Fivaz Inc

Fivaz Inc www.fivaz.co.za | Attorneys, Notaries and Conveyancers. Fivaz Inc, Attorneys, Notaries and Conveyanc

Fivaz Incorporated, Attorneys, Notaries and Conveyancers is an innovative, dynamic and growing law firm founded in 2002, with a highly focused practice and is currently complemented by two full time lawyers. The firm has, since its inception, prospered and grown by representing big business and entrepreneurial clients who require and demand high level of professionalism, expertise and responsiveness.

What does "Estate Access" actually mean? Swipe to find out. 👉If your estate has limited your access over a levy or rules...
02/09/2026

What does "Estate Access" actually mean? Swipe to find out. 👉

If your estate has limited your access over a levy or rules dispute, it's best to get advice before you act.

🏠 www.fivaz.co.za

A quick recap of what mattered this month, and why it's worth knowing.1️⃣Public comment on proposed changes to South Afr...
31/08/2026

A quick recap of what mattered this month, and why it's worth knowing.

1️⃣Public comment on proposed changes to South Africa's eviction laws (the PIE Act amendments) closed on 6 August – landlords and property managers should watch for the next draft heading to Parliament.

2️⃣The Constitutional Court's ruling on customary and civil marriages is already reshaping how conveyancers approach due diligence on any sale involving a married seller.

3️⃣And with the repo rate at 7.0% and prime at 10.5%, affordability calculations for new bonds remain tighter than they were 18 months ago.

None of these developments are reasons to delay a transaction – they're simply reasons to make sure the legal groundwork under it is solid.

Heading into a property transaction in September? Speak to our team now, while there's still time to plan properly.

🏠 www.fivaz.co.za

28/08/2026

Let's have a quick talk about the value of perspective.

After more than two decades in the industry, we've learnt something important:

The legal issue clients arrive with is rarely the entire story.

👉A property transfer may involve a deceased estate.
👉A commercial agreement may affect future litigation.
👉A bond registration may require complex property restructuring.

Looking only at the immediate task often creates bigger problems and frustrations later on.

That's why we take the time to understand the complete picture before recommending a solution.

Good lawyers solve problems. Experienced lawyers help to prevent them.

🏠 www.fivaz.co.za

26/08/2026

The difference isn't just what we do and how we do it.

It's how we think.

Every legal matter comes with documents, but behind every document is a person making an important life decision.

🤝A family buying their first home.
🤝An entrepreneur signing a commercial agreement.
🤝An executor carrying out someone's final wishes.
🤝A developer planning the next phase of a project.

We never lose sight of that.

It's why our advice considers people, timing, long-term consequences and practical outcomes alongside legislation.

Because exceptional legal service isn't measured by how many files you process. It's measured by how well you protect the people behind them.

If that resonates with you, give us a call.

🏠 www.fivaz.co.za

24/08/2026

Most sectional title buyers read the sale agreement.

Far fewer read the body corporate's financial statements, arrears report, or reserve fund policy.

Yet, these documents say more about what you're buying into than the unit's finishes ever will.

A scheme with healthy reserves and low arrears is a good sign of governance. A scheme that's been quietly under-levying for years, or has significant owners in arrears, is a scheme heading toward a special levy... one that lands on whoever owns the unit when it's raised, not whoever owned it when the shortfall began.

This is precisely why a proper legal review before transfer matters: it's not just about the transfer documents, but about understanding what financial obligations come attached to the property itself.

Considering a sectional title purchase? Ask us to review the scheme's financial position before you sign.

🏠 www.fivaz.co.za

A common misconception: A deceased person's property automatically transfers to their spouse or children. It doesn't – n...
21/08/2026

A common misconception: A deceased person's property automatically transfers to their spouse or children.

It doesn't – not without a formal (often lengthy) legal process.

🔹First, the death must be reported to the Master of the High Court, who appoints an executor (either nominated in the will or, without a will, according to the Intestate Succession Act).

