How do I avoid losing money on the exchange rate when funding the purchase?

The dirham is pegged to the US dollar at AED 3.6725, so dollar-based buyers carry no currency risk; others do. Retail banks bury 1-3% in the exchange rate, while specialist FX brokers (OFX, Currencies Direct, Wise) charge 0.3-0.6%, saving thousands. Forward contracts can lock today's rate for a transfer up to 12 months ahead.