Spencer

The age pension is a crucial part of Australia’s retirement system. Introduced in 1909, the Lucky Country was one of the first in the world to implement such a pension. Its purpose is to raise the standard of living for retirees and guard against the possibility of outliving their savings.

When it first came out, the average life expectancy of Aussies was 57 years old. That figure now sits at 83 years old. With the current retirement age being 67, millions of Australians rely on it to help fund their golden years.

However, in recent times, there has been some unclear messaging from politicians, social commentators and the media about the future of the age pension. This has led to understandable concerns among the nation’s population that it could be reduced or even completely abolished, which could severely impact the quality of life for those who paid their taxes over the course of 40+ years of employment.

In this post, we will explore the current landscape with regard to the age pension and answer the question of whether it will be abolished. If you are currently retired or thinking about your upcoming retirement, you’ll no doubt be interested in what we have to say.

What is Aged Pension?

The Age Pension is a payment that the Australian government gives on a fortnightly basis. It is designed to assist older Australians in maintaining their basic living standards in the current economic climate, given they are no longer working full-time.

To be eligible for this payment, one must meet specific requirements such as age, asset threshold and residency. Presently, the pension rates are closely linked to the Australian wage and price increases to ensure that seniors are not left behind.

Typically, Age Pension payments are made through Services Australia. However, if you are an aged pensioner and you are also entitled to payments of compensation issued by the Department of Veterans Affairs (DVA), you can decide to receive the Age Pension entitlement in full from either Services Australia or DVA.

In addition to the age pension, there is also a disability support pension. This payment is set at the same level as the age pension. It is meant to provide financial assistance to those who can’t work due to a permanent intellectual, physical or psychiatric condition who are too young to qualify for the age pension.

How do I qualify for the aged pension?

In order to qualify for the Age Pension, the applicant must be:

• a resident of Australia (as defined as permanently living in Australia) and

• in Australia when the claim is officially lodged.

In addition, the application must also satisfy one of the following criteria:

• be a resident of Australia for a minimum of 10 years, with a minimum of 5 of them taking place in one block

• must qualify for residence exemption

• be widowed in Australia when both the woman and her deceased partner were living in Australia and have a minimum of 2 years (104 weeks) of residence in the country in the period prior to the claim

• be receiving Widow Allowance, Widow B Pension or Partner Allowance prior to reaching pension age.

Complimenting these criteria, special rules also apply to those residing in countries where Australia shares an International Social Security Agreement.

How much is the current age pension?

At present, the maximum amount you can receive as an age pension benefit depends on your personal circumstances.

If you are eligible to receive the age pension and single, you may be entitled to get up to $1,064 every fortnight, which is equivalent to $27,644 annually.

Congruently, those who are part of a couple, may receive up to $802 per person every fortnight, or $20,852 annually – which means between them, they can receive up to $41,704 each year. These rates were correct as of 20 March 2023, when they were last adjusted, and are inclusive of any applicable supplements.

That said, it is worth pointing out that not everyone who is eligible for the age pension will receive the maximum benefit as eligibility needs to be tested.

Eligibility

The amount of age pension benefit you are entitled to is ascertained by income and asset tests that are performed on you by the government.

This pension assets test is a way to ensure that people who have significant assets should use them (either directly or to generate income) to cover their living expenses before seeking support from the social security system.

An asset is any item or property that a person possesses, except for exempt assets. When a person’s pension rate is calculated based on the assets test, the value of their assets above this cap decreases the amount they receive in their pension by $3 per fortnight for each additional $1000 in assets.

Overall, the pension income test works to encourage people to find ways to complement their income

support payments with additional revenue sources. A pensioner can receive a certain amount of income before their pension begins to be reduced. This amount can include earnings, income from investments, or a combination of various sources and is referred to as the income-free area.

For every dollar of income above the income-free area, the single pension is reduced by 50 cents. For couples, their combined pensions go down by 50 cents. Subsequently, for pensioners who live as a couple, their individual pensions decrease by 25 cents per fortnight for every dollar of their income that is over the income-free area.

Currently, the asset threshold is as follows:

• Single homeowner – $301,750

• Single non-homeowner – $543,750

• Combined couple (homeowners) – $451,500

• Combined couple (non-homeowners) – $693,500

• Couple separated due to illness (homeowners) – $451,500

• Couple separated due to illness (non-homeowners) – $693,500

• Couple combined, one partner eligible (homeowners) – $451,500

• Couple combined, one partner eligible (homeowners) – $693,500

Concerns over the longevity of age pension

Over the last few years, some politicians and other influential figures have made ambiguous comments about the future of the age pension, suggesting that the government should decrease its dependence on it or change its current structure.

These statements may have caused confusion and overshadowed the fact that Australians can still rely on the age pension and plan their retirement accordingly.

Essentially, there are two reasons for optimism in terms of the age pension. They can be categorised as follows:

Sustainability

As previously mentioned, the age pension is a crucial component of the country’s income system for retirees. It serves as the primary source of income for individuals who were middle or low-income earners during their working years.

Recent reports have indicated that the cost of the age pension, as a proportion of the gross domestic product, will actually decrease in the future, therefore making it easier for the government to fund it.

This conclusion was reached by the respected body, Actuaries Australia, which should go a long way towards allaying fears that the pension would be abolished due to its cost as the life expectancy of the population of Australia continues to rise.

Abolishing the age pension would be political suicide

The belief that politicians might attempt to eliminate the pension in the future has been fuelled by sensationalist media. But in truth, such a move would be highly unpopular.

This is because a significant portion of the voting population comprises aged pensioners who may change their voting preference if their pension entitlements are altered.

Ultimately, any political party that proposes to cut the pension will likely face significant backlash from voters, making it a challenging proposition for them to sell to the general public as a whole.

Final Thought

At the end of the day, no one can really know for certain what will happen to the age pension, as there are future events and trends of thinking which can’t be predicted now.

That said, the way the land lies at the moment, it is highly unlikely that the age pension will be abolished any time soon. Therefore, if you are currently receiving it, you should have the peace of mind that you will continue to get it as long as you need.

For those who are currently under the retirement age of 67, you should also be able to look forward to your retirement with the comfort of age pension assistance assured. However, it wouldn’t hurt to save up a little bit more in your superannuation and rainy day fund, just in case.

Have you Googled ‘Best Retirement Villages Gold Coast’ recently? Well, if you have, then you’ll know there are plenty of excellent options available to those who want to spend their golden years in or around the ‘Glitter Strip’.

However, with so much choice available, it can be difficult to determine which community is best for your needs and interests. With that in mind, we’ve put together this list of 10 of the best retirement villages on the Gold Coast in Queensland.

Each of these places offers something unique and inviting. So, if you are serious about making a move into one of the villages in the city, you’ll find this list a good starting point for when drawing up a shortlist.

The Pavilion North Kirra

The Pavilion North Kirra is a retirement living complex that comprises beautifully appointed one, two, and three-bedroom apartments that provide stunning ocean views. It’s perfect for retirees who want to enjoy a laid-back, maintenance-free lifestyle around the Gold Coast’s southern end.

The village opened in October 2021 and is just a few metres away from North Kirra beach’s famous wide sands. It is also located close to public transport links, with a bus-stop right outside its main entrance. Nearby, there are several shops, restaurants, cafes, a hospital and a host of other medical facilities.

As well as being pet-friendly, the village offers a high standard of facilities to its residents. They include a cafe, rooftop garden, a pilates and yoga zone, a barbecue area, a wine room and retail space. Subsequently, it very much has a holiday feel about the place.

Address: 3 Lang Street Bilinga, QLD, 4225

Phone: 0468 611 613

Website: https://auraholdings.com.au/thepavilionnorthkirra/

Noyea Riverside Retirement Village

Nestled amidst picturesque parklands midway between Gold Coast and Brisbane, Noyea Riverside Retirement Village is a top-notch destination for peaceful retirement living.

The village offers independent living, strata-titled villas, which are tastefully refurbished. The residents own their properties outright, and the villas come in one, two, and three spacious bedrooms. Each villa comprises an airy open plan living space complete with a contemporary kitchen, modern bathroom, and a charming, private courtyard.

Residents get to enjoy an active social life and take part in various activities and events such as swimming in the resort-style pool, or playing lawn croquet or tennis. In addition, they can also enjoy a meal, drink or socialising in the Club House or barbecue area.

The village itself is situated in a prime location, next to the beautiful Mt Warren Park Golf Club. It is also within easy walking distance of shops, cafes, chemists and medical centres. In addition, the Beenleigh train station, is just minutes from the village, which enables resident’s quick access to other suburbs on the Gold Coast or even Brisbane.

Address: 5 Martens Street Mount Warren Park, QLD, 4207

Phone 1300 68 77 38

Website: https://retireaustralia.com.au/communities/noyea-riverside/

Baldwin Living Sequana

Over in Upper Coomera, Baldwin Living Sequana offers modern 2 and 3 bedroom villas to those over the age of 55 looking for independent living.

These stylish villas include a large dining and lounge area, open plan kitchens, a guest bathroom, covered outdoor space, internal laundries, decent storage and a single or double lockup garage. In addition, every unit has a 24-hour emergency call system which is monitored for their own peace of mind.

Residents can enjoy regular social activities, a heated indoor pool, excursions and entertainment. In-house home care services are also available for those who may require them.

Address: 2 Cater Street Upper Coomera, QLD, 4209

Phone: 07 5573 2424

Website: https://goldcoast.baldwinliving.com.au/

The Henley on Broadwater Lifestyle Resort

The Henley on Broadwater Lifestyle Resort is a luxurious retirement community whose mission is to help their residents live their best lives by offering them a fabulous resort-style experience.

Their beautifully appointed apartments provide stunning views of both the Gold Coast and Broadwater skyline. Designed to be accessible and comfortable, they feature contemporary kitchens, an airy open-plan living space and a private balcony.

The village prides itself on fostering a thriving community of like-minded seniors who bond over various amenities including a billiard room, heated swimming pool and tennis court, as well as on their clubhouse, sundeck and a movie theatre.

In addition, The Henley also offers a range of wellness and health-related services including massage facilities, an on-site gymnasium and hair salon. It also has beautiful gardens to walk around.

Address: 70 Marine Parade Southport, QLD, 4215

Phone: 07 55 912 111

Website: https://thehenley.com.au/

Stockland Halcyon Greens

Halcyon Greens has revolutionized the concept of over-50s living with its award-winning formula. It is a secure, gated community where downsizing doesn’t mean compromising on quality of life. Instead, it offers an opportunity to upsize your lifestyle, have fun, make new friends, and enjoy the freedom of lock n go.

