How you're married — or partnered — can make an enormous difference to how property is bought, sold, and owned in South Africa. Getting the details right protects everyone.
Recognition of Customary Marriages Act 120 of 1998
Customary Marriages & Property Rights
South African law formally recognised customary marriages through legislation that came into force in November 2000. The purpose was to give legal standing to marriages concluded under traditional African customary law — a significant step toward equality within the legal system.
When it comes to property, the default position for a monogamous customary marriage (where neither spouse is also a partner in any other customary marriage) is treated in essentially the same way as an ordinary marriage in community of property. Both spouses jointly own and share in all assets and liabilities accumulated during the marriage. This means that if one spouse wants to sell or bond a property that forms part of the joint estate, the other spouse's consent is required.
In a customary marriage, both partners share equally in what is owned — and that equality extends fully to immovable property.
Joint Ownership
In a monogamous customary marriage, spouses generally share ownership of all property in community of property — including any immovable property acquired during the marriage.
Antenuptial Contracts
Parties to a customary marriage can sign an antenuptial contract before the marriage to exclude the default community of property arrangement, opting for out-of-community-of-property status instead.
Proof of Marriage
A registration certificate issued by the Department of Home Affairs, confirming the customary marriage, is required when dealing with property transfers.
Practical tip: If you are in a customary marriage and want to sell or mortgage a property, your spouse will need to sign the relevant documents too — or provide a separate written consent. This isn't a technicality; it is a legal requirement that the Deeds Office will check.
A customary marriage can also be structured as out-of-community-of-property if the parties concluded an antenuptial contract beforehand. In that case, each spouse owns their own property independently, and no spousal consent is required for property transactions.
Special Rules
Polygamous Customary Marriages: Special Rules
South African law acknowledges that customary law traditionally permits a man to have more than one wife. This creates a genuinely complex situation for property law, because the rules around joint ownership and spousal consent do not map neatly onto a household with multiple spouses.
Important: Where a husband in a customary marriage wishes to enter into a further customary marriage with another woman, he is required to approach the court first. The court must approve a written contract that governs the matrimonial property arrangements for all of his marriages going forward.
For polygamous customary marriages entered into before the Recognition of Customary Marriages Act came into force, the law recognised that spouses hold joint and equal rights of ownership, management, and control over marital property. No single spouse — including the husband — has an overriding claim.
The requirement to obtain a court order before entering a second or subsequent customary marriage is intended to protect the existing wife and to create certainty about how property will be divided and managed. Without a court order setting out a property-sharing arrangement, the consequences for property registration become unclear.
| Marriage Type | Property Position | Court Order Required? |
|---|---|---|
| Monogamous customary | Community of property (default) | No |
| Polygamous (pre-Act) | Joint equal rights under customary law | No |
| Further customary marriage (post-Act) | Governed by court-approved contract | Yes — court must approve |
| Further marriage without court order | Still valid, but treated as out-of-community | Should have had one |
Courts have confirmed that even where a husband entered a further customary marriage without the required court order, the marriage is not automatically invalid. However, it is generally treated as a marriage out-of-community-of-property by default in such cases.
Amendment Act 1 of 2021
The Recognition of Customary Marriages Act: What Changed in 2021
The 2021 amendments to the Recognition of Customary Marriages Act brought some of the most significant changes to customary marriage property law in decades. If you were married under customary law — especially before the original Act was passed in 1998 — these changes may directly affect you.
November 2000
The Recognition of Customary Marriages Act 120 of 1998 comes into operation. For the first time, customary marriages are formally recognised under South African law.
Before 2021
Pre-Act monogamous marriages were treated in community of property. Polygamous marriages that pre-dated the Act operated under a special customary-law property system — a distinct category with different rules from ordinary community of property.
1 June 2021
Amendment Act 1 of 2021 comes into force. The distinction between customary marriages entered into before and after the Act commenced is removed for monogamous marriages. All monogamous customary marriages are now treated uniformly as marriages in community of property — regardless of when the marriage took place.
