Transparent
Live bank feeds for the Administrative and Reserve Funds. Statements, invoices, and monthly management accounts on demand — encrypted PDFs, ready when you are.
For Property Owners & Trustees
Your scheme.
Your scheme.
In your pocket.
Run by a team who cares.
Mosaic Community Services is a technology-led managing agent for South African body corporates and Homeowners' Associations. See live bank feeds. Attend AGMs from anywhere. Pull a statement in seconds. Built by an owner-run team that treats your scheme the way we would treat our own.
From R 150 / unit / month
Excl. VAT · All-inclusive community management
Built for the way owners actually live
Four promises that change how your scheme is run. Every one of them is already in the portal — not a roadmap.
Governed
Hold AGMs in our own browser-based meeting room. Digital proxies with on-screen signatures. Auto-numbered resolutions. STSMA-compliant agendas built in.
Connected
WhatsApp, email, and in-app messaging — targeted to All Owners, All Residents, the Trustees, or any individual. Notices that arrive on time, every time.
Secure
Two-factor sign-in via email and WhatsApp. Tier-one password hashing, end-to-end encryption, and an audit log on every action. Bank-grade security, by design.
Signature Capability
Financial operations — built like a bank, not a spreadsheet
The single biggest reason owners lose trust in a managing agent is opaque money. Mosaic runs the entire financial stack — revenue, payments and accounting — on one platform with the controls, segregation of duties and audit evidence a trustee can defend at any AGM.
- Revenue, billed and recovered automatically — budgets per financial year, levies calculated by participation quota, invoices, credit notes, penalties, statements and clearance certificates — all generated from the same record of truth, no Excel rebuilds.
- Payments with 4-eyes control — every disbursement is loaded by one user and approved by another, with the loader and approver named on every transaction. No single person can move scheme money.
- Live bank confirmation — payment status flows from Loaded → Approved → Sent to Bank → Confirmed in the portal as the bank acknowledges each instruction. Owners see the same status the trustees see.
- Full general ledger — chart of accounts, bank reconciliation, journal entries, financial reporting and a current-vs-previous financial-year comparison, ready for the auditor without month-end heroics.
- Tamper-evident audit log — every payment, journal and approval is timestamped, user-stamped and IP-stamped. The event log is visible to administrators and exportable for the audit file.
- Owner self-service — statements on demand, payment history and clearance status pulled from the live ledger 24/7, eliminating the “please send me my statement” email queue.
The risk we remove: Unauthorised payments, missing audit trail, late or wrong levy bills, unrecoverable arrears, and the trust collapse that follows the first unexplained transaction.
Request a Financial Walkthrough
Signature Capability
Reserve fund management, with the bank in plain sight
STSMA §3 requires every body corporate to hold a reserve fund. Few managing agents show the trustees what is actually in it. Mosaic connects directly to the scheme's reserve-fund bank account, pulls the available balance from the bank in real time, and writes every transfer to a tamper-evident audit log.
Live bank balance
The reserve-fund balance is fetched from the bank's API on every page load. No screenshots. No month-old PDFs.
STSMA-compliant maintenance plan
The 10-year maintenance plan that funds the reserve is captured, costed and reviewed annually — ready to evidence at audit and CSOS.
Tamper-evident audit log
Every reserve-fund event — balance enquiry, transfer initiation, approval — is timestamped, user-stamped and IP-stamped, exportable for the audit file.
The risk we remove: Reserve funds drained without trustee knowledge, audit findings on missing maintenance plans, and the year the geyser fails and no one knows whether the scheme can pay.
Signature Capability
Radical transparency — the same screen the trustees see
Most managing agents send owners a one-page summary at year-end. Mosaic gives every owner and trustee live, read-only access to the actual bank feed and the receivables ledger, every day of the year. No requests. No delays. No edited screenshots.
The bank statement, pulled from the bank
Real-time transaction history straight from the scheme's bank, via secure read-only API. Last 90 days. Latest first.
Date
Description
Amount
Balance
12 May
Levy — Unit 14
+R 4,250.00
R 418,558.55
11 May
Garden Service — April
−R 6,800.00
R 414,308.55
10 May
Levy — Unit 07
+R 4,250.00
R 421,108.55
09 May
Municipal Water
−R 12,440.00
R 416,858.55
08 May
Levy — Unit 03
+R 4,250.00
R 429,298.55
Read-only API
Who owes the scheme — in one screen
Outstanding balances per property at month-end, calculated from committed transactions only. Filter to Outstanding Only to see arrears at a glance.
