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Retire in comfort
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A HOME FOR THE GOLDEN YEARS As growing numbers of people are choosing to downsize to age-exclusive developments, Carla Passino discovers what makes a great retirement property
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UYING a new house is always a big decision, but never more so when considering downsizing and embracing a new lifestyle in an age-exclusive development. ‘When someone has to decide whether to move out of their family home, where they raised their family, it’s difficult. Not everyone will want to do it, but what senior housing does is to give people an alternative,’ says Lauren Harwood, head of senior housing research at Knight Frank, who notes that the market for retirement schemes has been expanding steadily in the past 18 months. ‘As the sector grows, there are more options: different price points, options in terms of buying or renting or in terms of whether you want to live in a village-style community in a suburban area or in an urban context. It gives people lots of opportunities.’ As choice widens, however, the features that make a retirement property particularly sought-after can sometimes turn out to be strikingly similar to those that rule the open market: in both cases, location tops the charts. A 2019 survey by Knight Frank revealed that more than half of the respondents saw
location as the most important factor when choosing a property for their golden years. This comes as no surprise to Paul Aitkenhead of Lifestory, a developer that specialises in building houses to suit different life stages. ‘A lot of the time, our customers have large rural houses that become a little too much for them and they realise they’d rather see their grandkids, go on cruises or see the world than maintain their home. In those cases, they either move closer to their family or to somewhere where they can walk to local amenities.’
‘The amenities and fivestar hospitality services help to foster and encourage interaction’ The big difference with open-market housing is that age-exclusive schemes promise to take the hassle out of everyday life, so that people can have more spare time to enjoy their ideal location: ‘What we do is ensure we keep our end of the bargain: lifts
work, if anything gets a bump when people are moving in, it is redecorated, everything is kept fresh, the gardens are well looked after,’ notes Mr Aitkenhead. That said, there’s one area where many people would rather remain hands-on: some light gardening. A slice of green space—in addition to manicured communal gardens— remains a prized asset. ‘There is quite a range of what people are looking for, but I’d say top of the list normally comes outdoor space,’ reports Mr Aitkenhead. ‘People are happy to give up their home and garden, but always want their little private outside space. As much as we have communal gardens, sometimes you want that space and time to yourself.’ For every retiree seeking privacy, however, there’s another who relishes the opportunity of becoming part of a like-minded community
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and that’s where having access to a wide range of communal amenities can really make the difference: ‘The modern amenities and fivestar hospitality services available within our developments help to foster and encourage interaction among residents,’ says Jason Leek, CEO of Riverstone. ‘Although bespoke care provision shouldn’t be overlooked, the over65s want to live a life that is uncompromised.’ Riverstone’s schemes fall into a particular category of age-exclusive living called housing with care. Mrs Harwood explains that the market is split into two main models: traditional retirement housing, in which people buy or rent an apartment and have access to communal gardens and social areas; and housing with care, which makes up about 15% of the accommodation stock and is rather akin to branded residences in that it offers
TO CARE OR NOT TO CARE ‘In housing-with-care developments, healthcare service is available as and when required,’ points out Knight Frank’s Lauren Harwood. ‘This can range from assistance with some activities and medication management to buddy schemes or, if you have a particular condition, specific support that you can get in your own apartment. It allows people to live independently, but if they need a little more help, it’s there—you can have it at home and it’s very flexible.’
