Frequently Asked Questions
Answers about permanent house swaps, listing a property and preparing for an ownership exchange, for owners and independent legal advisors.
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Questions for Swappers
From publishing your property to choosing the right membership and preparing for a permanent exchange.
How do I prepare and publish my property listing?
Create a Property Owner account, sign in and open the property section of your dashboard. Choose Add Property, or Edit for an existing draft. Work through the editor's sections for your property, photographs, details and desired exchange.
Use a clear title, current photographs and an accurate description. Explain the property's condition, accommodation, approximate areas and anything a prospective exchange partner needs to investigate. Select the location suggested by the location selector. Do not place email addresses or phone numbers in the public description.
Review the preview before publishing. A draft is not a public listing. Publishing is subject to your membership's property allowance and the platform's conditions; permanent visibility or a successful match is not guaranteed. New Swapper accounts may publish up to two properties during one seven-day trial from registration. Paid membership is required to keep them published after the trial. Existing pre-activation Swappers keep their publishing rights without a new expiry. See current membership options.
How do similar-value, upgrade and downgrade swaps differ?
In a similar-value exchange, both owners consider properties with comparable agreed values. In an upgrade, one owner seeks a higher-value property and may need to fund a balancing payment. In a downgrade, the owner moving to the lower-value property may receive that difference.
For example, agreed values of €300,000 and €350,000 leave a €50,000 difference before transaction costs. This is an illustration, not a valuation or a financing offer. The owners must agree the values, how any difference is funded and the terms of both transfers with independent professional advice.
Even equal-value properties can involve taxes, legal fees, inspections and financing costs. Use the desired-property preferences to explain where and what you would consider, then compare both owners' interests. A listing or suggested counterpart is not a confirmed reciprocal match. We do not promise an automatic daily matching or notification service.
Which membership do I need to list properties and use messages?
New Swapper accounts receive one seven-day free trial from registration, with up to two published properties. After seven days, an active paid membership is required to keep properties publicly visible; descriptions and photographs remain saved if listings are hidden. Existing pre-activation Swappers retain their free publishing rights without a new expiry, including for later properties. Private Swapper costs €100 per year and allows up to two properties; Business Swapper costs €250 per year and allows up to five. Swapper prices include applicable taxes.
For new Swappers, sending, reading and replying to private member messages requires active paid access, including during the trial. An unpaid recipient may receive an interest notification but cannot read the private message or reply. Existing pre-activation messaging rights are preserved. Confirm the relevant membership conditions before relying on messaging to progress a swap.
Legal Advisor plans have separate publication and messaging conditions. See the membership comparison and Terms & Conditions for the current scope of each plan. Membership is access to platform features, not a guarantee of a match or transaction.
What costs, tax, insurance and mortgage questions should I prepare?
Prepare separate questions for each property: what costs arise on transfer, whether financing must be repaid or replaced, when insurance responsibility changes, and what taxes or reporting may apply. Ask for a written estimate and identify which owner would pay each item.
A permanent exchange does not itself remove taxes, mortgage restrictions or transaction costs. Do not assume your current mortgage or insurance can transfer to the other property. The answers depend on the properties, countries, lenders and your circumstances. Obtain advice from appropriately qualified independent professionals before making a binding commitment; PropertySwap does not give individual legal, tax, insurance or lending advice.
What makes a property description useful to another owner?
Separate what you offer from what you want. For the offered property, describe the accommodation, layout, outdoor space, condition, approximate areas and important limitations. Label estimates and explain any uncertainty. Use your own current photographs and information you have the right to publish.
For the desired exchange, identify acceptable locations and property types, a realistic value range, timing, and any essential requirements. Distinguish essentials from preferences. A short slogan such as 'dream home' does not tell another owner whether there is a two-way fit.
Do not invent missing details, copy another listing or hide known issues. PropertySwap may improve presentation while preserving the facts and remove phone numbers and email addresses from descriptions under its editorial conditions. Keep private documents and precise account information out of public text.
