What it costs to register your bond.
The once-off cost a financed buyer pays the bond attorney and the Deeds Office to have a mortgage bond registered against the property — on top of the transfer costs.
How bond registration costs work
A buyer who finances the purchase through a bank pays two sets of conveyancing fees: one to the transfer attorney who registers the property in the buyer’s name, and one to the bond attorney who registers the bank’s mortgage bond over the property at the same time. The bank appoints the bond attorney from its panel, but the buyer pays the cost.
Bond attorney fees follow the same LSSA tariff guideline as transfer fees, but the tariff is applied to the bond amount (not the purchase price). The Deeds Office charges a separate statutory bond registration fee on a fixed sliding scale gazetted under the Deeds Registries Act — these were last updated on 1 April 2026. VAT at 15% applies to attorney fees and postage.
What this calculator does not include
- Bond origination and valuation fees charged by the bank
- Initiation fee added to the bond (NCA-capped at R 6,038)
- FICA documentation costs