Mutual Exchange

Mutual exchange enables you to swap your home with another resident living in a housing association or council-owned property. 

Before deciding on a mutual exchange please consider the following:

  • Your rent account must be up to date and there are no outstanding debts owed to your landlord. 
  • Your property is well maintained to a good standard
  • You are able to afford the moving costs

What is Homeswapper?

Homeswapper is a free national mutual exchange service that links together residents who are looking to swap their home. To register visit their website, (opens in new window).

What are the next steps?

  • Contact the resident directly to arrange a viewing of each other’s property
  • Look carefully at the property and think about whether you would be happy living there
  • If you choose to move, it will be your responsibility to carry out any cleaning or decorating
  • Check the type of tenancy you will be taking on
  • Ensure you can afford the rent amount at the new property, and any related moving costs.

Do I need to get Golding Homes's permission to exchange my home?

Yes, you will need to complete an application form which you can request by emailing

All residents wishing to exchange must complete the application form even if they are not a Golding Homes resident. If you have a joint tenancy, please ensure both residents sign the application form.

What happens once you receive my application?

As soon as we have received all relevant applications we will confirm this in writing to you. Once your application has been assessed we will arrange for a Maintenance Surveyor to view your property. During this visit, we will let you know if there are any issues you might be responsible for or repairs you will need to do before the exchange can proceed. 

If your exchange partner is not a Golding Homes resident, we will contact their landlord for a reference and send them a reference about your tenancy.

We will confirm our decision as quickly as we can but this may take up to 42 days from receipt of application.  

What reasons are there for refusing a mutual exchange?

  • If legal action has started, for example if a Court Order has been issued or a Notice Seeking Possession has been served
  • If the property is unsuitable for the household wanting to move in
  • If the property has been adapted for the current resident who has disabilities
  • If the property is within our sheltered accommodation and the exchange partner does not meet the housing for older people criteria
  • If the tenancy type prohibits a mutual exchange
  • If the property has been built under Section 106 scheme, where it can only be let to people with a local connection to the area

If we receive an application where there is an outstanding debt to Golding Homes, from a former or current tenancy, we will contact you to clear the debt. Once all outstanding costs have been cleared, we will proceed with the application. If you cannot clear the debt it may be necessary to cancel the mutual exchange process, and all involved parties will have to reapply.

We will write to you with our decision. There is no appeal process if your application is refused

Once I have the approval to exchange my property, what happens next?

You will be asked to sign a consent form confirming you wish to proceed. We will require receipt of electricity and gas certificates and an Energy Performance certificate. We will then contact all parties to arrange an appointment to sign the necessary paperwork.

If you withdraw from the mutual exchange after the above checks are carried out, you will be charged for these.