Hi Macfod,
with exchange rates it really does depend on your needs. If you need the money now then you don't have much choice. If you can afford to wait then you take the gamble. Exchanging your money isn't the only aspect of your financial future here and what you lose with one hand you may gain somewhere else (like you said property is still going up) Have you been back in touch with World First again. I used these guys and they were excellent explain the dilema and they may try and beat Hi FX.
Paul
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