Property
Balance
Unit 04 — Section 4
R 12,750.00
Unit 09 — Section 9
R 8,500.00
Unit 17 — Section 17
R 4,250.00
Unit 22 — Section 22
R 3,180.00
4 Properties
R 28,680.00
Committed only
The risk we remove: The owner who has to email three times to get a balance. The trustee who only finds out at AGM that arrears doubled. The chairperson who cannot answer "how much is in the bank?" without phoning the agent.
Signature Capability
Integrated utilities management, end-to-end
Sub-metering disputes are the single biggest source of risk and arrears in South African community schemes. Mosaic does it differently — we own the entire utilities chain in-house, from the meter on the wall to the recovery on the levy statement.
- Smart metering hardware — LoRa, NB-IoT and Sigfox electricity, water, sewerage and gas meters, including remote-valve-controlled units for leak isolation and prepaid behaviour. LoRa® NB-IoT Sigfox
- Automated readings — daily IoT telemetry into our device platform; no estimated reads, no missed months, no clipboard rounds.
- Tariff & VAT engine — municipal tariff structures, stepped blocks, fixed charges and VAT applied automatically per unit.
- On-billing & recovery — utility consumption is added to each owner's monthly levy statement, reconciled to the bank, and visible in the owner portal.
- Mosaic Wallet integration — residents pay for water, electricity and gas through the wallet, with a single payment reference and instant receipts.
- Leak & abuse alerts — the platform flags abnormal consumption and remotely closes valves on compromised meters before it becomes a body-corporate problem.
The risk we remove: Unrecovered municipal accounts, disputed estimates, prescription on old debt, and the cash-flow shock of a bulk water bill no one budgeted for.
Request a Utilities Audit
Signature Capability
Integrated access control, built in — not bolted on
Most managing agents hand access control off to a third-party app and a separate vendor. We do it ourselves — the same platform that runs your finances controls your gates, your visitors and your facial recognition. One supplier. One support line. One audit trail.
- Visitor pre-authorisation — owners and residents issue QR / PIN passes from the portal with time windows, single-use or recurring access for domestic and contractors.
- Facial recognition — opt-in enrolment of 3–10 photos per member, integrated with the gate hardware for hands-free entry.
- Cards, fobs & biometrics — managed centrally, issued and revoked from the same record as the owner / member.
- Live access logs — every gate event timestamped, searchable and exportable; trustees see in-and-out history per unit.
- Emergency lock-down & broadcast — trustees can close all access points and trigger a community-wide WhatsApp / email notice in seconds.
- One audit trail — access events sit alongside levy, meeting, communication and financial logs — no third-party data silo to subpoena.
The risk we remove: Finger-pointing between the managing agent and the access-control vendor when a card stops working, a visitor is denied entry, or an incident needs forensic review.
Request an Access ReviewWhat you'll see, the day you sign
Your scheme's bank, in real time
Secure live bank-feed connection. Last 90 days, read-only. No more "we'll send the statement on Friday."
Admin FundR 412,308.55
Reserve FundR 1,287,440.10
Levy — Unit 12+R 4,250.00
Garden Service−R 6,800.00
AGM in your slippers
Browser-based HD video. Live agenda, live voting, server-side recording — all built into the portal.
Item 6 — BudgetIn Progress
For68%
Against22%
Quorum (PQ)Met
Vote without being there
SHA-256 hashed proxy keys, on-screen signatures, instructions per item: For / Against / Abstain / Discretion. Withdraw any time.
Proxy HolderJ. van der Merwe
Resolution AGM-2026-03For
Resolution AGM-2026-04Against
StatusActive
Your statement, on demand
12-month account history, downloadable as an encrypted PDF. Always use the same payment reference.
Opening BalanceR 0.00
Levy — AprilR 4,250.00
Payment — April−R 4,250.00
Closing BalanceR 0.00
Reasons owners switch to Mosaic
Tangible numbers from a managing agent that has nothing to hide.
24/7
Owner Portal Access
IoT
Full Utility Recovery, Every Cent
In-House
Facilities Team Protecting Property Value
Live
Access Control Audit Trail
Request a community management proposal
Tell us about your scheme. We'll come back to you within one business day with a tailored proposal — no obligation, no pressure.