Kamo Home & Village
photos: operator / Village Guide
Retirement living · Kamo, Whangarei

Kamo Home & Village

Kamo Home & Village Charitable Trust · Kamo, Whangarei · independent apartments, assisted living + hospital & dementia care
Capital Back
44
the money ↓
See what life here is like — then weigh what it means for your family further down.
The village

Life here

Kamo Home & Village sits at the end of Ford Avenue in Kamo, perched on extensive grounds with native bush views and the distinctive silhouette of Mount Parakiore. The Kamo shopping centre is just minutes away, offering a medical centre, supermarket, library, and bus stop. Here, residents move through life stages with support—from independent living in townhouses and serviced apartments, through assisted living, to specialist hospital and dementia care, all designed to maximise independence while honouring individual needs.

Your home

Living options

Living Options

A full continuum of housing and care, from independent townhouses to supported apartments and specialist care suites.

Independent townhouses
Serviced apartments
Assisted living units
Care suites (hospital & dementia)
1-bed units from $400k–$450k
2-bed units from $600k–$650k
Living options
A day in the life

What living here is actually like

Daily life is woven into the rhythms of the village and wider Kamo community.

Life Here

Residents enjoy extensive grounds and gardens, with easy access to local shops, medical services, churches, and community facilities. The village calendar includes regular activities and newsletters keeping residents connected and engaged.

Native bush and mountain views
Extensive grounds and gardens
Activities calendar
Community newsletters
Close to Kamo shopping centre
Near medical centre, supermarket, library, churches, bus stop
On your doorstep

Facilities & services

Independent townhouses
Serviced apartments
Assisted living units
Hospital care facility
Specialist dementia care (Alice Court)
Supported living (Tuatara Court)
Extensive gardens and grounds
Activities programme
Peace of mind

Care for life, on site

If your health changes, you won't have to leave the place you know. Kamo Home & Village offers these levels of care on site:

IndependentServicedRest homeHospitalSecure dementia
✓ Hospital-level care · Dementia care · Assisted living support
Care and community
Where it is

Setting & neighbourhood

Kamo Home & Village occupies a gentle north-facing slope at the end of Ford Avenue in Kamo, Whangarei, overlooking native bush and Mount Parakiore. The extensive grounds and gardens create an attractive outdoor environment. The Kamo shopping centre is only minutes away, providing convenient access to a medical centre, supermarket, library, churches, and public transport. The setting combines rural tranquillity with urban accessibility.

Interested?

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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
44
Below average · #284 of 520
Better than 45% of NZ villages — yet the market median is just 46. The sector is tough.
Deferred fee
27%
~$68k on a $250k unit, over 4 years
Your share of capital gain
0%
operator keeps 100% of any uplift
Time to get capital back
~185 days
median, from 2 recent resales
Fees after you leave
Continue
charged until the unit resells
7 years
Your estate receives
$292,000
Operator keeps (deferred fee)$-42,000
Share of your $250,000 back117%
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 44 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%
27% deferred fee — lower is better.
32
Share of capital growth Capital gain to resident — weighted 15%
0% — the operator keeps any resale uplift.
0
Speed your capital returns Median resale time — weighted 30%
185 days across recent resales.
81
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%
Interest is payable if capital is returned late.
100
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

27% of $250,000 = ~$68,000

Accrues over your first 4 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.

How fast your capital comes back

~185 days median

Your capital is repaid once the unit is re-licensed to a new resident. (Operator-stated average: 185 days.)

Market: median 154 days; 21 villages still average over a year.
!

Fees & interest on exit

Watch this

Weekly fees continue until the unit resells, and interest is payable if your capital is returned late.

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.
  • Roughly $68,000 is gone in deferred fees within 4 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