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  1. I had around 20k in GBP invested in shares and funds back in the UK. These were going nowhere, so I have cashed them in, and they are now sitting in a savings account back in my UK bank. I am pretty certain ill be living in Australia for at least another 5years, and most likely the long term. Therefore I want to bring the money over here, and perhaps invest in a house later in the year (in Melbourne). Q1 - What is the best way to transfer this sort of money from UK to Oz? My english friend at work said that banks swift transfers usually have bad rates and high fees, as they dont want to lose the money. Any truth in this? Q2 - When is the best time to shift it? (Can this even be answered?) I keep an eye on this link: http://www.google.com/finance?q=AUDGBP But it just seems the AUD keeps getting stronger and stronger compared to the pound - which is good, but should I be waiting for a trough or any tips on any upcoming changes that may affect this? I would be gutted if I transfer one week, and then if I waited another week, could have made a lot more (or lost a lot more I guess). Thoughts?