Nessa
National ranking · Capital Back

The best villages for getting your capital back

The 25 NZ retirement villages whose filed terms return the most of the entry payment to the resident's family — ranked by Capital Back score, built entirely from each village's own statutory Disclosure Statement. The market median is just 47/100: even a mid-50s score beats most of the country.

520
Villages scored
47
Market median
80
Top score
Wesley Court Retirement Village ★ #1 · Capital Back
Thames, Thames Coromandel

Wesley Court Retirement Village

80
Capital Back
4%
Deferred fee
~51d
Capital returned
See the full breakdown →
Top 25 of 520 scored villages

The ranking

Every figure below is from the village's filed Disclosure Statement. Click through for the full picture — lifestyle, care, and every component of the score.

#VillageLocationCapital BackDMFResale timeFees on exit
1 Wesley Court Retirement Village Thames, Thames Coromandel 80 Strong 4% ~51 days Continue
2 Midlands Gardens Retirement Village Paraparaumu, Paraparaumu 74 Strong 20% ~135 days Stop
3 Karaka Lifestyle Estate Karaka, Franklin 72 Strong 12.5% ~98 days Continue
4 Maran-atha Home New Zealand 72 Strong 2.5% — Stop
5 Northbridge Northcote, North Shore 71 Strong 2% ~116 days Stop
6 Atawhai Assisi Retirement Village New Zealand 70 Strong 4% — Continue
7 Tamahere Eventide Retirement Village Tamahere, Waikato 65 Strong 20% ~94 days Continue
8 Karaka Pines Regency Park Owhata, Rotorua 64 Above average 20% ~121 days Continue
9 Remuera Retirement Village Meadowbank, Auckland 64 Above average 28% ~0 days Stop
10 Addington Gardens Addington, Christchurch 63 Above average 30% ~45 days Stop
11 Amberley Country Estate Amberley, North Canterbury 63 Above average 24% ~45 days Stop
12 Edale Hadfield Court Marton, Marton 63 Above average 25% ~14 days Stop
13 Elderslea Village Elderslea, Upper Hutt 63 Above average 30% ~50 days Stop
14 Heretaunga Lifestyle Care & Village Silverstream, Upper Hutt 63 Above average 30% ~54 days Stop
15 Karaka Pines Papamoa Papamoa, Tauranga 63 Above average 12.5% — Continue
16 Karaka Pines Waihi Beach Waihi Beach, Western Bay Of Plenty 63 Above average 12.5% — Continue
17 Rhodes on Cashmere Cashmere, Christchurch 63 Above average 30% ~52 days Stop
18 Summerset Blenheim Springlands, Blenheim Central 63 Above average 25% ~14 days Stop
19 Summerset Mountain View Timaru 63 Above average 15% ~87 days Continue
20 Tamahere Country Club Tamahere, Hamilton 63 Above average 30% ~52 days Stop
21 Taradale Masonic Village Taradale, Napier 63 Above average 25% ~139 days Stop
22 The Bayview Judea, Tauranga 63 Above average 30% ~46 days Stop
23 Aria Bay Browns Bay, North Shore 62 Above average 30% ~66 days Stop
24 Bupa Ballarat Retirement Village Rangiora, Rangiora 62 Above average 28% ~102 days Stop
25 Cashmere View Retirement Village Cashmere, Christchurch 62 Above average 28% ~108 days Stop
Read this before you shortlist. Only villages with a published Capital Back score are ranked — 20 of the 540 villages we track don't yet have enough filed data for a score, so they're absent rather than marked down. A high score means the filed terms are capital-friendly; it says nothing about the lifestyle (that's the Life Score ranking), and the two are never blended. Full workings, weights and data rules: Capital Back methodology. Operators are invited to review their figures and respond — see our editorial policy.
A good score doesn't replace independent advice.Before anyone signs an Occupation Right Agreement, have an ORA-review lawyer or independent financial adviser — never paid by any operator — check what it means for your family.
⚖ Get independent advice →

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