Nessa
Capital Back 40 ⚖ Get independent advice
Gracedale Village
photos: operator / Village Guide
Retirement living · New Zealand

Gracedale Village

Gracedale Village Limited · Mount Roskill, Auckland
Capital Back
40
the money ↓
See what life here is like — then weigh what it means for your family further down.
Gracedale VillageGracedale VillageGracedale VillageGracedale VillageGracedale Village
The village

Life here

Gracedale aspires to be a haven offering comfort, support, and enduring care. The community is grounded in Christian values aligned with Te Tiriti o Waitangi health principles, prioritising five key values: Compassion & Love, Respect & Dignity, Honesty & Transparency, Service & Humility, and Community & Fellowship. Full-time nursing and caregiving staff provide the extra support needed to help residents live safely and meaningfully while maintaining their independence.

Your home

Living options

Gracedale Living

A comfortable and supportive environment designed specifically for people who need assistance with daily living activities but still want to maintain their independence.

✓ Rest Home level care
✓ Hospital level care
✓ Palliative level care
Living options
A day in the life

What living here is actually like

Meet our team

Dedicated Care Team

The staff of registered nurses and qualified caregivers are all dedicated, caring people who have ongoing training to meet the needs of all those residing at Gracedale.

✓ Registered nurses on staff
✓ Qualified caregivers
✓ Ongoing professional training
✓ Full-time nursing and caregiving support
Peace of mind

Care for life, on site

If your health changes, you won't have to leave the place you know. Gracedale Village offers these levels of care on site:

Rest Home→Hospital→Palliative
✓ Assistance with daily living activities · Nursing care · Caregiving support · Palliative care
Care and community
Where it is

Setting & neighbourhood

Gracedale is a residential aged care community in Mount Roskill, Auckland, offering a home-like environment with professional care support.

Interested?

Like the look of Gracedale?

Get the brochure, current pricing and availability, or book a look around — sent straight to you. No pressure, and we'll never pass your details to the village without asking.

We only use this to send you village info. Independent — no operator pays to be listed.
✓ On its way

We'll email the details shortly.
Want a second opinion on the contract too? Get independent advice →

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
40
Below average · #343 of 520
Better than 34% 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
~90 days
operator-stated average
Fees after you leave
Continue
charged until the unit resells
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 40 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. Full methodology →

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 Filed resale times — weighted 30%
90 days (operator-stated average).
96
Fees stop when you leave Weekly fees on exit — weighted 15%
Fees continue until the unit resells.
0
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 5 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

~90 days operator-stated average

Your capital is repaid once the unit is re-licensed to a new resident.

Market: median 128 days; some villages still average over a year.
!

Fees & interest on exit

Watch this

Weekly fees continue until the unit resells.

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