Property Transfer Costs Calculator SA

Cash Home Loan (Bond)
Property Value R 2 000 000
Transfer Duty R 33 786
Total Transfer Costs R 80 179

1. Standard Transfer Costs

DescriptionAmount
Transfer Duty (no VAT)R 33 786
Conveyancing attorney fee (Incl. VAT)R 40 963
Deeds Office Fee (no VAT)R 1 738
Postage & Petties (Incl. VAT)R 1 150
Electronic Generation Fee (Incl. VAT)R 862
FICA (Incl. VAT)R 460
Deeds Office Searches (Incl. VAT)R 445
Rates Clearance Fees (Incl. VAT)R 775
Total Transfer CostsR 80 179
✅ Verified for 1 April 2026 SARS & Deeds Office Rates
Estimated Monthly Repayment: R 19 702
Based on prime rate (10.25%) over 20 years. Includes R69 monthly bank fee.
View special exemptions (Divorce & Inheritance)

1. Divorce Endorsements (Section 45bis)

If spouses are married in community of property, divorce, and the property is awarded to one party as part of a divorce order or settlement. Transfer duty is zero and the conveyancing attorney fee is reduced to 75% (R 30 722).

Estimated Total for Endorsement: R 36 152

If spouses are married with an antenuptial contract, and property transfers between them as part of a divorce order or settlement. Transfer duty is zero but the full conveyancing attorney fee is paid.
Estimated Total: R 46 393

2. Inheritance from Deceased Estate

DescriptionAmount
Transfer Duty (no VAT)R 0
Conveyancing attorney fee (Incl. VAT)R 40 963
Deeds Office Fee (no VAT)R 1 738
Postage & Petties (Incl. VAT)R 1 150
Electronic Generation Fee (Incl. VAT)R 862
FICA (Incl. VAT)R 460
Deeds Office Searches (Incl. VAT)R 445
Rates Clearance Fees (Incl. VAT)R 775
Section 42 Certificate FeeR 1 058
Total Transfer Costs EstimateR 47 451

These calculations do not cater for VAT vendors. The transfer duty estimates are based on the SARS transfer duty rates applicable from 1 April 2026. The conveyancing fees are as per the Law Society of South Africa guidelines effective from 1 August 2025. The Deeds Office fees are based on those published in the Government Gazette applicable from 1 April 2026 to 28 Feb 2027.

Please note that all values generated are estimates and may change. We encourage you to discuss these figures with your conveyancing attorney. For an official quote, please email info@transfermyproperty.co.za or us.

Total Transfer Costs: R 80 179
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