Master planned by Brian Toyota, the Sanctuary Cove architect, Halcyon Greens is Australia’s first golf and residential community for over-50s. The 34-hectare community is nestled amidst an 18-hole golf course, natural wetlands and a wildlife sanctuary, and includes 15 acres of private open space with walking trails.

At the heart of Halcyon Greens lies the central spine of the community, which boasts lush parklands and a range of 5-Star recreational facilities. The exclusive Recreation Club and Lodge is a place where homeowners can come together to celebrate, play, relax, or socialize for special events, hobbies and interests.

Halcyon Greens is situated close to the gateway between Brisbane and the Gold Coast at Gainsborough Greens, providing easy access to essential services. The M1 and the Gold Coast to Brisbane train line are all within easy reach, while it is close to a medical centre and the Pimpama Junction Shopping Centre too.

Pimpama is located in one of Australia’s most desirable regions, the northern Gold Coast corridor. The suburb has emerged as a desirable lifestyle destination with its mix of leisure and lifestyle amenities, recreational open spaces, and waterways.

Address: Gainsborough Drive Pimpama, QLD, 4209

Phone: 1800 050 050

Website: https://www.stockland.com.au/halcyon-communities

The Verge at Burleigh G.C.

Located near the Burleigh Golf Course and some of the best beaches on the gold Coast, The Verge at Burleigh is one of the nicest and newest retirement villages on the market.

It promises a fulfilling lifestyle for independent and vibrant retirees. You can be part of a community where you can discover new interests, rediscover your passions, and make new memories with like-minded neighbours.

At The Verge, independent living is a top priority, even when you need assistance. We offer a range of care services and care professionals that give you the freedom to live life on your terms. You can experience the care and support you need, whether life is going as planned or full of the unexpected.

The Verge is a new retirement community developed by the team at RetireAustralia. Construction is well-advanced, and the first residents are expected to move in early 2021. Stylish one plus study, two, and three-bedroom apartments are available for purchase from $530,000.

Residents at the Golf Club can enjoy a laid-back and related coastal lifestyle, as well as access to one of the region’s best golf clubs. The Verge overlooks the club’s realigned 10th tee and features 145 contemporary independent living apartments and 32 state-of-the-art care apartments for those requiring a higher level of support.

Address: 61 Hillcrest Parade Miami, QLD, 4220

Phone: 1800 955 070

Website: https://retireaustralia.com.au/communities/the-verge-at-burleigh/

Seachange Emerald Lakes

Seachange Emerald Lakes is a top-notch resort-style community which is situated in the heart of Carrara, a highly sought-after suburb of the Gold Coast. It is run by Seachange Lifestyle Resorts Australia and is designed for seniors who want the best of luxury retirement living.

Their outstanding facilities include an exclusive residents’ clubhouse that accommodates a range of state-of-the-art amenities such as swimming pools, fitness centres, walking tracks, parks, a gym and lawn bowls. Essentially, the community has everything you need to stay vibrant, engaged and active.

The community features resort-style homes in a gated community that offer spacious and elegant living with exceptional fittings and finishes. They incorporate a range of layouts and floor plans, most of which showcase superb golf course or lake views.

It is also close to a host of shopping, dining and entertainment venues, as well as plenty of local landmarks and decent transport links.

Address: 1 The Inlet Drive Carrara, QLD, 4211

Phone: 1800 559 669

Website: https://www.seachangelifestyleresorts.com.au/locations/emerald-lakes/

Living Choice Parkwood

Living Choice Parkwood is the company’s first Gold Coast based retirement community. Situated within the grounds of ‘The Club at Parkwood Village’ precinct, it offers a stunning view of the greens and fairways of the 18-hole golf course, as well as the lake.

Overall, it features 200 beautifully designed apartments that range from one to four bedrooms which cater to the needs of all residents. That means, if you are looking for a contemporary one-bedroom apartment or a deluxe penthouse there will be something there for you.

All apartments come with quality fittings like timber-like floors, premium European appliances and modern reverse cycle air-conditioning. They also have additional soundproofing and keyless entry to make them safe and secure.

The golf club is surrounded by stunningly manicured gardens and comprises a popular sports bar and café and five cutting edge Topgolf Swing Suites. It also offers multiple dining spaces, function rooms, a gaming lounge, a children’s arcade and a mini golf course, as well as the signature 18-hole golf course.

Address: 76-122 Napper Road Parkwood, QLD, 4214

Phone: 1300 421 414

Website: https://www.livingchoice.com.au/gold-coast/parkwood-retirement-village/

Levande Pine Lake Village

Whether it’s strolling through the gardens, fishing by the lake, or catch-ups at the community centre, life at Pine Lake is all about relaxing in resort-style surrounds.

You’ll always find something to do at the village – even if it’s just taking in views of the beautiful 40-acre lake on your doorstep. For those who like to keep active, there are exercise classes held on a regular basis and a lovely swimming pool you can take a dip in.

A fantastic thing about Pine Lake is that it is a short stroll to The Pines Shopping Centre, as well as a range of restaurants, cafés and medical services.

11 Araucaria Way Elanora, QLD, 4221

0401 417 480

Website: https://www.levande.com.au/community/pine-lake/

De Paul Manor Estate

De Paul Manor Estate is a retirement community designed specifically for those over 65. It’s situated in a central location in Southport amidst landscaped grounds and natural bushland, just a few minutes away from the beautiful Gold Coast beaches.

This award-winning estate offers a maintenance-free lifestyle with a distinct sense of quality throughout. Residents can enjoy a range of resort-style amenities and activities, including an exclusive Residents’ Retreat, a community of like-minded individuals, and a caring on-site management team committed to providing the best possible service. Additionally, De Paul Manor Estate offers a hot lunch and dessert during weekdays (excluding public holidays and weekends) for an incredible price of $10. These meals are freshly prepared each day at the team at the De Paul Villa Kitchen which is just next door.

The independent living apartments at De Paul Manor Estate are designed for low maintenance and a private balcony, feature high ceilings, and terrific fixtures and fittings such as stone benchtops, split system air-conditioning, a 24-hour emergency alert service, glass splashbacks and stylish carpeting.

Address: 1 Edmund Rice Drive Ashmore, QLD, 4214

Phone: 1800 692 273

Website: https://www.depaulmanorestate.com.au/

If you are over the age of 55, moving into a retirement village can be a smart decision. Overall, there are plenty of factors that work together – from low maintenance and lots of facilities and amenities to good locations and a real feeling of community – that can make your golden years the best they can be.

However, embarking on a new style of living always takes a bit of adjustment and it usually comes with a range of payments and new fees that you might not have faced before. For this reason, it can be quite confusing, especially when the fees may differ depending on what contract you are entering into.

To give you a greater understanding of what is involved, we have outlined most of the costs that are typically associated with moving and living within a retirement village. Once you get a handle on these, it should make the process of moving into one a lot smoother and more manageable.

Tenure and Contract Types

The range of fees you have to pay for is largely dependent on what type of contract you enter into with the retirement village.

Below are a trio of the more typical tenure and contract types that Aussie retirement villages operate through.

Freehold

Overall, freehold contracts tend to be the least common form of all contract types offered by retirement villages.

Should the community you want to move into offer them, you will end up owning your villa, unit or apartment completely – in the same way as if you were purchasing a home independently in a residential area. This would also require you to pay stamp duty.

Leasehold

Leaseholds are a far more common type of contract in retirement villages. Through them, the operator retains ownership of the properties and the residents sign on to long-term leases.

Sometimes these leases can last for up to 99 years, though they could also be for shorter term periods. However, if your lease is for 50 years or over, you will be regarded as a registered interest holder. If it is for less than that timeframe, you are considered a non-registered interest holder.

Generally speaking, these contracts are what is known as ‘assignable’. This means that should they decide to leave, residents are able to sell what is left on their lease to a new person.

Occupier Licence or Loan

These contract types are the most popular in the Australian retirement village sector. They require seniors to pay a fee to live in the community, however it does not provide them with ownership of the property in which they will be residing.

Essentially, the ongoing cost is an interest-free loan which one makes to the operator for the right to live within the community.

Prior to Moving In

Similar to all other transactions relating to property, the overall cost of moving into a retirement community can quickly mount up. Therefore, to help you budget, it is important for you to be aware of what they might be to avoid being caught short.

Waiting List

Quite a few retirement villages operate with waiting lists and it might surprise you to discover that some operators charge you for the privilege of being on them.

Prior to paying for this, it is important to establish what that waiting list fee is and the average length of time that people remain on the list prior to being offered somewhere to move into.

In addition, you should check to see what their refund policy is like, should you find elsewhere, change your mind or are not offered somewhere after a specific length of time.

Deposits

Prior to moving in, many retirement communities will ask for you to pay a deposit – in the same way as you would have to put one down when buying a property.

Before doing this, it is worth ascertaining how long the deposit is held for and if there is a ‘cooling off’ period that will enable you to be refunded it should you change your mind within a certain time period.

Moreover, if you are entitled to receive a refund, double check if they are subject to admin fees.

Moving In

Anytime you move home there will be costs involved and when it comes to retirement villages it is no different. For this reason, you should be aware of the following costs.

Entry Related Costs

The type of contract you choose will have an impact on the fees you pay when entering a retirement village. The fee structure will differ depending on whether you entered into a license or loan to

occupy agreement.

In such a case, the fees may take the form of a refundable deposit, an interest-free loan or an ingoing contribution. These costs are generally paid in advance, though most will be refunded to you on leaving the community. That said, some retirement villages may give you the choice to negotiate a lower amount for your ingoing contribution, so long as you give the operator a larger amount on your departure.

For those with a leasehold contract, entry payments typically are influenced by market conditions. Meanwhile, for freehold contracts, residents will pay a buying price that assumes the property’s legal title. This price is usually settled upon after negotiations with the seller.

Stamp Duty

You will need to pay Stamp Duty on your villa, unit or apartment if your contract is a freehold. Additionally, if it is a leasehold you will probably also have to pay it depending on the length of the lease and which state you reside in.

Should your contract take the form of a licence to occupy or loan, then you will likely not have to pay stamp duty.

Moving Costs

When moving into the retirement village you will also have to factor in additional costs, such as those that might require the professional service of a removalist or cleaner.

Ongoing Costs

As is the case with any home, retirement communities tend to have ongoing costs that you will need to manage. So, it would be worth budgeting for them to ascertain how much you will have to pay for them.

Body Corporate

Those with leasehold or freehold contracts might be required to fork out for body corporate fees. That said, many retirement communities that operate with these types of contract might absorb them into an overall maintenance fee.

Metered Services and Utility Bills

Irrespective of the contract type you enter into, when you move into the retirement village, you will normally be responsible for paying your own utility bills. Generally speaking, this includes gas, water, electricity, phone and insurance.

