Deceased Estate Property Transfer Costs Guide

Here is a simple guide to understanding property transfer costs related to a deceased estate in South Africa. When property forms part of a deceased estate and needs to be transferred to the heirs or sold, there are several costs involved.

1. Transfer Duty Exemption

One of the benefits of inheriting property from a deceased estate is that no transfer duty (a tax paid to SARS) is payable. However, there are still other costs associated with the process.

For more on transfer duties, check this guide:
Transfer Costs Fees in Deceased Estates.

2. Conveyancer Fees

A conveyancer (a specialised property lawyer) is responsible for transferring the property from the deceased’s name to the heir or buyer. This fee is payable even though transfer duty is not applicable.

  • The conveyancer’s fees are based on the value of the property and are calculated on a sliding scale.
  • For example, if a property is valued at R1,000,000, conveyancer fees could be around R16,500, excluding VAT and other disbursements.

For more details, you can visit:
Transfer Costs in a Deceased Estate.

3. Rates Clearance Certificate

A Rates Clearance Certificate is required from the local municipality before the property can be transferred. The deceased estate needs to settle all outstanding rates and taxes, including any unpaid utility bills.

  • Municipalities typically require advance payment for rates covering 3-6 months before issuing the clearance certificate.

4. Bond Cancellation Fees

If the deceased had a bond (mortgage) on the property, it needs to be cancelled, even if the property is transferred to an heir. The bank will charge a bond cancellation fee, which is usually a set amount depending on the bank’s policy.

Check out:
Deceased Estate Property Transfer Costs.

5. Executor’s Fees

The executor of the estate is entitled to charge a fee for administering the estate, which includes handling property transfers. The fee is typically 3.5% of the gross value of the estate, plus VAT.

More insights here:
Property Transfer in Deceased Estate.

6. Compliance Certificates

The heir or buyer may need to obtain certain compliance certificates before the property transfer, such as:

  • Electrical Compliance Certificate.
  • Plumbing and Gas Certificates (if applicable).

These certificates confirm that the property meets legal standards and are required before the transfer can be finalised.

7. Estate Agent Fees (if sold)

If the property in the deceased estate is sold, rather than transferred to an heir, estate agent fees (usually around 5-7% of the sale price) will be payable by the estate.

For a more detailed discussion on these issues, read:
Dead Capital: Inefficient and Unaffordable Estate Processes.


By understanding these costs, you can be better prepared when handling a property transfer from a deceased estate. Always consult with an attorney or conveyancer for specific advice based on your situation.


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