a dizzying array of luxury services and attractions. In those developments, ‘you’d expect a restaurant and a bistro, probably a more casual cafe, quite often private dining that you can book for a family event; you have wellness (often gym, swimming pool and spa), a hobby and activities room and other amenities, such a library, study area and hairdresser’s,’ according to Mrs Harwood. ‘What these operators do really well is the service and
hospitality. You are likely to have a concierge and reception staff to help you sort out problems, people doing landscaping and maintenance, all the way through to yoga, card clubs and book clubs, run by both operators and residents.’ With so much going on, it’s a wonder that people manage to spend any time inside their new homes. However, having enough indoor space is important to downsizers that want to keep hold of some of their 37
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old furniture and many developers know that. ‘Operators have a very good idea of who they are targeting when they build their scheme, so they may have oversize apartments, ones that are slightly bigger than if you merely bought a flat,’ says Mrs Harwood. ‘They cater to that.’ Mr Aitkenhead says Lifestory works with a third-party company to offer a complete and bespoke service that helps people declutter and move, ‘looking at floorspace, what furniture they have, where everything is going to go and perhaps putting some pieces up for auction or donating them to charity’. That said, he continues, the best retirement interiors make the most of light and space: ‘We have a focus on designing around wellbeing, so our apartments are very bright, our corridors are very wide and we have big floor spaces. All is designed around our customer and the feedback we get, such as what’s the right height to place the oven—all these things are considered. Everything is integrated, so it looks as if it’s meant to be. For example, our New Forest development has country-feel kitchens.’ This wellbeing-centred approach requires a lot of thought and kitchens, in particular, pose perhaps one of the greatest design conundrums, with buyers often split into two camps. ‘Some people like an open-plan area because they feel cooking has a social side; others are very
St Elphin’s Park, Matlock, Derbyshire (previous pages) Set in 14 acres of grounds in the Peak District, this village centres around a former Victorian school, which houses a health and leisure club complete with pool, spa, library and restaurant. A mix of new-builds and re-sale properties is available, with prices from £245,000. Audley (01629 258873; www.audleyvillages.co.uk) Sarum Lodge, Salisbury, Wiltshire Only a few apartments remain for sale at this development close to Salisbury’s Charter Market, which has a communal area where people can relax, read a book or socialise and a bookable guest suite where friends and family can stay when visiting. From £249,950. Churchill Retirement Living (01722 562539; www.churchillretirement.co.uk)
W H AT A B O U T P E T S ?
Buyers looking to downsize are often undaunted by the prospect of parting with old furniture and belongings, but leaving behind a beloved dog, cat or rabbit is out of the question. Luckily, many age-exclusive developers, such as Audley Villages and Churchill Retirement Living, welcome animals. ‘We know that keeping a pet can reduce stress, provide companionship and help to increase physical activity, all of which is essential as we get older,’ says Spencer McCarthy, chairman and CEO of Churchill Retirement Living. ‘More importantly, we know that many of our owners simply wouldn’t
contemplate leaving their furry friends behind, which is why pets are welcome at Churchill.’ Audley Villages shares the same approach, with managing director of operations, Paul Morgan, revealing that owners are encouraged to bring their pets, ‘be that their golden retriever, pet rabbit or even lizard’. Indeed, he continues, ‘having pets around our villages really strengthens the community feel and now that that the rule of six is back, it can lead to new friendships, with owners choosing to walk their dogs together in the beautiful grounds and surrounding green spaces’.
traditional, preferring to stay separated from the living area and then present the food once it has been prepared, like a magic trick.’ As far as decisions go, picking a kitchen is clearly almost as big as choosing whether to downsize. For the latter, at least, Mr
Riverstone Fulham, London SW6 This luxurious riverside development comprises 161 beautifully designed apartments that combine style with practicality and private outdoor space. The scheme makes the most of its setting with gardens overlooking the Thames and complements this with an array of amenities that includes library, bar, restaurant, cinema, pool and spa. From £860,000. Riverstone (020–7349 1911; www.riverstoneliving.com).
A pleasant walk around Churchill’s Lockyer Lodge, in Sidford, Devon, might afford a glimpse of rescue poodle Molly, whereas at Audley’s St George’s Place, in Birmingham, you might catch sight of Inky, a shih-tzu, or Daisy and Scampi, a Jack Russell terrier and ‘Heinz-57’ respectively, being walked by their owners. But perhaps the most popular Audley dog is Pizza, a 16year-old Norwich terrier that lives at Cooper’s Hill, in Englefield Green, Surrey. Although ‘he’s getting on a bit these days’, his owner, Jenny Warner, reports that ‘he is considered quite the pin-up’.
Aitkenhead has a solution at hand: try before you buy. ‘We offer a rent-to-buy option called Lifestory Choice to Buy: people can rent with us and, if they sell their home and choose to buy from us within the first six months, they get their rent refunded.’
