# Bond Switching & Selling Your Home

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You are not locked into one lender for the life of your bond. These guides explain bond switching — moving your home loan for a better rate — and what happens to your bond when you sell: the costs, the timelines, and the paperwork on both sides of the deal.

[Switching & selling](https://bond.co.za/guides/switching-and-selling)

[Bond switching in South Africa](https://bond.co.za/guides/bond-switching-south-africa)

How switching your bond to a new lender works, what it costs, and when the saving is actually worth it.

Updated 02 Sept 20267 min read

[Switching & selling](https://bond.co.za/guides/switching-and-selling)

[Bond cancellation process](https://bond.co.za/guides/bond-cancellation-process-south-africa)

The exact sequence for cancelling a bond in 2026 — the selling-vs-settling fork, the 90-day notice that avoids the early-termination charge, and every step from settlement figure to Deeds Office registration.

Updated 15 Oct 20267 min read

[Switching & selling](https://bond.co.za/guides/switching-and-selling)

[Selling with an outstanding bond](https://bond.co.za/guides/selling-house-outstanding-bond-south-africa)

Yes — you can sell a house while you still owe on the bond. The proceeds settle the bond on transfer, cancellation costs come off first, and the order of payouts decides what lands in your account.

Updated 09 Sept 20268 min read

[Switching & selling](https://bond.co.za/guides/switching-and-selling)

[Should I refinance my home loan?](https://bond.co.za/guides/should-i-refinance-my-home-loan)

How to decide whether refinancing your bond is worth it: the switching costs, the break-even formula, and a free calculator that estimates your monthly saving and break-even point.

Updated 13 Sept 20269 min read

[Switching & selling](https://bond.co.za/guides/switching-and-selling)

[Refinance a home loan in South Africa](https://bond.co.za/guides/refinance-home-loan-south-africa)

How to refinance a home loan in South Africa: the application steps, the switching costs, a worked break-even example at current prime, and when refinancing is worth it.

Updated 16 Oct 20268 min read

[Switching & selling](https://bond.co.za/guides/switching-and-selling)

[Second bond on a property in South Africa](https://bond.co.za/guides/second-bond)

What a second bond means in South Africa — a bond over a second property (typically a 10%–20% deposit) or raising money against your current home via access facility, re-advance or further bond — what each costs at today’s prime and how to qualify.

Updated 25 Oct 20269 min read

[Switching & selling](https://bond.co.za/guides/switching-and-selling)

[CGT on property](https://bond.co.za/guides/cgt-on-property-south-africa)

Selling a house? The first R3 000 000 of a primary-residence gain is excluded (2027 year of assessment). Current CGT rates, exclusions and worked examples, verified 15 October 2026.

Updated 15 Oct 20269 min read

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