What Fees Can I Expect To Pay? | SA Home Loans

8 April 2019

What Fees Can I Expect To Pay?

SA Home Loans’ property finance consultants offer amazing service and can guide you through all of the intricacies that accompany applying for a home bond in South Africa. Moreover, because our innovative bond products are flexible and uniquely tailored to our clients’ needs and financial situations, our property finance consultants are adept at providing information pertaining to your exact requirements.

This gives you the opportunity to focus on choosing the right property to make your home. Contact us on 0860 2 4 6 8 10 to apply for a bond or to receive information on what fees you can expect to pay when obtaining a house bond from us.

Typical home bond fees in South Africa

Transfer duties*

While some property bond fees are unique to certain types of home bond providers, transfer duty is universally required and payable to SARS if you are purchasing a home with a value greater than R1 100 000.

Value of the Property (R)


0-1 100 000


1 100 001 – 1 512 500

3% of the value above R1 100 000

1 512 501 – 2 117 500

R12 375 + 6% of the value above R1 512 500

2 117 501 – 2 722 500

R48 675 + 8% of the value above R2 117 500

2 722 501 – 12 100 000

R97 075 +11% of the value above R2 722 500


Transfer duties are calculated as a percentage of the cost of the home and are determined by the buyer’s legal status Legal entities, such as a company or trust, are required to pay 8% of the value of the property, while private buyers pay transfer duties on a sliding scale based on the value of the property:

Transfer duties above are applicable for the period 1 March 2022 – 28 February 2023.*

Note that if the property is being purchased from a developer, no transfer duty is payable. However, VAT will be payable on the purchase price.

Conveyancing costs / Transfer fees

While the conveyancing attorney is appointed by the seller, the buyer is responsible for the costs of the ‘Transfer fee’. This fee is payable to the transferring attorney for transferring the property into your name. As with the above fees, they are determined in an upward sliding scale in direct proportion to the cost of the properties being purchased. The calculated fee is required to be paid before or simultaneously with registration/transfer of the property.

Note that the R1 000 000 exemption does not apply to ‘transfer fees’, only to transfer duty.*

Bond registration fee

For the service of registering your bond at the Deeds Office, you are likely to be charged bond registration fees or attorney costs. These fees can vary and it is recommended that you consult a property finance consultant from SA Home Loans for information on exactly what bond registration fees you are required to pay when purchasing your home.

Your bank’s valuation fees

Owing to the introduction of the National Credit Act, banks no longer charge their clients valuation fees. Instead, this fee is now incorporated into the bank’s initiation fees.

Your bank’s initiation fees

The National Credit Act now allows finance providers to charge their customers up to R6 037.50 (R5 250+VAT) initiation fees.

SA Home Loans: trusted South African house bond provider

SA Home Loans takes pride in providing flexible bonds and amazing service. Unlike banks, which typically serve customers using set requirements, SA Home Loans offers a personal approach to home finance. Our bond options include innovative bonds that are tailored to the unique needs and risk profiles of our clients.

Use our bond calculator to discover what size bond you can afford with SA Home Loans. Or contact us on 0860 2 4 6 8 10 or request a Call me back for more information on the fees associated with purchasing a home.


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