Sandbanks Road, Poole, Dorset Long views of Poole Park are a perk for buyers at Lifestory’s Sandbanks Road development, which is situated close to the Dorset town’s centre. The scheme comprises 32 apartments, many of which have private terraces or balconies. Prices start from £350,000 or £1,957pcm (including service charge). Lifestory (0808 258 0000; www.lifestory.group)
Ridgmount Apartments, Wimbledon, London SW19 A short walk from Wimbledon village, this new development offers 20 stylish, contemporary apartments, elegant communal areas, including delightful landscaped gardens, and concierge services. Prices start from £650,000. Knight Frank (020–8099 8943; www.knightfrank.com)
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the good life It’s hard to imagine a more gracious way of living than residing in a stone cottage within idyllic landscaped grounds, framed by the rolling Cotswold countryside. Newlands of Stow offers precisely that and more.
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ewlands of Stow is where like-minded people who wish to get the most out of life can thrive in a warm, welcoming community, whilst making new friends and memories. Relax in the country club atmosphere where nothing is too much trouble. Alternatively, for a change of pace, explore the culture and charm of nearby worldrenown Gloucestershire villages and market towns. Whatever your desires or needs, Newlands of Stow offers you a highly individual life now, and in the years to come.
YOUR CHOICE. YOUR PEACE OF MIND Set around beautiful formal gardens is a collection of superb Independent Living Cotswold stone cottages and spacious apartments exclusively for the over 55s. All are designed to reflect the elegant proportions and historic architectural style of the estate’s original country house. Whichever property option you might choose, the ownership model offers the freedom to live life exactly as you would wish. Along with the reassurance that Newlands of Stow expert staff are always on hand to support both you and your home, both now and in the future. The handcrafted three-bedroom Independent Living cottages and apartments offer the opportunity to rightsize but still retain a sense of grand living. From the honeyed tones of the exterior, to every aspect of the interior, they’ve been designed to the highest standards. With no maintenance worries, you have the freedom to enjoy all the benefits of a selection of exceptional on-site facilities. The collection of elegant one and two bedroom apartments are ideal for when you value your independence but require
co-ordinated support and lifetime security in a setting of your choice that meets any future needs.
THE PERFECT SETTING Newlands of Stow offers all the benefits of countryside living with the convenience of being within walking distance of the historic market town of Stow-on-the-Wold. There’s a treasure trove of art galleries, antique shops and culture to explore. Food connoisseurs will delight at the numerous cafés, delis, and top-rated restaurants. Celebrated stately homes, gardens, music festivals, theatres and museums are just some of the attractions nearby. There’s little doubt that Newlands of Stow offers an exceptional way of life. some professional assistance. The apartments have been carefully designed for couples or individuals who prefer single-level living with of a range of support services, housekeeping and hospitality. The registered domiciliary service at Newlands of Stow is rated Outstanding by CQC, so it’s hardly surprising to learn that it’s amongst one of the most highly regarded establishments of its kind in the country.
RIGHTSIZING A considerable obstacle in the desire to rightsize is the lack of opportunity to move somewhere that offers the range and quality of accommodation, sought by retirees and their families. For many, the compromise is just too much. Most people are accustomed to the spaciousness of their current home. At Newlands of Stow, there’s a range of property solutions to overcome this, with some larger floor areas being similar to small family houses and apartments. However, perhaps the most significant benefit of rightsizing here comes from moving in to a new home before needs become too substantial. This in turn secures
AN INDIVIDUAL TOUCH Fancy watching a chukka or four at Cirencester Polo Club? Are you intent on viewing the latest production at Chipping Norton or Stratford? Like to host a private soirée in your own home? Cocktail reception on the garden terrace? From our incredibly helpful concierge, our team of friendly and dedicated staff, our chefs to our professional chauffeur, gardener and handyman, we are all here to make your wishes a reality. Plus, you can indulge in award-winning cuisine created by our Head Chef. Tempting menus or bespoke meals, the choice is yours. To discuss your perfect retirement or book a Covid safe visit, please call Lucy Biggs today on 01451 832323 or visit us at newlandsofstow.co.uk
