Published by Zeb BhamIt is never too late to start organisation foreign mortgages and planning for retirement abroad, an expert has suggested.Rhiannon Davies, director of Shelter Offshore, said that it is "simply never too soon to start planning".There are a number of aspects to consider when moving abroad for retirement. Alongside foreign mortgages for a property, considerations such as health insurance and any visas that may be needed must also be taken into account.Ms Davies said that the most important thing to get right when considering a move abroad is finance."Consideration should be given to affording the move and affording ongoing living/healthcare," she said.While it is never too early to begin planning, anyone with around 12 to 18 months left before retirement should still be able to get affairs in order for a move overseas, she added.Her comments follow research from sunshine.co.uk which found that the VAT increase in the UK is encouraging more people to consider a move abroad to enjoy a lower cost of living.For more information on purchasing currency for regular or one-off payments, visit our Personal FX site