Maintenance or Management Fees

Pretty much all retirement communities will impose ongoing management or maintenance fees, which you would be required to pay on either a monthly, fortnightly or weekly basis.

Typically, these fees cover the overall cost of running the village, incorporating standard and staff services, general tidying and maintenance of common areas, and the utility bills for common areas. Generally, the greater the range of standard facilities and services the retirement village offers, the more expensive the fees are likely to be.

While these fees might be listed in your contract, be mindful that they can increase at any time. This could be down to various reasons including increases in CPI and staff salaries, or an increase in charges and taxes.

As these are ongoing costs, it’s essential to check your contract to see how many of these fees must be paid and for what length of time. This is especially important if you are no longer willing or able to reside at the retirement community, but a new resident is not able to be found to replace you or your accommodation can’t be sold.

Additional Services

If you have decided to take advantage of any additional services that are available at your retirement village, it is important to take into account the associated costs. These services may include laundry, cleaning, meals, as well as personal care for assistance with dressing and bathing.

Even if you do not plan to use these services initially, it is advisable to consider whether you may require this additional help as you age. By doing so, you can factor these costs into your budget now and avoid any unexpected expenses in the future.

Special Levies

From time to time, some retirement communities may require you to pay additional costs above and beyond the standard fees. Typically this will cover unforeseen expenses like major upgrades and repairs and installing new services.

Leaving and Moving Out

When moving out of a retirement community you will probably have to pay some fees. (However, you might also receive some money back as well).

These are some of the main charges and fees you might need to account for when moving out of a retirement village.

Ongoing Charges

Due to the retirement village’s shared maintenance costs, you may need to continue paying until someone occupies your unit or apartment.

Deferred Management or Exit Fees

When you decide to leave a retirement village, you may have to pay exit fees, which are also known as departure fees or deferred management fees.

These fees are usually charged by the operator of the village and can be quite substantial. They are usually deducted from the sale of the unit or taken out of the refund of your ingoing fees.

Refurbishment and Repairs Fees

Retirement villages may require residents who are moving out to pay for any refurbishments or repairs that are necessary to ensure that the next occupant has the best possible experience.

This type of work is also known as ‘reinstatement work’. It may include upgrades such as new carpeting or fresh paint, and in the case of freeholds, it can increase the sale price of the property.

Should there be a disagreement about the extent and cost of the work required, the dispute may be taken to the administrative tribunal in your state.

Selling Costs and Capital Gains

If you own your retirement unit on a freehold contract, you will need to sell it when the time comes. This process may involve various costs, such as advertising fees and agent’s commission, just like selling any other property.

Should your contract specify that you are entitled to all capital gains made on the unit, you will most likely be responsible for all the selling costs. However, if the operator of the retirement community is entitled to some of the capital gains, they will generally share some of the costs associated with selling.

In this case, the operator may require you to use their preferred real estate agent, or you may be responsible for all the fees.

Fees Paid To You

Upon leaving the retirement village, you may well receive the sale price of your unit or a refund of your ingoing costs, minus any applicable fees.

Government Assistance

If you are renting a retirement village and need financial assistance, you may be eligible for Rent Assistance from the Australian Government. If you qualify, you can receive help to pay the fees to the retirement village of up to $138 every fortnight.

To be considered a renter, your retirement village contract must be a Loan or Licence to occupy. In addition, the resident’s ingoing contributions should be less than the present Extra Allowable Amount. (As of July 1st 2018 this was $207,000). Congruently, you should also be receiving the Age Pension to be eligible for Rent Assist.

Depending on your circumstances, you may also be eligible for additional support such as disability support or a carers’ allowance.

Are you hoping to spend your retirement years in a community on the Central Coast? Well, you have come to the right place.

Set against the backdrop of the Pacific Ocean, just to the north of Sydney, there are plenty of retirement villages and communities dotted around the Central Coast and Hawkesbury region. Suitable for all types of need, they range from options for those wanting independent living arrangements to others wanting to be in aged-care or assistant-living facilities.

Regardless of what you are after, if you would like to spend your golden years on the Central Coast, here are nine places you should consider.

RSL LifeCare Toukley Long Khanh Lakefront Village

Long Khanh Lakefront Retirement Village is an exclusive community for retirees located on the stunning shores of Tuggerah Lake. Their pet-friendly village boasts contemporary amenities and sizeable studio apartments and two-bedroom villas that facilitate comfortable living. There, you can stay active, socialise and relax among the spectacular natural surroundings.

Overall, the retirement village is made up of 100 modern properties, including 28 studio apartments and 72 two-bedroom villas. The studio apartments are airy and bright, featuring bathrooms that have been newly renovated, a private veranda and ample storage. Their two-bedroom villas offer lots of space for you to entertain while congruently providing a homely and comfortable ambience for you to live. They are equipped with spacious bathrooms, well-designed kitchens, separate laundry rooms and built-in wardrobes. They also come with either a private courtyard or a balcony.

Situated just a few minutes’ drive from the cafes and shops at Toukley, the village is also not far from two exceptional golf courses and the beautiful Norah Head. The retirement village also offers convenient access to the beachfront and lush bushland for those who want to enjoy BBQs, fish, boating or leisurely walks.

As well as its scenic location, Long Khanh Retirement Village offers residents plenty of services, facilities and activities including a swimming pool and bus trips that will take you to local attractions and the shops.

Moreover, should you need additional care, they also offer Home Care services and Residential Aged Care homes. In addition, their dedicated team provides an excellent standard of personalised support, which ranges from 24/7 medical monitoring to regular housekeeping.

1 Village Way Canton Beach, NSW, 2263

Phone: (02) 4396 4288

Website: https://rsllifecare.org.au/location/retirement-villages/toukley-long-khanh-lakefront-village/

Bateau Bay

Do you like the idea of strolling along a beach that is just 10 minutes from where you live? Or playing

at the Bowls Club situated right next door? How about enjoying a round of golf at the local club nearby? Well, you can do all of these things if you choose to stay at Bateau Bay.

The village offers one- and two-bedroom, self-contained units that are newly renovated, providing you with the best in modern comfort. Staying here enables you to immerse yourself in a congenial community ambience while taking advantage of an excellent range of amenities including a chapel and community centre.

Bateau Bay also has a fabulous outdoor BBQ area that is perfect for hosting gatherings with friends and family. Additionally, residents can enjoy easy access to local shops and services thanks to very good public transportation.

One of the best things about living in this community is that it offers a hassle-free lifestyle. For example, gardening and maintenance are all taken care of, while residents can also choose from a range of in-home services to make their lives even easier.

7 Bias Avenue Bateau Bay, NSW, 2261

Phone: 1800 841 058

Website: https://www.sccliving.org.au/our-services/retirement-communities/find-a-community/reynolds-court

Levande Wamberal Gardens

Located in the beautiful suburb of Wamberal, Levande Wamberal Gardens is a charming lifestyle community to spend your golden years at. Their community is designed to provide seniors with a welcoming and warm environment that will enable them to enjoy life to the fullest.

Their apartments are fully furnished and offer spacious floor plans that meet the needs of their residents. They also provide a suite of top-notch amenities, including a gym, indoor heated swimming pool, a communal lounge area and a fabulous courtyard with landscaping where residents can relax and socialise.

At Levande Wamberal Gardens, they aim to make life as convenient and easy for their residents as possible. They offer a range of lifestyle activities and programs to the community, such as group outings, daily exercise classes and various cultural events. They also have a dedicated team of staff members who are committed to providing exceptional care and service to their residents.

Levande Wamberal Gardens is conveniently located close to a good range of local amenities, including medical facilities, shopping centres, cafes, restaurants and public transport. This makes it easy for their residents to stay connected with the wider Wamberal community.

1 Spencer Street Wamberal, NSW, 2260

Phone: 0429 819 486

Website: https://www.levande.com.au/community/wamberal-gardens/

Evergreen Life Care

Surrounded by stunning natural waterways, the delightful Yallambee Village is spread around 13

acres of beautifully landscaped grounds. It offers residents an independent and relaxed lifestyle, within peaceful surroundings in the heart of the Central Coast.

The village offers affordable purpose-built one and two-bedroom apartments designed for independent living in different configurations. Each one offers a fabulous view of the property.

The apartments are equipped with an emergency response system and are monitored 24 hours a day, giving both residents and their families peace of mind. The village also offers individual support services to meet residents’ personal needs. Additionally, the living areas are spacious, bright and modern, while the bathrooms and kitchen appliances are designed specifically with resident’s comfort in mind.

The community centre is the hub for all social activities. It is connected to the rest of the village via level pathways that wind throughout the gardens, making it easy to get around.

However, for those needing to get out and about, the transport concierge service and village buses can take you to medical centres, major shopping centres, social clubs, sports facilities and hospitals. Several restaurants and cafes are also just a short stroll away.

Yallambee Avenue Gosford, NSW, 2250

Phone: (02) 4349 2300

Website: https://evergreenlifecare.org.au/

Uniting Hawkesbury Richmond Independent Living

The Uniting Hawkesbury Richmond Independent Living community is an amazing place to live. Operated by Uniting Independent Living, it is located in the charming suburb of Richmond and offers independent living apartments that are designed to provide residents with a serene, comfortable, and independent lifestyle.

Each apartment is fully equipped with ample living spaces, modern appliances, and a private balcony that allows residents to take in marvellous views. In addition, they understand that safety is a top priority, so their apartments are designed to accommodate wheelchair access for those who require it.

Overall, their community provides a range of amenities that we are sure you will love. They have weekly housekeeping, a 24-hour emergency call service, a barbecue area, and a village bus for social outings.

25 Chapel Street Richmond, NSW, 2753

Phone: 1800 864 846

Website: https://www.uniting.org/services/retirement-and-independent-living/facility/uniting-hawkesbury-richmond

Adelene Village

Experience the serenity of independent living at Adelene Village. Their friendly team provides comprehensive support to residents, ensuring they can relax and enjoy their freedom with

confidence and have more time to engage in the activities they enjoy doing.

Adelene Village is a boutique community comprising 92 two-bedroom villas and 14 one-bedroom apartments. Their homes feature generously sized open-plan living and dining areas, large windows that allow for plenty of natural light, and quality fittings and fixtures that provide modern conveniences. Each villa is equipped with an emergency call system and onsite evening security to ensure your peace of mind. Their premium villas come with spacious outdoor entertaining areas and garages.

The Village is situated in a tranquil location, yet conveniently located in proximity to health and medical services, clubs, shops and public transport. Moreover, Wyoming Shopping Centre is just a four-minute drive away, while the retail centres of Erina and Gosford are only a ten-minute drive away.

1 Birch Road Wyoming, NSW, 2250

Phone: 02 4325 3693

Website: https://alinoliving.com.au/retirement-living/

Windsor Country Village

Windsor Country Village is situated in the Hawkesbury region, which is a historic area located on the northwestern outskirts of Sydney. It takes about 50 minutes to reach the CBD from here.

