Methodology · v2 · July 2026

How the Capital Back score works

A 0–100 score of how much of the resident's capital comes back to the family — computed purely from each village's own statutory Disclosure Statement. Nothing subjective, nothing paid for, every input shown on the village page.

The five components

ComponentWeightWhat it measures
Deferred Management Fee30%The share of the entry price the operator keeps. 0% scores 100; 40%+ scores 0. Market median: 30%.
Repayment speed30%How long families waited for capital after a resident left, from the disclosure's own resale figures. 60 days scores 100; two years scores 0.
Capital-gain share15%The resident's share of any increase in the licence value at resale. Most villages: 0%.
Fees stop on exit15%Whether weekly fees stop when the resident vacates, or continue until the unit resells.
Interest on delayed repayment10%Whether the operator pays interest if the capital is returned late.

The repayment-speed rules (the part that matters most)

Disclosure Statements report two very different kinds of "days to dispose":

Further rules, applied identically to every village:

Missing data never counts against a village

If a term isn't stated in the disclosure (or our extraction couldn't read it), that component is dropped and the score is renormalised over the remaining weights. A village is never scored worst-case for a field we couldn't verify — pages show "not stated" rather than a number we don't have.

What the score is not

It is not a judgment of care quality, community, or whether you'd love living there — that's the Life Score, shown alongside and never blended. It is not financial advice. And it is not for sale: no operator can pay to change any number on this site — see the editorial policy.

Versioning & right of reply

This is version 2 (July 2026). Weights and rules are published here and versioned when they change; scores are recomputed when a village files a new disclosure. Operators who believe a figure misreads their filed documents can request a review — we check against the source filing and correct promptly if we're wrong.