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EOPLE nearing retirement age have substantial capital tied up in property. Figures from Savills Research show that, in the over65 group, the number of owner-occupiers without mortgages is more than 5.6 million and their properties are worth an aggregate of £1,734 billion. It stands to reason, therefore, that downsizers are a key driver of the property market. Savills has found that, for country properties, the percentage of vendors moving to smaller homes hovers between 29% and 32% annually; in London, the corresponding figures are 11% and 15%. In particular, says the company’s residential research analyst, Frances Clacy, ‘we expect a key source of stock over the next few months to be downsizers, as they become increasingly comfortable with in-person viewings following the roll-out of the vaccine’. Moving to a smaller property makes sense from many viewpoints, not least that it can free up a considerable amount of equity and reduce the running costs linked to the upkeep of a larger house and garden. However, those looking to make the move need to budget for some other costs, from stamp duty and the various fees associated with buying a new property to service charges. The latter can be unfamiliar territory for those downsizing from houses. A service charge covers the communal services to a property. All flats have these and, at the most basic level, a service charge for a flat would include a management fee, communal electricity bills, upkeep of communal areas and buildings insurance. However, many older downsizers are attracted by age-restricted properties, which are purpose-built for their needs and normally offer a wide range of communal facilities, which obviously can carry higher charges. ‘The average service charge for a regular property would be about £1,800 per annum, whereas the service charges for retirement developments usually range between £2,500 and £8,000, depending on the facilities,’ says Ben Jesty, director of Winkworth Westbourne. ‘Our service charge typically covers the cost of providing a lodge manager, security systems and call monitoring, external maintenance of the building and grounds, building insurance, heating, lighting and provision of all of the furnishings for the communal lounge and other communal areas,’ explains Spencer J. McCarthy, chairman and CEO of Churchill Retirement Living. ‘The cost of these charges ranges from about £2,000 to £4,000 a year, depending on the location and whether you live in a one-
Set in landscaped gardens, Knights Lodge is a collection of 41 age-exclusive apartments close to the town centre of Lymington in Hampshire. Prices from £350,950. Churchill Retirement Living (01590 607278; www.churchillretirement.co.uk)
THE MATHS OF DOWNSIZING Owners moving from a house into a flat can look forward to freeing up a lot of equity, but need to budget for service charges, says Roderick Easdale
|or two-bedroom apartment. It compares favourably to what you would pay in any normal block of apartments (which would provide far less support and sense of community), as you get a lot in return.’ Although it may seem at first like an extra outgoing, a service charge normally bundles into a single lump the money that a downsizer is already used to paying. In one retirement block near Ascot in Berkshire, which has a porter, communal lounge and planted-out gardens, the owners of one-bedroom flats pay about £3,500 annually in service charges and those who own two-bedroom flats pay £5,000. All that the residents have to pay for beyond this is their television licence, own electricity bills and the cost of their telephone calls—even the telephone and broadband rental is included in this service charge. ‘When you break it down, paying these service charges can work out cheaper than
maintaining a detached house and garden,’ argues Mr McCarthy. ‘Also, knowing what your annual costs will be also makes it easier to budget.’ Beyond running costs, capital value is another important consideration. An agerestricted property means the pool of potential buyers is obviously smaller, advises Mr Jesty, and this can lengthen the time that these properties are on the market, especially as re-sales can face competition from new-builds. However, advises Knight Frank’s Leigh Glazebrook, everything hinges on quality: ‘For nine out of 10 buyers of these properties, it is all about the place, not the price, so substandard properties can be difficult to sell. This type of buyer rarely wants the hassle of doing up a place, however good value it may appear. They are looking for somewhere they can simply move straight into.’
