Our expert says:
Family law expert
You can apply for a Substitution of Debtor on a joint bond. Section 57 of the Deeds Registries Act 47 of 1937 makes provision for substituting one mortgagor with another. It costs about 50% less than having to register a completely new bond. However, most banks hesitate to entertain "substitution of debtors" transactions. The reason for this is that they may worry that their security will be compromised if the mortgage bond document is merely changed to reflect the new mortgagor. Best would be to approach the bank with such a request, necesarily your fiance must also accept that he will be substituted.
The information provided does not constitute a diagnosis of your condition. You should consult a medical practitioner or other appropriate health care professional for a physical exmanication, diagnosis and formal
advice. Health24 and the expert accept no responsibility or liability for any damage or personal harm you may suffer resulting from making use of this content.