The Hawkesbury is abundant in national parklands, scenic environments and heritage. Agriculture, market gardening, turf farms and preserving historical wonders are of great importance to the residents of Hawkesbury. Windsor, which is only 4 km away from The Village, is a historically significant town with a picturesque mall, shops, clubs, churches, and the new Hawkesbury Hospital. The community’s Village Bus makes regular trips to Windsor, Richmond and other nearby areas. Conveniently, there is also a public bus stop at the doorstep and the railway station is within a short walking distance.

You can choose to lead a busy life at the Village, as there are plenty of activities to participate in, such as Tai Chi, afternoon teas, craft activities, Friday night drinks and fellowship. They also organise special events and regular outings, while important services are easily accessible by using the Village Bus. In addition, they also have regular visits from medical professionals, pharmacies and hairdressers.

7 Bandon Road Vineyard, NSW, 2765

Phone: 02 9627 5720

Website: https://wcv.com.au/

Levande The Cove at Daleys Point

Located in the peaceful suburb of Daleys Point, Levande The Cove is a luxurious retreat that offers a serene lifestyle. Operated by Levande, a renowned name in the retirement industry, this exclusive residence is an ideal choice for those seeking a vibrant and tranquil community.

Levande The Cove is a stunning waterfront property that truly embodies the essence of luxury living.

The beautifully and thoughtfully designed accommodation showcases picturesque views of Brisbane Water, that provide a soul-lifting backdrop for each moment of your day. Each of the units is decked out with contemporary amenities that will ensure you live comfortably and with all the convenience you require. They are also spacious and decorated in a very tasteful way to provide you with a perfect environment for enjoyment and relaxation.

Residents of Levande The Cove can enjoy a range of world-class facilities, including a tennis court, swimming pool and gym, ensuring that every day is filled with endless possibilities for leisure and recreation. The surrounding area is home to a multitude of restaurants, cafes and speciality shops, each offering its own unique culture and charm.

Overall, the village epitomises the concept of luxurious and serene living. With its exceptional facilities, breathtaking waterfront location, and unparalleled attention to detail, this is a place that harmonises comfort, wellness and convenience in one beautiful package.

36 Empire Bay Drive Daleys Point, NSW, 2257

Phone: 0429 819 486

Website:https://www.levande.com.au/community/the-cove-at-daleys-point/

Living Choice Deepwater Court

Living Choice Deepwater Court is a small and friendly village in Woy Woy. The village offers excellent community facilities and is conveniently located within walking distance of Brisbane Water and Woy Woy shopping centre. It’s just a few minutes away from the train station where you can catch a train to Newcastle or Sydney. The village also has its own bus for group outings and transport.

In terms of accommodation, Deepwater Court offers a variety of single-storey villas with garages attached, that come in one, two or three-bedroom options. The homes are bright, spacious and airy, while the gardens are landscaped beautifully. The village is also located on a flat site for easy access for residents, while 24-hour emergency response and Living Choice Home Care services are available.

25 Park Road Woy Woy, NSW, 2256

Phone: 1800 064 344

Website: https://www.livingchoice.com.au/retirement-villages-central-coast/deepwater-court/

Living independently in our own homes for as long as possible is a goal that most of us aspire to achieve.

But if you find yourself needing a little extra help with nursing or personal care or for things like shopping and garden work, a home care provider may be exactly what you need.

For many seniors, having some form of care provided in their home is a god send and the government provides generous Home Care Package subsidies to help you set it up.

However, with so many providers out there the process can seem a bit daunting when you are first starting out. So to provide you with some assistance, we have put together this handy little guide of how to choose the right home care provider.

Follow these steps and you should be able to find a provider that offers you a high standard of service and really takes the time to understand and meet your particular needs.

1. Start by Getting Assessed

Before you start comparing different Home Care Package providers, you need to get an assessment of your financial situation and care needs. To begin the process, you must register with My Aged Care, which is a government service providing access to the aged care system in Australia, including in-home support.

You can call My Aged Care on 1800 200 422 or apply for an assessment online. Alternatively, a family member or friend can complete the application on your behalf. Once you apply, My Aged Care will arrange for a health professional to meet with you to discuss your medical history, current health and lifestyle to determine what type of home care services you may require.

You will also need to complete an income assessment to let the government know how much, if anything, you can afford to contribute towards the costs of your care.

2. Understand Your Home Care Package

After completing your Aged Care Assessment, you will receive a letter that will inform you if you are eligible for a care package from My Aged Care Home. This is an entitlement of government-funded care and services that is designed to provide support to help you continue living independently at your own home for as long as you can.

Overall, there are four different levels of Home Care Packages available. The level you are approved for will depend on the level of care you require, for example low, medium or high level. Before you start to contact Home Care Package providers, it is important to understand the kind of care you will receive, the value of your package, and how many care hours you can expect to be granted.

3. List Your Care Needs

When searching for a new service, it’s important to consider what you are looking for. This may include the language, gender, experience, culture, and consistency of staff, as well as the availability of day, evening and weekend services, and the suite of services provided, for instance, occupational therapy, physiotherapy or gardening.

It is important to note that different providers may potentially offer services that are more affordable and flexible than others. For instance, you may require meal preparation, nursing or personal care, occupational therapy or specialised assistance for conditions like dementia.

In addition to your physical health, you may also require social, spiritual or cultural support. Therefore, if you are clear about your care needs, you will be better able to understand how different Home Care Package providers may be able to support you and meet your specific needs.

4. Shortlist Home Care Package Providers in Your Locality

The best way to establish which Home Care Packages accept government subsidies is to visit the My Aged Care website and use the ‘Find a Provider’ tool.

After submitting your search enquiry, the results will generate a list of Home Care Package providers that may be suitable for your particular needs. You will then be able to find out more about them, including their specific locations and compare their features and benefits using the comparison tool.

The feature will also provide cost breakdowns, contact information and a list of their services.

5. Compare Home Care Package Costs

When choosing a provider of Home Care Packages you should be mindful of the different fees you can accrue. While most of these fees will be taken straight out of your entitlement, others you might have to pay for yourself.

Overall, there are three different types of fees you might be required to fund yourself. These are an income test care fee, a basic daily fee and additional fees. Both the basic daily and income tested care fees are set by the government, with the former currently being a maximum of $11.26 per day. However, not all providers extend this fee to you.

The income tested care fee may require you to make additional contributions based on their particular financial situation. That said, if you are a full pensioner, you are not required to pay this fee.

The additional fees are any other figure you might be charged for extra services and care that are not covered already by your Home Care Package.

Some of the fees you may need to pay via your Home Care Package are establishment and exit fees, care and package management fees and services fees. Some, but not all, providers might hit you with a one-off cost when you begin or leave Home Care Package service.

In terms of the package management and care management fees, you’ll find that most providers do extend these costs to you. So, it is worth you comparing how much they will cost you. Broadly speaking, package management covers the admin side of things including activities like compliance, quality assurance and preparing monthly statements. By contrast, care management relates to the co-ordination of the care you need, which incorporates the creation and regular review of your care plans.

Typically, service fees vary depending on who you choose as a provider and when they will deliver the services to you. However, you will be able to quickly and easily compare the costs of services like nursing, cleaning, personal care and gardening, via the comparison tool found on the My Aged Care website. Generally these show up as an hourly rate.

6. Check Experience

Over the last few years several new players have entered the Home Care Providers market, making it extremely competitive.

Subsequently, you should take the time to properly review any organisation you are shorlisting. Make sure you evaluate their staff’s experience, customer reviews and testimonials and for how long within the aged care sector they have been operation.

7. Interview Home Care Providers

When you have developed a clear appreciation of what services you require, you can begin to talk to providers of Home Care Packages to ascertain if they will be able to give you the help you need.

When doing this, it is important to ask the following questions of them:

• How do their home care services align with your needs?

• Do they employ their own staff or use an agency?

• How do they ensure you will get consistent care workers?

• How often do the coordinators of care speak with or visit clients?

• What is the required level of training for their care coordinators and their care staff?

• How regularly are care plans evaluated and reviewed?

8. Ensure They Accept Your Government Funding

Should you be looking for providers of home care that operate outside My Aged Care, you should be mindful that not all of them accept subsidies from the government.

In such circumstances, you might need to use personal funds to pay for their costs and services.

9. Check The Provider Meets Care Quality Standards

It is mandatory for all providers of Home Care Packages to meet a set of eight standards which have been established by the Aged Care Quality and Safety Commission.

Make a point of seeing the results of their quality evaluations, by using the My Aged Care search and comparison tool. You would also be well advised to talk to a provider to establish how they ensure compliance across their entire delivery of care.

10. Establish Costs and Timeline of Your Care

After you have identified a shortlist of providers of Home Care Packages that align with your preferences and needs, it is important to talk to them to establish a timeline and the actual costs you will incur.

Keep in mind that some providers may have a waiting period that you need to take into account. Additionally, they might also waive certain fees, which can result in you receiving significant savings.

It might take a bit of time, but by doing due diligence to sort out all the details, you should confidently be able to choose the right provider for your needs.

The Northern Beaches of Sydney is a beautiful region to spend your golden years. Incorporating no less than 14 incredible beaches, including Avalon, Palm Beach, Narrabeen and Manly, this is a place to enjoy a laid-back lifestyle of the sun, sand and sea.

It is no wonder then that so many people choose to retire in the area and with over 30 retirement communities and villages dotted around it there is plenty of choice.

If you are interested in moving into one of them, here are eight you should consider.

Dee Why Gardens

Dee Why Gardens is a peaceful oasis which spans several acres of beautifully maintained grounds within a friendly, safe and supportive community. The village is situated in the stunning Northern Beaches location of Dee Why and offers a lifestyle of contentment, security and comfort in a location that is convenient for exploring the local area.

Residents can choose between one-, two- or three- bedroom units designed for independent living. Each of which features top-notch finishes and stunning layouts. Alternatively, their Serviced Apartments offer a terrific balance of support and independence for those who need a bit of extra assistance.

Known for being a very welcoming community, Dee Why Gardens is a place that actively promotes security, peace of mind and well-being. It is also built on the foundations of respect and care.

The great thing about living here is that once you move in, you will not have to concern yourself with daily chores. That is because everything from maintaining the garden and buying and preparing food has been taken care of. Therefore, this provides you with more time to spend on hobbies and interests that make you happy.

Overall, Dee Why Gardens is a place that is supportive, resident-focused and socially engaging. They also offer residents a wide selection of services and amenities to stimulate them mentally and physically. This includes everything from a heated, indoor swimming pool, croquet lawn and indoor bowls to a library, business centre and on-site hairdressing salon. There is also an arts and crafts room, a village bus and a community centre where you can socialise with family, friends and other residents.

