What is mutual exchange?

A mutual exchange is when two or more council or housing associations tenants, agree to swap homes with each other.  It can be a simple one-to-one swap or part of a larger chain involving several tenants.  You must written permission from your landlord before any move takes place.

 A quick guide to the mutual exchange scheme:

Who can apply?

You can normally apply for a mutual exchange if you have one of the following tenancies:

• Secure council tenancy
• Flexible/fixed-term council tenancy
• Assured housing association tenancy
• Some fixed-term assured shorthold tenancies

You cannot exchange if you hold an introductory or starter tenancy.

Your landlord may also refuse an exchange if:

• You have rent arrears
• The property would be too large or too small for your household
• There are legal notices or possession proceedings in place
• The home is adapted for disabilities and you do not require the adaptations.

Step 1 - find Someone to swap with

You can search for another tenant to exchange with using:

• Homeswapper – free for all CBC housing services tenants
• House exchange
• Exchange Locata
• Local advertising and word of mouth.

When registering online, you can:

• List your current home
• Search for suitable properties
• Message other tenant
• Arrange viewings

Step 2 - view each other's homes

Before agreeing to a swap:

• Visit the property in person
• Check the condition thoroughly
• Make sure it suits your household size
• Confirm the rent level and any service charges

Remember, you accept the property in the condition you see it.

Step 3 - apply for permission

Once you have found a match:

Both tenants must submit a mutual exchange application to their landlords.

The landlords will exchange references and carry out: 

• Tenancy checks (for example your rent account)
• Property inspections

Your landlord must provide a written decision within 6 weeks/42 days

Do not move until you receive written approval.

Step 4 - complete the paperwork

If the exchange is approved:

• Your landlord will prepare the legal paperwork.
• You must sign your new tenancy (Deed of Assignment) before moving.
•  A move-in date will be agreed between all parties.

Important things to remember

• Do not exchange keys or move without written permission – it can lead to eviction
• You must not offer or accept any payment for the exchange – this is illegal
• Clear any rent arrears before applying
• Start planning early – book removal services, notify utility companies, update your address.

If you need assistance or guidance through the process, please contact your tenancy management team, who will be happy to support you.