Disclaimer

Last updated: March 2026

Not Financial Advice

The calculators, tools, and content provided on MortgageCalculator.co.za are for informational and educational purposes only. Nothing on this website constitutes financial advice, investment advice, legal advice, or any other form of professional advice.

MortgageCalculator.co.za is not a financial services provider, bank, bond originator, mortgage broker, estate agent, attorney, or tax consultant. We are not registered with the Financial Sector Conduct Authority (FSCA) as a financial service provider.

Before making any financial decision relating to property — including buying, selling, refinancing, or investing — you should consult a qualified and registered financial advisor, bond originator, conveyancing attorney, or tax practitioner.

Calculations Are Estimates Only

All calculations produced by our tools are estimates based on the inputs you provide and the rate tables and assumptions built into each calculator. Actual amounts may differ significantly from our estimates due to:

• Your individual credit profile and risk assessment by the lending institution
• Bank-specific fees, conditions, and interest rate structures
• Negotiated attorney fees that differ from standard tariffs
• Changes to SARS rates, prime lending rate, or gazetted fee schedules after our last update
• Property valuation and sectional title considerations
• Special conditions in the deed of sale or title deed
• Municipal and provincial variations in rates and charges

Rates May Change

Interest rates, transfer duty tables, bond registration fees, conveyancing tariffs, and all other figures used in our calculators are subject to change by the relevant South African authorities (SARB, SARS, the Deeds Office, professional associations, etc.). While we endeavour to update our calculators promptly when changes are announced, there may be a delay between a regulatory change and our update.

Always verify current rates and fees with the relevant authority or a registered professional before relying on any calculation for a financial decision.

No Warranty

MortgageCalculator.co.za is provided on an "as is" and "as available" basis without any warranty of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by South African law, MortgageCalculator.co.za and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or its calculators — including but not limited to financial losses arising from reliance on our estimates.

Third-Party Links

This website may contain links to third-party websites. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Accuracy of Information

While we make every effort to ensure the information on this site is accurate and up to date, we make no representations or warranties of any kind about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

Changes to This Disclaimer

We may update this disclaimer from time to time. Continued use of the website after any changes constitutes your acceptance of the revised disclaimer.