155 Fisher Road North Dee Why, NSW, 2099

Phone: 1800 550 550

Website: https://keyton.com.au/home/our-villages/nsw/dee-why-gardens

Minkara Resort Retirement Village

Residing on 30 beautifully maintained acres, the Minkara Resort retirement village spoils residents with incredible views of the shimmering ocean. Situated close to the Bayview Golf Club, Mona Vale Beach, Gibson Marina, Mona Vale Hospital and several local shops, the community is surrounded by delightful bushland that gives it a very homely feel.

At Minkara Resort, you can enjoy easy living and peace of mind, with a mix of villas, units and apartments available, some with services.

Residents can watch or participate in a range of social activities, including bingo, walking groups, bridge and happy hours. For those wanting to visit the wider community, the Warriewood shopping centre or Ku-ring-gai Chase National Park are within a 15-minute drive.

10 Minkara Road Bayview, NSW, 2104

Phone: 02 9133 7828

Website: https://www.aveo.com.au/retirement-villages/nsw/sydney/minkara-resort/

Anglicare – Warriewood Brook Village

Warriewood Brook is a secure, safe and friendly village that offers a maintenance-free and carefree lifestyle with stylish accommodation (designed by an architect) that is kitted out with contemporary conveniences. Their properties include roomy one, two, and three-bedroom apartments and two and three-bedroom duplex villas that are freestanding.

Each property features a courtyard or a private balcony. They also have kitchens with stone benchtops, European appliances and dishwashers with pull-out drawers. In addition, they also have an emergency response system that can be activated any time of the night and day by pressing a button. The villas also have garages that provide internal access and apartments with easy access via a lift to undercover parking.

To complement its beautiful surroundings, Warriewood offers a suite of activities to keep you entertained. Village residents can enjoy socialising over happy hour, coffee or a bbq, which they can partake in at the Lakeside Pavilion. In addition, there is also a gym, swimming pool, cafe and various health facilities and services you can use.

For those wanting to explore further afield, you can easily visit the beaches, wetlands and bush areas through one of their walking groups. There are also some excellent local golf courses you can play at, particularly at Pittwater or enjoy a meal, drink or movie at the nearby eateries, bars and cinema.

6-14 Macpherson Street Warriewood, NSW, 2102

Phone: 1300 111 278

Website: https://www.anglicare.org.au/seniors/retirement-living/locations/warriewood/

Pittwater Palms Retirement Village

Over in the suburb of Avalon, the Pittwater Palms retirement village occupies one of the most sought-after locations within the Northern Beaches of Sydney.

Providing convenient access to the area’s main shopping precinct via a short and relatively flat walk, the village also resides in close proximity to a bus stop and Avalon Bowling Club. You can also reach cafes, restaurants, cinemas, medical facilities and a host of boutique shops within a 5-minute walk. Elsewhere, Avalon Beach, the RSL and surf life clubs and the Avalon Golf Course are easy to get to.

Residents of the village love the comfortable and relaxed community centre, which enables them to mix with others. They also enjoy taking a dip in the indoor heated swimming pool, relaxing in the lounge area, reading or borrowing books from the on-site library and eating delicious meals in the dining room.

During the summer, the beautiful tropical gardens and outdoor bbq area are very popular areas. Moreover, many residents look forward to happy hours, trivia nights, music recitals and day trips that are laid on periodically.

82 Avalon Parade Avalon Beach, NSW, 2107

Phone: (02) 9190 6787

Website: https://www.aveo.com.au/retirement-villages/nsw/sydney/pittwater-palms/

Levande Maybrook Community

If you are looking for somewhere you can live with your four-legged friend, you should consider Maybrook in the suburb of Cromer. Resplendent in a picturesque setting, this inviting and welcoming community offers a laid-back and relaxed environment for independent living in an area flanked by delightful bushland.

Residents in the village can enjoy a range of social activities, including a breakfast and coffee club and aqua aerobics. They can also play billiards or have a swim in the heated indoor pool or spa. Additionally, there are dedicated BBQ areas and lots of visitor parking, which is perfect for when family and friends drop by.

Various types of accommodation are available, which come with 24-hour emergency call systems. They offer a nice place to live just one kilometre from the Wheeler Heights shops, which can be easily walked. The village also has a bus stop right outside it which enables residents to easily venture into the CBD. Alternatively, they can catch a village bus to places like the Warringah Mall or Mona Vale Hospital.

6 Jersey Place Cromer, NSW, 2099

Phone: 0428 416 237

Website: https://www.levande.com.au/community/maybrook/

RSL LifeCare ANZAC Village

From the top of the Collaroy Plateau, you can take superb views of both the Pacific Ocean and Narrabeen Lake. So, imagine being able to catch glimpses of it from your retirement village. That is exactly what you can do at the Narrabeen RSL ANZAC Village, which prides itself on being one of Australia’s premier communities for over 55s.

The village provides a range of accommodation options, including cottages, apartments and villas, each of which magnificently showcases either the lake, ocean or bushland views.

Set across 100 acres, the ANZAC Village offers 700 properties in total, which are well-suited to those after an active, independent lifestyle. However, if you need a bit of help in terms of personal care or generally around the home, they also offer RSL Lifecare, which can help a lot. Additionally, for those

wanting aged-care properties, there are a number of them on-site, which currently accommodate around 500 residents.

The village is equipped with plenty of amenities that are designed to make living in the community as enjoyable as possible. They include the likes of a licensed bar, coffee shop, and bistro called The DugOut, as well as function rooms, a heated spa and pool, a beauty and hair salon, a craft workshop, a 250-auditorium and outdoor games like croquet and lawn bowls.

There is also a Chapel based in the community, which hosts services on a weekly basis and sessions for bible study. Medical needs are also covered, thanks to a Therapy and Lifestyle Centre that provides access to GPs, pathology, occupational therapy, x-ray equipment, other specialists and a gymnasium.

4 Colooli Road Narrabeen, NSW, 2101

Phone: 02 8978 4200

Website: https://rsllifecare.org.au/location/retirement-villages/rsl-anzac-village-narrabeen/

Forestville Retirement Community, Retirement Village, Forestville

Forestville Retirement Community is a friendly and welcoming community nestled on the outskirts of the stunning Garigal National Park.

The location is ideal for those who enjoy being close to nature as there are fantastic walking tracks you can tackle to spot wildlife. In addition, entertainment, shops and essential medical services can all be accessed from the nearby Forestville Shopping Centre, while the Forestville RSL is within easy walking distance.

The community features 32 comfortable one-bedroom villas that come with contemporary bathrooms and kitchens, as well as distinct dining and lounge areas, charming courtyards, and a very good security system. As the villas are low maintenance, they also represent a fantastic lifestyle choice for those who want relaxed and affordable living. Within the same location, Fresh Hope Communities operates a residential care service, which is also available to village residents should they need it.

Residents can enjoy regular activities like crafts, exercising or fundraising to socialise, keep them occupied and provide them with a sense of purpose. The community also has beauty therapy sessions onsite, as run by a visiting hairdresser. In addition, pastoral support is given by a chaplain who drops by on a regular basis for residents who want to practice their faith. The property services staff also ensures that the buildings and grounds are kept in top condition to take away the concerns of organising ongoing maintenance, should residents find themselves needing it.

51-73 Cook Street Forestville, NSW, 2087

Phone: 1800 005 484

Website: https://freshhope.org.au/retirement/forestville-retirement-community/

Peninsula Gardens Retirement Living

Peninsula Gardens Retirement Living is a wonderful community situated on 14 acres of beautifully

landscaped gardens and surrounded by the pristine natural beauty of Sydney’s northern beaches. It is located close to the Mona Vale Hospital, Warriewood Square Shopping Centre, Mona Vale Beach and The Bayview Golf Club, all of which are a short walk or drive away.

Residents can enjoy retail therapy at the Mona Vale shops or partake in a gentle stroll along the beach, which is just a stone’s throw away from your doorstep. There are also plenty of indoor and outdoor activities which you can enjoy at Peninsula Gardens, including playing a game of tennis or enjoying happy hour with friends. Overall, the community offers security, companionship and support for those who live there.

79 Cabbage Tree Road Bayview, NSW, 2104

Phone: 02 9133 7828

Website: https://www.aveo.com.au/retirement-villages/nsw/sydney/peninsula-gardens/

Did you know? The first retirement village in Australia is believed to have been set up in the 1920s. Around that time, George Marchent, a Brisbane Methodist, established Whellar Gardens, when he noticed there was a need to house widows who were getting older and had little support.

Today, over 100 years later there are around 2200 retirement communities dotted around Australia. But what are they and how do they work? And more importantly, what are their benefits?

Allow us to elaborate.

What is a Retirement Village?

A retirement village is a purpose-built community for seniors and retirees who want a change in their lifestyle once they stop working and as they get older.

These communities offer a wide range of properties, facilities, amenities and services that are very much focused on convenience, lifestyle, and community. Typically, they operate on a License to Occupy agreement, which means that the operators of the village are responsible for the upkeep of anyone who stays there.

Is a retirement community the same as aged care?

It is worth pointing out that retirement living is not the same as aged care.

Often referred to as nursing homes, residential aged care homes offer a residential setting which enables seniors to receive high levels of care.

By contrast, retirement living communities are where go to continue to live their life independently as they see fit.

How Do Retirement Communities Operate?

Essentially, retirement villages provide residential accommodation to people who are aged 55 or over. They are typically managed by companies or non-profit charitable organisations.

The main purpose of retirement villages is to develop a sense of belonging and community among those who live and work there. It is also to bring together people who have similar live experiences and are around the same age.

Currently in Australia there are around 2,200 retirement villages dotted around the country. They provide accommodation for more than 170,000 seniors who tend to range in ages from 55 to over 100. That said, the average age of any given senior in a retirement community is 81.

Retirement villages offer a range of options to cater to the health and mobility of their residents. This can include homes that allow for full independent living. At the same time, it can also incorporate serviced units, or full nursing care. In some instances, all three options are available within the same property. Typically, retirement villages offer homes for sale, although some may offer rental options.

Apart from retirement villages, another option you might want to consider is lifestyle resorts which cater to those aged 50 and over. These resorts operate on a land lease community model and are designed for younger people who are active, fit and fully independent.

Why do seniors choose to live in a retirement village?

Seniors tend to move into retirement communities or villages for various reasons, although the main ones tend to be freedom, convenience and choice. However, this can take on different meanings for different people.

For instance, some people might move to be closer to their loved ones and mates. Alternatively, others relocate to a better location than they are currently in, often to be nearer the beach, a landmark like a national park, to live in a quieter, rural destination or to be close to restaurants and shops.

