Help Centre
Plan your numbers with the calculators below, get your questions answered, then download the app when you’re ready to search, tour, and sign.
Work out monthly repayment on any bond amount, interest rate, and term.
Find the maximum bond you qualify for based on SA bank rules (30 % DTI).
See the real cost of renting vs buying over 5, 10, or 20 years.
Transfer duty, conveyancing, and bond registration fees at a glance.
What landlords are likely to ask upfront based on your risk profile.
Printable SA move-in list — lease, utilities, SARS, POPIA.
Sectional title, FFC, TPN, FICA — plain-language definitions.
Top answers about verification, escrow, language support, and more.
Browse listings, tour virtually, and manage deposits on the go.
Can’t find what you need? Drop us a message.
What will your monthly repayment be? Punch in the numbers and see the principal-vs-interest split over your full loan term.
Estimate your monthly bond repayment. Based on South African bank level-payment amortisation at current prime rate.
Monthly repayment
R 24 383
Total interest
R 3 602 018
Total paid
R 5 852 018
Principal vs interest over time
How much bond could you qualify for? Based on the 30 % debt-to-income rule SA banks apply on home-loan assessments.
Estimate the maximum bond you’d qualify for based on the 30 % debt-to-income rule South African banks use when assessing home-loan applications.
Maximum bond
R 968 897
Based on a monthly repayment of R 10 500 (30 % of gross minus existing debt).
Your monthly income breakdown
Is buying cheaper than renting over the horizon you care about? Factors in transfer duty, bond repayment, rental inflation, property appreciation, and the opportunity cost of your deposit. Break-even year surfaces if/when buying overtakes renting.
Compare the real cost of renting vs buying over 10 years. Factors in transfer duty + conveyancing + bond registration, annual rental inflation, property appreciation, and the opportunity cost of your deposit if you invested it instead.
Over 10 years
Buying wins by R 1 552 062
Break-even point: buying becomes cheaper than renting from year 1.
Cost of renting
R 2 557 320
net of investment growth on deposit
Cost of buying
R 1 005 258
net of property appreciation + equity
Monthly bond repayment
R 24 383
Up-front buy costs
R 134 700
transfer duty + attorney + bond reg
Budget flag: the monthly bond (R 24 383) + levies (R 2 500) + your existing debt is 66% of gross \u2014 SA banks generally cap this at 30%.
Cumulative cost over time
One-time cash you need at transfer — on top of your deposit. Uses the current SARS transfer-duty brackets plus the Law Society conveyancing + bond-registration scale.
One-time costs at transfer — on top of your deposit. Uses SARS 2026 transfer-duty brackets + the Law Society of SA recommended conveyancing + bond registration scale. VAT (15 %) is included on the attorney fees.
Note: Estimates only. Actual fees vary between conveyancers and with property specifics (sectional title, new build, off-plan, etc.). Get a firm quote from your attorney before signing.
Total upfront at transfer
R 124 101
Plus your R250k deposit, payable to the transferring attorney.
Transfer duty (SARS) Progressive SARS brackets | R 67 200 |
Conveyancing (attorney) Law-Society scale + 15 % VAT | R 33 695 |
Bond registration Bond-scale fee + 15 % VAT | R 21 706 |
Deeds Office + admin Searches, FICA, postages | R 1 500 |
Expected security deposit for SA rentals. Based on monthly rent, your risk profile (TPN + credit), and any pet or furnished-unit add-ons.
Landlords in SA usually hold 1 – 2.5x monthly rent as a refundable deposit. The exact figure rides on your risk profile (credit + TPN history), plus any pet or furnished add-ons. This is an estimate, not a rule — landlords set their own terms within the Rental Housing Act.
POPIA + Rental Housing Act: Your deposit must be held in an interest-bearing account, and the interest accrues to you. On exit, the landlord has 7 days (no dispute) or 21 days (dispute) to refund. Liivra Pay holds deposits in a law-firm trust account so this is automatic.
Refundable deposit estimate
R 18 000
1.5x your monthly rent — refundable when you vacate, less any agreed deductions.
Cash needed before move-in
R 31 000
Excludes utility deposits (City of Joburg, eThekwini, etc.) which are usually billed separately by the municipality.
The SA essentials for the first 48 hours in a new rental — lease paperwork, utility transfers, SARS + FICA updates, POPIA consent log. Tick as you go, print or save as PDF.
0 of 22 done — 0% complete
Before you sign — and on the day you sign
Get the lights, water, and internet in your name
Keep SARS, banks, and insurers current
Manage who has your personal data
On the day itself
Disclaimer: General guide for SA residential tenants. Does not replace legal advice. Rental Housing Act + POPIA provisions apply.
