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    <title>Mosaic Home Services - Insights</title>
    <link>https://mosaichomes.co.za/insights/</link>
    <description>Practitioner-written guidance for South African property owners, body corporate trustees, Homeowners' Association directors, prepaid-utility property owners and listed-property investors - including the weekly JSE SAPY-index SENS roundup.</description>
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    <lastBuildDate>Tue, 14 Jul 2026 06:30:02 +0200</lastBuildDate>
    <pubDate>Tue, 14 Jul 2026 06:30:02 +0200</pubDate>
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    <item>
      <title>How long does a Prevention of Illegal Eviction Act – compliant eviction take in Gauteng in 2026?</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-prevention-of-illegal-eviction-act-timeline-gauteng-2026.php</link>
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      <description><![CDATA[Eviction in South Africa is governed by the Prevention of Illegal Eviction Act, and in Gauteng the Magistrates' and High Court rolls add their own queue. Here is the realistic 2026 timeline, the documents required at each step, the typical legal cost, and the procedural mistakes that send property owners back to the start.]]></description>
      <pubDate>Tue, 14 Jul 2026 06:30:02 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Rental Administration</category>
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    <item>
      <title>JSE Property Roundup - 10 Jul 2026</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-07-10.php</link>
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      <description><![CDATA[The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.]]></description>
      <pubDate>Fri, 10 Jul 2026 06:31:20 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Property Investor</category>
      <category>SAPY</category>
      <dc:subject>SAPY</dc:subject>
      <category>HYP</category>
      <dc:subject>HYP</dc:subject>
      <category>APF</category>
      <dc:subject>APF</dc:subject>
      <category>HMN</category>
      <dc:subject>HMN</dc:subject>
      <category>NRP</category>
      <dc:subject>NRP</dc:subject>
      <category>MSP</category>
      <dc:subject>MSP</dc:subject>
      <category>BTN</category>
      <dc:subject>BTN</dc:subject>
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      <title>JSE Property Roundup - 3 Jul 2026</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-07-03.php</link>
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      <description><![CDATA[The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.]]></description>
      <pubDate>Fri, 03 Jul 2026 06:32:31 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Property Investor</category>
      <category>SAPY</category>
      <dc:subject>SAPY</dc:subject>
      <category>FFB</category>
      <dc:subject>FFB</dc:subject>
      <category>RES</category>
      <dc:subject>RES</dc:subject>
      <category>LTE</category>
      <dc:subject>LTE</dc:subject>
      <category>MSP</category>
      <dc:subject>MSP</dc:subject>
      <category>PPC</category>
      <dc:subject>PPC</dc:subject>
      <category>HYP</category>
      <dc:subject>HYP</dc:subject>
      <category>SEA</category>
      <dc:subject>SEA</dc:subject>
      <category>SHC</category>
      <dc:subject>SHC</dc:subject>
      <category>HMN</category>
      <dc:subject>HMN</dc:subject>
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    <item>
      <title>What happens when a Johannesburg body corporate owner stops paying levies?</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-johannesburg-body-corporate-owner-stops-paying-levies.php</link>
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      <description><![CDATA[When a Johannesburg owner stops paying levies, trustees must move quickly through a structured, lawful arrears process. This guide explains the practical escalation path, owner options, and how schemes protect cash flow without unlawful self-help.]]></description>
      <pubDate>Thu, 02 Jul 2026 06:30:01 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Body Corporate &amp; Homeowners' Association</category>
    </item>
    <item>
      <title>JSE Property Roundup - 26 Jun 2026</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-06-26.php</link>
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      <description><![CDATA[The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.]]></description>
      <pubDate>Fri, 26 Jun 2026 06:31:34 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Property Investor</category>
      <category>SAPY</category>
      <dc:subject>SAPY</dc:subject>
      <category>HYP</category>
      <dc:subject>HYP</dc:subject>
      <category>GRT</category>
      <dc:subject>GRT</dc:subject>
      <category>SRE</category>
      <dc:subject>SRE</dc:subject>
      <category>FFB</category>
      <dc:subject>FFB</dc:subject>
      <category>EQU</category>
      <dc:subject>EQU</dc:subject>
      <category>ATT</category>
      <dc:subject>ATT</dc:subject>
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      <title>JSE Property Roundup - 19 Jun 2026</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-06-19.php</link>
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      <description><![CDATA[The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.]]></description>
      <pubDate>Fri, 19 Jun 2026 06:30:54 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Property Investor</category>
      <category>SAPY</category>
      <dc:subject>SAPY</dc:subject>
      <category>VKE</category>
      <dc:subject>VKE</dc:subject>
      <category>BWN</category>
