ooba's bond and transfer cost calculator will help you work out the bond registration cost you're likely to incur for the administration of your home loan.

What will my registration and transfer costs be?

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More information
Although every effort has been made to ensure the accuracy of our calculators, ooba (Pty) Ltd. and its subsidiaries accept no liability in respect of any errors contained herein. Under no circumstances will ooba (Pty) Ltd and its subsidiaries be liable for any loss or damages whatsoever arising from the use of this calculator.

When planning to buy your dream home, it is important to remember that you will also be responsible for paying certain administration and registration fees. Our bond and transfer costs calculator will show you exactly what to expect in terms of some of the key costs you’ll have to cover.

Several factors affect the amount you have to pay for your dream home:

  • Transfer costs 
  • Transfer duty
  • Bond registration costs
  • Bank initiation fee
  • The deposit

If you’re buying a home for more than R900 000, you’ll have to pay transfer costs, which includes transfer duty. If you’re taking out a home loan, you’ll also be paying bond registration costs, including a bank initiation fee. These costs are not part of the bond, they are extra.

The higher the purchase price of your property, the higher the transfer costs. And the higher the bond amount, the higher the bond registration costs. The Bond and Transfer Costs Calculator makes it easy to find out exactly how much the transfer costs will be on the home you’d like to own.

Your bond registration costs will be paid to a transferring attorney, who will sort out the necessary documents and get them registered at the deeds office. He or she will also ensure that the transfer fees are paid to the right government department. Find out what your attorney will charge you for doing this.

Interestingly, if the property isn’t in the name of a person but of a company, VAT is payable and not transfer duty. This can be higher than the transfer duty. Give us a call if you’re buying from a Closed Corporation (CC) or a trust. We can assist.

Of course, you’ll also have to pay a deposit. Use the bond and transfer costs calculator to find out what you’ll have to budget for. 

Buying a property for you and your family is incredibly exciting, but some steps in the process can be unnerving. Take comfort in the fact that we’re here to guide you every step of the way. Contact an ooba home finance expert to help you calculate your bond and transfer costs.


Now that you know how much the bond registration fees and transfer costs of your dream home are, you can factor those costs in and apply for one of our great home loan options.

If you have any queries and want professional assistance, feel free to contact an ooba expert today!

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