How can I assess whether there is a two-way match?
Compare the locations, property types, approximate values, condition and timing in both directions. Your interest in another home is not enough: its owner must also be interested in yours and in the proposed terms. Identify essential requirements before discussing details.
Prepare a short comparison: what each owner offers, what each needs, which facts remain unconfirmed and what professional checks would follow. Discuss any value difference separately from taxes and other costs. Do not treat a favourite, a listing status or an initial reply as acceptance of an exchange.
Use the property portfolio and the owners' stated preferences as a starting point. The platform does not guarantee compatibility, availability or completion.
How can I reduce the risk of a fraudulent property proposal?
Be cautious about pressure to act urgently, promises that bypass normal checks, requests for account passwords, or requests to pay before the parties and property have been independently checked. A polished listing or message is not proof of ownership or authority.
Keep initial enquiries within the platform, do not put sensitive documents in public descriptions, and involve your own appropriately qualified professionals before signing or transferring funds. Verify payment instructions through a separate trusted channel with the professional handling the transaction.
If something appears suspicious, stop the discussion and use the PropertySwap contact form to report the listing reference and your concern. Do not include passwords or bank credentials. Reporting a concern is not a guarantee that funds can be recovered.
Questions for Legal Advisors
How advisors join the network, present their expertise and support owners through two coordinated purchases.
How can I choose an independent legal or tax advisor?
Browse the legal advisor directory for a firm whose stated jurisdiction and services fit the property. Check the professional's qualifications, registration, relevant experience, language, availability and any conflict of interest directly. Agree the scope of work and fees before engagement.
A directory profile is not an endorsement or proof that a firm is qualified for every type of exchange. If your jurisdiction is not represented, you can contact PropertySwap about directory coverage, but availability of a suitable professional cannot be guaranteed. Each owner should have independent representation appropriate to their situation.
What should advisors coordinate on a cross-border exchange?
Clarify which professional is responsible for each property and jurisdiction. Agree how the parties will share necessary documents securely, resolve language or translation needs, and coordinate the proposed timetable. The owners should understand what happens if either transfer cannot complete.
Professional networks can help identify local expertise, but membership of a network is not proof of competence in another jurisdiction. Confirm qualifications, conflicts, engagement terms and responsibility directly. Avoid sharing client documents or confidential information through public listing descriptions. PropertySwap connects participants; it does not supervise the legal work or guarantee its outcome.
What does an independent advisor need to investigate?
Discuss the scope of investigation before relying on a listing. Questions can include ownership and authority to transfer, relevant restrictions or charges, the property's recorded status, the proposed contracts, financing conditions and coordination of completion. Appropriate inspections and valuations may need separate specialists.
The required checks and professionals differ by jurisdiction and property. A profile, photograph or platform conversation is not verification of title, planning status, condition, value or the other participant's identity. Professional advice helps owners assess risks; it cannot guarantee that an exchange is safe or successful.
What should a Legal Advisor include in a professional profile?
Describe the firm, office location, jurisdictions served, languages and services relevant to property exchange. State qualifications and experience accurately, and keep the information current. Do not imply a professional registration, specialism or branch office that you cannot substantiate.
Creating a profile does not automatically publish it or create separate colleague accounts. Check the available dashboard fields and your membership conditions; do not share your password with colleagues. Contact support if you need clarification about an account or firm arrangement rather than assuming additional access is included.
When is a Legal Advisor profile published, and what does membership cost?
Legal advisors can create their profile and explore the workspace during a one-month free trial. A trial profile is not published in the public directory. Publication normally requires an active paid Professional Advisor membership, costing €250 per year excluding VAT. VAT is applied where legally required and shown at checkout.
The existing specifically authorised early-bird publication exceptions remain separate. Directory visibility does not itself grant member messaging: sending and reading member messages requires active paid access. See Legal Advisor memberships and the Terms & Conditions.

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