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BEST IN SHOW From countryside retreats to city-centre hotspots, there is no shortage of choice for the over-55s looking for exceptional standards of living, says Holly Kirkwood
Stow-on-the-Wold, Gloucestershire £525,000 Well established for more than a decade already, Newlands of Stow is known for offering a country-club atmosphere, allowing residents to be as social or as private as they choose. The 10-acre estate has smart, chic apartments next to the charming communal hub, as well as a selection of Cotswold-stone cottages. Facilities include a residents’ lounge, a restaurant and a library and concierges can arrange everything you wish, from a private dinner at home to a day at the polo. Currently on the market is this three-bedroom cottage, which has pleasing proportions and a pretty back garden. Through Knight Frank (01451 600613; www.knightfrank.com) Mote Park, Kent £599,950 Originally built for the 1st Earl of Romney, the Grade II-listed Mote House forms the centrepiece for Mote Park, a community of 100 cottages and apartments set in 450 acres of charming Kentish countryside. Facilities include a restaurant, bistro bar, library, health and wellbeing centre, fitness suite and swimming pool. Now available for sale is the elegant Gardener’s Cottage, which has two bedrooms. Through Audley Villages (01622 297192; www.audleyvillages.co.uk) Edinburgh Marina, Edinburgh From £360,000 As part of the wider Edinburgh Marina development, Royal Wharf promises a glamorous waterside lifestyle within easy reach of everything the Scottish capital has to offer. The best of the 101 one- to three-bedroom designer apartments will boast envy-inducing views across the Firth of Forth. Planned on-site amenities include a 24-hour concierge, a business centre, private dining, an exercise studio, cinema, a library and even a dog-grooming salon. Through Knight Frank (0131–222 9620; www.knightfrank.com) Salisbury, Wiltshire £575,000–£765,000 Currently very popular with downsizers, this stylish new development on Milford Hill is only a short stroll from the centre of Salisbury. Howarth Park offers spacious, light-filled, two- or three-bedroom houses and apartments set around the landscaped grounds, which feature private terraces and flexible accommodation. The site also has estate managers on hand to make sure all residents’ needs are met. Through Savills (01962 834045; www.savills.com) 44
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The retirement housebuilder you can trust Churchill Retirement Living is independently owned by the McCarthy family so heritage, passion, pride and quality are embedded throughout the company. A new Churchill lifestyle will mean no more worries about the maintenance to your property, simply sit back, relax and someone will take care of it. With over 20 years’ experience built on family values, trust and integrity, why choose any other retirement housebuilder? RETIREMENT APARTMENTS FOR SALE Berks Newbury; Bristol Fishponds; Bucks Aylesbury, Burnham, Marlow, Princes Risborough; Cambs Huntingdon; Cornwall Newquay, Penzance, Truro; Cumbria Penrith; Derbyshire Ashbourne; Devon Sidmouth, Tavistock, Torquay; Dorset Highcliffe-on-Sea, Shaftesbury; Essex Billericay, Frinton-on-Sea; Glamorgan Cowbridge; Gloucs Cheltenham, Thornbury, Yate; Gtr London Eltham, Selsdon; Hants Andover, Hythe, Lymington, Park Gate, Portswood; Herts Berkhamsted, Hitchin; Kent Dartford, Deal, Maidstone, Sittingbourne, Tonbridge; Leicestershire Market Harborough; Middlesex Pinner; Oxfordshire Abingdon-on-Thames, Thame; Shropshire Ludlow; Somerset Wells; Suffolk Haverhill; Surrey Ashtead, Bagshot, Camberley, Carshalton, Cheam, Leatherhead, Reigate, Shepperton, Staines-upon-Thames, Walton-on-Thames; Sussex Chichester, Eastbourne, East Grinstead, East Wittering, Haywards Heath, Littlehampton, Peacehaven; West Midlands Aldridge, Knowle, Quinton, Shirley; Wilts Chippenham, Malmesbury, Salisbury. COMING SOON - Cumbria Kendal; Essex Witham; Hants Farnborough, Fleet; Kent Orpington, Paddock Wood, Rainham, Swanley, Tenterden; Northants Towcester; Oxfordshire Kidlington; Shropshire Bridgnorth; Somerset Taunton; Suffolk Bury St Edmunds; Surrey Great Tattenhams, Oxted; Wilts Calne. AWAITING PLANNING - Cheshire Handforth; Devon Barnstaple, Honiton, Totnes, Essex Saffron Walden; Gtr Manchester Timperley; Hants Basingstoke, Drayton, Fareham; Kent Broadstairs, Tonbridge; Norfolk Diss; Northants Brackley; Notts Beeston, Ruddington; Oxfordshire Bicester; Sussex Seaford; West Midlands King’s Heath, Kings Norton, Shirley.
