Property tools

Bond & transfer cost calculators

Fast, practical estimates to help you budget — not a lender quote or a substitute for tailored legal advice.

Bond inputs

Home loan estimate

Numbers only, no R or commas — e.g. 1500000
Advanced options (fees, insurance, rate changes)
If unticked, the initiation fee is treated as an upfront cost.
Model a refinance or rate movement. We'll recalculate the instalment on the remaining balance when the rate changes.
Tip: change any value — results update instantly.
Disclaimer: Estimates only. Actual repayments depend on lender approval, product terms, rate changes, insurance requirements and bank-specific charges. This tool does not replace a formal quote or advice.
Bond results

Estimated repayment

Loan amount (price − deposit)
—
Amount financed
—
Upfront cash (deposit + upfront fees)
—
Monthly repayment now (excl. extras)
—
Monthly extras (service + insurance)
—
Monthly total (incl. extras)
—
Total repayment (incl. extras)
—
Total interest (on amount financed)
—
Loan-to-value (LTV)
—
Registrar of Deeds Fees
—
Other disbursements (VAT incl.)
—
Want a formal conveyancing quote?
Send us the property price, your deposit and whether you need a bond registered — we’ll revert with a clear fee breakdown.
Book a consultation Call our office
Transfer inputs

Transfer duty & conveyancing estimate

Numbers only, no R or commas — e.g. 1500000
Optional. If you’re registering a bond, we estimate bond registration fees too.
Tip: results update instantly as you type.
Notes: Transfer duty uses SARS 2026 rates (with effect from 1 April 2025). Conveyancing fees are estimates based on Law Society of South Africa guideline tariffs (fees are negotiable). This excludes items like rates clearance figures and municipal certificates.
Transfer results

Estimated transfer costs

Transfer duty
—
Transfer fee (excl. VAT)
—
VAT on transfer fee
—
Transfer fee (incl. VAT)
—
Registrar of Deeds Fees
—
Other disbursements (VAT incl.)
—
Estimated total transfer costs
—
Ready to proceed?
Use the consultation form below and select “Conveyancing / property” — we’ll confirm figures and timelines.
Request a conveyancing quote Call our office

Practical reality check: banks, municipalities and transaction structure can materially change costs — we’ll confirm everything on instruction.