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Western Cape

Situated in the south western corner of South Africa, the Western Cape is one of the country’s most popular locations and destinations. Boasting the exquisite allure of the Winelands, the Karoo and the splendour of the Garden Route, the province also houses Cape Town – the Mother City – a haven for its culturally practised and tasteful residents.


Also known as the Garden province as a result of its coastal sub-tropical climate, KwaZulu-Natal has always been one of South Africa’s favourite holiday destinations. While the coastline is dotted with picturesque small towns, the province’s interior consists mainly of inspiring and spectacular rolling hills.

Eastern Cape

The Eastern Cape includes such diverse landscapes – from the arid Karoo to the wet and windy Grahamstown – that any person can find their nirvana here. This province also boasts South Africa’s only snow skiing resort, which is situated in the Southern Drakensberg.

Free State

With Bloemfontein as its capital city, the Free State is found in the very heart of South Africa. The lovely climate and fertile land have made the province a thriving agricultural community. The Free State’s chief tourist attraction is the Golden Gate Highlands National Park nestled in the foothills of the breathtaking Maluti Mountains.


Meaning literally “the place where the sun rises”, Mpumalanga is divided into scenic highveld and savannah lowveld. Main attractions in the province include the Kruger National Park, the Sudwala Caves and the Blyde River Canyon.


As the northernmost province in South Africa, Limpopo shares its borders with Botswana on the west, Mozambique on the east and Zimbabwe in the north. Limpopo’s proximity to these African countries has gifted it with the beauty and contrasting landscapes that has made it a favourite among travellers and adventure seekers.

North West

The North West province is a picture of authentic African bushveldt beauty that encourages adventure. From the quiet beauty of the Pilansberg Nature Reserve to the bold decadence of Sun City, the North West offers both culture and comfort.

Northern Cape

The Northern Cape is the biggest and most sparsely populated province in South Africa, dominated by the Karoo Basin. This natural gem includes the Kalahari Gemsbok National Park, the Augrabies Falls as well as the famous Namaqualand region.

Standard Bank lists repossessed and mandated properties for sale via ONLINE AUCTION as well as online offers. Standard Bank will settle all arrears rates and taxes on a property, in addition to paying all rates and taxes due until the date of registration. To make the process even easier on the pocket, there are no transfer duties payable by the buyer when purchasing a repossessed Standard Bank property.


When buying repossessed property through Absa in a personal capacity, the buyer will not be held liable for payment of transfer duties on the property. An added bonus is that should you finance your new home through Absa Home Loans you will enjoy the benefit of discounted attorney fees. Why not start your search for your dream home today?


FNB takes the majority of the work out of buying repossessed properties by offering buyers up to 100% bond financing. The buyer will not be liable for any transfer duties, and FNB will furthermore pay any outstanding property rates and taxes up until the date of registration.

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When driving through our cities, and especially Pretoria where I live, I can’t help to see the increase in properties on Auction. I did a bit of a study on these types of properties in the last month and went to a property auction to experience it first hand. These were my findings…

The first thing I found out was that a property auction board doesn’t mean that there will be an auction, to be honest, most of the auctions I phoned had no auction date and the auction house was only accepting pre-auction offers.

I was particularly interested in a 3 bedroom 3,5 bathroom +-260m2 on a 645m2 erf property in Kamdeboo estate in Bakkies street in Die Wilgers. I ran a deed search and saw that the property had two separate bonds registered, one for R1.5 million and another for R355k. I phoned and asked for papers to make an offer. A week later I received the offer document with an email stating the bank would accept offer from R1.8 million (which made sense). The offer document (which was worded as if it should have been used after an actual auction) stated the following:

  • The offer price was excluding VAT
  • The offer price was excluding the auction house commission of 5% (excluding VAT) of the purchase price including VAT
  • And then there was this little paragraph stating: “The PURCHASER shall be bound by the terms and conditions of all existing leases, of which he acknowledges he is fully apprised.” - I replied to the initial email from the auction house and was informed that there was a lease agreement in place until November 2009 for R8000 per month.

I know of two other units in this complex that was for sale this year out of desperation and insolvency, one was eventually sold for R1,42 million and the other is still for sale. This gave me the feeling to come in with a price close to R1.5 million (taking into account that my bond repayment would be nearly R20000 per month for the next year while getting only R8000 from my tenants till November 2009).

The math looks as follows:

Offer Price: R 1 244 835,00

VAT on Offer Price: R 174 276,90

Total offer Price: R 1 419 112,00

Auction House Commission: R 80 889,40

Total Price: R 1 500 001,00

I did not bother making this offer as I know from experience that the bank won’t take a 21% (nearly R400 000,00) knock on their investment in the first month of “auction”. My eyes did open to the following regarding pre auction offers of property:

  • Just because it’s an auction doesn’t mean it’s a bargain
  • Auction houses take 5.7% commission, non negotiable
  • Auction offers are excluding VAT and Auction commission which make them sound cheap. If this had been an auction and the bid was closed on R1244835,00 I’d have to pay R1.5 million, that’s a quarter of a million rand difference.
  • Property is sold subject to all existing tenancies.

My next post will deal with the lies and deception of property auctions, or to be more correct, of the property auction I attended in Wingate Park, Pretoria. I’ll touch base on the thrill of the bid, the bank buying back the property and the two people standing between you and a genuine bargain!

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