      <dc:subject>BWN</dc:subject>
      <category>SRE</category>
      <dc:subject>SRE</dc:subject>
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      <title>Ekurhuleni July 2026 utility tariff hikes explained</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-ekurhuleni-2026-tariff-hikes.php</link>
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      <description><![CDATA[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.]]></description>
      <pubDate>Wed, 17 Jun 2026 06:30:01 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Prepaid Utilities &amp; Wallet</category>
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    <item>
      <title>JSE Property Roundup - 12 Jun 2026</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-06-12.php</link>
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      <description><![CDATA[The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.]]></description>
      <pubDate>Fri, 12 Jun 2026 06:31:45 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Property Investor</category>
      <category>SAPY</category>
      <dc:subject>SAPY</dc:subject>
      <category>FFB</category>
      <dc:subject>FFB</dc:subject>
      <category>DLT</category>
      <dc:subject>DLT</dc:subject>
      <category>SRE</category>
      <dc:subject>SRE</dc:subject>
      <category>AFT</category>
      <dc:subject>AFT</dc:subject>
      <category>SEA</category>
      <dc:subject>SEA</dc:subject>
      <category>HMN</category>
      <dc:subject>HMN</dc:subject>
      <category>GRT</category>
      <dc:subject>GRT</dc:subject>
      <category>OCT</category>
      <dc:subject>OCT</dc:subject>
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      <title>Joburg July 2026 utility tariff hikes explained</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-joburg-2026-tariff-hikes.php</link>
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      <description><![CDATA[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.]]></description>
      <pubDate>Tue, 09 Jun 2026 06:30:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Prepaid Utilities &amp; Wallet</category>
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    <item>
      <title>JSE Property Roundup - 5 Jun 2026</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-06-05.php</link>
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      <description><![CDATA[The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.]]></description>
      <pubDate>Fri, 05 Jun 2026 06:31:50 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Property Investor</category>
    </item>
    <item>
      <title>How do I vet a tenant in South Africa?</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-tenant-vetting-affordability-south-africa.php</link>
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      <description><![CDATA[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.]]></description>
      <pubDate>Tue, 02 Jun 2026 06:30:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Rental Administration</category>
    </item>
    <item>
      <title>JSE Property Roundup - 25 May 2026</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-05-25.php</link>
      <guid isPermaLink="true">https://mosaichomes.co.za/insights/mosaic-insights-article-weekly-jse-property-sens-roundup-2026-05-25.php</guid>
      <description><![CDATA[The week's most material SENS announcements from JSE listed-property counters, summarised and ranked for South African property investors.]]></description>
      <pubDate>Fri, 29 May 2026 07:39:49 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Property Investor</category>
    </item>
    <item>
      <title>Johannesburg Body Corporate Reserve Fund Minimums</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-body-corporate-reserve-fund-johannesburg.php</link>
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      <description><![CDATA[The Sectional Titles Schemes Management Act sets a minimum reserve-fund contribution that every body corporate in Johannesburg must meet. Here is the formula, how it connects to the 10-year maintenance plan, the trustee liability if it is under-funded, and a worked example for a 40-unit Sandton scheme.]]></description>
      <pubDate>Sun, 24 May 2026 11:48:48 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Body Corporate &amp; Homeowners' Association</category>
    </item>
    <item>
      <title>Levy Clearance Certificates in SA Property Transfers</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-levy-clearance-certificates-community-accounting-south-africa.php</link>
      <guid isPermaLink="true">https://mosaichomes.co.za/insights/mosaic-insights-article-levy-clearance-certificates-community-accounting-south-africa.php</guid>
      <description><![CDATA[Levy clearance certificates are one of the most operationally critical components of the South African sectional title and Homeowners' Association transfer process. Without an accurate clearance figure, transfers stall, registration is delayed and financial risk multiplies — making accurate accounting, real-time receivable visibility and integrated utility reconciliation operational necessities for any modern managing agent.]]></description>
      <pubDate>Sat, 23 May 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Body Corporate &amp; Homeowners' Association</category>
    </item>
    <item>
      <title>Sectional Title Reserve Funds &amp; 10-Year Plans</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-sectional-title-reserve-fund-ten-year-maintenance-plan.php</link>
