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Retirement Living Financials Explained

We've developed a range of easy to understand flexible financial options for our retirement villages designed to suit your individual circumstances.

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three over 55s women enjoying independent living in baptistcare retirement village socialising and having a meal during their retirement

Loan Licence Agreement

BaptistCare Retirement Villages offers Loan Licence Agreements, where the price of your home is paid as an interest free loan to BaptistCare, giving you a guaranteed licence to live in your home for as long as you wish. A Loan Licence Agreement provides greater flexibility than traditional home ownership and offers the following benefits:

  • No Stamp Duty payable
  • No capital replacements unlike strata titled arrangements
  • No refurbishment or resale costs when you leave
  • Guaranteed fixed return (there is no capital loss or gain)
  • You can free up your cash for lifestyle choices
  • Full change of mind refund up to 90 days after moving in


There are just two costs associated with a Loan Licence Agreement:

  • Entry Payment, also known as an Ingoing Contribution, which guarantees you the right to live in your home.
  • A fortnightly fee, also known as a ‘recurrent fee’, generally cover council and water rates, building insurance, maintenance both inside and outside your home, gardening, upkeep of any shared facilities and the cost of any village staff.
over 55s retirement couple enjoying stretching and exercise activities independent living in baptistcare retirement village

Flexible Entry Payment Options

Retirement Living Locations

Click through to find your nearest BaptistCare Retirement Living Community.

Find a retirement village

Things you should know:

  1. You will have to pay a departure fee when you leave this village.
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