When trustees talk about levies, voting rights, and maintenance costs, there's one document that determines it all: the Participation Quota Schedule (PQS). Yet most owners barely glance at it, and many don't understand what it actually does. Here's the reality: your participation quota isn't just a number on a spreadsheet. It's the backbone of your body corporate's financial structure, and nowhere is this more critical than when it comes to insurance. What Exactly is a Partic

Whether you're buying your first home, investing in a rental property, or running a business from commercial premises, you'll encounter the terms “buildings cover”  and “buildings combined.” With South Africa’s growing trend toward sectional title living, security estates, and mixed-use developments , understanding exactly what this insurance covers and what it doesn’t has never been more important. What’s the Difference? Here’s the truth that might surprise you: there isn’t

Property owners in shared-ownership or sectional title developments frequently make improvements to enhance comfort and market value....

South Africa’s sectional title sector is showing strong resilience and growth — and that’s welcome news for trustees, owners, and...