Transfer Cost Calculator
Plan the cash you need to buy property in South Africa, including estimated transfer duty, conveyancing and bond registration costs.
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Adjust the figures below for an indicative estimate. Your result updates as you type.
Estimated transfer and registration costs
R 88 851
An indicative estimate only. Final costs depend on the transaction, attorney tariff and the applicable SARS thresholds.
What makes up your transfer costs
Your upfront costs are made up of separate government, legal, registration and lender charges. The estimates below show what each fee is for.
Property transfer
R 48 228Transfer duty (SARS)R 8 700
Government tax on the purchase price. No duty is payable up to R1 210 000.
Transferring attorney feeR 30 500
Conveyancer appointed by the seller to transfer ownership into your name.
VAT on attorney feeR 4 575
15% VAT charged on the conveyancer's professional fee.
Deeds Office registration feeR 1 853
Statutory fee to register the new title deed, based on the purchase price.
Transfer sundries and disbursementsR 2 600
Rates clearance, FICA, deeds searches, postage, petties and electronic document fees.
Bond registration
R 40 623Bond attorney feeR 26 550
Conveyancer appointed by the bank to register your mortgage bond.
VAT on bond attorney feeR 3 983
15% VAT on the bond registration professional fee.
Deeds Office bond registration feeR 1 853
Statutory fee to register the bond over the property, based on the bond amount.
Bank initiation feeR 6 037
Once-off lender fee to open the home loan account. Often added to the loan.
Bond sundries and disbursementsR 2 200
FICA, deeds searches, document generation and postage on the bond side.
Transfer duty at a glance
Estimated SARS transfer duty: R 8 700. Transfer duty is calculated on a sliding scale and is separate from the conveyancer’s fees. VAT is generally charged on professional and administrative fees, not on transfer duty.
Make your next property decision with confidence
- Budget for transfer duty and conveyancing
- Estimate bond registration costs
- Understand your upfront cash requirement before making an offer
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