Tools
Property tools
Calculators for buyers, sellers and investors. Choose a tool below, or share any one of them directly.
Calculators
Buying and selling
Returns
Short-term or long-term?
Enter your own figures to compare what a property could earn as a holiday rental or with a long-term tenant.
Short-term rental
Airbnb, Booking.com and LekkeSlaap, fully managed at 20% of gross income
Average net per month
Net yield
Long-term rental
A vetted tenant on a 12-month lease; the tenant pays for utilities
Average net per month
Net yield
On these figures
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A guide only, not financial or tax advice. Short-term income varies with the season and means more wear and guest turnover; long-term income is steadier. We prepare a written comparison for your property using real occupancy, rent and cost figures.
Request a written comparisonBond repayment
What will my home loan cost?
Estimate your monthly repayment and the total cost of your loan over its term.
Monthly repayment
Estimates only. The default interest rate is the prime lending rate of 10.5%; the rate you are offered depends on your credit profile.
Affordability
How much can I afford?
See what you may qualify for, based on your income and the deposit you have available.
Estimated purchase price, including deposit
Estimates only. Banks generally allow home loan repayments of up to 30% of gross monthly income, subject to your expenses and credit profile.
Transfer costs
What will it cost to buy?
Estimate the transfer duty and bank fees on a purchase in South Africa.
Transfer duty and initiation fee
Transfer duty follows the SARS table for 2026/27. Attorney, Deeds Office and other fees vary, so we provide an itemised quote for every purchase.
Capital gains tax
What tax will I pay when I sell?
Estimate the capital gains tax on a sale, including withholding tax for non-resident sellers.
Estimated capital gains tax
Estimates only, based on 2026/27 rates: a R3 million primary residence exclusion and R50 000 annual exclusion for individuals, with 40% of the gain included for individuals and 80% for companies and trusts. Non-resident sellers of property above R2 million have tax withheld on transfer, which is credited against the final tax. Your tax practitioner should confirm the final figure.
Net proceeds
What will I walk away with?
Estimate your cash after commission, bond settlement, costs and tax when you sell.
Estimated net proceeds
Estimates only. Commission includes VAT at 15%. Bond cancellation costs and certificates (electrical, gas, beetle and others) vary by property; we confirm them for every sale.
Investment with a bond
What will my money earn?
See the cash flow, return on your own money and equity growth of a financed investment.
Cash-on-cash return
Estimates only. Cash-on-cash return is the yearly cash flow as a percentage of your own money invested, including deposit, transfer duty and bank initiation fee. Growth is not guaranteed; past performance is no indication of future returns.
Interest rates
What if rates change?
See how your monthly repayment moves as interest rates rise or fall.
Estimates only. The highlighted row is your current rate. A change of 0.25% is one typical Reserve Bank adjustment.
Valuation
What is my property worth?
Tell us about your property, and we will prepare a confidential valuation from recent comparable sales.
Every valuation is private and without obligation, prepared from recent comparable sales in your area.
Buyer waiting list
Be first to know
Tell us what you are looking for. We introduce suitable homes to our waiting list, often before they reach the portals.
Your details are used only to match you with suitable properties, in line with our privacy policy. You may ask to be removed at any time.
Let us run the numbers with you.
Every property is different. We prepare a written analysis using real figures for your purchase, sale or investment.
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