Sectional title, FFC, TPN, FICA — every acronym you’ll run into when renting or buying in South Africa, in plain language.
The SA property world is acronym-heavy. 21terms you’ll run into, plain-language — tap to expand.
Everything about how Liivra works, grouped by topic. Can’t find your question? Drop us a message.
What Liivra is and who it's for.
Liivra is a South African property marketplace for renting, buying, and flat-sharing in one app. Beyond listings, it adds 360°/3D virtual tours, AI matching and pricing, verified landlords and agents, inline TPN screening, and Liivra Pay escrow for deposits — so you can find a home, tour it, and trust the deal end to end.
Searching, touring, saving, comparing, and applying are free for tenants and buyers — always. We charge Landlords, Sellers, and Agents to publish Listings and for value-added services like 3D captures, AI Valuations, and tenant screening. See the Pricing page for current plans.
The app ships in English first. Isizulu, Afrikaans, and Sesotho translations are in progress for the 2026 H2 release. Property listings keep their original language; app chrome and legal documents translate together so nothing is half-translated.
Yes. Every screen is keyboard-navigable and tested with NVDA + VoiceOver. 360° tours include narrated descriptions on request (tap the audio icon on the tour viewer). If anything fails accessibility tests on your setup, email accessibility@liivra.com — we fix fast.
Listers can declare house rules up front so there are no surprises — pets, smoking, overnight guests, quiet hours, vegetarian-friendly, LGBTQ+ friendly, and student friendly. Only the rules a lister actually sets are shown; a blank rule means 'not specified', not 'no'. In the app, listers can add more household context too — languages spoken, dietary or religious observance, shared services (domestic, garden, pool), and how utilities are split.
Step-by-step for common actions on app and web.
One account holds every role you've added, so you don't need a second login. In the app: open the Profile tab and tap the role chip at the top, then pick the role you want from the Switch role sheet. On the web: go to your Dashboard and use the role pills at the top (Operator / Tenant / Buyer). If you only hold one role, add another first from Profile → roles, and the switcher appears.
In the app: open My Listings, tap the ⋮ menu on the listing, and choose Edit, Pause, or Mark as taken / Delete. On the web: go to Dashboard → Listings and use the row actions. Edits go live immediately; pausing hides the listing from search without losing it, and you can re-publish any time.
Tap the heart icon on any listing card or detail page to save it. Find everything you've saved under Saved (the heart tab in the app, or Saved in the web menu), and add up to four saved homes to Compare. Saving is free and doesn't notify the landlord.
Open the listing and tap Message (or Enquire) to start an in-app chat — keep the conversation on Liivra so it's logged and protected. Phone and WhatsApp contact details are revealed after a tour or application is confirmed (and on Pro tiers), so early chats stay in-app for your safety.
Language follows your device setting today, with the app shipping in English first. In-app language selection for Isizulu, Afrikaans, and Sesotho arrives with the 2026 H2 translation release, under Profile → Settings → Language. Listing content stays in the language the lister wrote it.
In the app: Profile → Settings → Delete account. On the web: Account → Settings → Delete account. Deletion starts a 30-day cooling-off window during which you can reactivate by signing back in; after that your profile is anonymised. Some payment and audit records are retained where law (FICA / SARS) requires.
Tap Create account in the app, or Register on the web. Enter your name, email, phone, and a password (at least 8 characters), pick your role (tenant, buyer, landlord, seller, or agent), and accept the Terms + POPIA consent. We email a 6-digit code to verify — enter it and you're in. Sign-in is email + password; there's no social or phone-only login yet.
Right after sign-up we email a 6-digit code. Enter it on the verification screen to activate your account. Didn't get it? Wait for the 60-second cooldown, then tap Resend. Codes expire, so if yours has, just request a fresh one — your account stays unverified until you confirm.
Tap Forgot password on the sign-in screen. In the app you can reset by email or by phone (SMS); on the web, by email. We send a 6-digit code — enter it, then set a new password (at least 8 characters). For security we never email your existing password.
In the app, go to Profile → Settings → Notifications to toggle each category — payments, applications, lease & escrow, messages, tour requests, new matches, reviews, and price alerts — plus a WhatsApp messages switch. Marketing is off by default (opt-in); security alerts are always on. The app has the full set of controls today; web notification settings are rolling out, so for now the web shows your notifications inbox.
Finding the right home, faster.
Use the search bar or map to filter by suburb, price, beds, and property type, or type a plain-English query like "2-bed under R12k near Rosebank". Save any search to get alerts when new matches go live. Switch between list and map views at any time.
