PropReady-iKhayalami | Your Home. Ready.

One of the biggest mistakes first-time buyers make is not budgeting for the "hidden" costs of buying a property. These costs must be paid in cash to the attorneys before the property can be registered.

Cost Calculator

Purchase Price

Transfer Duty (Tax)

Exempt

Transfer Attorney Fees

± R 0

Bond Registration Costs

± R 0

Total Extra Cash Needed

R 0

Estimates are based on 2026 tax tables and standard recommended attorney tariffs. Actual attorney fees may vary by firm. Bond costs assume a 100% bond.

1. The Three Main Costs

Transfer Duty

A government tax paid to SARS. It is based on the value of the property.

Transfer Fees

Paid to the Transfer Attorney for their legal work in transferring the property to your name.

Bond Costs

Paid to the Bond Attorney for registering your bond with the Deeds Office.

2. Estimated Cost Breakdown

Here is a rough estimate of what you can expect to pay based on the purchase price (assuming a 100% bond):

Purchase Price	Transfer Duty	Attorney Fees*	Total Extra Cash
R 750,000	R 0 (Exempt)	± R 38,000	± R 38,000
R 1,000,000	R 0 (Exempt)	± R 45,000	± R 45,000
R 1,500,000	R 11,700	± R 55,000	± R 66,700
R 2,000,000	R 45,375	± R 65,000	± R 110,375
R 3,000,000	R 128,750	± R 85,000	± R 213,750
R 4,000,000	R 237,600	± R 95,000	± R 332,600
R 5,000,000	R 347,600	± R 105,000	± R 452,600
R 7,500,000	R 622,600	± R 125,000	± R 747,600
R 10,000,000	R 897,600	± R 140,000	± R 1,037,600

* Attorney fees are estimates and include VAT, deeds office levies, and other disbursements. They vary by firm.

Important Note

Banks rarely lend you money for these costs. You usually need to have this cash available in your savings account before the transaction can proceed.

Transfer & Hidden Costs