What a repo property actually costs.
Reserve prices look attractive until you add SARS transfer duty, conveyancing, bond registration and Deeds Office fees on top. This calculator surfaces the all-in number so a sheriff-sale bid doesn’t blow up at the attorney’s office.
Estimate only. Transfer duty is the SARS Budget 2024 scale (still in force). Conveyancing and bond-registration fees use the LPC recommended scale — actual fees vary by attorney. Confirm with the conveyancer the seller bank appoints before bidding at a sheriff sale.
Every cost line that hits between winning a bid and getting the keys.
SARS Transfer Duty
Government tax on the property transfer. Zero below R1.1m, then sliding scale up to 13% above R12.1m. The single biggest line for mid-priced properties.
Conveyancing fee
Paid to the attorney handling the property transfer at the Deeds Office. Roughly 1-2% of price, scaling down for higher-value properties. The seller bank appoints them.
Bond registration fee
Paid to the bond attorney (often a different attorney to the conveyancer) for registering the mortgage bond against the title deed. Based on the loan amount, not the price — so larger deposits cut this.
Deeds Office fee
Banded statutory fee paid to the Deeds Office to lodge the transfer documents. Ranges from R460 to R8,775 depending on price band.
Now find a property that fits your budget.
Browse fresh repossessed houses, sheriff auctions and land sales — every listing on RepoLens carries a verified-on date.