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  1. Home
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  3. ·Conveyancing calculator

Property costs

Conveyancing cost calculator

Indicative South African transfer, bond registration, and repayment estimates with line items for statutory fees, professional fees, VAT, deeds office charges, and configurable disbursements.

This calculator is an estimate only. It uses the public rate set shown below and cannot confirm PGH internal tariffs, bank-specific charges, municipal clearance figures, levy clearance figures, sectional-title charges, correspondent fees, urgency charges, or transaction-specific instructions. Request a formal written quote before relying on a figure.

Transfer estimate

Transfer, duty, VAT, deeds, and disbursements

Conveyancing professional fee

Basis
Calculated against the LSSA 2025 conveyancing guideline table unless PGH confirms a different written tariff.
Amount
R 31 520,00

VAT on professional fee

Basis
Tax
Amount
R 4 728,00

Transfer duty

Basis
SARS sliding-scale transfer duty for non-VAT property acquisitions.
Amount
R 8 700,00

Property VAT

Basis
No property VAT is included for a transfer-duty transaction.
Amount
R 0,00

Deeds office transfer fee

Basis
Statutory fee
Amount
R 1 738,00

Deeds office lodgement fee

Basis
Statutory fee
Amount
R 52,00

Postages and petties

Basis
Configurable disbursement
Amount
R 950,00

Electronic document or platform fee

Basis
Configurable disbursement
Amount
R 690,00

FICA and onboarding fee

Basis
Configurable disbursement
Amount
R 360,00

Clearance certificate administration

Basis
Configurable disbursement
Amount
R 950,00
Line item breakdown
ItemBasisAmount
Conveyancing professional feeCalculated against the LSSA 2025 conveyancing guideline table unless PGH confirms a different written tariff.R 31 520,00
VAT on professional feeTaxR 4 728,00
Transfer dutySARS sliding-scale transfer duty for non-VAT property acquisitions.R 8 700,00
Property VATNo property VAT is included for a transfer-duty transaction.R 0,00
Deeds office transfer feeStatutory feeR 1 738,00
Deeds office lodgement feeStatutory feeR 52,00
Postages and pettiesConfigurable disbursementR 950,00
Electronic document or platform feeConfigurable disbursementR 690,00
FICA and onboarding feeConfigurable disbursementR 360,00
Clearance certificate administrationConfigurable disbursementR 950,00
Transfer cost estimate
R 49 688,00
Purchase price
R 1 500 000,00
Estimated cash required
R 1 549 688,00
Rate set
za-conveyancing-2026-04-01

Bond registration estimate

Bond attorney, deeds, bank, and onboarding costs

Bond registration professional fee

Basis
Calculated against the LSSA 2025 mortgage-bond guideline table unless PGH confirms a different written tariff.
Amount
R 25 370,00

VAT on professional fee

Basis
Tax
Amount
R 3 805,50

Deeds office bond registration fee

Basis
Statutory fee
Amount
R 1 546,00

Deeds office lodgement fee

Basis
Statutory fee
Amount
R 52,00

Postages and petties

Basis
Configurable disbursement
Amount
R 750,00

Electronic document or platform fee

Basis
Configurable disbursement
Amount
R 690,00

Bank instruction or administration fee

Basis
Configurable disbursement
Amount
R 995,00

FICA and onboarding fee

Basis
Configurable disbursement
Amount
R 360,00
Line item breakdown
ItemBasisAmount
Bond registration professional feeCalculated against the LSSA 2025 mortgage-bond guideline table unless PGH confirms a different written tariff.R 25 370,00
VAT on professional feeTaxR 3 805,50
Deeds office bond registration feeStatutory feeR 1 546,00
Deeds office lodgement feeStatutory feeR 52,00
Postages and pettiesConfigurable disbursementR 750,00
Electronic document or platform feeConfigurable disbursementR 690,00
Bank instruction or administration feeConfigurable disbursementR 995,00
FICA and onboarding feeConfigurable disbursementR 360,00
Bond registration cost
R 33 568,50
Bond amount
R 1 000 000,00
Cash required for bond costs
R 33 568,50
Rate set
za-conveyancing-2026-04-01

Bond repayment estimate

Monthly, increased-payment, and lump-sum scenarios

Monthly payment
R 9 816,43
Payoff months
240
Loan end month
2046-05
Total interest
R 1 355 944,13
Interest saved
R 0,00

Rate governance

Versioned rates and review metadata

Results expose the active rate-set version. Statutory source changes should be reviewed before live calculations are changed, because legal cost estimates must not silently drift when SARS, the deeds office, VAT, or professional-fee guidance changes.

Transfer Duty rates, 2027 year

Effective
2026-04-01
Last checked
2026-05-19
Publisher
South African Revenue Service

Value-Added Tax standard and zero-rate context

Effective
2018-04-01
Last checked
2026-05-19
Publisher
South African Revenue Service

Government Gazette 54225, Notice 7180, Schedule of Fees of Office

Effective
2026-04-01
Last checked
2026-05-19
Publisher
Department of Agriculture, Land Reform and Rural Development

Conveyancing Fee Guidelines 2025

Effective
2025-08-01
Last checked
2026-05-19
Publisher
Law Society of South Africa

Money and Banking statistical tables, prime lending rate

Effective
2025-11-21
Last checked
2026-05-19
Publisher
South African Reserve Bank
Rate source table
SourceEffectiveLast checkedPublisher
Transfer Duty rates, 2027 year2026-04-012026-05-19South African Revenue Service
Value-Added Tax standard and zero-rate context2018-04-012026-05-19South African Revenue Service
Government Gazette 54225, Notice 7180, Schedule of Fees of Office2026-04-012026-05-19Department of Agriculture, Land Reform and Rural Development
Conveyancing Fee Guidelines 20252025-08-012026-05-19Law Society of South Africa
Money and Banking statistical tables, prime lending rate2025-11-212026-05-19South African Reserve Bank

Active version

za-conveyancing-2026-04-01

Effective from 2026-04-01. Last checked 2026-05-19.

Request a formal quote