KLK Property Tools

South African Property Calculator Suite

Practical calculators for buyers, sellers and estate agents: bond repayments, transfer costs, bond costs, commission, CGT estimates, price per square metre and affordability.

Bond Repayment Calculator

Estimate a buyer’s monthly home loan repayment.

Estimated monthly repaymentR0
Bond amountR0
Total amount repaidR0
Total interest paidR0
This is an estimate only and excludes bank-specific charges, insurance and approval conditions.

Transfer Cost Calculator

Estimate the main transfer cost items using the itemised structure you supplied.

If the seller is VAT registered and the transaction is subject to VAT, transfer duty is usually not added.
Transfer costsR0
Transfer Cost Details
Transfer Duty, non-vatableR0
Deeds Office Fee, non-vatableR0
Conveyancing Tariff Fee, vatableR0
Postage & Petties, vatableR0
Deeds Office Search Fee, vatableR0
Electronic Document Generation Fee, vatableR0
Your E‑Vault, vatableR0
VATR0
This calculation reflects the main cost items. Deeds Office fees use the official 2026/2027 Deeds Office scale. Conveyancing Tariff Fees use a LSSA guideline-style sliding scale and remain an estimate; depending on the circumstances, further items may need to be added thereto.

Bond Cost Calculator

Estimate the main bond registration cost items using the same itemised structure.

Bond costsR0
Bond Cost Details
Deeds Office Fee, non-vatableR0
Conveyancing Tariff Fee, vatableR0
Postage & Petties, vatableR0
Deeds Office Search Fee, vatableR0
Electronic Document Generation Fee, vatableR0
Your E‑Vault, vatableR0
VATR0
This calculation reflects the main cost items. Deeds Office fees use the official 2026/2027 Deeds Office scale. Conveyancing Tariff Fees use a LSSA guideline-style sliding scale and remain an estimate; depending on the circumstances, further items may need to be added thereto.

Agent Commission Calculator

Calculate commission from a selling price, or calculate the advertising price required for a seller’s net amount.

Recommended advertising priceR0
Seller net amountR0
Advertising / selling priceR0
Commission excl. VATR0
VAT on commissionR0
Total commission incl. VATR0
Balance percentage after commission0%
Example: if the seller wants R1 000 000 net and commission is 5% + VAT, total commission is 5.75%. The seller receives 94.25%, so the advertising price is R1 000 000 ÷ 94.25% = approximately R1 061 008.

Capital Gains Tax Estimate

Estimate a seller’s potential CGT exposure. This is simplified and not tax advice.

Estimated CGT payableR0
Capital gain before exclusionsR0
Taxable capital gain after exclusionsR0
Included in taxable incomeR0
Disclaimer

The CGT calculator does not constitute advice and clients are urged to seek professional tax advice.

The aim of the CGT calculator is to provide a rough indication of the income tax implication following the sale of fixed property based on the information supplied in the calculation.

The CGT calculator is not suitable for transactions where the property had been acquired prior to 1 October 2001.

The CGT calculator is not suitable for VAT vendors disposing of fixed property.

The CGT calculator must not be used in transactions where shares or member’s interest is disposed of.

The CGT calculator does not take the following into account:
  • Assessed loss / capital loss from prior years
  • In respect of jointly owned properties, the calculation automatically attributes the gain in equal shares to the taxpayers.

Price per Square Metre Calculator

Work out a quick price/m² comparison.

Price per m²R0
Property priceR0
Size0 m²

Affordability / Bond Qualifying Calculator

Estimate what home loan amount a buyer may qualify for based on income, deductions, expenses, interest rate and term — similar in layout to bond-originator affordability calculators.

Use gross monthly income. For joint applications, use combined household income.
PAYE, UIF, pension, medical aid, etc.
Debt repayments and living expenses.
Optional: shows how much the buyer may loan if they only want to pay this amount.
Added to the qualifying bond amount to estimate possible purchase price.
Estimated home price based on affordability R0
Amount you qualify forR0
Monthly repayment for qualifying amountR0
Amount you qualify for based on preferred repaymentR0
Estimated home price using preferred repaymentR0
Net disposable income after deductions and expensesR0
Maximum instalment allowed by income ruleR0
Deposit addedR0
This is a guideline only and is not a bond approval. Banks apply full credit assessment, affordability assessment, credit score, account conduct, property valuation, insurance and risk criteria.

Buyer’s Guide

A simple guide to help buyers understand the home loan and property buying journey before they apply for finance.

1. Understand what you can afford

Start with your gross income, monthly deductions, living expenses, existing debt and preferred repayment. Use the Affordability Calculator to estimate a comfortable price range before viewing homes.

  • Be honest about all monthly expenses.
  • Keep space for rates, taxes, levies, insurance and maintenance.
  • A lower preferred repayment may be safer than the maximum you qualify for.

2. Prepare your documents

Banks normally require different documents depending on whether you are employed, self-employed, buying jointly, buying in a company, CC or trust.

ID documents
Latest payslips
Bank statements
Proof of address
OTP / Offer to Purchase
Marriage contract, if applicable

3. Know the home loan process

  1. Buyer signs the Offer to Purchase.
  2. Application information and documents are collected.
  3. The bond application is submitted to the banks.
  4. The bank issues approval or requests more information.
  5. The buyer accepts the quotation and conditions.
  6. The bond attorney prepares documents for signature.
  7. Transfer and bond documents are lodged at the Deeds Office.
  8. Registration takes place and ownership transfers.

4. Protect your credit profile

A healthy credit record can improve your chances of approval. Late payments, judgments, unpaid accounts and too much short-term debt can reduce affordability.

  • Pay accounts on time every month.
  • Do not pay less than the minimum instalment.
  • Reduce expensive short-term debt where possible.
  • Avoid opening new debt just before applying for a bond.

5. Understand buyer costs

The purchase price is not the only cost. A buyer may also need transfer costs, bond registration costs, bank fees, moving costs, insurance and possible deposits.

  • Use the Transfer Cost Calculator for transfer fees and transfer duty.
  • Use the Bond Cost Calculator for registration costs.
  • Ask the conveyancer to confirm the final amount payable.

6. Different buyer and property types

Applications may differ for single buyers, married couples, joint buyers, companies, close corporations and trusts. Certain property types may also be viewed differently by banks.

  • Married in community of property usually requires both spouses.
  • Trusts and companies often require resolutions and extra documents.
  • Unusual construction, share blocks or certain commercial uses may need special assessment.
Important: This Buyer’s Guide is general information only and does not replace advice from a bond originator, bank, conveyancer, financial adviser or tax practitioner. Requirements differ between banks and transactions.
Important disclaimer: This calculator provides estimates only. Final figures must be confirmed with the bank, bond originator, conveyancer, SARS, the signed mandate agreement and/or a qualified tax practitioner.