Hutt Gables Retirement Village

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

Capital-unfriendly · #467 of 520

Better than 10% of NZ villages — yet the market median is just 46. The sector is tough.

Deferred fee

30%

~$137k on a $455k unit, over 3 years

Your share of capital gain

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

If you live here for

7 years

Your estate receives

$465,500

Operator keeps (deferred fee)$-10,500

Share of your $455,000 back102%

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 25 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.

Share of capital growth Capital gain to resident — weighted 15%

0% — the operator keeps any resale uplift.

Fees stop when you leave Weekly fees on exit — weighted 15%

Fees continue until the unit resells.

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% of $455,000 = ~$137,000

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, 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 $137,000 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

Life here

Living options

Independent Villas

What living here is actually like

Community & Activities

Facilities & services

Care for life, on site

Setting & neighbourhood