Fitzanne’s Property Exchange

FITZANNE ESTATES  |  Podcast , ±22 min episodes every 2 weeks, 3 days  | 
Fitzanne's Property Exchange, hosted Pearl Scheltema, keeps you captivated and intrigued as we provide you with the very latest news and insights to the South African residential property industry. Having conversations with property investors, industry experts, Sectional Title Scheme Executives and innovative stakeholders, we invite you to listen to their stories and make it your own.

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Tax advice for property investors

Property ownership potentially exposes one to a spectrum of taxes such as income tax, capital gains tax (CGT), secondary tax on companies (STC), donations tax, estate duty, transfer duty or value added tax, stamp duties and municipal rates. Which taxes you have to pay, how much and when, depend on the manner in which you deal with your property and, to a large extent, on the way in which you structure your property holding. In this episode of Fitzanne’s Property Exchange, host and CEO of Fitzanne Estates, Pearl Scheltema, chats to Jerry Botha, Managing Partner of Tax Consulting South Africa, and Scott Picken, Founder and CEO of Wealth Migrate to find out more about the taxes property investors should be aware of.

Tags: #propertytax #propertyadvice #realestateadvice #realestatetips #propertytips #tax #sars #propertyinvestors

The South African Rental Industry

Description: March marks the grim anniversary for the first COVID-19 lockdown we embarked on a year ago. It’s fair to say that nothing has been quite the same since – including the real estate landscape. As with any industry, performance is driven by supply and demand. According to TPN this lies at the centre of the current rental market upset, with a clear case of oversupply versus muted demand. Understanding the economic and social landscape of the last year goes a long way in making sense of these low rates of demand.

Pearl Scheltema, CEO of Fitzanne Estates, chats to Michelle Dickens, MD of TPN, and together they weigh in on the coming months and what landlords can expect.

Budget 2021: What the property industry can expect

As we await the National Budget Speech later this month, many investors and roleplayers in the real estate industry are holding their breath to gauge the year ahead. A tumultuous 2020 left many feeling hesitant and we’re seeing a strong sense of cautious optimism as we head towards the new financial year.

At the core of many investors’ concern is the expected impact of continued lockdowns and costs involved with a vaccine rollout. Tax implications and affordability are front of mind, as there’s no telling when things will start to regain a semblance of normality. If the second half of 2020 is anything to go by, we can expect a continuing trend towards first time buyers entering the buyers’ market within the entry-level sector.

Pearl Scheltema, CEO of Fitzanne Estates, interviews Colin Strümpher, BetterBond Sales Manager: Western Cape. They discuss the possibility of an increase in the lending rate and offer advice to property investors and new buyers in terms of securing their investments, affordability and pre-qualification for new bonds.

Installing solar energy in Sectional Title Schemes

With load shedding back, many of us are looking to install solar power to keep our households ticking over. A lot of buzzwords are thrown about, like hybrid and off grid – most of us don’t know what these are, and what would best suit a particular need. Pearl Scheltema interviews Kyle Bohnsack, Managing Director of Blockpower, a solar photovoltaic (PV) installer, to find out why you will not only need to make sure that your electrical requirements are adequately covered, but also ensure that you’re dealing with a reputable organisation. One who can design and install the correct solution for your needs and then be around for any maintenance when required.

What owners must know about the sectional title claims process

Pearl Scheltema interviews Mike Addison, co-owner and founding director of Addsure, a registered financial services provider. The sectional title claims process is often misunderstood, leading to unnecessary conflict and unpleasantness. Pearl and Mike discuss the process to bring about a better understanding of this process in order to help manage the expectations of trustees and owners.

How your physical space plays a role in your mental health

Given the amount of time that individuals have spent at home over the last few months, it begs the question: Does our physical space also play a role in our mental health? Pearl Scheltema interviews Jacques van Embden from property development firm Blok on how the increase in working from home intersect with mental health. A UK publication recently explored the mental health issues associated with work from home, and found that a surprising majority of those surveyed indicated they would prefer returning to the office, citing mental health issues and disintegration of healthy boundaries. In short, they were no longer working from home, but living at work. Yet, work from home doesn't appear to be going anywhere anytime soon. Pearl and Jacques discusses the rise of the home office, and the increasingly starring role it will play in our lives - and subsequently our mental health.

How technology is transforming the sectional title insurance industry

Pearl Scheltema interviews Ria Furriel, King Price’s community insurance partner. For a growing number of sectional title developments, estates and retirement villages, automated claims management systems are saving time, money and headaches by allowing all claims to be logged electronically, authorised instantly by the insurer, and jobs scheduled with an approved service provider for immediate repair – with no human interaction. Pearl and Ria discuss why insurance is a legal requirement under the Sectional Titles Schemes Management Act, the type of insurance that’s required and how King Price has changed the way consumers process sectional title developments, estates and retirement villages claims.

The state of the residential rental market in South Africa

The state of the residential rental market in South Africa Johette Smuts Payprop

Pearl Scheltema interviews Johette Smuts, Head of Data and Analytics of PayProp Capital, an automated payment and reconciliation platform specific to the residential rental industry. They discuss the PayProp Rental Index, how the residential rental industry has been affected by the COVID-19 pandemic and the main factors affecting rental growth in South Africa. To find out more about Fitzanne Estates, please visit

Bridging finance and smart financial solutions for Sectional Title Schemes

Pearl Scheltema interviews Michael Schaefer, founder and CEO of ZDFin, a specialist finance company providing smart solutions for Sectional Title Schemes. Many Sectional Title Schemes are still challenged in raising adequate reserves to fund large maintenance and capital projects, which may or may not form part of their 10-year maintenance plans and Pearl and Michael discuss how ZDFin’s solutions can help Schemes. They also discuss when Trustees should consider approaching companies that provides Scheme Finance, negative connotations with Scheme Financiers, and whether this is warranted or not. To find out more about Fitzanne Estates, please visit

Protecting your property investment: tips from TPN Credit Bureau

Pearl Scheltema interviews Michelle Dickens, the Managing Director and co-founder of TPN Credit Bureau. TPN is South Africa’s biggest credit bureau specialising in the collection of rental payment profile information. Property investors are experiencing increasing property expenses and low or even negative escalation and Michelle provides practical advice for investors in protecting their investments. They also discuss levy collections during lockdown and the biggest risks facing property investors in SA at present time

Everything you need to know about CSOS

Pearl Scheltema interviews Johlene Wasserman, Manager of Governance, Compliance & Enforcement and Training at CSOS, the Community Schemes Ombud Service. They discuss the powers of CSOS, processes to follow when it comes to disputes and the duties and rights of community schemes under the provisions of the CSOS and STSM Act.

How to successfully collect levies in a Sectional Title Scheme

Pearl Scheltema interviews Pepi Kruger, an Associate Principal (Property Consultant) at one of South Africa’s largest financial institution, a certified commercial property practitioner, property investor and trustee. They discuss levy collection in Sectional Title Schemes, specifically highlighting strategies during the national lockdown, as well as the value of a Managing Agent in their role of offering advice and support to the Trustees and Body Corporates in their portfolios.

15 episodes

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