EVERYDAY PROPERTY TOOLS

Property calculators

Enter your figures. See the estimate and the assumptions behind it.

1Loan details

Property price (R) *Deposit (R) *Annual interest rate (%) *Defaults to live SARB prime when available. Replace it with your bank’s offered rate.Term (years) *

Checking SARB’s latest prime rate…

SARB source ↗

Prime is a reference rate. Your bank may offer a higher or lower rate. Monthly repayments below exclude fees and insurance.

1Purchase & bond

For an individual’s new ordinary purchase of one whole property in South Africa. This is a cost estimate; attorneys’ fees are negotiable.

Purchase price, including VAT if applicable (R) *Amount to be registered as a bond (R) *Use 0 for a cash purchase. Enter the actual registered amount if it differs from the loan.Tax treatment of this saleChoose VAT only when the sale qualifies. The price above must already include VAT.

Enter complete attorney quote totals

Have attorney quotations? Enter each document’s full VAT-inclusive total. This replaces that calculated subtotal, so duty, VAT and registration charges are not added twice. Use the bond attorney’s registration total excluding bank initiation; the bank charge is shown separately. Blank = use the calculator’s estimate.

Complete transfer quote, including VAT (R)Total from the transfer quotation, including its duty, fees and other charges.Complete bond-registration quote, including VAT (R)Total from the bond attorney’s quotation. Exclude bank initiation if it is already included.

Adjust individual fees & other charges

Use these adjustments when you have not entered a complete quote above. Blank attorney fees use the LSSA guideline. Bank initiation is separate and uses the NCA cap plus VAT as an allowance. Other charges are included only when entered. R0 means a confirmed waiver, not the automatic estimate. Quoted professional fees must exclude VAT, duty and Deeds Office charges.

Transfer attorney fee, excluding VAT (R)Professional fee only. Blank = LSSA guideline. R0 = fee waived.Bond attorney fee, excluding VAT (R)Professional fee only. Blank = LSSA guideline. R0 = fee waived.Other transfer charges, including VAT (R)For example quoted FICA, searches, software and postage. Blank = not included.Other bond charges, including VAT (R)Quoted extras, excluding the professional fee and Deeds Office charges. Blank = not included.Bank initiation quote, including VAT (R)Blank = NCA mortgage cap allowance, up to R6 037.50. Your bank may charge less.Is the transfer attorney VAT registered?Is the bond attorney VAT registered?Higher value for duty / Deeds Office, if applicable (R)Optional. Use a higher value confirmed by your conveyancer; otherwise the purchase price is used. On a VAT sale the LSSA attorney scale still uses the VAT-inclusive purchase price.

Tables, sources & what is included

SARS scale: effective 1 April 2025, unchanged for 2026/27. LSSA attorney guideline: effective 1 July 2026, excluding VAT. Deeds Office: Gazette 54225 / Notice 7180 (2026). Tables checked 13 October 2026.

One transfer deed and one mortgage bond, if applicable, each with a R52 lodgement charge. No VAT is added to duty or government registration charges. The subtotal excludes the deposit, unentered extras, insurance, seller bond cancellation, rates/levy adjustments and special transactions. A bank may finance some charges instead of requiring cash upfront.

SARS · LSSA guideline · Deeds Office gazette · NCA fee limits · 2026 bank pricing example

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Property calculators

1Loan details

1Purchase & bond

1Your agreed commission