Updated for the 2026/2027 tax year

Know the true cost of your South African home — before you sign.

BondCosts.co.za instantly calculates your monthly bond repayment, SARS transfer duty, conveyancing fees, bond registration costs and the total cash you’ll need in the bank — all based on the latest published tariffs.

Open full calculator How transfer costs work

SARS 2026/2027 Tables

Latest Transfer Duty brackets

NCA-Capped Fees

National Credit Act compliant

Law Society Scale

Conveyancing baselines

Deeds Office Schedule

Current registration fees

Combined Property Cost Calculator

Bond repayment, total cash required and full amortisation — updated live as you type.

Purchase priceR 1 500 000

Deposit (10%)R 150 000

Interest rate11.00%

Repayment term

New development from a VAT-registered builder? If yes, 15% VAT is already in the price and no Transfer Duty is payable.

Estimated monthly repayment

R 13 935

Bond amount: R 1 350 000Total cash needed: R 211 416

Capital (1st month)

R 1 560

Interest (1st month)

R 12 375

First instalment split

Capital 11%Interest 89%

Monthly repayment: R 13 935
Number of instalments: 240
Total interest over term: R 1 994 290
Total repaid over term: R 3 344 290

Please note: These results are simulations for guidance only, based on published 2026/2027 SARS, NCA, Law Society and Deeds Office tariffs. They do not constitute binding financial or legal advice. Confirm final figures with your attorney and bank.

Transfer Duty

A tax levied by SARS on the value of the property being transferred. It is progressive — properties under R1.21 million pay no duty at all.

Transfer Costs

The conveyancing attorney's professional fee for transferring ownership into your name, plus deeds office and sundry disbursements.

Bond Costs

The bank-appointed attorney's fee to register your mortgage bond, the once-off bank initiation fee and the deeds office bond fee.

Plan every step of your purchase

Buying property in South Africa involves several moving parts. Use these in-depth guides to understand exactly what you’re paying for and what to expect.

Full Bond Calculator

Deep-dive tool with monthly repayment, total cash required and a year-by-year amortisation schedule.

Transfer Costs Explained

Understand the difference between transfer duty (a SARS tax) and transfer costs (attorney fees) — and when VAT applies.

First-Time Buyer's Guide

From the Offer to Purchase and suspensive conditions to pre-qualification and registration at the Deeds Office.

Property Finance FAQ

Clear answers to the ten questions South African buyers ask most about bonds, costs and timelines.

Ready to make it real? Get pre-qualified.

Knowing your costs is step one. Step two is knowing how much a bank will actually lend you. A registered bond originator can submit a single application to all the major South African banks — ABSA, Standard Bank, Nedbank, FNB and others — and negotiate the best interest rate on your behalf, completely free of charge.

One application, multiple bank offers
Expert help negotiating your interest rate
No cost and no obligation to you

Get pre-qualified for your home loan

Compare offers from South Africa’s leading banks through a registered bond originator — at no cost to you.