Summerset in the Sun
photos: operator / Village Guide
Retirement living · Stoke, Nelson

Summerset in the Sun

Summerset Villages (nelson) Limited · leafy Stoke suburb · villas, townhouses, serviced apartments + certified care centre
Life Score
80
Exceptional
Capital Back
52
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 Sun sits in the green, leafy suburb of Stoke, just 10 minutes from Nelson City and steps from the popular Railway Reserve walkway. Modern villas and townhouses offer space for visitors, while serviced apartments and care rooms provide support as needs change. An on-site Activities Coordinator keeps the calendar full, and the Divine Café serves fresh, locally grown seasonal menus. Life here balances Nelson's outdoor charms—nearby beaches, walking trails, bowling greens—with warm community and the security of care available when you need it.

Your home

Living options

Homes for Every Stage

Choose from spacious villas with gardens and garages, one-bedroom townhouses with studies, serviced apartments with support, or care rooms in the Ministry of Health certified care centre.

3-bedroom villas or 2-bedroom with study
Modern, bright open-plan living
Contemporary kitchen, large bathroom, self-contained laundry
Outdoor living and garden
Single or double garage with internal access
1-bedroom townhouses with studies and outdoor areas
Serviced apartments with support
Care centre rooms: standard, premium, deluxe options
Living options
A day in the life

What living here is actually like

An on-site Activities Coordinator fills the calendar with regular outings and entertainment.

Village Life & Dining

The Divine Café serves contemporary menus prepared on-site with wholesome, seasonal, locally grown produce. Indoor and outdoor facilities take full advantage of Nelson's fantastic climate, with something to do rain or shine.

Divine Café with in-house catering
Outdoor swimming pool
Indoor and outdoor spa pools
All-weather bowling green and lawn bowls
Exercise classes and exercise room
Library and piano
Residents' bar with happy hours
Communal vegetable gardens
Organised outings and activities
Resident dinners and entertainment
Cards, board games, arts and crafts
Petanque
Pool table
Courtesy van
Computer with internet access
Always something on
On your doorstep

Facilities & services

Divine Café
Outdoor swimming pool
Indoor spa pool
Outdoor spa pool
All-weather bowling green
Lawn bowls
Exercise room
Exercise classes
Library
Piano
Hair salon
Beauty clinic
Residents' bar
Communal lounge
Lounge with large screen TV
Barbecue area
Residents' workshop
Communal vegetable gardens
Computer with internet access
Pool table
Petanque
Courtesy van
Organised outings and activities
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 Sun offers these levels of care on site:

IndependentServicedRest homeHospitalSecure dementia
✓ 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 Sun is situated in the green, leafy suburb of Stoke, adjacent to the popular Railway Reserve walkway, which provides walking and biking trails to Richmond, Stoke and Nelson. Local beaches are just a short distance away, and Richmond and Nelson City are just 10 minutes' drive. Nelson is famously one of the sunniest, most agreeable places in New Zealand, both in climate and nature, making it an idyllic place to retire and take full advantage of the region's outdoor charms.

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
52
Around average · #153 of 520
Better than 71% 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
~160 days
median, from 33 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 52 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%
160 days across recent resales.
85
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

~160 days median

Your capital is repaid once the unit is re-licensed to a new resident. (Operator-stated average: 168 days.)

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