10/02/2026
Smart homeowners know property can offer more than comfort - it can offer tax benefits too.
Here are a few ways South Africans are using their property to reduce their tax bill:
✅ Home Office Deduction
If you run a registered business from home, you may be able to deduct a portion of your bond interest, rates, electricity, and internet.
✅ Rental Income Deductions
Earn rental income from a flatlet or cottage? You can deduct maintenance, interest, rates, and even insurance costs against that income.
✅ Capital Gains Tax (CGT) Exclusion
When you sell your primary residence, the first R2 million of the capital gain is excluded from CGT - a big benefit for long-term homeowners.
✅ Bond Registration & Transfer Fees
In some cases, these can be added to the base cost of your property when calculating CGT on a future sale.
Navigating tax and property can be complex - ooba South Rand is here to help make it clearer.
