 As an existing home loan client, you have the opportunity to access additional funds from your home loan. Now the jargon makes it seem quite complex, but it actually isn't. There are essentially three ways. The first and easiest way is through a net revolve or access facility. What this means is that if you've paid more than your minimum monthly installment every month, or you've put lump sum payments into your bond, you can access these additional funds through what is called the access facility. This allows you to transfer those additional funds from your bond into a transactional account, for example a savings or a current account, and you can utilize those funds from there. The second way to go about accessing additional funds is through what is called a re-advance. A re-advance allows you to access the capital amount that you've already paid from your bond account. Please be aware that this kind of application does require a credit assessment, so the banks will usually ask you for an application form as well as the full supporting documents in order to assess. Lastly, customers can apply for a further loan. This will allow a customer to register a higher amount at the deed's office than what is currently registered. So for example, if I have a home loan that's registered for a million rand and I would like to access an additional 500,000, I would then request the bank for a 500,000 further loan amount, which will be registered as a total loan of 1.5 million at the deed's office.