SA Transfer Duty & Bond Cost Calculator

2026/2027 Statutory Rates

SARS Transfer Duty • LPC Conveyancing Tariffs • Deeds Office Fees • Bond Repayments

South African Property Conveyancing & Mortgage Suite

Accurate Property Transfer & Bond Registration Costs

Avoid surprise closing shortfalls. Computes exact SARS Transfer Duty thresholds (exempt up to R1,100,000), recommended Legal Practice Council (LPC) conveyancing attorney tariffs + 15% VAT, and Deeds Office registry tiers.

Presets:

Purchase & Bond Parameters

R 1,850,000
R200k R5M R10M
R 185,000
R0 (100% Bond) R2.5M R5M

Deposit is 10.0% of purchase price.

Current Prime: 11.75%
SARS Exemption Rule: Properties priced up to R 1,100,000 carry zero SARS Transfer Duty. Attorney conveyancing and bond registration fees remain payable.
Estimated Monthly Bond Repayment
R 18,042.85

Principal loan of R 1,665,000 over 20 years at 11.75%.

SARS Transfer Duty
R 32,325.00
Transfer Legal Fees
R 36,150.00
Bond Legal Fees
R 33,850.00
Total Cash Upfront
R 287,325.00

Itemized South African Closing Cost Schedule

Statutory LPC & SARS

1. Property Transfer Costs

R 68,475.00
SARS Transfer Duty (2026/2027 statutory scale) R 32,325.00
Conveyancer Professional Fee (excl VAT) R 28,500.00
VAT on Conveyancer Fee (15%) R 4,275.00
Deeds Office Registration Fee (Transfer) R 1,575.00
Attorney Postages, Petties & FICA R 1,800.00

2. Bond Registration Costs

R 33,850.00
Bond Attorney Professional Fee (excl VAT) R 26,200.00
VAT on Bond Attorney Fee (15%) R 3,930.00
Deeds Office Registration Fee (Bond) R 1,575.00
Bond Attorney Postages & Petties R 2,145.00
Property Purchase Price R 1,850,000.00
Less Bank Loan / Bond Amount - R 1,665,000.00
Buyer Cash Deposit (payable upfront) R 185,000.00
Total Legal & Statutory Fees R 102,325.00
Total Cash Required Before Transfer R 287,325.00