FREEPHONE 0800 377 7927 churchillretirement.co.uk
L AT E R L I F E
RETIREMENT RENT
Chelsea, London From £13,750 per month For those who don’t want to sell up to downsize, Auriens Chelsea offers the best of the capital on a flexible, lease-based model. It’s designed as a modern Chelsea townhouse with a members’ club atmosphere and the one- and two bedroom apartments are reminiscent of top hotel suites, with the pool, spa and wellness suite, restaurant, cinema, bar, wine room and car service all run by world-class teams. First-rate healthcare is tailored to every resident, too. Through Auriens (020–3870 7970; www.auriens.com)
Melrose, Scottish Borders From £265,000 Westgrove is a boutique development of only 14 two-bedroom, lock-up-and-leave apartments, which have been designed for over-55s looking for a convenient, high-end base in the Scottish Borders. Surrounded by landscaped gardens and with a new spa and wellness centre next door, Westgrove is a short walk from both the buzzy town centre of Melrose and the bonny banks of the River Tweed. Through Crawfords Melrose (01896 822030; www.jscrawford.co.uk) Redland, Bristol £550,000–£1.2 million Buyers looking for convenience and character in the South-West could do worse than to take a look at one of the 64 one-, two- and three-bedroom apartments at The Vincent, in Bristol’s Redland district. The city itself has no shortage of attractions, but owners within this exceptional Victorian redevelopment project will be extra spoilt, with a gym, stretch studio, restaurant, cafe, elegant lounge and a beautiful arboretum garden right on their doorstep. Through Savills (0117–910 0360; www.savills.com) or The Lifestory Group (0117– 981 4352; www.lifestory.group) Nursling, Hampshire £510,000 Grove Place is a 27-acre estate on the edge of the New Forest, centred on an impressive 16th-century manor house. Amenities such as the billiards room, library and oakpanelled restaurant may be found in the main house, but the estate, which has 115 apartments and bungalows, also boasts a swimmingpool complex, a gym, a kitchen garden and a croquet lawn. Currently on the market is a spacious two-bedroom, ground-floor apartment. Through Lifecare Residences (023–8074 3592; www.lifecareresidences.co.uk/ residences/grove-place/) 46
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p m a t S ty Du !* Paid
SPRING INTO YOUR NEW HOME Rangeford Villages are exciting, dynamic and stimulating environments for those entering the next chapter of their lives. In today’s uncertain world, there really is no better time to make the move to a Rangeford Village, and we’re here to make it faster and easier than you might think.
Our spacious, light and airy apartments are built within beautifully landscaped gardens. Join in the community as much or as little as you like, with the comfort of knowing there is always someone available 24/7. Plus there is a host of catering options, wellbeing, care, support and activities all provided by the village team.
FALL IN LOVE WITH OUR VILLAGE LIFE SIDDINGTON PARK
WADSWICK GREEN
MICKLE HILL
Cirencester, Gloucestershire
Corsham, Wiltshire
Pickering, North Yorkshire
Prices from £299,950†
Prices from £219,950†
Prices from £165,950†
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*Terms and conditions apply: All offers and incentives may not be used simultaneously and are subject to legal completion by 27th August 2021. †Other charges apply in addition to the purchase price. Ask our sales advisors for details.
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Call: 0800 1357420 | www.rangefordvillages.co.uk info@rangeford.co.uk
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Raising the bar
on retirement living. Our recent customer experience and satisfaction survey results are testament to our unique approach – with 100% of residents ‘satisfied’ and a mighty
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Our staff got full marks too…
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Our ‘customer-first’ mindset and ability to adapt and personalise was also highly rated, as was the ‘community spirit’ fostered by people and place. The majority felt Birchgove was good value for money – especially with no service charges and no exit fees. And that overall, the positive impact on quality of life was seen as…
If you’ve h expectatio igh ns? You’ll love Birchgrove .
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DANNY HOUSE - Retire in Style -
Your own serviced apartment with companionship, security and culture.
Fully serviced apartments to rent for active retired people. From £2,500 to £4,200 per month with a refundable deposit of six months’ rent. Inclusive of all meals, heating, electricity, council tax and maintenance etc.
9000
Grade 1 Elizabethan mansion set in its own estate amid the glorious South Downs.
For a brochure and to view, please contact Richard Burrows at:
Danny House, New Way Lane, Hurstpierpoint, West Sussex, Bn6 9BB rburrows@dannyhouse.org.uk
01273 833 000 dannyhouse.org.uk