South African Property Buying Costs

South African Property Transfer Cost Calculator

Estimate the transfer duty, conveyancing fees, VAT and common registration-related costs involved when buying property in South Africa. Enter the purchase price below to receive an instant cost breakdown.

2026 Transfer-Duty Brackets Estimated Conveyancing Charges VAT Included Instant Cost Breakdown

Purchase Information

Property details

Enter the property purchase price. You can also adjust the estimated Deeds Office and administrative allowance.

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Transfer duty is generally calculated on the purchase price or dutiable value applicable to the transaction.

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Adjustable estimate for Deeds Office charges, searches, electronic instructions, postage and common disbursements.

The property transaction is subject to VAT Transfer duty is generally not payable where the property transaction itself is subject to VAT. Confirm this with the appointed conveyancer.

Estimated Buyer Costs

Estimated transfer cost breakdown

Estimate Only
Estimated total transfer costs R0

Excludes the purchase price, deposit, bond-registration costs, bank charges and transaction-specific expenses.

Transfer duty Calculated from the applicable South African transfer-duty brackets.
R0
Estimated conveyancing fee Guideline-based estimated professional fee before VAT.
R0
VAT on conveyancing fee Calculated at 15% on the estimated professional fee.
R0
Deeds Office and sundries Adjustable allowance entered in the calculator.
R0
Important exclusions

This calculator does not include bond-registration attorney fees, bank initiation fees, valuation fees, occupational rent, insurance, additional guarantees, complex legal work or other transaction-specific charges.

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Calculate the Costs of Buying Property in South Africa

Buying a home involves more than the agreed purchase price. A buyer may also need to budget for transfer duty, conveyancing attorney fees, VAT, Deeds Office charges and transaction-related disbursements.

This South African property transfer cost calculator provides an indicative breakdown based on the purchase price entered. Transfer duty is calculated separately from estimated conveyancing and registration costs so that buyers can better understand how the estimated total is made up.

The result is intended for early budgeting and property planning. Your appointed conveyancer must provide the final account because legal fees, disbursements and transaction requirements can differ from one purchase to another.

Planning to finance your purchase? Use the South African bond repayment calculator to estimate your monthly instalment. New buyers can also read the first-time home buyer guide before making an offer.

Understanding the Estimate

What Does the Transfer Cost Estimate Include?

Property transfer costs are made up of separate tax, legal and registration-related charges. The calculator groups the main estimated buyer costs into three categories.

01

Transfer Duty

Transfer duty is a tax payable to SARS on qualifying property transactions. The amount is determined using a sliding scale based on the property’s dutiable value.

02

Conveyancing Fees

The transferring attorney charges a professional fee for preparing, administering and registering the property transfer. Actual fees must be confirmed with the appointed conveyancer.

03

Deeds Office and Administrative Costs

Additional amounts can include Deeds Office fees, searches, certificates, electronic instruction charges, postage and related disbursements.

Continue Planning Your Property Purchase

Use the related property resources below or browse Crisna’s current listings across Amanzimtoti, Kingsburgh and surrounding South Coast areas.

Bond Repayment Calculator Estimate the monthly repayment on a South African home loan. First-Time Home Buyer Guide Understand affordability, offers, finance and transfer. Current Properties for Sale Browse Crisna’s current Property24 portfolio.

Property Transfer Cost Questions

No. Transfer duty is not payable below the applicable exemption threshold, and transactions subject to VAT may be treated differently. The conveyancer must confirm the tax treatment of the specific sale.
Transfer costs relate to transferring ownership of the property into the buyer’s name. Bond-registration costs relate to registering the buyer’s mortgage bond in favour of the bank. These are separate legal processes with separate attorney fees.
No. Bond-registration fees are separate from property-transfer costs and depend on the amount of the mortgage bond being registered.
This depends on the buyer’s finance approval and the bank’s lending terms. Buyers should not assume that transfer costs will be financed and should budget for them separately unless their bank or bond originator confirms otherwise.
Guideline fees are not fixed prices. The final account can differ because of the attorney’s agreed tariff, transaction complexity, extra documents, guarantees, searches, disbursements and other work.
The transferring attorney normally requests payment before lodgement and registration. The timing and amount will be confirmed in the attorney’s formal cost statement.

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