Tools & advice
The sums every buyer, seller and landlord needs, with the rates dated so you know they are current.
Banks usually lend so that the bond is no more than about 30% of gross income. This shows what that buys at today’s prime rate.
- Deposit
- Transfer duty (SARS)
Sample Area averages are sample figures. For a real number, ask a local agent for a free valuation.
Prime is 10.75% as at 25 September 2026. Transfer duty per the SARS table effective 1 April 2026. Income needed assumes the bond is 30% of gross income, the usual bank guideline. An estimate to plan with, not a bond offer.
Guides
Buying your first home in South AfricaRead
Get pre-approved before you start viewing, so you know what a bank will lend. Budget for transfer duty and attorney fees on top of the price; they are paid in cash, not from the bond. For sectional title, ask for the levy and the latest body corporate statements before you offer.
How to price your property to sellRead
Compare recent sales in your suburb, not asking prices: an asking price is a hope, a sale is a fact. Homes priced too high sit longer, and a listing that has sat for months usually sells for less in the end than one priced right from the start.
What to check before signing a leaseRead
Do an ingoing inspection with the landlord and keep the list with photos. Confirm in writing who pays for water and electricity. Your deposit must be kept in an interest-bearing account, and the interest is yours.
Solar and backup power: what adds valueRead
A properly installed inverter and battery system is one of the most asked-for features. Ask for the electrical certificate of compliance that covers it and the installer’s warranty. A “solar ready” house has wiring, not panels.
Area guides Sample
George
Western Cape
Nearby schools: York High School, Outeniqua High School, Glenwood House
View allDurbanville
Western Cape
Nearby schools: Durbanville High School, Fairmont High School
View allPotchefstroom
North West
Nearby schools: Potchefstroom High School for Boys, Hoërskool Gimnasium
View allCape Town
Western Cape
Centurion
Gauteng
Nearby schools: Hoërskool Centurion, Hoërskool Zwartkop
View allPlettenberg Bay
Western Cape
Nearby schools: Plettenberg Bay Secondary School
View allGroot Brakrivier
Western Cape
Scottburgh
KwaZulu-Natal
Nearby schools: Scottburgh High School
View allGqeberha
Eastern Cape
Nearby schools: Pearson High School
View all