Post-2021
Chapter 3 of the Matrimonial Property Act 88 of 1984 now applies to these marriages. The Chief Registrar of Deeds is expected to update the way parties to such marriages are formally described in property documents.
The 2021 amendment erased the old two-tier system that treated customary marriages differently depending on when they were concluded. Today, a monogamous customary marriage is simply treated as a community of property marriage — full stop. The Matrimonial Property Act's rules about managing and transacting with joint property apply in the same way they do for civil marriages.
If your customary marriage was formerly described in property documents under the older "matrimonial property system governed by customary law" wording, a formal update to the title deed or transfer documents may be required. Your conveyancer will advise you on the correct current description.
Civil Union Act 17 of 2006
Civil Unions: Same-Sex & Opposite-Sex Partnerships
The Civil Union Act 17 of 2006 opened marriage or formal partnership registration to all couples in South Africa — regardless of gender. This was a landmark development in South African family law, extending the same legal protections and obligations to same-sex couples as to opposite-sex couples.
Under the Civil Union Act, a couple can formalise their relationship in one of two ways:
As a Marriage
Where the union is registered and solemnised as a marriage, the parties are described and treated in all legal documents — including property deeds — in exactly the same way as spouses married under the ordinary Marriage Act.
As a Civil Partnership
Where the union is registered as a civil partnership (rather than a marriage), the parties are described differently in legal documents: as "partners in a civil partnership" rather than as spouses.
In property transactions, this distinction matters because the formal description used in a deed of transfer or bond document must accurately reflect the nature of the union. The same-sex or opposite-sex nature of the relationship makes no difference to the legal treatment — what matters is whether it was registered as a marriage or as a civil partnership.
Whether you are an opposite-sex or same-sex couple, and whether you married or entered a civil partnership, the law protects your property rights equally.
It is also worth noting that where same-sex partners are married under the laws of a foreign country (rather than under South African law), the description in property documents follows the rules applicable to foreign marriages — which is discussed further below.
Key Legislation
Civil Unions & the Matrimonial Property Act
One of the most practically important features of the Civil Union Act is that it applies the Matrimonial Property Act 88 of 1984 fully and equally to civil union spouses and civil partners. This means the same rules that govern the property rights of traditionally married couples apply in exactly the same manner to civil unions.
| How the Matrimonial Property Act Applies to Civil Unions |
|---|
| A civil union registered in community of property gives both partners equal ownership of all assets and joint liability for all debts — and requires both parties' consent to sell, mortgage, or otherwise deal with shared property. |
| A civil union registered out of community of property (with or without accrual, depending on the antenuptial contract) keeps each partner's estate separate. |
| The consent rules under Section 15 of the Matrimonial Property Act apply: if the couple is in community of property, one partner cannot unilaterally sell or bond immovable property without the other's written consent. |
| That written consent must be witnessed by two competent witnesses — not merely signed in front of a commissioner of oaths. |
| If both civil union partners are present and both sign the transfer documents together, a separate consent document is not required. |
Don't assume you're out of community of property. Many couples — whether civilly married or in a civil partnership — are surprised to learn they are married in community of property because they never signed an antenuptial contract. In South Africa, the default position is community of property unless you actively chose otherwise before the wedding or registration date.
Business Arrangements
Partnerships: Business Partners Buying Property
In South African law, a business partnership does not have its own separate legal personality — it is not a company or a close corporation. It exists as the combined legal presence of its individual partners. This has direct consequences when a partnership wants to buy or sell property.
When property is purchased in the name of a partnership, the deed of transfer must include the full personal details of every individual partner: full names, identity numbers, and marital status. It is not enough simply to describe the partnership by its trading name. The document must then record that those individuals are "together carrying on business in partnership as [name of the partnership]."
Full Partner Details Required
Every partner's full name, identity number, and marital status must appear in the deed. Omitting any partner is not acceptable to the Deeds Office.
