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Entering into a Retirement Village is a big decision and lot more complex than buying a house. It’s important that you fully understand your rights and obligations before committing.

It’s important to do your research and seek expert legal advice before entering a retirement village. This will help you make an informed decision and ensure that you have the right strategies in place to make retirement living a breeze.

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Our Speciality

Proper Legal Advice

You will be assigned both a solicitor and conveyancer to your matter, ensuring you have proper legal advice and the procedural aspects of your matter handled by the right people.

Complimentary Consultation

You will receive a complimentary estate planning consultation with our specialist estate planning team.

Professional Fixed Fees

Professional fixed fees with no sundries charged to you (like photocopying, postage and administration) Disbursements passed on to you directly, so you only pay for what you use.

Approved + Certified

All solicitors and firm approved annually by the ACT Law Society Practice management software in use receives the coveted NSW Law Society Certification.

Fully Audited Trust Account

Fully audited trust account available for your convenience.

No Property Left Behind

Prepared for paper or PEXA settlements, e-conveyancing ready and skilled in ACT and NSW property transactions. Ask us about auction or private treaty, whether for established properties, off-the-plan or vacant land.

Start your adventure here:

You should consider:

Contracts: You will need to sign a legally binding contract. You need to make sure you seek legal advice and understand the terms before signing.

Costs: Retirement villages have a range of fees and charges, including In-going Contributions, Recurrent Charges and Departure Fees. Make sure you understand all the costs involved and how they will impact your finances in the long and short term.

Rights and responsibilities: There are certain responsibilities you hold when entering a retirement village, these may include things like maintaining your unit, paying fees on time, and following village rules.

Accreditation and regulation: Retirement villages in Australia are regulated by state and territory legislation. Make sure you understand the regulatory requirements and look for retirement villages that have been accredited or certified by industry bodies.

Exit strategies: When you leave the retirement village, there may be a range of options for exiting, such as selling your unit or renting it out. Make sure you understand these options and how they may impact your estate’s finances.


How Does It Work? - Sublease/Underlease

Under this model, the Retirement Village Operator owns the Retirement Village and leases a residential unit to you. This is similar to if you were a standard residential tenant.

There may be ongoing contribution fees, recurrent and departure fees that are applicable.

Unit Title

If your retirement village uses a Unit Title model, you as the resident purchase a unit within a units plan which is subject to certain rules and restrictions.

In this case you will own the unit. However, you will likely be required to sign further documents that record your rights and obligations to live within the retirement village.

There may be levies that you must pay for managing and maintaining the property which may change annually. You may also have to pay recurrent charges in addition to the levies.

Loan/Licence Model

When using a Loan or Licence, the Retirement Village Operator owns the land and gives you a licence to live in the unit.

Typically, the operator will require an ingoing contribution as well as recurrent charges to be paid.

When using the loan or licence model, your name will not appear on the land titles register.

The amount refunded to you or your estate upon departure will vary according to the contract and agreements in place between you and the retirement village operator.

Retirement In The Time Of COVID-19

No matter how you would like to proceed with your matter, we can accommodate your needs. We have streamlined and simple digital systems that allow us to complete your matter contactless.

Retirement Village Entry Steps Can Morris Legal Group help?
Click here to contact and get your property journey started!
Contract and Agreement ReviewAll advice can be issued in writing and either emailed or posted to you. Advice also includes a videoconference, meeting or telephone call to discuss our advice.
Verification of IdentityThis can either be completed in person at our office, or done digitally.
Execution of Retirement Village Documentse-Signing can be used where the parties consent. Alternatively, documents can be signed in person at our office.
Witnessing (if required)We can also tend to witnessing remotely (where permitted by law) if required.
Deposit PaymentFor your convenience, you can either choose to pay your deposit to our trust account or directly to the agent. Both are done remotely.
Document DeliveryWe can arrange for documents to be delivered via email, post or contactlessly dropped to you.


