Two piggy banks, one blue, one pink, swap homes. Captioned: Mutual Exchange How to swap homes with someone else

Mutual Exchange Guarantee

We recognise that your housing needs may change over time and the accommodation that was once suitable for your needs may no longer be practical. We realise that there may come a time when you need to move on and to accommodate this we provide a range of options to assist you with moving.


How To Find An Exchange

  • Advertise in a shop window or newspaper
  • Ask your local Council Offices to look at their mutual exchange register, as you can exchange with a council or Housing Association resident
  • Register with exchange websites HomeSwapper and House Exchange. They are both free of charge for our residents.


What To Do Once You Have Found Someone To Swap With

Telephone us for more information on 0300 304 5000, or download and complete the Initial request for Mutual Exchange form.pdf [pdf] 163KB. Once you have completed the form, simply email it back to us.


Our Guarantee

To ensure the mutual exchange service we provide is of a high standard, we will:

  • Ensure that the appropriate forms are available on our website.
  • Post the forms within two working days of your request if you cannot access the internet.
  • Ensure that our staff are trained and knowledgeable on the options available.
  • Ensure that someone will be available to help you during office opening hours.
  • When we receive your application, we will advise you of any immediate observations which may stop your exchange from proceeding. For example, if we find that a property is too large or small for the household you are hoping to exchange with.
  • Once we have received your application form we will arrange with you a convenient time to inspect your current home.
  • When we inspect your property, we will advise you of any works we require you to undertake as a condition of the exchange.
  • We will only exchange information with the other landlord that is relevant to the mutual exchange.
  • We will consider all household's requests to swap and write to you with our decision. If your application is not successful, we will explain to you why this is.
  • Where we refuse an exchange, we will tell you how you can appeal if you are unhappy with our decision.


Other Information You Should Know

  • The mutual exchange process is a legal one. Estuary has a legal obligation to give you a decision in writing within 42 days from receipt of the application forms and all relevant documents
  • As part of this process, an affordability assessment will be carried out on any applicant who will become an Estuary Housing Association tenant. This will be done if you are an exisitng Estaury tenant, or are new to us
  • When a tenant is new to us, a credit reference will also be completed on anyone who will become a tenant
  • Where we feel the property is unaffordable or there is a significantly poor credit history, the exchange will be refused
  • We cannot accept responsibility or take any action if any party to an exchange changes their mind at any time before moving. We also cannot accept responsibility for any damage caused that you were not aware of in the home you are moving to, even if this is an Estuary Housing Association property.


Your Responsibility

You should remember that your rent account needs to be up to date and that there are no outstanding repairs (including damage) that are your responsibility. If you do have arrears or have damaged your home, your mutual exchange is likely to be refused.

You must not move without getting the written permission of all landlords involved in the exchange and the signing of the tenancy documents. It is illegal to offer money or goods to someone to secure an exchange.


Useful Contacts

There are now lots of dedicated websites for mutual exchanges, inlcuding Facebook. As with any website, please ensure your safety. Estuary cannot take any responsibility for the accuracy of the information on these sites. You are responsible for any registration fees, with the exception of HomeSwapper or House Exchange. You can use these free of charge because we subscribe to them. Please note that their links will open into a new window.