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St Lukes Close Village
photos: operator / Village Guide
Retirement living · Havelock North, Hastings

St Lukes Close Village

Heritage Lifecare Villages Limited · Havelock North · independent villas and units in a landscaped garden community
Life Score
20
Basic
Capital Back
58
the money ↓
See what life here is like — then weigh what it means for your family further down.
St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village St Lukes Close Village
The village

Life here

Set amongst beautifully landscaped gardens in Havelock North, St Lukes Close Village offers independent living with the security of Heritage Lifecare's broader network. Residents enjoy charming one- to two-bedroom homes, easy access to local shops and services, and a warm community spirit. When health needs change, Waiapu House Lifecare is just down the road, ensuring continuity of care from village through to hospital and respite.

Your home

Living options

Independent Living

Charming, light and bright homes in a welcoming village setting

✓ One-bedroom units
✓ Two-bedroom units
✓ Villas
✓ Beautifully landscaped gardens
Living options
A day in the life

What living here is actually like

St Lukes Close offers a vibrant community life with activities, wellness services and social connection.

Everyday Life & Activities

From hairdressing and spa treatments to exercise programmes and happy hour, there's always something to enjoy. Residents participate in gardening, board games and recreational activities, all supported by trained staff.

✓ Hairdressing
✓ Physiotherapy
✓ Speech therapy
✓ Spa treatments
✓ Gardening activities
✓ Happy hour
✓ Exercise programme
✓ Board games
✓ Social and recreational activities
Always something on
On your doorstep

Facilities & services

Landscaped gardens
Hairdressing salon
Physiotherapy services
Speech therapy
Spa treatments
Activity and recreation spaces
Peace of mind

Care for life, on site

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

Independent
✓ Physiotherapy · Speech therapy
Care and community
Where it is

Setting & neighbourhood

St Lukes Close Village is located in Havelock North, a popular village community in Hastings, Hawke's Bay. Just a short walk or hop from the Havelock North shopping centre, residents have easy access to essentials including a supermarket, takeaways, pharmacy, library and cinema. A short drive away is Hastings town centre. The village is positioned near Waiapu House Lifecare, Heritage Lifecare's care home, ensuring seamless access to higher levels of care if needed.

Interested?

Like the look of St Lukes Close?

Get the brochure, current pricing and availability, or book a look around — sent straight to you. No pressure, and we'll never pass your details to the village without asking.

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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
58
Above average · #69 of 520
Better than 87% 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
~153 days
median, from 1 recent resales
Fees after you leave
Stop
good — many villages keep charging
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 58 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
Speed your capital returns Median resale time — weighted 30%
153 days across recent resales.
86
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

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.
⏱

How fast your capital comes back

~153 days median

Your capital is repaid once the unit is re-licensed to a new resident. (Operator-stated average: 153 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.
  • 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