Other reasons people might move for is to live in a home that is easier and more manageable to maintain. They could also want to reduce the amount they are paying for its running costs and live somewhere that is more secure than they currently do.

Services and facilities at a retirement village

Retirement villages provide residents with comfortable accommodations. In addition, many provide access to home care services like personal care, nursing facilities and help at home, in case they are needed.

Generally speaking, retirement villages offer a community living experience where residents can interact and socialise and interact with others in various hubs within the village. Typically, this can include facilities such as a licensed bar or cafe, libraries and TV rooms. But it can also incorporate a swimming pool, gym or a putting green.

Some villages even offer organised activities and outings such as keep-fit classes, musical performances, quizzes and trips to the beach, shops or other popular local destinations.

Moreover, retirement villages are designed to provide community areas and maintenance-free gardens where residents can relax. Some also include home maintenance as part of their offering. So, if you need to replace a light bulb or make any other minor repairs to the property, it will be taken care promptly of at no additional cost to you.

Many retirement villages have convenient links to public transport, hospitals, medical facilities, shopping centres, sporting venues or social clubs like RSLs.

15 Benefits of living in a Retirement Village

As a senior, there are plenty of benefits to living in a retirement village. Here is a rundown of some of the main ones.

Active lifestyle

Many communities provide residents with opportunities to live a more active lifestyle through the facilities, amenities and social activities they offer including swimming pools, gyms and dance classes.

Amenities

Most communities provide their residents with access to a range of amenities that keep them active, social and mentally engaged. This could be anything from a swimming pool and community bus to a bar or library, all of which might be things they don’t have ready access to where they currently live.

Community Advisory boards

Many retirement villages have community advisory boards that can provide a wealth of information to residents. This helps them to stay more connected and a part of the local community than they otherwise might be if they lived on their own in a residential suburb.

The advisory boards tend to convey a range of information from upcoming events to specific services you can utilise. Overall, it can be an invaluable resource.

Convenience

One of the main benefits of retirement villages is the convenience they offer residents. This can take many forms including having meals prepared for them, lawns mowed for them and general maintenance complete.

However, it can also include the convenience of transport – whether that be a dedicated village bus or public transport -, onsite medical services or simply the proximity to various places such as the local shopping centre, the closest beach or the CBD.

Cost-Effective

For some seniors it can be a lot more cost effective to live in a retirement village than it would be to rent or own a property elsewhere. Not least because they might not have to pay as much in electricity, rates, house insurance and general repairs. So, there might be an attractive financial benefit to moving.

Effortless maintenance

Retirement villages tend to offer residents the benefit of no maintenance as they have dedicated staff whose remit is to mow the lawns or fix things that are not working or have broken. This takes the hassle away from them of doing this chores and gives them the peace of mind that these jobs will be taken care of.

Flexibility

Retirement villages offer a range of accommodation options, so it gives seniors flexibility in terms of

finding somewhere that suits their needs.

Moreover, as they can also pick between living independently there or taking advantage of assisted living services, they also have a choice of how they want to live.

Healthcare professionals and services

In a retirement village you will likely have access to a range of health care professionals onsite. These can include a registered nurse, occupational therapist, podiatrists and physiotherapists.

This can be invaluable for seniors as it will enable them to be proactive and reactive to their health. It can also be especially reassuring for those who live alone.

Independent Living

For many seniors, moving to a retirement village gives them the best of two worlds. It allows them to keep living independently, but it also places them in a community of similar aged and like-minded people with whom they can socialise if they want to.

Moreover, should they require medical services or any other assistance, they are given the peace of mind to be able to call upon it as and when they need it.

Onsite facilities

To attract residents and make their lives alot easier, most retirement villages provide a range of onsite facilities.

Having access to onsite dining, medical services and transportation can be very convenient.

Peace of mind

Living in a retirement village can give seniors incredible peace of mind that they will be well looked after. This is particularly important for those who either do not have any family at all, or that are living close to them.

This peace of mind will differ depending on the individual. However, it can incorporate everything from a safe and secure place to live to the feeling of knowing you live close to people your age that you can socialise with.

Save time on chores

In a retirement village, many of the chores you would ordinarily have to do are automatically taken care of, such as mowing the lawn and taking the bins out. By saving time on chores, you will be able to focus on other social activities that enable you to relax and bring you fun and enjoyment.

Social opportunities

Retirement villages offer a plethora of social opportunities to their residents, which they might not ordinarily have access to. Some have onsite bars, swimming pools and meeting areas, while others run regular day trips, events like trivia quizzes and dances and even classes for yoga or keep-fit.

Indeed there retirement villages tend to offer so many social opportunities, you’ll never be bored!

Security

A key benefit for many seniors of living in a retirement village is that they are very secure. Most of them have a suite of safety and security features which are designed to protect residents.

Some of these might include being in a gated community, living in units that require key coded entry, security alarms, emergency buttons and CCTV cameras. All of which enable residents to live without the fear or concerns they might otherwise have.

Sense of community

Many retirees who live alone can suffer from social isolation, particularly if their children are grown up and have families of their own, live a far distance away or if they, themselves, are not very mobile. For this reason, joining a retirement village can provide them with a real sense of community.

Living in a retirement community means you are a part of something. You also are around people who are at a similar stage of your life and enjoy some of the same hobbies and past-times you do. This can be incredibly rewarding and fulfilling and can reduce your chances of loneliness.

From the Northern Beaches to the Southern Shire there are a huge number of retirement villages dotted around Sydney, with new ones seemingly springing up every week.

If you are currently on the lookout for a place to spend your retirement years, whether it be in independent living or an aged-care facility, it can be confusing to determine which one is right for you. This is particularly true if you have not heard of them before.

With that in mind, we have put together this list of ten of the newer retirement communities you might not be aware of. Between them, all of these villages make great places to spend your golden years, thanks to their accommodation, services and social activities.

The Heritage of Hunters Hill Retirement Community

The Heritage of Hunters Hill is a lovely retirement community that offers a charming and peaceful environment for you to live. It is located in the prestigious Hunters Hill area, just 8km from the Sydney CBD. The community is surrounded by beautiful landscaped gardens and is close to public transport, health services, shops, and plenty of cafes and restaurants.

The community comprises interconnected, low-level apartment buildings, and also accommodates the historic Mary MacKillop House, which features stylish reception rooms that are perfect for entertaining.

It’s important to note that if you decide to live in one at The Heritage of Hunter’s Hill, accommodation is sold under a loan lease arrangement. This means that a departure fee will be charged to you when you leave the village.

Address: 35 Gladesville Road Hunters Hill, NSW, 2110

Phone: 1300 650 640

Website: https://www.australianunity.com.au/assisted-living/retirement-communities/hunters-hill

McRae-McMahon Place by Uniting

Boasting homes that have been architecturally designed and excellent facilities, McRae-McMahon Place by Uniting is a terrific place in which to retire.

This buzzy community of seniors who enjoy independent living is a place where you can feel comfortable, relaxed and connected with others. It features a mix of accommodations including penthouse and premium apartments that are especially designed for people aged 70 and over, complete with private balconies that are perfect for alfresco living.

The village is located around gardens that are wonderfully landscaped and are defined by an indoor, resort-style swimming pool and a notable water feature. It also resides within a central space in the suburb of Leichhardt that enables you to easily get to the Sydney CBD, should you want to head over there.

At McRae-McMahon Place, residents can enjoy a range of amenities including a private space to dine and a community clubroom where they can entertain family or friends. For those who need it, assisted living is also available.

17 Marion St, Leichhardt NSW 2040 Leichhardt, NSW, 2040

1800 864 846

Website: https://www.uniting.org/lp/uniting-marion-st-retirement-living

Baldwin Living Maroubra Gardens

Baldwin Living is a family-owned organisation in Australia that provides support and care for senior citizens. Their Baldwin Living Maroubra Gardens village is a charming retirement community situated within the Eastern suburbs of Sydney.

Overall, the village has a friendly and warm atmosphere and is just a few minute’s drive away from Maroubra Beach.

The community offers a range of units to fit your retirement lifestyle preferences and needs. What is great about living here is that should your health needs change at some point in the future, they won’t make you move to a Serviced Apartment. Instead, the services will come to you where you currently reside. This is a good example of the flexibility of services they offer.

Address: 13 Tyrwhitt St Maroubra, NSW, 2035

Phone: 02 9311 1257

Website: https://maroubra.baldwinliving.com.au/like your life is meaningless.

Mark Moran Vaucluse

Mark Moran Vaucluse is committed to promoting the well-being of its residents by offering them a lifestyle that emphasises independence, support and stability, in a vibrant seniors community.

The community features deluxe, light-filled apartments and rooms and outstanding facilities, which include an infra-red sauna, holistic day spa, 25-metre swimming pool, a movie theatre and a beautiful rooftop garden which showcases superb views of Sydney Harbour.

In addition, they also provide exceptional hospitality services, that include skilled chefs who create custom-designed meals with fresh and top-quality ingredients. Aged care residents are able to enjoy these delicious meals prepared right in front of them in residential-style kitchens. The village also has on-site bars, restaurants and cafes which make excellent places to socialise with family and friends.

At Mark Moran Vaucluse, they adopt an individualised and non-institutional approach to aged care. Their residents are looked after by medical professionals such as registered nurses, allied health professionals and occupational therapists, who provide them with compassionate and comprehensive support. They also have onsite security, a 24-hour concierge and nursing staff that are on-call.

Address: Corner of Laguna Street and Old South Head Road Vaucluse, NSW, 2030

Phone: 02 9366 7000

Website: https://markmoran.com.au/locations/vaucluse/

Uniting Killarney Mosman Independent Living

Uniting Killarney Mosman is an independent living facility that offers a delightful blend of community, convenience, and comfort. Their stunning facility resides in a leafy and peaceful setting which provides residents with easy access to local shops and restaurants and public transport.

Their apartments are modern and spacious, featuring stylish decor that has been tastefully designed, which makes them very comfortable to live in. The community also offers a wide range of recreational and social activities including movie nights, art workshops and exercise classes to stimulate your mind and body. They also have a community centre that is a fabulous place to catch up with friends and mingle with familiar faces.

Residents of Uniting Killarney Mosman can live with the peace of mind of knowing that there are dedicated staff who can help them with anything they need – such as maintenance, housekeeping or transportation, around the clock.

Address: 2 Dalton Road Mosman, NSW, 2088

Phone: 1300 236 030

Website: https://www.uniting.org/services/retirement-and-independent-living/facility/uniting-killarney-mosman

M By Montefiore

Are you searching for a comfortable and luxurious retirement community in Woollahra? Then Montefiore Home Woollahra is a great option.

