Summerset in the Bay
photos: operator / Village Guide
Retirement living · Greenmeadows, Napier

Summerset in the Bay

Summerset Villages (napier) Limited · Greenmeadows, Napier · amongst world-renowned vineyards · independent villas + apartments + care for life
Life Score
83
Exceptional
Capital Back
54
the money ↓
See what life here is like — then weigh what it means for your family further down.
The village

Life here

Summerset in the Bay sits on an idyllic site at the northern end of Church Road in Greenmeadows, surrounded by world-renowned vineyards and close to Orotu Park. Residents enjoy bright, spacious modern homes—from two-bedroom villas with gardens to serviced apartments—all designed to capture the exceptional Hawke's Bay weather. When not relaxing in the sunshine or visiting nearby wineries, there's a full calendar of on-site activities, a Divine Café serving fresh local produce, and a Ministry of Health-certified care centre for those who need support as they age.

Your home

Living options

Homes designed for the Hawke's Bay lifestyle

Modern, bright and spacious living options ranging from independent villas with gardens to serviced apartments and care rooms, all thoughtfully laid out with contemporary finishes.

2-bedroom villas or 2-bedroom with study
Open-plan living with contemporary kitchen and large bathroom
Self-contained laundry and single garage with internal access
Outdoor living area and garden (villas)
1- and 2-bedroom apartments
Serviced double-bedroom apartments
Care centre rooms (Ministry of Health certified)
Living options
A day in the life

What living here is actually like

An Activities Coordinator ensures there's always something to do—as much or as little as you choose.

Year-round activities and dining

The village takes full advantage of Hawke's Bay's fantastic weather with outdoor facilities, but also offers plenty of indoor options. The Divine Café and in-house catering serve contemporary menus prepared on site using wholesome, seasonal, fresh and locally-grown produce.

Exercise room and exercise classes
Recreational bowling green and lawn bowls
Petanque
Indoor spa pool
Resident bar with happy hours
Library and computer with internet access
Hair salon
Piano and arts & crafts
Pool table
Resident workshop
Lounge with large screen TV
Barbecue facilities
Organised outings and activities
Social outings and resident dinners
Organised entertainment
Courtesy van
Divine Café
Always something on
On your doorstep

Facilities & services

Exercise room
Recreational bowling green
Lawn bowls
Petanque
Indoor spa pool
Resident bar
Library
Hair salon
Piano
Arts & crafts
Pool table
Resident workshop
Lounge with large screen TV
Barbecue facilities
Computer with internet access
Divine Café
Courtesy van
Peace of mind

Care for life, on site

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

IndependentServicedRest homeHospital
✓ Doctor available for appointments · Physiotherapy available for appointments · Emergency call system in units · Housekeeping · Linen change
Care and community
Where it is

Setting & neighbourhood

Summerset in the Bay is situated on a sunny site at the northern end of Church Road in Greenmeadows, Napier. Located in an idyllic position right amongst world-renowned vineyards, the village has easy access to state highways while being close to local shops and pharmacies. The setting is enhanced by proximity to Orotu Park and its recreational facilities, making it an ideal retirement destination for those seeking the Hawke's Bay lifestyle.

Interested?

Like the look of Summerset in the Bay?

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.

We only use this to send you village info. Independent — no operator pays to be listed.
✓ On its way

We'll email the details shortly.
Want a second opinion on the contract too? Get independent advice →

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
54
Around average · #118 of 520
Better than 77% of NZ villages — yet the market median is just 46. The sector is tough.
Deferred fee
25%
charged on your entry price
Your share of capital gain
0%
operator keeps 100% of any uplift
Time to get capital back
~103 days
median, from 15 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 54 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%
25% deferred fee — lower is better.
38
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%
103 days across recent resales.
94
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%
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

25%

Accrues over your first 2 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

~103 days median

Your capital is repaid once the unit is re-licensed to a new resident.

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

Fees & interest on exit

Resident-friendly

Weekly fees stop when you vacate.

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