Find out more about Mutual Exchange

Mutual exchange gives you more choice in chosing the size, type, and location of your home. It also gives you the opportunity to find a home that is suitable for the needs of you and your family.

If you consider swapping with someone outside of London, you may benefit from a cheaper cost of living.


Eligibility for mutual exchange

Anyone living in council or housing association accommodation can exchange their home subject to approval from both landlords.

You will not qualify for Mutual Exchange if you are the tenant of a private landlords, own your own home or own a share in your home (shared ownership).

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How to arrange a Mutual Exchange

A mutual exchange can be arranged independently. There is no formal application process if you do it this way. Both applicants' landlords will however need to give their approval. You should contact your landlord directly for more information.

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Tips for success at mutual exchange

The exchange is more likely to be successful if:

  • you try to be as flexible as possible about the area and type of property you consider to increase your chances of finding a suitable swap partner
  • if both parties are interested in an exchange, arrangements should be made for a mutually convenient time for a viewing
  • you make sure you know what kind of tenancy you will be taking on as there are differences between local authority and housing association tenancies. Your landlord will be able to advise you on this. Also check your rent.

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Things to remember to check

  • If you are interested in eventually buying the property, check you are able to as many housing associations homes cannot be bought buy tenants.
  • Make sure you can afford the removal expenses. If you are claiming income support, you could qualify for a social Fund loan from the Department for Work and Pensions (DWP).

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Important points to remember

If you:

  • give or receive money or goods to secure an exchange, you could be evicted and even fined
  • exchange without your landlord's permission, you could be evicted.

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Mutual exchange websites

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Mutual Exchange websites