Step 1: Think about the lifestyle you would like
Choosing a retirement village isn't just about comparing the homes and facilities on offer, it’s also about finding somewhere that suits your lifestyle, interests, and the way you'd like to spend your time. Essentially, somewhere that feels like home.
Location and convenience
The location of a village can make everyday life both easier and more enjoyable. Whether you’re opting for a particular location for proximity to family, public transport, sense of community or access to facilities such as healthcare, this is an important consideration when choosing a village. Consider what's nearby, such as supermarkets, cafés, walking tracks, or local shops.
Independence with added flexibility
Many people choose retirement village living because it allows them to remain independent while enjoying a lower-maintenance, ‘lock up and leave’ lifestyle. Depending on the village, additional services such as housekeeping or meal services may also be available, freeing up more time for the things you enjoy. Many retirement villages also have a care home on site, which may provide an option should your needs change in the future.
Budget
Understanding your budget is an important part of choosing a retirement village. It's helpful to understand the entry payment, weekly fees, and any other costs that may apply, so you can compare villages with confidence. For more information, see our guide to what it costs to live in a retirement village.
Village atmosphere
Every retirement village has its own personality. Some have a larger, busier feel with a wide range of activities and facilities, while others offer a quieter, more intimate environment. Visiting a village is often the best way to get a sense of the atmosphere and decide if feels like somewhere you could see yourself living.
Facilities and amenities
The facilities available can vary from village to village. Depending on your interests, you might be looking somewhere that offers an indoor pool or gym, perhaps a bowling or putting green, or social activities such as van outings or active community centre.
Step 2: Understand the different types of homes available
One of the advantages of retirement village living is the variety of homes available. The right choice will depend on your lifestyle, preferences, and what you'd like your day-to-day life to be like.
- Villas are typically self-contained, single-level homes that offer plenty of space and privacy. Many include features such as a garden, outdoor living area, and an internal-access garage, making them a great option if you'd like a home that feels similar to the one you're living in now, but with less maintenance.
- Apartments offer a more compact, easy-to-manage lifestyle while still providing all the comforts of home. They’re a good option if you enjoy travelling, want a lock-up-and-leave lifestyle, or simply prefer a home that requires less upkeep.
- Serviced apartments combine independent living with the convenience of additional services. Depending on the village, these may include housekeeping, linen laundry, and meal services. They can be a great option if you'd like a little extra help with everyday tasks, leaving more time to focus on the things you enjoy.
As you compare the different types of retirement living in NZ, think about how you live today and how you'd like to live in the years ahead. The best choice is the one that feels most like home to you.
Step 3: Take a tour and get a feel for village life
Research is a great starting point, but there is no substitute for visiting a retirement village in person. Booking a personal tour gives you the opportunity to get to know more about the village and see the homes and facilities for yourself.
As you walk around, think about the village feels. Does it feel like somewhere you could happily call home? Does the atmosphere suit your personality and lifestyle? Do the shared spaces feel welcoming and well-frequented? These impressions are often just as important as the practical details.
It's also a great opportunity to chat with the village team and ask any questions you may have. Some useful topics to discuss include:
- What facilities and amenities are available within the village?
- What activities, groups, and social events are available for residents?
- Can I chat with a current resident about their experience?
- What do the weekly fees cover?
- What happens if I decide to leave the village?
Many retirement villages offer open days and virtual tours. These can be a useful way to explore your options, compare different villages, and create a shortlist before arranging a personal visit.
Step 4: Understand the costs involved
Retirement village living works differently from buying a home, so it's worth taking some time to understand how village costs are structured before making a decision.
Many retirement villages in New Zealand operate under an Occupation Right Agreement (ORA). Rather than purchasing the property itself, an ORA gives you the right to live in your chosen home under the terms of the agreement. The ORA also outlines important information such as your rights as a resident, the costs involved, and what happens if you decide to leave the village in the future.
There are a few key financial terms you'll come across during your research. These typically include:
- The Entry Payment, which secures your right to occupy the home, and which is payable on the commencement date.
- The Weekly Fee, which contributes to the cost of running the village and which is payable throughout the term of your ORA.
- The Amenities Fee (sometimes called a Deferred Management Fee) which contributes to the cost of providing accommodation.
Every retirement village is different, so it's important to understand exactly how costs are structured and what is included. Taking the time to review these details can make it easier to compare your options and make informed decisions.
For a more detailed explanation, read our articles What does it actually cost to live in a retirement village in NZ?
Step 5: Take your time, talk to family and friends
Choosing a retirement village is a big decision. Many people visit several villages, return for a second or third visit, attend an open day, and spend time comparing different options before deciding what feels like the best fit.
As you continue your research, don't be afraid to ask questions. Village teams are there to help you understand how village living works, explain costs and agreements, and provide information about homes, facilities, and village life.
You may also find it helpful to talk with family, friends, or trusted advisers. Talking things through can help you reflect on what's most important to you and feel more confident in your decision.
Under the Retirement Village Act 2003, there is also a 15 working-day cooling-off period after signing an Occupation Right Agreement (ORA), giving you time to reconsider if you change your mind.
Next steps
Retirement village living isn't one-size-fits-all, which is why Bupa offers a range of homes, locations, and communities across New Zealand. Whether you're looking for a villa, apartment, or serviced apartment, there are homes to suit different lifestyles, preferences, and budgets.
Each of Bupa’s 35 retirement villages has its own character, community, and range of facilities, which is why many people like to visit a few before deciding which one feels right for them.
If you'd like to learn more, you're welcome to visit a village, attend an open day, take a virtual tour, or chat with a village manager. Our team can answer your questions, explain how retirement village living works, and help you explore the options available in your area.
