!

    Shakeita Young

    “The MTFX team made exchanging funds really easy and straightforward. My agent gave me a direct line and was always happy to answer all my questions, no matter how small. I felt comfortable and well taken care of.” "I’ll definitely keep using MTFX in the future."

    Fawzi

    “MTFX helped me to transfer money to Japan. I really felt that they tried to not lose my money. When I transferred, the rate was quite good.”

    Ririn

    “MTFX made my experience great! They paid attention to detail and were extremely patient, answering all of my questions. Thank you for going above and beyond!”   "Working with MTFX does take a bit of setup due to KYC laws, but they were the shop that could take bill pay from both TD and RBC and had one of the best rates I could find (I think I spent too much time rate shopping!)."

    Daniel

    FAQs

    For large overseas property payments, many buyers use a specialist foreign exchange provider instead of a bank because the exchange rate can have a bigger impact than the transfer fee. MTFX helps Canadian buyers compare rates, plan timing, and send funds securely.

    Simply set up your recipient, choose your currency, and complete the transfer online. MTFX handles the foreign exchange services, so you can send money internationally directly to a bank account with ease.

    You typically need the beneficiary name, bank name, account number or IBAN, SWIFT/BIC code, beneficiary address, payment currency, amount, and a clear payment reference.

    You may need government-issued ID, proof of address, the property purchase agreement, source-of-funds documents, and the recipient’s verified bank details. Additional documents may be requested for compliance checks.

    Yes, MTFX personal payment solutions support recurring transfers, making it simple to send money overseas regularly for expenses like tuition, property, or family support.

    Large transfers may require identity, account, payment-purpose, or source-of-funds checks. This helps protect customers and supports regulatory compliance.

    It is best to start planning as soon as your offer is accepted or your payment deadline is known. This gives you time to verify your account, prepare documents, compare rates, and avoid last-minute delays.

    Opening a personal account is quick and straightforward. Simply register online, complete identity verification, and once approved you can start sending money right away with better rates, lower costs, and personal support. MTFX offers the best way to send money abroad for personal transfers.

    Depending on your needs and eligibility, MTFX can discuss rate lock-in options for future property payments so you can manage currency risk before your deadline.

    The total cost depends on the exchange rate, transfer fees, amount, and currency pair. Because exchange-rate markups can be costly on large transfers, comparing MTFX with your bank before sending can help you make a more informed decision.

    Speak to an Overseas Property Specialist

    Get expert guidance on timing, rates, and the best strategy for your international property payment.

    Book a Consultation

    Open Your MTFX Account

    Register in minutes. No obligation, no hidden fees. Start saving on your property transfer today.

    Create Free Account