Liivra learns from what you save, view, and enquire on, then ranks listings by how well they fit your stated needs and behaviour — surfacing a personalised "Best match" rail. It never changes the facts of a listing, only the order, and you can always sort by price, date, or distance instead.
Yes. Tap Save on any search to store the filters, then choose instant, daily, or weekly alerts. We notify you in-app and by email when new listings match. Manage or mute saved searches any time from your profile.
Yes. Add up to four saved homes to Compare and view price, size, beds/baths, amenities, and proximity to schools and transport in one table — so you can weigh trade-offs without flipping between tabs.
Liivra's AI Smart Pricing gives an estimated value with a low–high range. You get a free Quick Estimate while creating a listing (Step 2 of the Add Property wizard), and landlords, sellers, and agents can run it from the 'What's your home worth?' card on the home screen, or re-run it on an existing listing. A one-off refresh is R 49, or R 149/month for unlimited re-runs; Premium and agent plans include refreshes.
The estimate blends suburb price data, property type, beds and baths, floor and erf size, and the amenities you've listed, then shows a confidence range (roughly ±10%) and a handful of real comparable listings nearby. Treat it as a data-driven guide to anchor your pricing — it isn't a formal bank valuation or a sworn appraisal.
For landlords, sellers and agents.
Sign in, choose Add Property, and step through the wizard — basics, media, pricing, location, compliance (FFC / title deed), then review and publish. A live AI Quality Score and AI Quick Estimate guide you as you go. Average completion is about 12 minutes, and you can save drafts and come back.
Active Listings stay live until you mark them as taken. After that the Listing archives and is kept for 24 months for audit, then anonymised. Private-landlord rental placements run for 90 days, with a freshness nudge along the way; you can renew, delete, or re-publish from your dashboard any time.
Unlimited photos, a floor plan, a video walkthrough, plus optional 360° tours and 3D dollhouses. The wizard checks image quality and flags blurry or duplicate shots. Better media measurably lifts enquiries, so the AI Quality Score rewards a complete gallery.
It's a short guided wizard: (1) choose Rent or Buy and the property type; (2) details and pricing — the fields adapt to rent vs sale; (3) indoor features and amenities; (4) availability, viewings, and what's nearby; (5) media — photos, floor plan, video, and optional 3D/360; (6) review and publish. A live AI Quality Score and AI Quick Estimate guide you, you drop a map pin so buyers can place the home, and you can save a draft and finish later. Most listers are done in about 12 minutes.
The wizard adapts to your intent. A Rent listing captures the monthly rent, deposit and who holds it, lease term and annual escalation, what's included (water, electricity, Wi-Fi), and — for a room or student digs — the flat-share household block; you can also switch on Liivra Pay escrow for the deposit. A Sale listing instead captures the asking price, ownership type (freehold or sectional title), monthly levies and rates, body-corporate details, compliance certificates (electrical, gas, and so on), and title and zoning info. Photos, location, amenities, and your description are shared by both.
For Rent: a room, student digs, studio, bachelor, apartment, house, townhouse, cottage, and more. For Sale: apartments, houses, townhouses, cottages, plots, farms and agricultural land (plus RDP resale). Rooms and student digs are rent-only and unlock the flat-share household block. Commercial types (office/retail, warehouse/industrial) are reserved for verified EAAB agents.
When you list as an agent you declare your mandate type — open, sole, exclusive sole, or joint. For sole and exclusive-sole mandates you upload the signed mandate document at the details step; this protects sellers and lets Liivra resolve sole-mandate conflicts fairly. You also need a valid EAAB / PPRA Fidelity Fund Certificate on file to publish, and we revalidate it annually.
As you build a listing, a live AI Quality Score rates how complete and compelling it is, nudging you to add more photos, a floor plan, a fuller description, and immersive media. Higher-scoring listings consistently get more views and enquiries, so it's worth pushing the score up before you publish. You also get a free AI Quick Estimate to anchor your asking price or rent.
Yes — and in South Africa it's a real selling point. On any listing you can flag energy and water resilience: solar, a backup battery or inverter, a borehole or tank, prepaid electricity, gas, fibre, and municipal water, plus an optional estimated monthly utility cost. These appear as a Spotlight on the listing so buyers and tenants can read load-shedding and water-shedding readiness at a glance.
When you list a property for sale you can record the compliance certificates a transfer needs — electrical (CoC), gas, plumbing/water, electric fence, and beetle — along with their issue dates. Capturing them up front speeds up conveyancing and signals a clean, transfer-ready sale to serious buyers.
