Various changes can be made to bonds after they have been issued. Sometimes it can be an advantageous option to transfer a loan to a new property that is being purchased, and assuming older loans from the Housing and Construction Authority can also be an advantageous option, especially if their terms are good and the remaining loan term is short.

Please note that all changes to loans must be notarised and in some cases the approval of the subsequent mortgagee is needed and possibly a credit rating is required.