About Us

ZDFin is a specialist finance provider with a core focus on residential juristic entities, this encompassing all Community Schemes as defined per the Community Ombud Service Act, being Sectional Title Bodies Corporate, Home Owners’ Associations (both NPC companies & voluntary associations governed by a constitution) and Share Block Companies.

While the new legislation that was promulgated and came into effect on the 7 October 2016 gives some direction to specifically sectional title bodies corporate insofar as budgeting is concerned (this through the Sectional Title Schemes Management Act; as implied not the case for home owners’ associations or share block companies), the practical reality is schemes are still challenged in raising adequate reserves to fund large maintenance and capital projects, these which may or may not form part of their 10-year maintenance plan(s).

Ongoing and increasing levels of indebtedness, exacerbated by a weak economy, are also compromising the ability of schemes’ financial wellbeing and often funds ring-fenced in the scheme’s reserve fund – per legislative directive – are utilized out of necessity to fund administrative fund shortfalls which further compromises the ability of the scheme to carry out both routine and planned maintenance which, ultimately, leads to the erosion of value for all owners alike.

ZDFin, with a wealth of practical experience in property and property financial management, understands these challenges; our financial product range has been formulated, is and remains tried and tested, to address a range of financial challenges all tailor made for your scheme.

Meet Michael Schaefer (Founder)

Michael needs no introduction to Property Management and Property Financial Services.

A former Director and co-Principal of Trafalgar where he was the driving force behind Trafalgar’s Financial Services capability while also overseeing Trafalgar’s Gauteng and Western Cape operations for eighteen years.

Michael has exited the Trafalgar Group to start his own initiative after identifying an opportunity in the market to better cater for Scheme finance, an area grossly underserviced and so the conceptualization, birth and creation of ZDFin, a dynamic entrant into this space.

Michael’s background in property management and property financial services positions him perfectly to assist schemes with their financial requirements and associated challenges.

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