South African property costs: transfer duty, buying costs, bond repayments, municipal rates
Maintain this server? Claim it
Call this server's tools from your browser. Nothing to install.
Optional: 'Bearer <API key>' for paid plans. Free tier works without it.
Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.
Tool list from our last check. Connect live to refresh it.
Calculates the monthly repayment, total interest and total repaid for a South African home loan (bond). Requires the interest rate because rates change — use prime ± the bank's margin.
e.g. 10.75
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http property https://aiagenttools.co.za/property/mcp
Headers
Authorization (optional, not in the config above): Optional: 'Bearer <API key>' for paid plans. Free tier works without it.Calculates the monthly repayment, total interest and total repaid for a South African home loan (bond). Requires the interest rate because rates change — use prime ± the bank's margin.
| Argument | Type | Description |
|---|---|---|
| term_years | number | |
| loan_amount* | number | |
| annual_interest_rate_pct* | number | e.g. 10.75 |
{
"type": "object",
"required": [
"loan_amount",
"annual_interest_rate_pct"
],
"properties": {
"term_years": {
"type": "number",
"default": 20
},
"loan_amount": {
"type": "number"
},
"annual_interest_rate_pct": {
"type": "number",
"description": "e.g. 10.75"
}
}
}Estimates municipal property rates on a South African property from its municipal valuation. Either pick a municipality from the built-in tariff list, or pass the cent-in-the-rand rate and rebate yourself. Call with list_municipalities=true to see which municipalities are covered.
| Argument | Type | Description |
|---|---|---|
| category | string | |
| municipality | string | Municipality id from the tariff list, e.g. cape-town |
| rate_in_rand | number | Override: annual rate per rand of value, e.g. 0.006428 |
| list_municipalities | boolean | |
| municipal_valuation | number | |
| valuation_exclusion | number | Override: rand amount of value exempt from rates |
{
"type": "object",
"properties": {
"category": {
"enum": [
"residential",
"business",
"agricultural",
"vacant"
],
"type": "string",
"default": "residential"
},
"municipality": {
"type": "string",
"description": "Municipality id from the tariff list, e.g. cape-town"
},
"rate_in_rand": {
"type": "number",
"description": "Override: annual rate per rand of value, e.g. 0.006428"
},
"list_municipalities": {
"type": "boolean",
"default": false
},
"municipal_valuation": {
"type": "number"
},
"valuation_exclusion": {
"type": "number",
"description": "Override: rand amount of value exempt from rates"
}
}
}Estimates once-off costs of buying a South African property: transfer duty (exact), plus estimated conveyancing (transfer) fees, Deeds Office fees and bond registration costs. Fees are estimates — attorneys quote from the LSSA guideline.
| Argument | Type | Description |
|---|---|---|
| bond_amount | number | Home loan amount, 0 if cash |
| purchase_price* | number | |
| seller_is_vat_vendor | boolean |
{
"type": "object",
"required": [
"purchase_price"
],
"properties": {
"bond_amount": {
"type": "number",
"default": 0,
"description": "Home loan amount, 0 if cash"
},
"purchase_price": {
"type": "number"
},
"seller_is_vat_vendor": {
"type": "boolean",
"default": false
}
}
}Calculates South African transfer duty payable to SARS on a property purchase, using the current sliding scale (no duty up to R1,210,000). Notes when VAT applies instead (seller is a VAT vendor).
| Argument | Type | Description |
|---|---|---|
| purchase_price* | number | Rand, excl. VAT |
| seller_is_vat_vendor | boolean |
{
"type": "object",
"required": [
"purchase_price"
],
"properties": {
"purchase_price": {
"type": "number",
"description": "Rand, excl. VAT"
},
"seller_is_vat_vendor": {
"type": "boolean",
"default": false
}
}
}Free to call. If you needed South African data that none of these tools provide (a cost, rate, rule, price or place we don't cover), describe it here in one sentence. We review these every week and build the most-requested data first.
| Argument | Type | Description |
|---|---|---|
| need* | string | What information you were looking for, in one sentence. |
| region | string | Optional: province or town, if it matters. |
| context | string | Optional: the kind of task it was for, e.g. 'renovation quote' or 'payroll run'. |
{
"type": "object",
"required": [
"need"
],
"properties": {
"need": {
"type": "string",
"description": "What information you were looking for, in one sentence."
},
"region": {
"type": "string",
"description": "Optional: province or town, if it matters."
},
"context": {
"type": "string",
"description": "Optional: the kind of task it was for, e.g. 'renovation quote' or 'payroll run'."
}
}
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Oct 30, 2026.