THE DETAILS: A SNAPSHOT

Mountain View, New Plymouth (Summerset): Deferred management fee of 5 per cent on entry, plus 5 per cent per year, capped at 25 per cent. Weekly fees can increase annually, up to the percentage increase of superannuation. Weekly fees stop as soon as resident vacates. No interest paid to resident if unit takes longer than six months to sell. Parkwood, Ka¯ piti Coast (independent, trust-run): Nonrefundable $35,000 entry fee for villas. Insurance and internal maintenance not included. Weekly fee can change and continues to be charged until a replacement resident is found (unless the resident has moved to the onsite rest home). On leaving, resident gets the new value of the unit, minus 20 per cent (one of few villages that shares capital gain). Mary Doyle, Hawke’s Bay (Arvida): Deferred management fee of 7.5 per cent a year, capped at 30 per cent. Weekly fees are fixed for life and stop as soon as resident moves out. Interest paid to resident if unit takes longer than six months to sell.

Coastal Villas, Paraparaumu (Metlifecare): Deferred management fee of 10 per cent a year, capped at 30 per cent. Weekly fees are fixed for life and stop as soon as resident moves out. Interest paid to resident if unit takes longer than nine months to sell.

Charles Upham, Christchurch (Ryman): Deferred management fee of 4 per cent a year capped at 20 per cent. Weekly fees are fixed for life and stop as soon as resident moves out. Interest paid to resident if unit takes longer than six months to sell.

St Andrews, Waikato (BUPA): Deferred management fee of 10 per cent per year for two people, capped at 30 per cent. Weekly fees can be increased annually, up to the superannuation increase level, and fees continue until unit is resold, up to six months.