Transfers and exchanges


If you want to move to another one of our properties (called a transfer) you must:

  • Keep your existing home in an acceptable condition;
  • Hold an assured or fixed term tenancy;
  • Register with us for a transfer.

We offer 25% of our available properties to existing residents who are registered for transfer. To move to one of these, you will need to express an interest through the Choice Based Lettings scheme (see more information below).

We will not allow the transfer if you have:

  • Rent arrears or housing related debt with us;
  • Not kept to an agreement to pay for the past three months.

You will be able to keep your original application date but it will remain suspended until we can confirm that:

  • Your debt with us is clear;
  • You have kept to a regular payment agreement for the previous three months.

Residents with active applications for transfer will be suspended as and when they come to the top of a shortlist for a property.

To register you will need to complete the housing transfer form online. Alternatively, download, complete and post the housing transfer form[pdf] or contact us to request a copy be posted to you. The information you provide will allow us to apply an appropriate priority (called a banding number) and size of property you would be eligible for.

Residents will be assessed according to their housing need. See our Allocations and lettings policy[pdf] or the Allocating homes leaflet[pdf] 2MB for more information on how we prioritise housing need and allocate homes.

Please note that you must keep your home in good repair as any offer of alternative accommodation will be subject to a property inspection.


Choice Based Lettings

Your transfer application will be dealt with under the choice based lettings scheme, which gives you more choice about where you live.

Properties available, or coming soon, are advertised on the HomeOption website and magazine. Instead of being allocated a property, you must express an interest in a property you like, which is suitable for your needs.

For more information about how to express an interest, see the HomeOption website or contact us.


Mutual exchange

The country is now taking positive steps out of coronavirus lockdown with the Government’s four step roadmap for easing restrictions. Now that we have this clarity we can update you on our plans for restarting our mutual exchanges.

When the country went back into lockdown In January 2021 we placed a temporary hold on mutual exchanges. This was to protect the safety of our customers and employees. With lockdown restrictions easing we are starting to review existing mutual exchange applications from Monday 12 April. Once reviewed, we will be able to restart the process for those customers wishing to move via exchange. Property inspections will still be completed remotely where possible via video call, and all gas and electric checks will be carried out with COVID-secure procedures in place. Customers will be asked to vacate the property while this is completed.

We have a high number of existing exchange applications to process and we want to make sure we are able to progress these as quickly as possible. We therefore ask that you wait for us to contact you before enquiring about any existing applications for exchange. However, if there is a reason your mutual exchange needs to be carried out urgently (such as a risk to your safety) please contact us and we may be able to process this sooner.


A mutual exchange can be a faster way of finding a new home than applying for a transfer, especially if your transfer application is assessed as having a low priority. A mutual exchange is when you exchange your home with another housing association (including us) or council tenant.

To be eligible, all households must hold an assured or secure tenancy. Pursuing a mutual exchange will not affect an application to transfer and it will increase your chances of moving.

To start the process you need to find a suitable household to exchange with. You can ask us if we are aware of any other households who want to exchange as well as spread the word yourself. You can also subscribe to Home Swapper.

Once you have found a mutual exchange partner you will need to complete and submit the mutual exchange application form online. Alternatively download, complete and post the mutual exchange application form[pdf] or contact us to request a copy be posted to you.

If you would like assistance you can contact our customer service advisers on 0300 555 0500, email or visit our head office: Myriad House, 33 Springfield Lyons Approach, Chelmsford, Essex, CM2 5LB (open Mondays and Fridays, 9.00am to 5.00pm).

For more information on all your housing options please refer to Your housing options leaflet[pdf] 1MB.