Partnership as Entity
For registration purposes, the Deeds Registries Act treats the partnership almost as a separate entity — even though it has no independent legal persona in law. This is a deliberate practical arrangement.
Dissolution
If the partnership dissolves, property registered in its name can be transferred to individual partners — either by deed of transfer or, in some cases, by endorsement on the title deed.
Where one of the partners is married in community of property, a specific rule applies: the property is registered in the name of that partner as partner — not in the name of their joint marital estate. This prevents the property effectively flowing into the couple's community estate and then becoming subject to both spouses' rights and obligations.
A Unique Situation
When Partners Are Also Married to Each Other
One of the more unusual — but not uncommon — situations that arises in conveyancing is where two people who are married to each other also run a business together as a partnership. South African law explicitly permits this arrangement, but it comes with particular rules worth understanding.
Being married to your business partner is entirely legal — and quite workable — but the property rules that apply are distinct and need careful attention.
Provided both spouses have together entered into the partnership, there is no prohibition on immovable property being registered in the name of that partnership. The law permits spouses who are married in community of property to enter into a partnership agreement together — even with each other.
Critical limitation: Where both spouses are in community of property with each other and also business partners, they cannot agree in their partnership contract that each partner holds a different share in the partnership. The reason is that their equal sharing in community of property is a fundamental rule of the Matrimonial Property Act — and a private business agreement between them cannot override what the law has already fixed.
In practice, where a couple married in community of property both participate in the same partnership, property belonging to the partnership must be vested in both their names — but described as being held in their capacity as partners in the partnership, not as joint owners of the marital estate.
International Considerations
Foreign Marriages: Whose Law Applies?
An increasing number of property transactions in South Africa involve parties who were married abroad — whether they are South Africans who married overseas or foreign nationals purchasing property here. The rules for these situations are distinct and require careful handling in the transfer process.
The starting point is a well-established principle: the legal consequences of a marriage are governed by the law of the country in which the husband was domiciled on the date of the marriage — not the country in which the wedding ceremony took place. This may come as a surprise to those who assume the law of the country where they got married automatically applies.
Example: A South African man who was domiciled in Portugal when he married will have the matrimonial property consequences of his marriage governed by Portuguese law — even if the wedding happened in South Africa. The transfer documents must reflect this, and his spouse must assist him in executing any property documents.
In practical terms, where a marriage is governed by the law of another country, a specific legal requirement applies: the spouse of the person transacting must assist by co-signing the relevant deed or document. The transfer documents must state that the marriage is governed by the law of that foreign country.
Preamble Wording
In the main body of the deed (the preamble), the party's description must state that they are "married to [name of spouse], which marriage is governed by the laws of [country], duly assisted by her/his spouse."
Vesting Clause
In the vesting clause (where ownership is formally transferred), the description is slightly shorter: "married, which marriage is governed by the laws of [country]." The name of the assisting spouse is not repeated here.
Registrar's Discretion
In certain circumstances, the Registrar of Deeds may exercise discretion and waive the requirement for the spouse to co-sign — but this is the exception, not the rule, and should not be relied upon.
Same-sex couples whose union is governed by the laws of a foreign country are treated in exactly the same way for these purposes — the same description requirements apply regardless of the gender of the parties.
Muslim and Hindu marriages: These require separate mention. Under South African law, a marriage conducted only according to Muslim or Hindu religious custom (without a civil registration) is currently not treated as a formal marriage for the purposes of property and deeds registration in the same way as a civil marriage. The parties may be described as married according to their custom — or alternatively as unmarried — in property documents. The legal landscape around Muslim marriages in particular has been under active judicial scrutiny, and Parliament has been directed to address the recognition gap.
Quick Reference
| At a Glance |
|---|
| Default position in SA = community of property |
| ANC must be signed before the marriage |
| Civil unions have full equal legal status |
| Customary marriages: 2021 law applies uniformly |
| Foreign marriage? Husband's domicile governs |
| Partnerships: all partners must be named in the deed |