Rose Lodge Village
photos: operator / Village Guide
Retirement living · Appleby, Invercargill

Rose Lodge Village

Ucg Rose Lodge Limited · West Invercargill · independent villas + on-site rest home & hospital care
Life Score
62
Good
Capital Back
11
the money ↓
See what life here is like — then weigh what it means for your family further down.
The village

Life here

Nestled in the heart of Invercargill, Rose Lodge Village is a calm, welcoming aged care residence that honours the uniqueness of each resident. With only 10 freestanding single-storey villas, the village prides itself on being personal and friendly—the modest size means staff get to know you and your family, tailoring your experience to meet your needs. Residents enjoy stylishly decorated, modern villas in a beautiful garden setting, with the comfort of 24-hour medical support, regular visits from health professionals, and a varied activities programme that keeps life lively and engaged.

Your home

Living options

Independent Villas

Secure, modern, spacious one and two-bedroom freestanding villas with open-plan living, neutral tones, modernised kitchens and bathrooms, heat pump, and dedicated parking.

One-bedroom villa (66 m²)
Two-bedroom villa
Open-plan living and dining
Modernised kitchen and bathroom
Heat pump
Own parking space
24-hour in-unit call button
Living options
A day in the life

What living here is actually like

Rose Lodge residents enjoy an active, connected lifestyle with regular social activities, dining options, and easy access to Invercargill's amenities.

Activities & Community Life

A varied activities programme keeps residents engaged, including regular happy hours, organised entertainment, arts and crafts, quizzes, cards and board games, and bingo. The village van provides weekly shopping trips and outings. Dietitian-approved meals cater to special dietary needs, and the community is pet-friendly (conditions apply).

Varied activities programme
Regular happy hour
Organised entertainment
Arts and crafts
Quizzes, cards and board games
Bingo
Weekly shopping trips via village van
Social outings
Communal lounge
Library
Dietitian-approved meals
Pet-friendly (conditions apply)
Always something on
On your doorstep

Facilities & services

Communal lounge
Library
Village van for shopping and outings
On-site care home (rest home & hospital level)
Hairdresser (by appointment)
Emergency call system in units
Secure, lockable unit windows and doors
Heat pump in all villas
Dedicated parking
Peace of mind

Care for life, on site

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

IndependentRest homeHospital
✓ Registered nurse (available for appointments) · Doctor (available for appointments) · Physiotherapist (on referral) · Podiatrist (visiting) · Hearing aid clinic (visiting)
Care and community
Where it is

Setting & neighbourhood

Rose Lodge Village is located at 129 Tweed Street in West Invercargill, in the heart of 'The City of Water and Light'. The village is close to all of Invercargill's key amenities, including the city centre, local churches, supermarket, library, and Invercargill airport. The train station and rugby park are also nearby, with excellent access to shopping and dining options throughout the city.

Interested?

Like the look of Rose Lodge?

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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
11
Capital-unfriendly · #518 of 520
Better than 0% of NZ villages — yet the market median is just 46. The sector is tough.
Deferred fee
30%
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 11 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%
30% deferred fee — lower is better.
25
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

30%

Accrues over your first 3 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