Can transfer fees be included in your bond?

Yes, but there is a catch. There is the option aimed at first-time buyers of a 105% bond, in which the extra 5% covers additional costs, including the transfer and bond registration costs. This means that, although you won’t have to pay a deposit or transfer and bond registration costs upfront, these costs will be added to your loan amount, so your monthly repayments will be higher as a result.

What is the difference between a transfer duty and transfer costs?

Transfer costs

You will be required to pay transfer fees to an attorney who has been retained by the seller of the property to facilitate the transfer of ownership to you. This cost varies, as it is dependent on the overall price of the item. It includes the fees charged by the conveyancer, as well as the transfer duty that must be paid to SARS.

Transfer Duty

The sale of a fixed property that was acquired by any person through a transaction or in any other way is subject to a tax known as transfer duty. The new owner is responsible for paying these costs to the South African Revenue Service (SARS) when they take ownership of the property after the previous owner has sold it. Transfer duties are only applicable to properties with a value greater than R1 million. Since April 1, 2011, all transfer duty payments must be made electronically through the use of eFiling. In most cases, a conveyancer will be the one to carry out these tasks on your behalf.


The transfer costs first-time home buyers can expect to pay. (n.d.). Ooba. Retrieved November 11, 2022, from

Property transfer costs in south africa. (2022, July 8). RE/MAX. Retrieved November 11, 2022, from https://Request::fullUrl()

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