Yes. When you create a rental listing you can mark whether short stays are allowed, alongside the lease term and a minimum stay. Set it on the details step so seekers looking for short-let or flexible terms can find your place, and pair it with a 360° tour to convert remote enquiries.
360° tours and 3D dollhouses.
A 360° tour is a set of panoramic images you pan around in each room. A 3D dollhouse is a full interactive walkthrough of the whole floor plan — rotate, zoom, and view the layout from any angle. You can add either or both to any Listing.
In the Add Property capture step, pick a tier and follow the on-screen guide to walk the property with your phone. iPhone Pro devices can use on-device LiDAR; every phone can produce a video-based dollhouse or 360° tour via Liivra's cloud processing. You can also book a Liivra capture creator to do it for you.
Self-capture tiers are affordable: a 3D dollhouse from R 99, a 360° virtual tour R 79, or the bundle R 129 (cheaper than buying both); LiDAR on supported iPhones is R 199. A Pro 'book a creator' capture costs more for a professional on-site visit. Exact prices also show in the capture step and on the Pricing page, and agent plans include a monthly scan allowance.
You capture with your phone in the Add Property flow and Liivra processes it in the cloud. A short walkthrough video becomes a 360° virtual tour — pannable panoramas with room-to-room hotspots — and/or a 3D dollhouse you can spin and zoom to inspect the whole layout. On a LiDAR iPhone (12 Pro and newer) you can scan room geometry on-device with Apple RoomPlan for the sharpest result. Buyers explore all of it right on the listing — it's the 'Tour it' in Find it, Tour it, Trust it.
No. Any modern phone can produce a 360° tour or a 3D dollhouse from a simple walkthrough video — the heavy processing runs in Liivra's cloud, not on your handset. LiDAR-equipped iPhones (12 Pro and newer) get an extra on-device scan option (Apple RoomPlan) for crisper geometry, but that's a bonus, not a requirement. Prefer not to DIY? You can book a Liivra capture creator to come and do it.
Booking and attending in-person viewings.
Open a listing, tap Request tour, and pick a slot. The host confirms within 24 hours, and you'll get reminders 24 hours and 2 hours before. Tours are always free. Your contact details stay private until both sides confirm.
Yes — automatic reminders 24 hours and 2 hours before, by push and email (and WhatsApp where you've opted in). If plans change, you can reschedule or cancel from the tour, and the host is notified instantly.
Open the tour from your Tours list and choose Reschedule or Cancel. Pick a new slot or confirm the cancellation, and the host is notified right away. There's no penalty for cancelling a free tour, but please give the host reasonable notice.
From a listing or a chat, request a voice or video call and pick a time, length, and whether it's recorded (with consent). The agent or host is notified and can accept, decline, or propose another time. If they're not available live, request a call-back — agents respond within 72 hours. Calls run inside Liivra, so your number stays private until you choose to share it.
Applying to rent and tenant vetting.
Open a rental listing and tap Apply, then complete the application wizard — ID, proof of income, and references. TPN screening runs inline. The landlord or agent reviews and decides, typically within about 48 hours, and you're notified in-app and by email.
TPN (Tenant Profile Network) is South Africa's industry-standard credit and rental-history check. When you apply, TPN runs the check inline and returns a risk profile. Only the Landlord or Agent receiving your application sees the result — never other users, and never us beyond audit storage.
Cancel any time before landlord acceptance from Applications → Withdraw. For payments, if you've paid a deposit into Liivra Pay and both parties haven't countersigned, the full amount refunds within 3 business days. See our Complaints Process for escalation.
Making an offer and the path to transfer.
On a for-sale listing, tap Make Offer and enter your amount and conditions. The seller or agent can accept, counter, or decline, and you'll be notified of each step. Offers carry an expiry so neither side is left waiting.
Once an offer is accepted, the OTP is signed on wet ink — South African law (ECTA Schedule 2 + the Alienation of Land Act) requires a handwritten signature on a property sale, so it can't be e-signed. Liivra digitises everything around it: capturing terms, coordinating the conveyancer, and holding the deposit in Liivra Pay until conditions are met.
Yes. From a for-sale listing you can tap to get pre-approved, which deep-links you to an independent, licensed bond originator (such as ooba or BetterBond) with your property context pre-filled. The rate you get from the bank is identical whether you go via Liivra or direct; Liivra earns a referral fee from the originator, never from you.
List your home for sale, then buyers make offers you can accept, counter, or decline. When you accept, you choose a conveyancer from Liivra's verified panel, both parties upload the wet-ink-signed Offer to Purchase, the deposit is handled (via Liivra Pay escrow or the conveyancer's trust account), and you mark the transfer complete once the deeds register. You can sell privately or with an EAAB agent.