Excellent staff, Raina was superb, thorough & very accommodating, nothing was a bother.

- Rona

Communication was excellent. Information was provided in a way that made the whole transaction very easy. Raina was awesome.

- Melody

The process ran very smoothly, they took us through everything step by step and explained things very well which helped to make the whole process stress free.

- Jade & Udaya

Competent and efficient service, good communications, outcome as promised and expected.

- Benjamin

I had dealt with Raina at another firm and she demonstrated great support and rapport understanding our issues and helping us to sell and buy.

- A

Get your property toolkit

How to win at retirement

Yes, property is tricky. We have compiled a winner's guide to property so that you can be prepared and even enjoy yourself along the way.

From getting your contracts reviewed to settlement day, there are several key steps to tick off before committing to a retirement village.
Download our fact sheet to see what they are.
The cooling-off period is a 7-day window that allows you to rescind the contract without any penalty if you decide not to proceed into the retirement village.
However, your cooling-off period is waived if you move into the property before the end of the 7-day period.
Learn more by downloading our fact sheet.
The Settling-in period is normally the first 90 days after settlement which provides you as the Resident the opportunity to rescind the contract with relatively small fees.
Typically, Residents that invoke their rights under the Settling-in period will have to pay any rent due to date, any costs for repairs and an administrative fee of up to $200.
If you would like to know more, click here to get in touch with our experienced team.
Advice is important to protect your rights and get your money back when you depart.
It is also important that you understand how moving into a retirement home may impact your will and estate.
Get in touch with our team to learn how we can help.
You have the right to a 7-day cooling off period, and a 90-day settling in period, during which you can walk away from the arrangement without having to pay the Departure Fee. This can give you the comfort to enter the Retirement Village, get your bearings and be comfortable in your decision before it’s irreversible. The positive feedback we receive from our clients is that a well-run Retirement Village improves their lifestyle and extends the length of time they can live independently on their own. You may need to think about your next move if it is likely that you will need to transition to aged care. Give careful consideration to this if you are entering the Retirement Village as a couple, and only one of you will require a higher level of support and care soon. Some Retirement Villages cater for different lifestyles and levels of care in one location, so it pays to look around.
Commonly in Sublease/Underlease models and Loan/Licence models, you will be asked to make certain payments when you enter into the Retirement Village, including:
  • the Ingoing Contribution, which is an interest-free loan to the Retirement Village Operator.
  • the Recurrent Charges, which are your monthly levies.
  • the Departure Fee, which is usually payable when you exit the village.
When you enter into a Unit Title and own your own property, you will need to purchase the unit or apartment in addition to contributing strata levies and recurrent charges. Depending on the term of your residence and the arrangements at the Retirement Village, you may pay a Departure Fee when you leave.Depending on the Retirement Village, there may be additional or other payments that Residents may be asked to pay.
Retirement Village entry involves some complexity and we do recommend that Residents consider their circumstances closely prior to committing. We recommend that you seek financial advice to ensure that the financial structure of your preferred Retirement Village is suitable and affordable for you. You will also need to plan for your future care requirements if you have to take the next step to move into aged care and whether the timeframe for receiving your funds will affect which aged care you can afford, especially if you are a couple and only one of you needs to transition to aged care. We always recommend that you seek legal advice before you enter into a Retirement Village contract. This advice will include and is not limited to checking whether the documents are compliant with the relevant legislation and, depending on the Retirement Village model, how you may need to protect the funds you have paid.


Need a quick reference for your retirement? Download a Fact Sheet now!

How can we help you?

If hold an Enduring Power of Attorney, please advise us in the last section of this form.

Where do you currently live?

Which retirement village are you looking to enter?


Leave blank if the property is established (or if you're not sure).

When do you expect to move into the retirement village? (Approximation is fine).

Note: Please let us know if you have received a disclosure statement, and/or are acting with an Enduring Power of Attorney.