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Change bond holder

Requesting a substitution of debtor to remove or replace a bond-holder on your joint home loan requires you to follow certain steps and provide specific documents.

Change bond holder

To remove or replace a bond-holder on your joint home loan, either following your divorce or your spouse’s passing away, you need to request a ‘substitution of debtor’.

Substitutions are processed as new loan applications, which will involve an affordability assessment.

You’ll need to hire an attorney to handle the deeds office process, and provide us with:

  • A completed substitution of debtor form
  • The final divorce order and consent papers, or the settlement agreement
  • Or the death certificate, letter of executorship or last will and testament

To request a substitution of debtor, you can apply online or call us on the number below.


Request a substitution
South Africa