Listing is a one-off placement fee — R 1 999 for 90 days, or R 3 499 for 180 days on Premium. A success fee of R 14 999 (flat up to R 3m, a small taper above that, capped at R 49 999) applies only if you use Liivra Pay escrow to mediate the sale — sell through a conveyancer without escrow and there's no success fee. Sales an EAAB agent mediates are charged at a lower escrow-only rate.
What things cost and how you pay.
South African cards (Visa, Mastercard), instant EFT, and pay-by-bank via Paystack, Ozow, and Stitch, plus crypto on select plans. Rental and deposit payments route through Liivra Pay escrow. All prices are in ZAR and include 15% VAT.
A private landlord rental listing is a single R 279 payment for a 90-day placement — no auto-renewing monthly fee. That's well under the comparable portal price, and it includes verified-landlord placement, in-app chat, map and amenities, and AI matching. Identity verification is a separate one-off.
Agent Solo is R 499/month; Agent Team (R 1 799) and Agency (R 5 999) scale up with seats, included 3D scans, analytics, and API access. Plans are month-to-month with no lock-in and a 14-day free trial, and every tier bundles escrow, 3D, and AI matching that à-la-carte portals charge separately for. See the Pricing page for current figures.
API access and data feeds — read-only listings, sold comparables, and AI valuation — are available to agencies and enterprise partners; get in touch to be set up. Self-serve bulk import and CRM sync for agent portfolios are on the roadmap, and in the meantime our team can help larger agencies onboard their stock. Reach out via Contact.
How money is held and released.
Liivra Pay holds tenant deposits and rental payments in a regulated trust account until both parties confirm the deal. Funds release automatically on lease countersign (for deposits) and on the due date (for rent), with a full audit trail on every movement. It's the first integrated deposit-protection escrow on a SA property marketplace.
Your deposit sits in the Liivra Pay trust account, not the landlord's pocket. It releases to the landlord on move-in confirmation, and back to you at lease end within 7 working days unless the landlord raises a documented dispute — which routes to our resolution process rather than a stand-off.
If a deal falls through before both parties countersign, money held in Liivra Pay refunds in full to the payer, typically within 3 business days. Placement and service fees follow the policy shown at checkout (for example a 72-hour withdrawal window on listing fees). Disputes are reviewed case-by-case via the complaints process.
For deposits, the money sits in the Liivra Pay trust account and releases to the landlord once move-in is confirmed; at lease end it returns to the tenant within 7 working days unless there's a documented dispute. Deposit holding and release are live today. In-app monthly rent collection (auto-debit) is rolling out — until it lands, the rent itself is arranged directly between tenant and landlord.
Verification, reviews, reporting and disputes.
Every Landlord completes identity verification (Liivra's in-house pipeline + SA ID) plus title-deed or power-of-attorney confirmation. Agents also supply a current EAAB / PPRA Fidelity Fund Certificate. Verified users show a badge on their Listings, and the check is revalidated annually.
ID verification is required for landlords before they list and for tenants before they apply, so both sides know who they're dealing with. It's powered by an SA ID + biometric check and takes about two minutes. Your documents are stored securely and shared only as needed for the application.
After a tour or a lease, both parties can review each other. Reviews are tied to real, completed interactions — not anonymous drive-bys — so they build genuine trust on the platform and help good tenants and good landlords stand out.
Open the listing's share sheet and tap Report listing, or use Messages → Report for a person. Our Trust & Safety team reviews reports, and repeat offenders are suspended (and flagged to the EAAB where they're a registered agent). Never pay anyone outside Liivra Pay before you've toured and verified a property.
Open the dispute via Messages → Report. Our Complaints Officer reviews within 2 business days. Tier-1 disputes resolve in-platform; unresolved deposit or rental cases escalate to the Rental Housing Tribunal in your province — free, binding, with a 60–90 day turnaround.
POPIA, data sharing and your rights.
Only with the processors we need to run the service (identity verification, TPN for screening, payment processors, cloud providers), and only the minimum data for each purpose. Your data is never sold to advertisers. The full list is in our POPIA Statement.
We collect only what each feature needs, ask for explicit consent before sharing with a processor (for example before a bond referral or a screening check), and retain screening data no longer than 90 days after an application closes. You can request access to or deletion of your data any time; see our POPIA Statement for your full rights.
Life. Connected.
Browse verified listings, walk through homes virtually, and secure your next home — every step from search to signed lease, in one pocket.
Available on iOS and Android