• Mutual Exchanges

    Find out more about exchanging your Midland Heart home

Mutual Exchanges

In addition to bidding on our properties, another way you may be able to find a new home is by exchanging your current home with someone else.

If you’re already a secure, assured or fixed term tenant for either a local authority or housing association, mutual exchange means you may be able to “swap your home”.

This would usually mean that two tenants swap their homes, but it is possible to have several tenants involved in a multi way swap.

Please note: you must get your landlord’s permission before you exchange homes.

If you would like more information about mutual exchanges, you can browse the drop down information below.

Once you have found a swap, are you eligible to exchange?

You can apply for exchange properties if you:

  • have lived in your home for at least 12 months, and
  • are a secure tenant or an assured tenant of a Registered Social Landlord or local authority
  • are on a fixed term tenancy
  • are clear of any rent arrears

Your tenancy agreement will confirm what type of tenant you are.  If you are on a starter tenancy, you cannot exchange properties until you have passed your probationary period. This is usually after 12 months

  • Stage 1 – Expression of interest and initial assessment

    When you've found someone to swap with, the Midland Heart tenant will need to complete our online form to express their interest in beginning a Mutual exchange. We have 3 forms based on the type of exchange.

    Midland Heart to Midland Heart swap- this swap is between Midland heart tenants Click here to complete an online assessment. (please note only one applicant needs to complete this form)

    Midland Heart to Another Association- this swap is between a Midland heart and a different landlord or local authority. Click here to complete an online assessment.

    Multi Way Swap- this is a swap that involves 3 or more households. Click here to complete an online assessment.

    Once we’ve received the results, we contact all parties by the end of the following working day to carry out a telephone assessment.

  • Stage 2 - Exchanging references and assessment

    Once both applicants have passed the initial assessment, we will send out application forms. Fill in the exchange application form to give us your details and the details of the tenant you want to swap with.

    Once we've received your form, we'll send you an acknowledgement within five days. We'll need to carry out some additional checks before you can move - checks about you, your exchange partner and your homes - and discuss the application with your exchange partner’s landlord (if applicable). 

    Please note: it can take up to 42 days to complete these checks but we aim to complete them earlier.

  • Stage 3 - The exchange

    When everything has been agreed, we will arrange an appointment to sign the paperwork and we'll give you a date when you'll be able to move.