Live Banking Feeds
Secure, read-only feeds pull transactions from the rental trust account on every page load. Owners see receipts the moment they clear — no faxed statements, no Friday-evening attachments, no reconciliations done in a spreadsheet.
For Property Owners & Investors
Your property.
Your property.
Your return.
Protected by technology.
You bought the property to earn a return. Mosaic Rental Services is the technology-led rental administrator built to protect it — closing the leaks that quietly erode yield: unrecovered utilities, late tenants, missed levies, stale reports, hidden fees. Live bank feeds, on-demand statements and automated recovery on every line item, so every rand of rent and every cent of utility makes it back to your account — on time, every month.
5% of rental collected / month
6.5% tenant placement, of initial lease term
Excl. VAT · All-inclusive rental administration
Built on technology, engineered for yield
Mosaic Rental Services is operated end-to-end from a purpose-built platform — every rand, every invoice and every interaction lives in one system. Four engineered capabilities turn that platform into measurable yield protection — and every one is already live in the Mosaic Homes Portal, not a roadmap.
Automated Reconciliation
Every receipt is matched to a lease, invoice and tenant in real time by the platform's matching engine. Misallocations and unidentified deposits are flagged, not silently absorbed — your ledger is always closed, always defensible.
24/7 Owner Portal
Every owner has a multi-factor-authenticated login with a mapped portfolio view, rolling income charts, monthly statements and downloadable source documents. The same data the team uses to run the business is the data you see — no marketing dashboard, no static export.
Automated Workflows
Demand letters, payment reminders, scheduled supplier payments and digital job-cards are all driven by the same workflow engine. Late actions auto-escalate, every step is timestamped, and nothing is left to “I'll do it Monday.”
One supplier. Every discipline.
Every third-party vendor in the rental-administration chain is a margin leak and a finger-pointing risk. Mosaic Rental Services unifies every discipline under one accountable team, on one platform, with one audit trail — so the yield stays inside the portfolio instead of being eroded by sub-contractor mark-ups, duplicated subscriptions and unrecovered pass-through costs.
01
Tenant Placement
Vetted applications, credit and affordability checks, lease drafting, mandate signing and key handover.
02
Rental Administration
Monthly invoicing, escalations, deposits, journals and statement runs — reconciled daily to the trust account.
03
Rental Collections
Debit orders, ad-hoc collections, arrears tracking, communication logs and graduated debt management.
04
Evictions
Attorney-led evictions under the Prevention of Illegal Eviction from and Unlawful Occupation of Land Act, fully tracked from letter of demand to writ of execution.
05
Repairs & Maintenance
Job cards, quotes, owner approvals, contractor dispatch and photo-evidenced sign-off — all in-portal.
06
Facilities Management
Routine inspections, preventative maintenance schedules, garden and cleaning services for tenanted units.
07
Property Payments
Levies, rates, body corporate billing, sweeps and scheduled payment runs straight to the supplier’s beneficiary record on a bank payment rail.
08
Metering Solutions
LoRa, NB-IoT and Sigfox electricity, water and gas meters with automated readings and on-billing.
09
CCTV & Electric Fencing
Installation, monitoring and incident response on the property — integrated with the same audit trail as the rental ledger.
10
Security Services
PSIRA-registered guarding, armed response liaison and emergency lock-down with community broadcast.
11
Owner Portal
Live bank feeds, monthly reports, levies and rates, statements, mapped portfolio — one secure login.
12
Monthly Reporting
Automated, encrypted monthly statement e-mailed to every owner — income, receipts, expenses, occupancy and arrears, per property.
Signature Capability
Integrated tenant management, from advert to vacate
Tenant selection is the single most important decision in residential property management. The right tenant pays on time, looks after the asset and stays. The wrong one drains rent, damages the property and ends up in the tribunal. Mosaic Rental Services is built around getting this one decision right, every time — and around an even more important principle: we do not get paid unless the owner does. Our commission is a percentage of rent collected, not rent billed — our interests are aligned with yours by design.
- Targeted advertising & listings — professional photography, structured listing copy and syndication to South Africa's leading property portals, social channels and Mosaic's own owner / tenant network. We market the property like an asset, not a classified ad.
