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Capital Back 21⚖ Get independent advice
J H Mason Retirement Village
photos: operator / Village Guide
Retirement living · Havelock North, Hastings

J H Mason Retirement Village

Havelock North · independent rental cottages in a spacious, tree-lined setting
Capital Back
21
the money ↓
See what life here is like — then weigh what it means for your family further down.
J H Mason Retirement Village J H Mason Retirement Village J H Mason Retirement Village J H Mason Retirement Village J H Mason Retirement Village J H Mason Retirement Village
The village

Life here

Nestled in Havelock North, J H Mason Village offers affordable independent living for older people who value community and space. The grounds are generous, dotted with established trees, gardens and lawns—a peaceful backdrop for a village where residents genuinely care for one another. A library and community hall anchor social life, while the Enliven Community Day Programme and Age Concern's weekly morning tea bring people together. This is retirement living built on connection, not isolation.

Your home

Living options

Independent Rental Cottages

Predominantly rental properties designed for independent older people, with flexible housing options.

✓ Rental cottages (no purchase required)
✓ Spacious grounds with established gardens and lawns
✓ Suitable for singles and couples
Living options
A day in the life

What living here is actually like

Community is at the heart of J H Mason.

Social Life & Activities

Residents enjoy a vibrant social calendar anchored by the community hall and library. The Enliven Community Day Programme runs regularly from the hall, and Age Concern hosts a weekly morning tea open to all villagers. The tight-knit community means neighbours actively look out for each other.

✓ Community hall with kitchen facilities
✓ Library
✓ Enliven Community Day Programme
✓ Age Concern weekly morning tea
✓ Established gardens and outdoor spaces
Always something on
On your doorstep

Facilities & services

Community hall
Library
Kitchen facilities
Spacious grounds
Gardens and lawns
Peace of mind

Care for life, on site

If your health changes, you won't have to leave the place you know. J H Mason Retirement Village offers these levels of care on site:

Independent
Care and community
Where it is

Setting & neighbourhood

J H Mason Village is located in Havelock North, a charming village in the Hawke's Bay region. The village sits on spacious grounds with mature trees and established gardens, creating a peaceful residential environment. Havelock North offers a relaxed lifestyle with easy access to local amenities, while the village itself fosters a close-knit community atmosphere where residents support one another.

Interested?

Like the look of J H Mason?

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Now the practical part

The money — what comes back to your family

You've seen why you'd love it. This is the part most families only discover at the exit statement — so we put it in plain sight. Every figure is from the village's own filed Disclosure Statement.

Capital Back score
21
Capital-unfriendly · #484 of 520
Better than 7% of NZ villages — yet the market median is just 46. The sector is tough.
Deferred fee
20%
charged on your entry price
Your share of capital gain
0%
operator keeps 100% of any uplift
Time to get capital back
—
not enough resales disclosed
Fees after you leave
Continue
charged until the unit resells
Before you sign, get independent eyes on the contract.An ORA-review lawyer or independent financial adviser — never paid by any operator — checks what it really means for your family.
⚖ Get independent advice →
How the 21 is built

Nothing hidden — every component

The Capital Back score is a transparent weighting of five filed terms — you can see exactly where this village wins and loses.

Move-in fee you don't get back Deferred Management Fee — weighted 30%
20% deferred fee — lower is better.
50
Share of capital growth Capital gain to resident — weighted 15%
0% — the operator keeps any resale uplift.
0
Fees stop when you leave Weekly fees on exit — weighted 15%
Fees continue until the unit resells.
0
Interest if repayment is slow Interest on delayed capital — weighted 10%
No interest on delayed repayment.
0
The filed terms, in plain English

What the Disclosure Statement actually says

Every operator uses different words for the same thing — we normalise them so you can compare like with like.

%

Deferred Management Fee

20%

Accrues over your first 5 years, charged on the entry price.

Market: median 30%; only 16% of villages charge under 25%.
↑

Capital gain

0% to the resident

Any increase in the licence value at resale is kept entirely by the operator.

Market: just 8% of NZ villages share any capital gain.
!

Fees & interest on exit

Watch this

Weekly fees continue until the unit resells.

Market: 220 of 520 villages keep charging weekly fees after you've gone.
Before you sign the ORA

The reckoning usually arrives too late

  • You're buying a licence to occupy, not the home — you can't sell, rent or borrow against it.
  • A large deferred fee is gone within a few years, whatever the unit later sells for.
  • Your family carries the risk of how long resale takes — and the operator's ability to pay.
  • None of this is hidden — it's all in the Disclosure Statement most people sign without reading.
Have someone independent read it first

We'll connect you with a retirement-village review lawyer or independent financial adviser — no operator pays to be here.

Request an ORA review → Talk to a financial adviser