Independent advice

Don't sign a village contract without independent eyes on it

An Occupation Right Agreement is a 30-year financial decision dressed up as a lifestyle one. Before you sign, have a retirement-village lawyer or an independent financial adviser check what it really means for your family.

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✓ Independent — no operator pays to be here ✓ Vetted NZ lawyers & advisers ✓ Often a free first conversation

Two ways we help

The right expert for the question you have

For the contract

ORA-review lawyer

A lawyer who reviews retirement-village contracts for a living reads your Occupation Right Agreement and explains — in plain English — exactly what you're agreeing to.

The deferred management fee and how it's charged
Whether you share in any capital gain
Repayment timeframe, interest and exit terms
The clauses most people miss until it's too late

For the bigger picture

Independent financial adviser

An adviser who isn't paid by any village models what this decision really costs your estate over time, and whether it fits your wider retirement plan.

What your family is likely to get back, and when
How this village compares to the alternatives
The impact on your estate and inheritance
Whether the timing and cash-flow stack up

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Why independent matters

The village's salesperson works for the village. Their lawyer works for the village. We connect you with people who work for you — vetted, independent, and never paid by any operator. The same firewall that keeps our scores honest keeps this advice honest.

How it works

Three steps, no obligation

Tell us the village & what you need

Two minutes. Which village, and whether you'd like a lawyer, a financial adviser, or both.

We match you to a vetted expert

An independent NZ retirement-village lawyer or adviser in your area — never anyone paid by an operator.

They review & advise

Often a free first conversation, then a fixed-fee review if you want to go ahead. You decide.

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Thanks — that's on its way.

We'll match you with an independent lawyer and be in touch within one business day. Nothing to pay to talk it through.