Various modifications can be made to bonds after they have been issued. Sometimes it can be an advantageous option to transfer a loan with you to a new property that is being purchased, and taking over older loans from the Housing and Infrastructure Agency can also be an advantageous option, especially if their terms are good and the credit period has passed.

Please note that all modifications of loans must be registered and in some cases the approval of the subsequent mortgagee and possibly a credit rating is required.