Mosaic Insights

Property guidance for South African trustees, owners and investors

Rental administration, body corporate management, Homeowners' Association governance and prepaid utilities — explained clearly by the people who run these services every day, for the South Africans who have to manage them.

Rental Administration

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Lease administration, tenant placement and screening, rental collections, deposit handling, maintenance management and statutory compliance for South African property owners.

Rental Administration

How do I vet a tenant in South Africa?

A bad tenant costs a Johannesburg Property Owner more than a vacant month — it costs the eviction, the legal fees, the arrears written off and the damage at hand-back. Most Property Owners assume the National Credit Act governs tenant vetting; in fact, section 8(2)(b) of that Act specifically excludes a lease of immovable property from the definition of a credit agreement. The vetting bar is set instead by the Consumer Protection Act, the Protection of Personal Information Act and the Rental Housing Act — and by what the courts will accept as a defensible placement decision. This is the structured process Mosaic Home Services runs on every applicant, with the documents, the ratios and the worked numbers.

2 June 2026 8 min read

Rental Administration

Rental Collections via Regulated Debit Order

When rental collection depends on a tenant remembering to make an EFT each month, late payments are inevitable. Mosaic Home Services operates as a PASA-registered Third-Party Payment Provider, collecting rent directly on the contractual due date through the regulated banking payment rail.

20 May 2026 8 min read

Community Scheme Management

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Levies, reserve funds, trustee and director duties, Annual General Meeting procedure, Sectional Titles Schemes Management Act, Share Blocks Control Act and Community Schemes Ombud Service compliance, conduct rules and dispute resolution for sectional title schemes, Homeowners' Associations and share block companies.

Community Scheme Management

What is a master Homeowners' Association?

Mixed-use developments such as Melrose Arch, The Rubik and The Pearls are not single schemes. They are layers - an overarching master association sitting above subsidiary sectional title schemes and Homeowners' Associations, each with its own board, its own budget and its own levy. This guide explains how a master Homeowners' Association is constituted under South African law, how powers are moved between the layers, who is actually the member, and why two levy invoices is not double billing.

29 September 2026 17 min read

Community Scheme Management

What insurance must a body corporate have?

Body corporate insurance is more than a policy renewal. This practical guide explains the Sectional Titles Schemes Management Act requirements for replacement-value cover, premiums, claim proceeds, owner access to policy documents and the questions every sectional title scheme should ask before renewal.

15 September 2026 8 min read

Community Scheme Management

Can a Johannesburg estate HOA switch off your access app over unpaid levies?

When a Gauteng estate resident fell into arrears, the HOA disabled his visitor-access app but left his biometric estate access untouched. The High Court had to decide whether that was self-help spoliation or a lawful, limited restriction — with real lessons for every Johannesburg estate HOA and every owner in arrears.

8 September 2026 8 min read

Prepaid Utilities & Wallet

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Prepaid electricity, water and gas on-billing, meter accuracy, tariff structuring, recovery rates and resident-facing transparency.

Prepaid Utilities & Wallet

Prepaid vs postpaid electricity in South Africa: which actually costs less?

Prepaid electricity is sold as the budget-friendly option, but the tariff structures, National Energy Regulator of South Africa service charges and inclining-block thresholds tell a more nuanced story. Here is the real rand-for-rand comparison across Eskom and municipal supply areas, and the household profiles for which each option actually wins.

28 July 2026 10 min read

Prepaid Utilities & Wallet

Ekurhuleni July 2026 utility tariff hikes explained

From 1 July 2026 City of Ekurhuleni residents face proposed tariff increases averaging 9.01% on electricity, 11% on water, 8.35% on sanitation, 3.7% on refuse and 2% on property rates. The Energy Business Unit has also restructured residential tariffs A.1 and A.2 from inclining-block to flat-rate kWh charging. Mosaic Wallet gives Ekurhuleni residents real-time consumption visibility, automated PayShap top-ups and per-property utility recovery to absorb the hikes without disrupting cash flow.

17 June 2026 7 min read

Prepaid Utilities & Wallet

Joburg July 2026 utility tariff hikes explained

From 1 July 2026 City of Johannesburg residents face approved tariff increases of 8.63% on electricity, 12.5% on water, 11% on sanitation and 6.2% on refuse. Prepaid customers gain a slightly lower electricity ceiling, but the rand impact lands in every household budget. Mosaic Wallet gives residents real-time consumption visibility, automated PayShap top-ups and per-property utility recovery to absorb the hikes without disrupting cash flow.

9 June 2026 7 min read

Property Investor

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Johannesburg Stock Exchange listed property, the FTSE/JSE South African Listed Property Index, Real Estate Investment Trust distributions, yield analysis and the weekly Stock Exchange News Service roundup for South African property investors.

Property Investor

JSE Property Roundup - 14 Aug 2026

The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.

14 August 2026 5 min read

Property Investor

JSE Property Roundup - 7 Aug 2026

The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.

7 August 2026 5 min read

Property Investor

JSE Property Roundup - 31 Jul 2026

The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.

31 July 2026 5 min read

New Developments

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Showcasing the latest and most exciting property developments in South Africa.

First articles publishing soon

We are preparing in-depth, practitioner-written guidance on new developments. Check back soon to learn more.

Most read in the last 90 days

  1. Ekurhuleni July 2026 utility tariff hikes explained
  2. Joburg July 2026 utility tariff hikes explained
  3. Sectional Title Reserve Funds & 10-Year Plans
  4. Prepaid vs postpaid electricity in South Africa: which actually costs less?
  5. How long does a Prevention of Illegal Eviction Act – compliant eviction take in Gauteng in 2026?