Top 10 Mistakes to Avoid in a Mutual Exchange

A mutual exchange (or home swap) is one of the fastest ways for council and housing association tenants to move. But while it can be a brilliant option, many tenants make avoidable mistakes that slow the process down – or stop it completely.

Here are the top 10 mistakes to avoid in a mutual exchange so your move goes smoothly.

1. Not Checking Eligibility First

Not all tenants can exchange. If you’re on an introductory tenancy, have serious rent arrears, or your landlord has restrictions, you may not be allowed. Always confirm your eligibility before you start searching.

2. Ignoring Rent Arrears

One of the most common reasons swaps are refused is unpaid rent. If you owe money, clear it before applying – otherwise, you could waste time with potential swappers.

3. Overlooking Property Size Rules

Landlords won’t usually approve swaps if the new property is too small (overcrowding) or too big (under-occupation) for your household. Check the rules before committing.

4. Taking a Home “Sight Unseen”

Never agree to a swap without viewing the property in person. Remember, you take it “as seen” – landlords don’t redecorate or repair once you move in.

5. Hiding Problems With Your Home

Be upfront about repairs or issues. Tenants will find out anyway, and hiding problems creates disputes and delays. Honesty builds trust.

6. Not Applying to Your Landlord Early Enough

Some tenants wait until the last minute to tell their landlord. Don’t. Submit your application as soon as you’re serious about a swap – checks and inspections take time.

7. Forgetting About Bills and Utilities

Moving isn’t just about handing over keys. Notify utility companies, broadband providers, and the council tax office in advance to avoid extra charges or confusion.

8. Relying on One Swap Option

It’s easy to pin your hopes on one property, but if the other tenant pulls out, you’re back to square one. Keep advertising your home and talking to multiple swappers until contracts are signed.

9. Not Coordinating Move Dates Properly

In multi swaps especially, poor coordination can cause chaos on moving day. Confirm dates, book vans early, and keep everyone in the chain updated.

10. Underestimating the Stress of Moving

A mutual exchange can be faster than a transfer, but it’s still a big move. Plan ahead, declutter, and give yourself plenty of time to pack so you’re not overwhelmed.

Final Thoughts

Avoiding these common mistakes will make your mutual exchange smoother, quicker, and less stressful. The key is preparation: stay honest, organised, and flexible – and you’ll be in your new home before you know it.