Operated by Montefiore, a leading provider of aged care services in Australia, the village offers a welcoming, warm and unique environment for retirees wanting to enjoy an easy and relaxed life.

Nestled in the heart of Woollahra, this beautiful community offers a wide range of accommodation options, including independent and assisted living apartments. These can take the form of a cosy studio apartment or a spacious two-bedroom suite.

The support staff and caregivers at the village are professional and friendly and are passionate about making your stay there as enjoyable and comfortable as it can be. In addition, residents are able to access a suite of amenities, including a beautiful garden, a wellness centre and a library.

Address: King St Randwick, NSW, 2031

Phone: 1800 952 229

Website: https://montefiore.org.au/mbymontefiore/

Levande Cardinal Freeman

Located on a leafy and quiet part of Sydney’s inner west, The Residences at Cardinal Freeman is situated just 10 km from the Sydney CBD, close to Summer Hill Village. This means that residents

have easy access to everything that is important to them.

The village itself offers a selection of villas and secure apartments that have between one and three bedrooms. Featuring modern designs, they are equipped with either a terrace, balcony or courtyard and reside in a community that requires security swipe access.

The Residences offer an excellent mix of support, convenience and service to those who live there. A full-time village manager is also on site to make sure it runs smoothly. There is also a 24-hour emergency call system for those who require it.

Residents can enjoy a range of facilities and amenities including a bar, gym, swimming pool, café, theatre, library and lounge. There is also a village bus that can take them to various places around the surrounding suburbs and plenty of social activities to facilitate fun and engagement.

The village is situated less than 300 metres to the Sydney Private Hospital. It is also close to Peace Park and Yeo Park, as well as a Leagues Club, RSL, bowls club and golf course.

Address: 137 Victoria Street Ashfield, NSW, 2131

Phone: 0421 279 288

Website: https://www.levande.com.au/community/cardinal-freeman/

Lifestyle Manor

Fancy living in the heart of Bondi? Well, that is exactly what you can do at the Lifestyle Manor Retirement Community.

Comprising 85 boutique apartments that have been stunningly designed, the Lifestyle Manor Bondi Village offers a range of apartments with up to three bedrooms to provide you with as much space as you need.

The community offers several spaces where you can converse or relax. They include outdoor spaces which showcase tremendous views of Bondi, a function-room area and a charming café on-site. It also boasts beautiful landscaped gardens that make lovely places to sit by fountains or soak up the sun with your pets.

As the village resides in the heart of Bondi, residents can easily take advantage of its dining and shopping scene, attend cultural events or visit its main outdoor attractions. It also enables them to easily access places like Paddington, Woollahra Double Bay and Westfield Bondi Junction.

Address: 24-32 Flood Street Bondi, NSW, 2026

Phone: 0293892777

Website: http://www.lifestylemanorbondi.com.au/

The Baytree by Ardency

Located in the picturesque and serene suburb of Greenwich, The Baytree by Ardency is a senior living community that offers unparalleled luxury, convenience and comfort in a safe and welcoming environment.

Operated by Keyton, the stunningly designed residences feature well-thought-out layouts, contemporary finishes, and modern appliances. Its facilities are just as impressive, including landscaped grounds, a resort-style pool, a cinema, a library and a hair salon.

Priding itself on being a lifestyle destination for those wanting to enjoy a laid-back and fulfilled retirement, residents can draw upon several services that are designed to meet their needs. This includes maintenance, housekeeping and medical help if needed. Guests can also enjoy a range of social events and programmes, such as fitness classes, while the centre is also just a short walk to Greenwich Village.

Address: 6 Ulonga Avenue Greenwich, NSW, 2065

Phone: 1800 550 550

Website: https://keyton.com.au/home/our-villages/nsw/the-baytree-by-ardency

Baldwin Living Lane Cove Gardens

Lane Cove Gardens is a retirement village that offers 1 and 2-bedroom independent living units.

Their homes are set within spectacular gardens and are connected by flowered courtyards and walkways that provide convenient access to the village community centre. In addition, the village features northerly aspects with stunning views overlooking Lane Cove National Park, Chatswood CBD and Chatswood Golf Course.

The retirement community is designed for seniors who want to maintain an active and social lifestyle with the convenience of coming and going as they see fit. It also offers a friendly and secure environment that enables its residents to foster a sense of community.

5 Hart St Lane Cove North, NSW, 2066

Phone: 02 9427 6564

Website: https://baldwinliving.com.au/

Port Macquarie is known for its wonderful beaches, rich wildlife and, of course, its fascinating history as a penal colony. It also has a fantastic dining scene, some good shopping and plenty of green space to enjoy a picnic or afternoon stroll. So, it should come as no surprise then that many seniors choose to live out their retirement years here.

If you are a person of more mature years or are not that far off retiring, there are plenty of options available to you. However, with so many choices out there, it can be difficult to distinguish which one is right for you.

But don’t worry, we’ve got you covered!

Outlined below is a shortlist of nine of the most notable retirement villages in Port Macquarie. If you focus your initial efforts on what these providers can offer, you can’t really go wrong.

Lourdes Village

Lourdes Village is a relaxed and laid-back community located in the heart of Port Macquarie. Operated by St Agnes’ Care & Lifestyle, it has been designed to provide a comfortable and safe environment where residents can enjoy their golden years with renewed vigour.

The village resides in a picturesque and quiet suburb which is flanked by lush greenery. It also enables residents to enjoy comely views of the Hastings River. Homes there are stylish, well-thought out in terms of design and modern. They have been created to offer the upmost levels of convenience, comfort and luxury to those who live there. Overall, their accommodation options range from roomy villas to elegant apartments, all of which have been empathetically designed to suit every need and lifestyle preference.

The village is situated close to amenities live health facilities, shopping centres and public transport links, which ensure residents remain connected to the outside world, whilst staying with the stoic retirement community.

At Lourdes, they believe that staying active is an essential component to maintaining an optimum level of health. As a result, they offer a wide range of amenities and activities to ensure their residents stay healthy and fit. They include a swimming pool, a lawn bowling green, a gymnasium, and even a golf course. They also offer various social activities, including card games, craft classes, barbecues and movie nights, which gives them a terrific opportunity to mingle with others and develop strong friendships.

Address: Morton Street Port Macquarie, NSW, 2444

(02) 5525 3600

Website: https://sacal.org.au/

RSL LifeCare Pozières Retirement Village

Located on Ocean Drive, Pozières Retirement Village offers a truly exceptional living experience for its residents. Embraced by nature and in close proximity to the golden sands of the beach and a vibrant town centre, it seamlessly combines a relaxed coastal lifestyle with convenient urban amenities.

What makes Pozières different from its competitors is the superb sense of sophistication that permeates through both the residences and village facilities. The Hamptons-style residences and communal areas ensure abundant natural light and space. At the same time, floor-to-ceiling windows, timber-style floors, and a colour palette full of earth tones create an atmosphere of luxury and elegance. Every detail has been thoughtfully considered, from the cutting-edge heated swimming pool to the spa and gym.

The clubhouse boasts a spacious function area accommodating over 100 people, along with a mezzanine area upstairs. Outdoor seating invites you to revel in the stunning surroundings while enjoying a meal or coffee. At the same time, Pozières offers a wide range of social and sporting activities, as well as some of life’s little luxuries, such as a village café on-site and a hair salon. Residents can also make use of a 20-metre heated swimming pool and spa, a fully equipped gymnasium and a bowling green – perfect for casual afternoon rolls or friendly competitions with neighbours. Additionally, the impeccably designed and spacious clubhouse provides the ideal setting for entertaining guests or mingling with fellow residents.

The good thing about living at Pozières is that if you require additional care, they offer a holistic Home Care service that is readily available. Their dedicated team of committed professionals strive to deliver the highest standard of personalised support – which can take the form of anything from medical monitoring 24/7 to regular housekeeping.

Address: 821 Ocean Drive, Lighthouse beach Port Macquarie, NSW, 2444

Phone: 02 5504 5489

Website: https://rsllifecare.org.au/location/retirement-villages/port-macquarie-oceans-drive-pozieres/

Bolton Clarke Broadwater Gardens

At Bolton Clarke Broadwater Gardens they realise that all their residents are different. That is why they offer a wide selection of accommodation choices to fit all needs. This includes everything from single duplex properties with a couple of bedrooms to larger three bedrooms homes with double garages, roomy living areas and two bathrooms.

In addition to these choices, the village also offers stylish riverside apartments that overlook the picturesque Hastings River. These apartments come with, state-of-the-art contemporary finishes and appliances. With them, the two apartments in the upper levels come with three bedrooms (the main one of which has an ensuite), rear balconies and good sized open plan living areas. You can access these by stairs or lift.

All homes feature an emergency call system that is responded too 24-hours a day, and security screens. They are also located within a secure and gated community that is within easy walking distance to the local shops and river, while the Settlement City shopping centre is not that far away.

Address: 160 Park Street Port Macquarie, NSW, 2444

Phone: 1300 857 366

Website: https://www.boltonclarke.com.au/living-options/retirement-living/broadwater/

St Agnes’ Village

St Agnes’ Care Village brings together a range of care and lifestyle services that are designed to help their residents celebrate the gift of life.

Encompassing over 200 single level villas that feature modern layouts, they all have living spaces that are versatile and pet friendly. These villas come with two or three bedrooms that feature well-equipped kitchens, modern bathrooms and laundry, a lovely dining and lounge area and a single garage that is attached.

Residents can live in the knowledge that the community is very secure and they can draw upon a 24-hour emergency call system if required. On top of this they have the peace of mind that all garden and lawn maintenance is done for them.

At St Agnes’ Care & Lifestyle they pride themselves on respecting the diversity of their residents and do all they can to make them feel included and welcomed. It is important to note though that the ownership title in the village is a license to occupy. This means all of the villas belong, and will always remain as the property of St Agnes.

Address: Lochinvar Place Port Macquarie, NSW, 2444

Phone: (02) 5525 3600

Website: https://sacal.org.au/

Sienna Grange Retirement Community

Over in Port Macquarie, the Sienna Grange Retirement Community is located close to the town centre, so it offers resident’s easy accessibility to a diverse mix of shops, cafes, professional services and entertainment venues. In addition, regular taxis and local buses also enable you to get out and about in the community.

At Sienna Grange, they offer two and three bedroom residences which come with their own private courtyard, which gives you your own space to spend some alone time, but also entertain friends should you want to.

Overall, the village is very welcoming and offers a wide selection of amenities designed to focus on the well-being of their residents and their interaction with others. One of the hubs of the village is the community centre, which holds events like morning teas, organised classes and special interest groups. There is also a well-stocked library for bookworms to enjoy.

It is worth noting that as the homes are sold under the arrangement of a loan lease, you will have to pay a departure fee should you want to leave. In addition, any capital gains you have made will have to be shared with the village operator.