- Rigorous tenant screening — ID and FICA verification, RSA credit-bureau scoring, court-record and judgement checks, employment and payslip verification, three-month bank-statement analysis, landlord references and affordability modelling.
- Aligned interests — commission is charged on rent collected, not rent invoiced. If the owner does not earn the return, we do not earn the fee. There is no rental administrator in South Africa more incentivised to place a paying tenant.
- Dedicated debt-collection capability — the platform runs automated debit orders, day-of-default escalation, graduated demand letters delivered via cellphone communication, and accounts-receivable ageing tracked per tenant. Late payment is treated as a yield event, not a side note.
- Rental Housing Tribunal expertise — our team has run real matters before the Rental Housing Tribunal under the Rental Housing Act — deposit disputes, unlawful occupation, maintenance complaints, unfair practices. We know the forms, the procedure and the case law.
- Attorney-led evictions, fully compliant with the law — where the matter cannot be resolved, eviction proceedings under the Prevention of Illegal Eviction from and Unlawful Occupation of Land Act are tracked end-to-end from letter of demand to writ of execution — every step logged, every cost approved, every deadline diarised.
Why this matters: Tenant placement, collection and dispute resolution — done right — is the difference between a rental property that pays and a rental property that hurts. Mosaic puts a vetted, paying tenant in your asset, keeps them paying every month, and where necessary executes the legal remedy with full procedural discipline.
Request a Tenant Review
Signature Capability
Integrated maintenance management, in-house first
Repairs and maintenance are where the property either holds its value — or quietly erodes it. Slow response damages tenants and tenancies; uncontrolled contractor mark-ups erode yield. Mosaic runs maintenance in-house, by default: a dedicated team of multi-skilled service persons services your property the way we would service our own — quickly, accountably, and at fair cost.
- Dedicated in-house team — multi-skilled service persons covering general repairs, plumbing, electrical fittings, painting, locks, doors, geysers, gutters, garden and routine upkeep. The same faces, every visit.
- Specialist providers when required — certified electricians, plumbers, roofers, pest control and compliance work are dispatched from a vetted panel with negotiated rates — no random call-outs, no surprise invoices.
- Job cards & quotes in-portal — every job logged, quoted, owner-approved and photo-evidenced on sign-off. The owner sees the quote before the spanner moves.
- Preventative schedules — geyser checks, gutter clearing, paint cycles, smoke-alarm tests and lease-renewal inspections planned per property, not reactively.
- Tenant lodging in two taps — tenants log issues via WhatsApp or the portal with photos and severity; urgent items route straight to the on-call service person.
- Controlled opex — one in-house mandate means no third-party agency fee, no contractor mark-up, no duplicated call-out charges. Every rand spent on the property is visible to the owner.
The promise: Peace of mind and easy property ownership. The tenant has one number to call. The owner has one team to trust. The asset stays in the condition you signed it over in — and the yield stays inside the portfolio.
Request a Maintenance Review
Signature Capability
A dedicated trust account per owner. Never commingled.
Most rental administrators run one giant trust account with every owner's rent pooled into it — an accounting risk, a regulatory risk, and an insolvency risk that the property owner only discovers when something goes wrong. Mosaic doesn't commingle. A separate regulated trust account is opened on the owner's behalf for every single property-owner record — in the owner's name, ring-fenced, and visible directly to the owner on the bank's own platform 24 hours a day, 7 days a week.
- One owner, one trust account — opened at a top-tier South African bank when the mandate is signed, in the owner's name, with Mosaic Home Services Pty Ltd holding regulated transactional rights only. No pooled balance, no shared float, no “portfolio sweep”.
- Direct bank viewing rights, 24/7 — the owner is enrolled with the bank as a registered viewer on their own trust account. Log in to the bank's app or web portal at any time and see every credit, every debit, every running balance — without going through Mosaic, without a request, without delay.
- Ring-fenced from Mosaic's balance sheet — the funds are legally the owner's, not Mosaic's. They cannot be attached for Mosaic's creditors, cannot be moved between owners, and cannot be borrowed against. The account survives whatever happens to the administrator.
