Work out the cash you need on top of the purchase price: transfer duty, the transfer attorney, the bond attorney and Deeds Office fees. Nothing is stored. No email needed.
Costs on top of the price
Estimated total
R0
plus your deposit of R0 = R0 cash needed
| Transfer duty (SARS) | |
| Transfer attorney (incl. VAT) | |
| Deeds Office — transfer | |
| Bond attorney (incl. VAT) | |
| Deeds Office — bond | |
| Attorney admin costs |
An estimate, not a quote. Attorney fees use the conveyancing fee guideline that applies from 1 July 2026 plus 15% VAT; it is a guideline, not a fixed tariff, so attorneys can charge more or less — ask for a written quote. Deeds Office fees are from the schedule in force from 1 April 2026. Transfer duty uses the SARS table for properties bought from 1 April 2026. Banks may also charge a bond initiation fee, and you'll need to budget for moving, rates and insurance.
Who pays what
| Cost | Usually paid by | When |
|---|---|---|
| Transfer duty | Buyer | Before transfer can be lodged |
| Transfer attorney fees | Buyer (seller chooses the attorney) | Before lodgement |
| Bond registration fees | Buyer (bank chooses the attorney) | Before lodgement |
| Bond cancellation on the old bond | Seller | On transfer |
| Rates clearance and compliance certificates | Seller | Before transfer |
Conveyancing fee guideline (from 1 July 2026, excl. VAT)
| Property or bond value | Recommended fee |
|---|---|
| R100,000 or less | R6,875 |
| R100,001 – R500,000 | R6,875 + R1,100 per R50,000 (or part) above R100,000 |
| R500,001 – R1,000,000 | R15,675 + R2,120 per R100,000 (or part) above R500,000 |
| R1,000,001 – R5,000,000 | R26,275 + R2,120 per R200,000 (or part) above R1,000,000 |
| Above R5,000,000 | R68,675 + R5,340 per R1,000,000 (or part) above R5,000,000 |
More: transfer duty explained, with examples · how much can I borrow?
Sources: SARS transfer duty rates; conveyancing fee guideline effective 1 July 2026; Deeds Registries fee schedule (Government Gazette 54225) effective 1 April 2026. How To South Africa is independent and does not refer you to attorneys. Last checked 9 October 2026.