The best way to hold a property depends on your goals, tax position, finance needs and succession plans. We set out the options in general terms; tax advice is provided with a registered tax practitioner and legal work (including company and trust documents) with a qualified attorney.

How a consultation works: tell us about your business, property plans, partners and family → options in plain language → specialist tax, legal and insurance advice → we help put the company, trust, cover and finance in place.

Business insurance: six types of cover

Business assets cover Buildings, equipment, stock and vehicles. Ask us
Liability cover Public liability and other liability risks. Ask us
Business interruption cover Helps replace lost income after an insured event stops trading. Ask us
Key person cover Protects the business if a key person dies or becomes disabled. Ask us
Buy-and-sell cover Funds a buy-and-sell agreement so partners can buy a deceased partner’s share. Ask us
Contingent liability cover Settles business debts you have personally guaranteed if you die. Ask us

Cover is recommended after a needs analysis of your business and is subject to each policy’s terms, conditions and exclusions.

Commercial property finance: what lenders usually ask for

Business financial statements and management accounts
Business and personal bank statements
Company or trust documents
Details of the property and the deal

Approval of any finance is at the sole discretion of the lender, which sets its own rates and terms. We cannot guarantee that any application will be approved. Yandisa is not a lender.

Offshore Investing

Invest beyond the rand.

Offshore investing through authorised providers, within South Africa’s exchange control rules, as part of your overall wealth plan.

Book an offshore review

Authorised providers

Global investments through authorised product providers, after a needs analysis.

Book an offshore review →

Feeder funds or direct offshore

Invest in rands for offshore exposure, or move money abroad.

Compare the options →

Allowances and tax clearance

Use your allowances, with help through the SARS approval process.

Ask about allowances →

Offshore estate planning

Plan how foreign assets are dealt with in your estate.

Plan for offshore assets →

Feeder funds vs direct offshore

Rand-denominated feeder funds let you invest in rands for offshore exposure. Direct offshore investing means moving money abroad and holding foreign currency. We explain the trade-offs, costs and risks of each.

Allowances, exchange control and tax clearance

In general terms, South African residents can use a single discretionary allowance and a foreign investment allowance each year, under exchange control rules. Amounts are set by the SARB and SARS and can change; we confirm the current rules when we advise you. Larger amounts need SARS approval before they can be moved offshore, and we help with that process, working with your own or a registered tax practitioner. Get tax clearance help

How an offshore review works

Needs analysis (goals, timeline, existing investments, tax position) → options explained (feeder funds or direct, how much, costs and risks) → help with exchange control and SARS approvals → invest through authorised providers and review regularly.

Offshore risk: exchange rates move and a stronger rand can reduce the rand value of an offshore investment. Values can go down as well as up and you may get back less than you invested. Past performance is not a guide to future performance, and no returns are guaranteed. Foreign markets carry political, economic, regulatory, liquidity and tax risks, and costs can differ. Exchange control rules apply. See the full disclosure.

The problem

The gaps we help close

Most people only discover these when it is too late.

A retirement shortfall, or money that isn't workingSavings left idle lose value to inflation, and retirement gets closer.
How we help →
No cover, or income that stops if you can't workDebts, the bond and school fees don't stop when your income does.
How we help →
Home, contents or rental property uninsuredOne fire, burglary or burst geyser can undo years of saving.
How we help →
Personal assets exposed, or no structure for a property portfolioBusiness problems can become family problems, and growth gets harder.
How we help →
A key person or partner lost, with no buy-and-sell agreementIncome, confidence and fair value for the family are all at risk.
How we help →
Everything in rands, and unsure of the allowancesOne economy, one currency, and no clear view of what you can move offshore.
How we help →

Recognise one of these? The Yandisa team can help you fix it.

Talk to us about it Book a consultation

Disclosures

Yandisa Wealth: authorised representative of Fairbairn Consult (Pty) Ltd, an authorised Financial Services Provider (FSP 9328).

Financial services provider: Fairbairn Consult (Pty) Ltd
FSP number: 9328
Categories and subcategories of financial products: Long-term insurance, short-term insurance (personal and commercial lines), participatory interests in collective investment schemes (local and foreign), retirement products and long-term deposits
Complaints: info@yandisa.co. You may also lodge a complaint with Fairbairn Consult (Pty) Ltd (FSP 9328), or with the FAIS Ombud (www.faisombud.co.za) · see our Complaints page
Compliance officer: info@yandisa.co
Conflict of interest management policy: Conflict of interest management policy
Professional indemnity cover: The FSP holds professional indemnity and fidelity cover as required by FAIS.

Your adviser's representative details, and the details of any product supplier, are disclosed to you in writing before advice is given. Yandisa Group Solutions (Pty) Ltd is not itself an authorised financial services provider. General information on this website is not advice; advice is given only after a financial needs analysis. Investments carry risk: their value can go down as well as up, and past performance is not a guide to future performance. Insurance benefits are subject to the terms, conditions and exclusions of each policy.

Business and tax. Tax advice is provided with a registered tax practitioner, and legal work (including company and trust documents) is done with a qualified attorney. Commercial property finance approval is at the sole discretion of the lender; we cannot guarantee any application will be approved. General information on this page is not tax, legal or financial advice.

Offshore. Offshore investments are offered only through authorised providers, and product details are disclosed to you in writing before you invest. Currency, market, political, economic, regulatory, liquidity and tax risks apply; no returns are guaranteed. Moving money offshore is subject to South African exchange control rules; allowances and approval requirements are set by the South African Reserve Bank and SARS and can change.

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Wealth: Investments and Insurance

Financial needs analysis

Grow what you build

Retirement planning

Investments

Education savings

Offshore investing

Protect you, your family and your property

Life cover

Disability and severe illness

Income protection

Home, contents and landlord

Build your business and property portfolio on the right structure.

Property portfolio structure

Company registration

Trusts for business and property

Commercial property finance