CBA Inc.

28/05/2026

What stays with the house?
It sounds simple until it is not.

When buying or selling a property, fixtures and fittings can easily become a point of confusion - curtains, blinds, mirrors, light fittings, built-in appliances, security systems, pool equipment and other items in the home.

The safest approach is to make sure everything is clearly agreed in writing before the Offer to Purchase is signed.

If something is staying - write it down.
If something is being removed - write it down.

A clear agreement now can help prevent unnecessary conflict later. 🏡⚖️

For conveyancing guidance, contact CBA Inc.

📞 081 096 9264
📧 [email protected]
🌐 www.cbainc.co.za

25/05/2026

When buying a property, the voetstoots clause generally means you accept the property in its existing condition.

But it does not mean that “anything goes.”

Buyers should still ask questions, inspect carefully, and make sure any concerns are properly recorded in writing before signing. Sellers should also understand that known defects cannot simply be hidden behind legal wording.

This is why the details in your agreement matter.
Before you sign, read carefully.
Before you assume, ask.
And when you are unsure - get proper legal guidance.
For conveyancing assistance, contact CBA Inc.

📞 081 096 9264
📧 [email protected]
🌐 www.cbainc.co.za

22/05/2026

Conscious law begins the moment we remember there is a human story behind every legal battle.

20/05/2026

20/05/2026

It’s always meaningful to receive feedback that speaks to the experience behind the work. 🌿

Legal processes can feel overwhelming, so we value communication, diligence, and a steady approach from start to finish.

Thank you for the kind words - we’re grateful to know that the process felt supported and professionally handled.

For assistance with conveyancing, notarial work, or legal support, contact CBA Inc.

📞 081 096 9264
📧 [email protected]
🌐 www.cbainc.co.za

18/05/2026

When buying property in South Africa, one of the important cost details to confirm upfront is whether the transaction is subject to VAT or Transfer Duty.

It is not both.

If the seller is VAT-registered and the property forms part of their business enterprise, VAT may apply. If not, Transfer Duty is usually payable by the buyer. SARS confirms that a property sale is subject to either VAT or Transfer Duty, with VAT taking preference where it applies.

This detail can make a significant difference to the total cost of the transaction, which is why it should never be left as an assumption.

Before you sign, make sure you understand what applies to your property purchase and how it affects your financial planning.

At CBA, we handle the details so buyers and sellers can move through the transfer process with clarity and peace of mind.

📞 081 096 9264
📧 [email protected]
🌐 www.cbainc.co.za

15/05/2026

Buying a property is exciting - but it is also one of the biggest legal and financial commitments most people will make.

Before you sign an Offer to Purchase, it is important to understand exactly what you are agreeing to. This document does more than confirm your interest in a property. It sets out the terms of the sale, the timelines, the conditions, and the obligations that both buyer and seller may be held to.

Once signed and accepted, those details can carry real consequences.

That is why it is always worth pausing before you sign. Ask questions. Understand the clauses. Make sure the agreement protects you and reflects what was actually discussed.

A signature may only take a moment - but the commitment that follows can be significant.

At CBA, we help clients understand the legal process clearly, so they can move forward with confidence.

📞 081 096 9264
📧 [email protected]
🌐 www.cbainc.co.za

13/05/2026

Property transfers involve more than just signing documents and municipal rates are a perfect example of where people get caught off guard.

Before transfer can proceed, the municipality issues a Rates Clearance Certificate. But here’s what many people don’t realise: the figures paid for this certificate are not a final account. They are an advance payment, usually covering several months ahead, to ensure the property is “in credit” at the time of transfer.

What happens next is where things often go wrong:
* The seller has effectively overpaid rates to secure the certificate. After transfer, they must apply to the municipality for a refund of any credit remaining on the account. This does not happen automatically - and delays are common if not followed up.

* The purchaser must open a new municipal account in their own name as soon as the property is registered. If this step is missed or delayed, billing issues and confusion around liability can arise quickly.

The key point: the clearance process is designed to protect the municipality - not to neatly settle accounts between buyer and seller.

At CBA, we don’t just get transfers registered - we guide clients through the practical realities that follow, so nothing is left unresolved after registration.

📞 081 096 9264
📧 [email protected]
🌐 www.cbainc.co.za

11/05/2026

Buying property is exciting - but once the Offer to Purchase is signed, there are still several important steps before ownership officially changes hands.

From signed agreements and F**A checks, to bond approval, certificates, rates clearance, guarantees, and Deeds Office registration - each part of the process needs to line up before transfer can take place.

It can feel like a lot, especially if you are buying or selling for the first time.
That is why understanding the process matters.

This carousel gives a simple overview of what typically happens after you sign - and why having the right conveyancing team makes such a difference.

At CBA, we help guide the transfer process clearly and carefully, so buyers and sellers know what to expect at each stage.

Save this post if you are buying property soon - or send it to someone who is about to sign.

📞 081 096 9264
📧 [email protected]
🌐 www.cbainc.co.za

09/04/2026

Selling your home feels like the final step…
…but legally, it isn’t.

There are still processes happening behind the scenes that most people aren’t aware of – including what happens to your bond.

It’s often only once things are underway that the questions start.

👉 And by then, the details matter.
At CBA, we deal with these processes every day – so nothing is missed, and nothing is left unclear.

📍 Office No 1, The Circle Business Centre, Douglas Crowe Drive, Ballito
📞 081 096 9264
📧 [email protected]

04/12/2025

As mediators, arbitrators, and attorneys, we know abuse is wrong on every level.
But if we want sustainable resolutions, we must also recognise the wounded parts driving the behaviour.
Accountability matters.
Awareness matters.
Healing matters.
Conscious practice transforms outcomes.