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      <description><![CDATA[Every sectional title body corporate in South Africa is legally required to maintain a written 10-year maintenance, repair and replacement plan and a separately funded reserve fund. Schemes that take these obligations seriously avoid surprise special levies, protect property values and maintain long-term financial stability.]]></description>
      <pubDate>Thu, 21 May 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Body Corporate &amp; Homeowners' Association</category>
    </item>
    <item>
      <title>Rental Collections via Regulated Debit Order</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-regulated-debit-order-rental-collections-south-africa.php</link>
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      <description><![CDATA[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.]]></description>
      <pubDate>Wed, 20 May 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Rental Administration</category>
    </item>
    <item>
      <title>Johannesburg Managing Agent Services</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-johannesburg-managing-agent-services.php</link>
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      <description><![CDATA[Mosaic Community Services delivers specialist managing agent services to sectional title schemes, homeowners’ associations, apartment developments and residential communities across Johannesburg and South Africa — protecting community assets, improving operational efficiency and supporting trustees.]]></description>
      <pubDate>Mon, 18 May 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Body Corporate &amp; Homeowners' Association</category>
    </item>
    <item>
      <title>Johannesburg Rental Administration Services</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-johannesburg-rental-administration-services.php</link>
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      <description><![CDATA[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.]]></description>
      <pubDate>Fri, 15 May 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Rental Administration</category>
    </item>
    <item>
      <title>How a PPA Trust Account Protects a Landlord's Rent</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-ppa-trust-account-protects-landlord-rent-south-africa.php</link>
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      <description><![CDATA[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.]]></description>
      <pubDate>Tue, 12 May 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Rental Administration</category>
    </item>
    <item>
      <title>Prepaid Utility Management Services in Johannesburg</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-prepaid-utility-management-johannesburg.php</link>
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      <description><![CDATA[Mosaic Wallet provides a modern prepaid utility management platform designed for sectional title schemes, residential estates, property owners and rental portfolios across Johannesburg and South Africa — combining utility technology, administration, reporting and collections integration into a unified platform focused on operational efficiency and financial control.]]></description>
      <pubDate>Thu, 07 May 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Prepaid Utilities &amp; Wallet</category>
    </item>
    <item>
      <title>IoT Utility Metering and the Future of Community Management in South Africa</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-iot-utility-metering-community-management-south-africa.php</link>
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      <description><![CDATA[Eskom, City Power and Johannesburg Water tariffs continue to rise above inflation. For sectional title schemes, estates and HOAs, IoT smart-metering technologies — LoRa, NB-IoT and Sigfox — are reshaping utility recovery, replacing manual readings and delayed reconciliation with real-time consumption visibility.]]></description>
      <pubDate>Thu, 23 Apr 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Prepaid Utilities &amp; Wallet</category>
    </item>
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      <title>Smart Access Control for Johannesburg Communities</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-smart-access-control-community-security-johannesburg.php</link>
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      <description><![CDATA[Traditional access control — manual registers, outdated intercoms, fragmented databases — struggles to meet modern expectations. Online community portals, GSM gate systems and biometric access combine to deliver secure, resident-managed, real-time access administration for Johannesburg residential communities.]]></description>
      <pubDate>Thu, 09 Apr 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Body Corporate &amp; Homeowners' Association</category>
    </item>
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      <title>Radical Transparency in SA Community Management</title>
      <link>https://mosaichomes.co.za/insights/mosaic-insights-article-radical-transparency-community-management-south-africa.php</link>
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      <description><![CDATA[Most community disputes are caused by delayed access to information, not bad intentions. Mosaic Community Portal gives owners real-time visibility into bank feed activity, receivable balances and management accounts — replacing limited-visibility models with a transparent operating standard.]]></description>
      <pubDate>Thu, 26 Mar 2026 09:00:00 +0200</pubDate>
      <dc:creator><![CDATA[Mosaic Home Services]]></dc:creator>
      <category>Body Corporate &amp; Homeowners' Association</category>
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