A rates clearance certificate confirms municipal rates and taxes are paid to a future date so transfer can lodge. For Howick and many Midlands properties this is issued by uMngeni Municipality.

How it works

• Conveyancer applies for clearance figures
• Municipality quotes an advance (often covering several months ahead)
• Buyer typically pays the clearance amount via the conveyancer
• Certificate is lodged with the transfer documents

Delays often come from incorrect account details, arrears or slow municipal turnaround — raise rates queries early. More: seller rates clearance.