- Reconciled daily, not monthly — every transaction on the owner's dedicated account is matched against the ledger the same day it clears. The bank balance and the statement balance agree to the cent, every day.
- Independent audit trail — because each owner's bank record is separate, the audit trail for that owner is the bank statement itself — not a sub-ledger extracted from a pooled account. The proof is at the bank, not in our system.
- Owner pay-out without movement risk — transfers to the owner's nominated cheque account run as ordinary bank instructions out of their trust account, on schedule, not as allocations out of a shared pool. The trail is unbroken.
Why this matters: A commingled trust account means the owner is trusting the administrator's bookkeeping. A dedicated trust account with direct 24/7 owner viewing rights at the bank means the owner is trusting the bank — and can audit the administrator at will, in real time, without permission. That is a structurally different commercial relationship.
Request a Trust-Account Review
Signature Capability
Integrated rental collection, on the regulated payments rail
Most rental agents rely on a tenant remembering to push an electronic funds transfer every month. Mosaic doesn't. Mosaic Home Services Pty Ltd is registered as a Third-Party Payment Provider with the Payments Association of South Africa, the body recognised by the South African Reserve Bank to govern the national payments system. That registration is what allows us to legally initiate debit orders against a tenant's bank account on a contractually agreed date — pulling the rent to the trust account instead of waiting for it to be pushed in.
- Payments Association of South Africa-registered Third-Party Payment Provider — Mosaic Home Services Pty Ltd operates inside the South African Reserve Bank-recognised payments framework with the compliance, capital and conduct standards that come with it. This is not a bookkeeping work-around — it is a regulated, auditable collection capability.
- Debit order on the rent due date — rent is pulled, not chased. Every tenant signs a debit-order mandate at lease inception authorising Mosaic to collect on the contractual date, every month, for the term of the lease.
- Same-day reconciliation — successful collections post to the trust account and to the owner statement on the day they clear — no batch lag, no manual capture, no “wait for the electronic funds transfer to reflect”.
- Automated unpaid handling — failed collections trigger immediate WhatsApp / email notification to the tenant, a re-presentment on the agreed schedule, and graduated arrears escalation if the rand does not arrive.
- Smooth cash flow for owners — predictable inflows on a known date drive smooth, efficient transfers straight to the owner's nominated bank account and protect every downstream commitment — bond, levy, rates, maintenance.
Why this matters: An electronic-funds-transfer-based agent is structurally dependent on tenant goodwill every month. A Payments Association of South Africa-registered Third-Party Payment Provider is not. Collecting on the regulated payments rail is the single most decisive lever for converting "rent invoiced" into "rent in the owner's account, on time, every month".
Request a Collection Review
Signature Capability
Integrated property payments, no penalties, no extra cost
Late rates and late levies are silent yield killers. A single missed municipal rates account triggers 10% per annum interest, a sale-of-execution risk and a clearance-certificate block on the property; a missed body-corporate levy triggers a Community Schemes Ombud Service dispute and a lien on the unit. Mosaic's Property Payments engine is built around a single outcome: every rates, levy and bulk-utility account paid accurately and on time, every month — with the cost passed through at zero mark-up.
- Monthly completeness check — before any run is released, the platform reconciles every active account per owner against current-month and next-month payments. Missing returns are flagged red. Nothing slips because no one remembered to look.
- Three streams, one engine — municipal rates, levies and utility suppliers are scheduled and tracked side-by-side, per property, per supplier.
- Dual-control audit before pay-out — every payment record is audit-locked by a separate operator before it qualifies for release. Account number, supplier, amount and source document must agree — or the payment does not leave the trust account.
- Bank payment rail — scheduled and ad-hoc payments execute on a bank-grade payment rail directly to the supplier's beneficiary record. No paper EFTs, no copy-paste account numbers, no Friday-afternoon mis-postings.
- Source documents per account — every rates bill, levy invoice and bulk-utility statement is uploaded against the account, indexed and downloadable as an encrypted PDF — for owner review, for SARS, for a future clearance certificate.
