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

Rental Administration

Johannesburg Rental Administration Services

Effective rental administration in Johannesburg demands more than rent collection. Mosaic Home Services provides structured, technology-enabled rental administration for property owners, investors and residential portfolios across Gauteng — protecting rental income, reducing administrative burden and improving long-term property performance.

15 May 2026 9 min read

Rental Administration

How a PPA Trust Account Protects a Landlord's Rent

Every rental administrator in South Africa must hold tenant rent in a regulated trust account under the Property Practitioners Act, audited annually and supervised by the PPRA. Mosaic Home Services does not commingle: a separate regulated trust account is opened in the owner’s name for every property-owner record, ring-fenced from Mosaic, and visible directly to the owner on the bank’s own platform 24/7.

12 May 2026 9 min read

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  4. Johannesburg Body Corporate Reserve Fund Minimums
  5. How a PPA Trust Account Protects a Landlord's Rent