What will buying cost me upfront?
Transfer & bond costs calculator
Transfer duty, attorney and Deeds Office fees — the cash you need on top of your deposit.
Prime 10.75% · 25 September 2026
R
R
Set to zero for a cash purchase.
Total once-off costs
R 91 771
5.1% of the purchase price, paid on top of your deposit
Deposit
R 180k
Transfer duty
R 22k
Cash needed upfront
R 272k
Deposit + all costs
- Transfer costs · 59%
- R 54 536
- Bond costs · 41%
- R 37 235
| Transfer costs | R 54 536 |
|---|---|
| Transfer duty (SARS) | R 21 786 |
| Conveyancer’s fee incl. VATEstimate | R 28 175 |
| Deeds Office registration | R 1 700 |
| Sundries incl. VATPostage, FICA, lodgement | R 2 875 |
| Bond registration costs | R 37 235 |
| Bond attorney’s fee incl. VATEstimate | R 26 622 |
| Deeds Office bond registration | R 1 700 |
| Bank initiation feeRegulated maximum | R 6 038 |
| Sundries incl. VAT | R 2 875 |
Transfer duty uses the SARS 2026/27 table. Attorney and Deeds Office fees are estimates based on typical guideline tariffs — your conveyancer’s quote is final. Excludes rates clearance, levy clearance and compliance certificates.
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