- Automatic oncharge — where the lease provides for it, bulk utilities and recoverable charges are oncharged straight onto the tenant's monthly statement — the rand the owner spent is the rand the owner recovers.
- Zero extra cost — this complete payment capability is part of the 5% management fee. No per-payment charge, no bureau fee, no bank-rail mark-up — the owner pays the supplier, not a layer in between.
Why this matters: Accurate, on-time payment of rates and levies isn't admin — it is what protects the property's title, the body-corporate vote, the next bond application and the clearance certificate at exit. Mosaic runs it as a regulated, audit-locked, encrypted process — included in the management fee, with no per-payment surcharge to the owner.
Request a Payments Review
Signature Capability
Integrated utilities recovery, end-to-end
Unrecovered utilities are the single biggest source of silent loss in a residential rental portfolio. Estimates, missed reads, stale tariffs and slow tenant collections compound into thousands of rands of leakage every month — money that should sit in the owner's account. Mosaic is engineered around one outcome: recover every cent of every utility, every month, automatically. We own the entire chain in-house, from the meter on the wall to the cash in the trust account.
- Smart metering hardware — LoRa, NB-IoT and Sigfox electricity, water 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 so every bill is defensible to the last cent.
- On-billing & recovery — utility consumption flows straight onto each tenant's monthly statement, reconciled to the bank and visible in the owner portal — with arrears tracked, escalated and collected as a first-class line item, not an afterthought.
- Mosaic Wallet for utilities — tenants pay water, electricity and gas through a dedicated wallet with a single payment reference, instant receipts and pay-as-you-use top-ups. The wallet is built for one job: getting utility cash back to the owner, fast.
- Leak & abuse alerts — the platform flags abnormal consumption and remotely closes valves on compromised or non-paying meters before it becomes an owner problem.
Why this matters: Utility recovery is the line item that quietly decides whether a rental portfolio is profitable or not. Mosaic eliminates the cash-flow shock of bulk municipal bills, the dispute risk of estimated reads, and the prescription risk on old utility debt — turning a chronic leak into a fully reconciled monthly receipt.
Request a Utilities Audit
Signature Capability
Whole-building property management, not one unit at a time
Most rental agencies are built around the single unit — one tenant, one lease, one statement at a time. They cannot run a building. Mosaic is engineered for the opposite end of the market: blocks of flats, sectional-title schemes, build-to-rent developments and freehold clusters, where a single owner or trust holds tens of tenanted units in one building and needs the whole building run as one asset. We do single units too — but the platform is built to scale to the entire building without adding a single sub-contractor.
- Bulk tenant placement — onboard ten, twenty, fifty tenants in one launch cycle, not one at a time. Listing photography per unit, parallel vetting, batched lease signing, coordinated key handover — the building goes from empty to fully tenanted as a single project.
- Per-unit IoT sub-metering on one bulk account — LoRa, NB-IoT and Sigfox electricity, water and gas meters installed unit-by-unit; one bulk municipal account at the front door; consumption split and on-billed automatically to each tenant. The owner pays the municipality once and recovers every cent from twenty tenants on twenty separate statements.
- One trust account for the whole building — every unit's rent, deposit, utility recovery and disbursement reconciled to one dedicated trust account in the owner's name. Per-unit ledgers and per-building roll-up. The whole building's cash position on one screen, the individual unit's history on the next click.
- Building-wide maintenance, one team — Mosaic Home Services tradesmen dispatched to the building, not to one call-out. Plumbing snags across five units handled in a single visit; common-area work, lock changes, painting cycles and geyser swaps scheduled per building, not per ticket. No per-unit call-out tax, no subcontractor mark-up.
- Sectional-title fluency — for owners who hold multiple units in a body-corporate scheme, Mosaic already understands the rules: levy treatment, body-corporate billing, special levies, CSOS disputes, common-area access. Our sister brand Mosaic Community Services manages the schemes themselves — we know the contours from both sides of the fence.
- One owner statement, every month — the entire building — every unit, every tenant, every rate, every levy, every repair, every utility on-charge — consolidated into one encrypted PDF owner statement. Per-unit detail is one click deeper, in the portal.
