1. General Disclaimer
The information and calculators provided on SA Property Tool (sapropertytool.co.za) are intended for general informational and educational purposes only. Nothing on this website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice.
By using this website and its calculators, you acknowledge and agree that:
- All calculator outputs are estimates only and may not reflect your actual costs or returns
- You will not rely on this information as the sole basis for any financial decision
- You will seek independent professional advice appropriate to your specific circumstances
2. Calculator Accuracy
While we endeavour to keep our calculators accurate and up-to-date with the latest SARS rates, banking guidelines, and market benchmarks, we make no warranty — express or implied — as to the accuracy, completeness, or currency of any information on this site.
Transfer duty rates, bank affordability criteria, attorney fee scales, and other financial parameters change over time. Calculator outputs are estimates based on standardised inputs and published reference rates. Your actual costs will depend on your specific transaction, the professionals involved, and the prevailing rates at the time of your transaction.
Always confirm all figures with your conveyancing attorney before proceeding with any property transaction.
3. Not Financial Advice
SA Property Tool is not a financial services provider, bank, bond originator, estate agent, attorney, or registered financial advisor. We are not authorised to provide financial advice under the Financial Advisory and Intermediary Services Act (FAIS) or any other South African legislation.
The content on this website, including all calculator results, articles, and guides, reflects general information about the South African property market and does not constitute a personalised financial recommendation. Every individual's financial situation is unique and requires personalised professional advice.
4. Transfer Duty and Legal Costs
Transfer duty figures are calculated using the official SARS rate table effective for the relevant period. However, SARS rates may change without notice, and specific transactions may be subject to different rules (for example, VAT instead of transfer duty on new developments, or exemptions on certain restructuring transactions). Always verify transfer duty with SARS or a qualified conveyancer.
Attorney fee estimates are based on typical Legal Practice Council tariff scales and include estimated VAT and Deeds Office fees. Actual fees charged by attorneys may vary. Your conveyancing attorney will provide you with a written fee estimate before proceeding.
5. Bond and Affordability Calculations
Bond repayment and affordability calculations are based on the inputs you provide and standard banking formulae. Actual bond approval, repayment amounts, and interest rates depend on your credit profile, the specific bank's assessment criteria, prevailing prime rates, and other factors outside our knowledge or control. Use these calculators as a starting point only — not as a substitute for a formal pre-approval from a registered credit provider.
6. Investment Returns
Any discussion of rental yields, investment returns, or property appreciation on this website is based on general market observations and historical data. Past performance and average market yields are not a guarantee of future results. Property investment carries risk, including the risk of capital loss. Always conduct thorough due diligence and obtain independent financial advice before investing.
7. Third-Party Links and Affiliate Relationships
This website contains links to third-party websites and services, including affiliate links to bond originators and financial service providers. We are not responsible for the accuracy, content, or practices of any third-party website. The presence of an affiliate link does not constitute an endorsement of any particular product or service. Our affiliate relationships are disclosed in our Privacy Policy.
8. Limitation of Liability
To the fullest extent permitted by South African law, SA Property Tool, its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or reliance on, the information or calculators on this website. This includes but is not limited to financial loss, missed investment opportunities, or incorrect property decisions.
9. Professional Advice
We strongly encourage all users to seek professional advice from qualified, registered professionals before making any property or financial decision, including:
- Conveyancing attorney: For exact transfer costs, legal aspects of property transfer, and title deed matters
- Bond originator or mortgage broker: For bond applications, interest rate comparisons, and pre-approval
- Financial advisor (FAIS-registered): For investment decisions, retirement planning, and portfolio strategy
- Accountant or tax advisor: For tax implications of property ownership and rental income
- Estate agent (Fidelity Fund Certificate holder): For market valuations and transaction guidance
10. Contact
If you have questions about this disclaimer or believe any information on our site is inaccurate, please contact us at hello@sapropertytool.co.za or via our Contact page.