My home loan is paid off, well before the end of the loan agreement. I am noticeing each month a deduction from the flexi reserve, i.e. each month the flexi reserve available is getting smaller and smaller. I've spoken to my bank ABSA and they recommend to keep the bond and have the bank to place the title deed in safe custody. However if I need cash, I would not be able to access the flexi reserve.

- What is the benefit of having the title deed in safe custody at the bank?
- What other options are available to me, if I want to keep access to the flexi reserve?