Analyse a deal
Paste a listing link or type the numbers in — the verdict updates as you type.
Free: 1 of 1 property left in OctoberUnlimited with Investor
Calculated at prime 10.75%, effective 25 Sep 2026. Saved analyses record the rate they were run at, so reopening one shows what you were shown.
What to offer
See the most you can offer for each T-rating — from “pays from day one” to your walk-away price — and download an offer sheet for the agent.
NV — not viable
The T-rating counts how many years of rent increases it takes before the rent covers the bond and every running cost. T0 is day one; NV means not within four years.
You top up R4 651 a month now, and still R3 206 a month in 4 years.
Rent increases narrow the gap, but not fast enough — after 4 years it still costs you money every month.
Over those 5 years you would put in about R240 000 of your own money, on top of the R388 502 needed at signing.
At these rent and cost increases it would first pay for itself in 12 years.
What would make it pay for itself from day one
Any one of these, on its own:
- Offer lessPay R926 250 instead of R1 500 000 — 38% less.Far more than a typical negotiation, which lands 3–8% below asking.
- Put down morePut down 51% instead of 20% — R765 000 rather than R300 000.That is most of the price in cash.
- Negotiate the rateBorrow at 4.40% instead of 10.75%.No bank lends this far below prime (10.75%).
The rent would need to be R18 336 a month for this deal to pay for itself today.
Paying extra on this bond? See how much sooner it is paid offBond assessment
Bond pre-approval through GoFund opens soon. Until then, nothing you enter in IQprop is sent to GoFund, and you are free to use any bank or originator.
One month’s rent, and where every rand of it goes.
- RentR13 000
- Empty months (vacancy)−R520
- Agency fee−R1 148
- Levy−R1 850
- Rates−R900
- Insurance−R350
- Maintenance−R700
- Bond repayment−R12 183
- You top up−R4 651
Insurance and the rental agent’s fee are negotiable. Ask verified vendors to quote on this property — the details come from your analysis.
How quotes workEach month, now and over the next 4 years
| Item | Amount | Basis |
|---|---|---|
| Deposit | R300 000 | 20% of price |
| Transfer duty | R8 700 | SARS scale + cumulative base |
| Transfer / conveyancing | R37 530 | LSSA tariff + VAT |
| Bond registration | R38 692 | LSSA + VAT + bank initiation fee R6 038 |
| Deeds Office fees | R3 580 | GN 7180 scale, per deed |
| Cash at signing | R388 502 | natural person |
Conveyancing tariffs are non-binding guidelines and bank panel attorneys often discount. Always obtain a written quote. The bank's initiation fee is included here as cash, although most banks add it to the bond instead. For a bond in your own name it is capped by the National Credit Act.
Go further with Investor
R99/monthEverything above stays free. The Investor plan adds:
Save this analysis and download it as a PDF
Kept exactly as calculated today — rate and engine version recorded — to reopen, compare or send to your bond originator.
Check the rent and work out your offer
Type in what similar homes rent for: see whether your rent holds up, the most you can pay for each rating from T0 to T4, and your walk-away price.
Share a deal with your partner or bond originator
A link that opens the same analysis for anyone you send it to — no account needed on their side.
Move the offer, deposit and rate
Slide three levers and watch the rating change as you go.
Improve it — work that adds rent
Enter what a second bathroom or a granny flat costs and the rent it adds: the new yield, the new rating, and how long the work takes to pay for itself.
What it costs you after tax
Only bond interest is deductible — see the monthly figure once tax is counted, for the entity that owns it.
What you would own in five years
Price growth and the bond paid off, against all the cash you put in — as a return a year.
Enter your gross monthly income to calculate what a bank might lend you.
Enter the entity's own gross monthly income to calculate its capacity.
Enter your gross monthly income above to see your total exposure.