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Charter is a Level 1 BBBEE company and is accredited by the SA Qualification Authority (SAQA no. 2352) as a Further Education and Training College (FET).

Charter is focused on consulting, training, advisory services and collaborative partnerships.

As a unique solutions-based company, Charter focuses on areas where transformational requirements are essential. Our clients benefit from our in-depth understanding of the complexity and diversity of the South African real estate, housing, banking, financial services and other sectors.

Charter Academy

Affordable, cost effective, quality education

Education is the cornerstone of growth. It develops and sustains South Africa and other emerging countries as they move to real inclusion. Charter Academy is an accredited FET College (SAQA no. 2352) focused on meeting the transformation and empowerment requirements of the real estate and the financial service sectors through skills development and life- long learning. Charter has trained over 35,000 people in underserved communities and has graduated over 400 students on the Real Estate Empowerment Programme (NQF 4) with Absa Bank and French development agency-AFD

Offering practical training, skills and knowledge development
Our courses include:

Accredited and regulated programmes for estate agents and principals.
Financial literacy Programmes for first time home buyers and consumers.
Employer Based Housing Programmes.
Regulatory Exams for financial services staff.
Management and soft skill programmes.

Embracing technology through e-learning
Virtual classrooms are fast becoming the most effective way of reaching large numbers of participants in a sustainable way. Charter has developed its first e-learning course (RE5) as an affordable and accessible way for students to gain access to a career in the banking sector.

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Contact us today to see how we can help your business or department.

Charter Consulting

Finding and facilitating inclusive solutions

We are a value-adding consulting service focusing on business transformation, strategy development, and project management in our chosen sectors. We offer an integrated approach to affordable housing including development finance syndication, real estate services, and enterprise development. Charter has facilitated over R9bn housing finance to low income houses since inception.

Making a difference in both public and private sectors                              
Our consulting services deliver tangible impact by understanding the economic and regulatory barriers, aligning stakeholder interests, developing solutions, and reaching hard-to-serve communities.
Charter Consulting’s clients range from the private sector, including banks, insurance companies and real estate, to advising governments on national strategies for financial inclusion and housing.
Mortgagibility™ is a unique employer-based housing programme aimed at improving access to housing finance. It achieves this through education, effective debt management and debt counselling for over-indebted clients. Charter Consulting has managed and completed financial inclusion and housing assignments across Africa. These countries include South Africa, Sierra Leone, Ghana, Botswana and Mozambique.

“We design and implement economically sustainable business models capable of quickly reaching scale and achieving impact in emerging markets.”                                                                                                               

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Charter Associates

Strategic partnerships are increasingly becoming
a vital element of business growth

Charter prides itself on establishing Associate relationships .to pool knowledge, resources, diversify product lines and expand geographic reach

Principles of engagement

  • Guiding our working relationships are these principles of engagement. This is the basis on which we build a shared understanding of working together.
  • Transformation
  • Trust
  • Mutual benefit
  • Openness and Transparency
  • Respect


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Founding Partners

Thabo Ngwenya (Nat Dip: Training and Adv.HR Management)

Thabo is a founding member of Charter having gained over 15 years’ of experience in housing related products and services. He is a thought leader with extensive experience in Employer Based Housing Solutions, training and Human Resource Management. Thabo understands the intricacies of corporate relationships including trade union and employer negotiations. He has extensive experience in managing high turnover teams and student recruitment.

Adrian Harris (B Comm, B Tech, ABP, and MBA)

is an Inclusive banking, real estate and affordable housing strategist. He is a former Director of Emerging Markets Standard Bank, Vice-President of Channel Life Ltd (SANLAM); Director Cash Bank Ltd (Mutual Bank focused on housing finance); Founder/CEO of Xiriuz Systems (Pty) Ltd (a proprietary banking system),founding Member/Director Investagain (Pty) Ltd- an inner city property development company and Managing Consultant/Board Member Marang- a micro enterprise institution for the development of rural women. Adrian has served as Special Advisor to Minister of Human Settlements, Lindiwe Sisulu. As advisor he has been involved in many of the strategic adavnces in Human Settlements including the forthcoming Property Practitioner Bill and the Human Settlements Development Bank, where he serves as Board Member. Adrian is a member of the Black Management Forum and has served on the Boards of various companies.