Terms of use

1. What SwapAnyHome is

SwapAnyHome is operated by TUFF Services Ltd (The Ultimate Finance Factory), company number 13570186. Registered office: Unit 1 Long Level, Carnforth, LA6 2HS. Contact: simon@tuffinvestments.com.

SwapAnyHome is an online platform where private homeowners list their homes, find buyers or homeowners who want to swap, and talk directly through in-app messages.

We are not an estate agent, solicitor or mortgage lender. We do not negotiate for you, hold deposits or carry out conveyancing. Your own independent solicitor or licensed conveyancer handles the legal work.

2. Your account

You must be 18 or over and give accurate details. Keep your login private. We may ask you to confirm your email, mobile number or identity before some actions, such as requesting viewings or publishing a listing.

3. Buyers use SwapAnyHome free

Buyers can browse listings and listing details and save homes free of charge. To message sellers, reply, make or negotiate offers and request viewings, a buyer needs a Cash Buyer membership: £5 a month, renewing monthly until cancelled. Cancelling stops renewal; access continues to the end of the paid period. Existing conversations stay readable after membership ends, and reporting or blocking is always free. Users with an active listing plan already have messaging and are not charged the membership. Membership is not an identity check or proof of funds; viewing checks (email, mobile and photo ID) still apply. Nobody is enrolled or charged automatically.

4. Listing plans for homeowners

Homeowners who list a property choose a monthly plan for each listed property: Standard £10 a month, Premium £15 a month or Gold £20 a month (prices include VAT if applicable — to be confirmed). Full plan terms are in the Seller terms.

Creating a draft listing is free. You are not charged until your listing has been approved and you complete secure checkout to publish it.

There is no completion fee and no commission on your sale or swap.

5. Using the platform fairly

Listings and messages must be honest, lawful and respectful. Do not post misleading details, contact details designed to avoid our safety checks, or anything discriminatory. We may hide content or suspend accounts that break these rules, and we will tell you why.

6. Our responsibility

We take reasonable care to run the platform well, but we do not check every listing and we cannot guarantee a sale, swap or match. Nothing in these terms limits liability that cannot be limited by law, or your statutory rights as a consumer.

7. Complaints and contact

If something goes wrong, use our Complaints page. We aim to reply within 5 working days. These terms are governed by the law of England and Wales.