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Capital Back 74⚖ Get independent advice
Midlands Gardens Retirement Village
photos: operator / Village Guide
Retirement living · Paraparaumu Beach, Kapiti Coast

Midlands Gardens Retirement Village

Kapiti Retirement Trust · Paraparaumu Beach · independent living with recreational facilities and wellness support
Capital Back
74
the money ↓
See what life here is like — then weigh what it means for your family further down.
Midlands Gardens Retirement Village
The village

Life here

Midlands Gardens sits in Paraparaumu Beach, part of a three-location retirement village operated by a charitable trust focused on residents' needs. Life here centres on connection—whether it's Friday happy hours in the well-equipped recreation centre, friendly games on the bowling green, or the monthly activities organised by the elected social committee. The Village Wellness Team and Grounds Team work quietly behind the scenes, ensuring residents can enjoy their homes and the beautiful grounds without worry.

Your home

Living options

Independent Living

Villas and apartments designed for active, independent residents

✓ Villas
✓ Apartments in central complex with croquet green
✓ Maintenance support for light repairs
A day in the life

What living here is actually like

A vibrant social calendar and well-maintained facilities create a hub for community life.

Activities & Recreation

The recreation centre is the heart of village life, hosting regular activities and one-off events. Residents organise their own social committees, trips to shows and sporting events, and enjoy both traditional games and fitness classes.

✓ Recreation centre with kitchen, dance floor, TV, sound system, WiFi, pool table, library
✓ Outdoor bowling green
✓ Petanque pistes
✓ Croquet green
✓ Happy hours and social events
✓ Line dancing, table tennis, village choir
✓ Movies, concerts, exercise classes
✓ Mahjong, scrabble, billiards, indoor bowls
✓ Resident-organised trips and quiz evenings
✓ Multiple libraries with fiction, non-fiction, large print, DVDs, jigsaws, magazines
On your doorstep

Facilities & services

Recreation centre
Bowling green
Petanque pistes
Croquet green
Libraries
Maintenance team
Grounds maintenance
Village Wellness Team
Peace of mind

Care for life, on site

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

Independent
✓ Village Wellness Team support · Maintenance assistance
Where it is

Setting & neighbourhood

Midlands Gardens is located in Paraparaumu Beach on the Kapiti Coast, Wellington region. The village sits within a three-location retirement community (Sevenoaks, Midlands Gardens, and Muriwai Court) operated by Kapiti Retirement Trust. The setting offers easy access to local amenities while maintaining peaceful, well-maintained grounds with mature landscaping.

Interested?

Like the look of Midlands Gardens?

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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
74
Strong · #1 of 520
Better than 100% of NZ villages — yet the market median is just 46. The sector is tough.
Deferred fee
20%
~$116k on a $580k unit, over 3 years
Your share of capital gain
50%
you keep some of any uplift
Time to get capital back
~135 days
median, from 40 recent resales
Fees after you leave
Stop
good — many villages keep charging
7 years
Your estate receives
$549,000
Operator keeps (deferred fee)$31,000
Share of your $580,000 back95%
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 74 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%
You keep 50% of any uplift.
50
Speed your capital returns Median resale time — weighted 30%
135 days across recent resales.
89
Fees stop when you leave Weekly fees on exit — weighted 15%
Charges end on vacancy.
100
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

20% of $580,000 = ~$116,000

Accrues over your first 3 years, charged on the entry price.

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

Capital gain

50% to the resident

You keep a share of any increase in the licence value at resale.

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

How fast your capital comes back

~135 days median

Your capital is repaid once the unit is re-licensed to a new resident. (Operator-stated average: 120 days.)

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

Fees & interest on exit

Resident-friendly

Weekly fees stop when you vacate, 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 $116,000 is gone in deferred fees within 3 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