🔹The executor then opens an estate late account, values the estate's assets – including any immovable property – settles debts and liabilities, and only then can the property be transferred – either to an heir, or sold if the estate needs the funds.

This process can take months, sometimes over a year for larger or contested estates, during which the property cannot simply be sold or transferred by a family member acting alone.

Families dealing with a loss are already under enough pressure. Understanding this timeline upfront helps set realistic expectations, and avoids well-meaning but legally invalid shortcuts.

If you're an executor or heir dealing with a property in an estate, our team can guide you through the process.

🏠 www.fivaz.co.za

19/08/2026

When a bank approves a bond, it doesn't simply let any conveyancer handle the registration – it appoints attorneys from its own panel to do so.

Panel appointments aren't automatic. Banks review a firm's track record for accuracy, turnaround time, and professional conduct before adding them to that list.

For clients, this detail matters more than it might seem. A firm with established panel attorney relationships across the major banks tends to mean fewer delays caused by miscommunication between the bond attorney and the transferring attorney – two separate processes that have to be perfectly synchronised for registration to happen at all.

After over two decades of conveyancing work done across Gauteng and the Western Cape, this is the kind of coordination our team has refined many times over – not as a claim, but as a byproduct of doing the same careful process, correctly, again and again.

Get in touch with our team for a transfer or bond registration handled with that type of experience behind it.

🏠 www.fivaz.co.za

13/08/2026

Approving your bond is only half the affordability picture.

Property professionals are increasingly flagging what's being called the "second bond" – the true monthly cost of owning a sectional title unit, on top of the loan repayment itself.

That figure typically includes:

1️⃣Monthly levies and reserve fund contributions,
2️⃣Municipal rates and services,
3️⃣Building insurance,
4️⃣Security and, increasingly,
5️⃣Backup power costs.

In some Gauteng and coastal complexes, these combined costs can add R4,000 to over R11,000 a month before a single rand of bond is repaid – and Eskom's approved 2026/27 tariff increases (8.76% for direct customers, 9.01% for municipal customers) will only push utility-linked costs higher.

Low levies aren't always good news either. They can signal a well-run scheme, or a building that's deferred maintenance and is heading for a special levy.

Before signing, ask for the body corporate's levy schedule, latest financials, arrears position, and AGM minutes. A bank will approve what it can recover on default – it won't tell you whether you can actually afford to live there.

Have a sectional title sale agreement in hand? Let our team review it before you commit.

🏠 www.fivaz.co.za

South Africa's repo rate – the rate at which the Reserve Bank lends to commercial banks – currently sits at 7.0%, follow...
11/08/2026

South Africa's repo rate – the rate at which the Reserve Bank lends to commercial banks – currently sits at 7.0%, following a hike in May 2026.

Because South African banks calculate their prime lending rate as the repo rate plus 3.5%, prime currently stands at 10.5%. That's the rate most home loans are priced against.

Economists are divided on what happens next. Some expect the SARB's Monetary Policy Committee to hike again given inflation running above its comfort range; others expect a hold. Either way, the gap between repo and prime is fixed, so any further move directly changes what buyers pay on a new bond, and what existing bondholders pay on a variable-rate loan.

Why it matters beyond the headline number 👉 A small change in the interest rate has an outsized effect over a 20-year bond term. Buyers budgeting for a home should stress-test their affordability against a rate that's a percentage point higher than today's, instead of just looking at today's number.

Not sure how a rate change affects your bond application or existing loan? Our team can walk you through it.

🏠 www.fivaz.co.za

Address

Building 29 Oxford Office Park 3 Bauhinia Street Highveld Techno Park Centurion
Centurion
0157

Opening Hours

Monday 08:00 - 16:00
Tuesday 08:00 - 16:00
Wednesday 08:00 - 16:00
Thursday 08:00 - 16:00
Friday 08:00 - 16:00

Telephone

+27126636227

Website

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