Why this matters: A small agency manages your block of flats by treating each unit as a separate file in a separate drawer — twenty statements, twenty invoices, twenty phone calls, twenty places where something can quietly drop. Mosaic runs the building as one asset on one platform with one mandate — one trust account, one owner statement, one maintenance team, one audit trail. That is the difference between owning a portfolio and managing a paper trail.
Request a Whole-Building Proposal
Radical Fee Transparency
Every cost, itemised by line. No bundled "admin".
On the 1st of every month, alongside the income statement, every owner receives an automatic Repairs & Maintenance Billing Report. It is not a summary — it is the underlying ledger: every supplier invoice, every job-card line, every cent of VAT, split per property. If a rand left the trust account on the owner's behalf, it appears on this report — with the date, the property, the supplier and the VAT.
- Cost Recovery, line by line — date · property · supplier · amount · VAT · total. Pass-through charges — locksmith, electrician, plumber — reflected at exactly what the supplier invoiced Mosaic.
- Job Cards, fully described — every internal job card itemised by description, per property, with VAT split. No "miscellaneous", no "sundries".
- Auto-issued, every month — generated at the start of each month and attached to the monthly statement — the owner never has to ask.
- No mark-up, no margin layer — Mosaic does not mark up supplier invoices. The owner pays the supplier, the 5% management fee covers Mosaic's work.
The promise: If a charge isn't on this report with a date, a property, a supplier and a VAT line — it isn't a charge. Radical transparency is the only commercial model that survives a 20-year owner relationship.
Request a Sample ReportInside your owner portal
The day your mandate is signed, your portfolio is loaded into a secure, multi-factor-authenticated owner portal — with four modules in the top navigation: Home, Monthly Reports, Bank Feed and Levies & Rates. Every figure on this page is drawn from the same system data and banking feeds that run the business — no separate marketing dashboard, no static export.
Your portfolio, mapped & charted
Every active property pinned on an interactive satellite map, with rolling 12-month income and receipts plotted side-by-side. Switch between owner entities in one click — trust, company, individual — same login.
Active Properties17
Occupied16 / 17
Rolling 12m IncomeR 1,824,500
Map ViewSatellite · live
Five sections, every property, every month
Per-property breakdown of Rental Income, Bad Debt, Cashflow (Cash/EFT, Debit Order, Deposits), Balances Due and Deposits Payable — with VAT split, owner-currency-aware, and a drop-down to pull any historical month.
PeriodApril 2026
Rental IncomeR 152,041.30
Receipts (Cashflow)R 148,990.00
Balances DueR 3,051.30
Straight from the bank, not a copy
A secure live banking feed from the regulated trust account on every page load. A detailed transaction history filtered to the owner's beneficiary account — date, description, amount, running balance — straight from the bank.
15 May · Rent Unit 12+R 14,250.00
03 May · Body Corporate Levy−R 2,800.00
03 May · Municipal Rates−R 3,640.00
SourceBank feed · live
Detailed invoice history, downloadable
Every municipal bill, body-corporate levy and bulk-utility invoice that Mosaic paid on the owner's behalf — a detailed historical archive — listed by due date, supplier, account number and invoice number, with a Download button against each row that pulls the original supplier PDF, encrypted, on demand. Only audit-approved records appear — the same record that authorised the payment.
03 May · Municipal RatesPDF ↓
03 May · Body Corporate LevyPDF ↓
02 Apr · Eskom BulkPDF ↓
Archive DepthFull history · audit-approved
One audit trail, one source of truth. The Levies & Rates module is more than a list — it is the owner's permanent online archive. Selling the property in three years? The clearance certificate, the rates account, the special-levy notice — every supporting document is one click away, indexed by date, supplier and account number.
Built around your return on investment
Tangible commitments from a rental administrator engineered around one number — the yield on your asset.
100%
Utility Recovery Target
Max
Sustainable Property Return
R0
Sub-Contractor Mark-Up
PASA
Registered Collections Rail
Request a rental management proposal
Tell us about your portfolio. We'll come back to you within one business day with a tailored proposal — modelling the yield uplift Mosaic can deliver against your current agent. No obligation, no pressure.