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Mutual exchange

What do I need to know about mutual exchange?

Are there too many people living at home without the room they need? Or is there too much space and somewhere smaller would suit you better? There are other tenants out there who might be looking for a different sized home and you could help while benefiting yourself too.

For tenants who are affected by the bedroom tax, we can offer a cash incentive of £1,000 if you downsize by mutually exchanging with someone who has the right sized home for you and who also lives in a Red Kite home. There must be no rent arrears – if there are, the £1,000 incentive will be paid towards them so that the exchange can happen. 

We want the process of moving home to be as simple as possible for you, so we recommend that you follow these steps to make sure that you have done everything you can before you move:

Firstly, if you have already swapped into your current home, then you need to have been living there for a minimum of 12 months before you can re-apply for another exchange.

Pay off any outstanding arrears and other debts owed – mutual exchanges are unlikely to happen if you owe rent or other debts like court costs or recharges, because the person you swap with has to agree to take on your arrears, which may affect whether they want to go ahead with the swap or not.

Let us know if you want to mutually exchange – contact our Relationships Team on 01494 476100 and give them the details of the type of home you are looking for. One of our Relationship Advisers will talk you through the mutual exchange process using


Here are HomeSwappers top ten tips for a successful swap: HomeSwapper Top 10 tips
How to upload pictures on HomeSwapper: Add photos tenants

Finally, make sure your home is clean and tidy when you move out, with certain repairs carried out. We expect you give your home to a new tenant in a good condition which shows that you have looked after it, in line with this guide: Home Return Standard booklet. If you don’t, we will have to recharge you for any repair or removal work that we need to carry out.

Once you are in a position to be able to move, we will support you through this process.

This incentive scheme is open to anyone – whether you are affected by the bedroom tax or not – downsizing can help reduce rent payments and energy bills, along with many other benefits.

If you would like to mutual exchange, please complete this form: Mutual exchange application form

Once you have completed your form, send it back to us at

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Red Kite Community Housing, Windsor Court, Kingsmead Business Park, High Wycombe, HP11 1JU

Red Kite Community Housing is the trading name of Red Kite Community Housing Limited, a charitable registered society which operates for the benefit of the community under the Cooperative and Community Benefit Societies Act 2014, registered in England with the Financial Conduct Authority (registration number 31322R) and the Regulator of Social Housing (registration number 4682). VAT number 290 7410 06.