Address: 28 John Oxley Drive Port Macquarie, NSW, 2444

Phone: 1300 899 759

Website: https://www.australianunity.com.au/assisted-living/retirement-communities/sienna-grange

Garden Village Port Macquarie

The Banksia is one of Port Macquarie’s latest retirement, independent living apartment complexes. Featuring a contemporary design which has a real wow factor about it, the Garden Village community offers a caring and warm environment in which to spend your golden years.

Overall, the village offers retirees 30 two-bedroom apartments designed for comfort, independence and accessibility. This enables residents to enjoy the benefits of contemporary apartment living but with close proximity to cafes, restaurants, shops and local attractions. Inside, these properties are well-appointed with stylish fittings, finishes and fixtures that have been chosen to instantly make you feel at home.

The good thing about these properties is that they have been designed with smart living in mind. They are also maintenance-free for the residents and come with underground parking.

Address: 7 Garden Crescent Port Macquarie, NSW, 2444

Phone: 02 6582 8923

Website: https://www.gardenvillage.com.au/

Levande Parklands

For those wanting to live their retirement years in Port Macquarie, there is no better place to do so than at Parklands Village.

Residing just 2km from the centre of town, where you will find a hospital and big shopping centre, this congenial, laidback village caters for independent retirees who want to take advantage of the facilities, community feel and security it offers.

One of the best things about being in this village is the social activities that are laid on. They include regular bingo and craft groups. In addition, there is a bowling green, coffee shop and BBQ area on-site, while indoor facilities include a spa and heated swimming pool, a library, craft room and hair salon. The village is also pet-friendly, so your (approved) four-legged friend can stay with you, and is regularly visited by health professionals like a doctor and a podiatrist.

For residents who want to venture out and about, there is a local bus pick up five days a week and a village bus that will take you into town once a week.

Address: Cnr Hindman Street and Central Road Port Macquarie, NSW, 2444

Phone: 0401 637 876

Website: https://www.levande.com.au/community/parklands/

RSL LifeCare Port Macquarie Le Hamel Village

Le Hamel Village is a quaint retirement community, operated by RSL LifeCare. It is located within the gorgeous suburb of Port Macquarie and offers a fabulous environment for those wanting to live comfortably and peacefully.

Operated by RSL LifeCare, the community has an inviting feel to it and provides residents with a sense of security and belonging that will quickly help you to feel a part of it. It offers a wide range of

recreational and social activities to residents including exercise classes, arts and crafts and regular day trips. In terms of amenities, residents can enjoy the use of a library, heating swimming pool, landscaped gardens and a gym.

The community has an excellent selection of villas that offer spacious and comfortable single-level living. They come with air conditioning, a dedicated carport and a host of modern conveniences.

Address: Corner Hastings River Drive and Boundary Street Port Macquarie, NSW, 2444

Phone: (02) 6583 6915

Website: https://rsllifecare.org.au/location/retirement-villages/port-macquarie-le-hamel-village/

Glenfern Thrumster

Glenfern is a charming community nestled within a wide open, greenspace in the suburb of Thrumster. Just a ten minute drive from Port Macquarie, it has been created to provide an upscale living experience for those over the age of 50.

Residents can enjoy a relaxed ambience, several top notch amenities, and easy access to the best shops, eateries and attractions in the Mid North Coast.

Address: 19 Glenfern Avenue, Thrumster NSW 2444 Thrumster, NSW, 2444

Phone: 02 7255 2900

Website: https://hometownaustralia.com.au/nsw/mid-north-coast/glenfern-thrumster

Retirement is a funny old thing. You work for the best part of 40 years trying to build up your wealth and save money for the time when you are free to do whatever you want to do and then boom, you’ve retired and have more free time on your hands than you know what to do with.

For some seniors this can be a real issue because they have gone from a phase of their life where they have had responsibilities, structure and goals to one which lacks routine, social interaction and is more sedentary. The longer this goes on, the more it can negatively impact one’s mental and physical health.

As a result, it is important for retirees to see their golden years as a clear slate and embrace the possibilities it could hold. The best way to do that is to engage yourself mentally, physically and socially, as this will help you thrive. Here are 15 ways you can do that.

1. Look forward to the next stage of your life

You have worked hard to get yourself into a position to retire, so you should channel your energies on enjoying it.

Make sure you adopt a positive mindset that does not dwell on you no longer making a positive contribution to the work force. Instead allow yourself to enjoy the spare time you craved so much for when you were working.

Retirement is something you have earned. So make a vow to enjoy it.

2. Travel

One of the best ways to thrive as a retiree is to travel. There is an entire country out there you can choose to explore, not to mention the whole world overseas. So why not draw up a bucketlist of places you want to visit and slowly tick them off one by one?

Whether its Uluru, Esperance or The Great Ocean Road you want to explore or destinations like Fiji, The Faroe Islands or Mongolia, travelling to these places will be a journey of discovery that broadens your mind and lifts your soul.

3. Get Healthier

Your health is important at any age, but especially as a senior if the daily course of your life means you are not as active as you once were.

For this reason you should make a point of exercising regularly by going for walks or jogs at the beach or the local park. You could also join a gym, swim, take Pilates classes, cycle or do Tai Chi. Basically anything that gets you active and burns up calories to keep you in shape.

At the same time you should also prioritise eating healthily and sleeping well. Ultimately, by focusing on your health, you will find you will have increased energy and a more positive outlook on things.

4. Get a part time job

Even though they have retired, many seniors still want to work to maintain a purpose, earn a little extra money and for the social interaction.

If you find yourself feeling like this it is a good idea to get yourself a part-time job. There are plenty of job options out there for seniors ranging from office admin and driving related roles to retail and cafe/restaurant work.

Websites like Older Workers and companies like Mature Age Employment Services specialise in job opportunities for older people wanting to stay employed.

Whatever job you decide to do, just make sure it is a role within an industry that you enjoy and makes you happy.

5. Volunteers

If you don’t fancy working or would prefer not to commit to a regular schedule you could always volunteer?

There are literally hundreds of charitable organisations in the country that could use your help in everything from raising donations to assisting with events or specific tasks. So, find a cause you feel passionate about and give them a call.

Other places you can volunteer are at museums or national parks, animal shelters, food delivery services and community gardens. The beauty about volunteering is that you can devote as little or as much time as you want.

6. Enjoy a hobby

We all have hobbies and things we like doing. However, whether or not we make time for them is a different matter entirely.

Now that you’ve retired, it is the perfect time to rekindle your love of these activities. So, schedule in a time to play golf once or twice a week. Set up a big jigsaw puzzle in your house that you can tackle whenever you want. Reconnect with your greenfingers in the garden.

Essentially, whatever you like doing, it is important you spend time doing it, as this will fill your day with something you’ll find enriching. It is also a good idea to try new hobbies and activities you have always wanted to but haven’t ever gotten around too. So, give photography, scrapbooking, origami or candle making a try if it interests you.

7. Learn a new skill

One of the easiest ways to thrive as a retiree is to learn a new skill. This could be anything from a new language or how to make a barista coffee to computer programming or playing an instrument.

Not only will doing this present you with a new challenge to get your teeth into, it will also provide you with a sense of personal growth and be very rewarding the more accomplished you become at it.

8. Study

Always wanted to go to university? Or maybe there is a subject you want to learn more about? Well, why not enrol in a degree course?

An increasing number of retirees are doing just this as it enables them to tax their mind, expand their knowledge base and discover modern concepts and ideas. Most universities and even the government offer incentives to encourage older people to study and there are hundreds of courses you can choose from.

If you don’t fancy sitting in a lecture hall of one hundred 18-year-olds at a traditional redbrick campus, you can always take an online course with an institution like UTS. The sense of pride and achievement you will get when you graduate is worth your weight in gold.

9. Make new friends

Arguably one of the hardest things about being a retiree is that you often go from having plenty of social interaction to none at all. A lack of social intercourse is not good for your mental health and can leave you feeling isolated and alone.

As a result it is important to make new friends. There are plenty of social clubs and organisations that run regular get togethers that enable you to mingle with like-minded people. You should be easily able to find something suitable through a simple Google search or by scouring your local newspaper.

At the same time as making new friends, it is also important to maintain long-standing friendships as these are people you have made solid and meaningful connections with – which can be difficult to do the older you get.

10. Live in a place you love

When you are retired it is important to live in a place you love because that is where you will be spending most of your time.

Subsequently, if your current home does not provide you with a comfortable space to reside and easy access to amenities like public transport, shops and medical facilities it might be time to move.

If your home is big, you should also consider moving if all your children have flown the nest, as you might find it empty and difficult to keep clean.

The last thing you will want is to live somewhere that is a labour of love or feels like a millstone around your neck. So, if you start to feel like this, consider moving somewhere – for instance close to a beach or a town centre area – that you are more likely to enjoy living in. It might be a good idea to rent for a while until you find somewhere that feels like home.

11. Review your finances

Finances can be a worry for retirees, so it is a good idea to constantly review them to give you peace of mind.

If you haven’t already, it is a good idea to create a budget that takes in your daily, weekly and monthly expenses. That will help you keep track of how much you need to comfortably fund your retirement lifestyle.

Make sure you review it on a regular basis to keep on track of your spending and make adjustments to it and your lifestyle as necessary.

12. Spend time with your grandchildren

Many retirees missed out on spending time with their own children as they had to work to provide for them. Therefore, if you have grandchildren, a nice thing to do is to spend as much time with them as possible.

Not only will this significantly help out your adult children (with free child-care) it is also a wonderful way to develop a bond with them. You will also feel younger too and have a great opportunity to tell them stories that can be passed down for generations.

13. Be proactive with health checks

Although you should be focusing on your health in terms of what you eat, how much sleep you get and what exercise you are doing, it is important also to be proactive with your health checks.

Don’t wait until you are sick to see a doctor, instead make regular appointments, at least once a year, to give your body the full once over. They will be able to ascertain early if there is an issue with your health and thus start to treat it accordingly.

Additionally, if they give you the all clear you will have the peace of mind that your body is in good working order.

14. Get Creative

If you have a creative mind you will never be bored, so why not get in tune with yours?

Whether you enjoy painting, drawing, writing or cooking, let your imagination take hold of your aptitude for these tasks to see what you can create.

With your mind fully engaged in the task, you will be amazed at what you can produce.

15. Plan a routine

For some retirees, lack of structure can be a real issue, especially those who have recently stopped working. As a result, if you feel this way, it is important to devise some structure for your day or week.

This structure can be as rigid or fluid as you want and can be either very detailed or with plenty of room for manoeuvres. The goal of doing this is to help you understand your purpose and prevent you from feeling lost or like your life is meaningless.