Frequently Asked Questions

We have tried to answer a few of the most commonly asked questions here for easy reference. If the answer to your question cannot be found here, please contact us and we will get back to you as soon as possible

What exactly is meant by Life Right?

“Life Right” is simply the “right of occupation” of a portion of a housing development scheme (or village) for the duration of the lifetime of the occupier at no rent. Payment for the Life Right is by way of a lump sum. A levy is payable for the running expenses of the village.

The cottage or flat is occupied by an Occupier. The Occupier or Occupiers are written into the Life Right Agreement prior to occupation. The Life Right contract is written around the Occupiers, not the person or body who paid for the Life Right. The Life Right Agreement is cancelled by mutual agreement with the Society when the Occupier or the last of joint Occupiers dies or voluntarily signs a relinquishment form giving up their right of occupation. They might do this to move away from the village or to move into frail care.

What and how much is the Refund?

The refund is the full value of the Sponsorship Amount paid back to the Sponsor. The refund is repaid when the Life Right has been re-purchased and paid for by a subsequent Sponsor. The refund is subject to the conditions of the Life Right Agreement.

Who pays for the Life Right?

The Life Right is paid for by a “Sponsor.” The Sponsor may be the occupier, but not necessarily. A trust may be the Sponsor and often children sponsor a Life Right for their parents. There can be and often is more than one Sponsor. The Life Right Agreement is, however, written around the Occupier. The Occupier is responsible for the levy, not the Sponsor. The Sponsor is only referred to in three instances. Firstly to identify the Sponsor, secondly to sign the agreement as the Sponsor and finally the Sponsor is referred to as the person to receive the Life Right refund.

What and how much is the Sponsorship Amount?

The Sponsorship Amount is the amount paid for, or the purchase price of, the Life Right to occupy a cottage or flat in one of the villages controlled by the Society. The Sponsorship amount is loosely based on the price for a similar unit in the local community.

Who pays for Transfers and Commissions?

As the cottages or flats are owned by the Society and the purchase made is of a Life Right to occupy a cottage or flat, there are no transfer fees. There are similarly no lawyers fees or conveyancing fees. The sales of Life Rights are concluded by our staff within the villages and no commissions are payable.

What does the levy cover and does it increase every year?

The monthly levy covers the running costs of the villages. This includes but is not limited to rates, water and sanitation, security, insurance, garden services, bus services, common area housekeeping, bank charges, audit fee, staff salaries and communal electricity consumption. Electricity and telephone charges are levied separately and are based on the resident’s actual usage. Levies do increase each year and are based on the actual cost of running the villages. Capital expenditure items such as vehicles, lawn mowers, re-tarring of roads and re-modelling of cottages is not a levy cost but a capital account cost. Similarly, all the depreciation is paid in the head office account and not by the residents in the village levies.

What happens if your name comes up for a unit and you are not ready?

You can turn down the offer of a cottage or flat without losing your place on the waiting list. As a waiting list member you have paid to be on the list and to move up as somebody ahead of you buys a unit, hence you cannot move down the list. It is your right to turn down a unit offered to you. You could also purchase the unit and leave it vacant for the most part of the year only visiting occasionally until you are ready to take up full time occupation.

Are you allowed to bring pets into the villages?

The Margate Retirement Village does not allow cats or dogs. Umdoni, Widenham and Ramsgate Retirement Villages allow small dogs but no cats. Caged birds are allowed in all four villages.

Does each village have a Frail Care Unit?

Margate Retirement Village has a sizeable frail care and dementia facility. This facility is also used by the Ramsgate Retirement Village. Umdoni Retirement Village has a 20 bed frail care facility, Widenham Village Frail Care will be built in due course.

How does the Waiting List work?

To be in line for a cottage in our villages, you need to be on one of our waiting lists. Due to demand for cottages in our villages, we have strictly managed waiting lists, so it is worthwhile to get your name down as soon as possible should you wish to join our family.

We have two formal waiting lists, one for the Margate and Ramsgate Retirement Villages. The second is for Umdoni Retirement Village. At this stage there is no waiting list for Widenham Retirement Village as this is a new village and Life Rights for cottages may be bought “off-plan”, so here is your chance to get in early!

To join a waiting list a prospective resident applies for Life or Ordinary membership of the Society and for joining the waiting list. Both the Society membership and the waiting list have a subscription fee.

Subscriptions for Society Membership and Waiting List fees can be paid annually or a once off Life Time Membership and Waiting List fee may be paid.

The waiting list member must become the Occupier listed in the Life Right Agreement with the Society and waiting list members may not cede their position on the waiting list to another person. Our waiting list members receive our newsletter four times a year and the Society Annual Financial Statements and are entitled to attend the Society AGM.

It is never too early to join the list… get your name down sooner rather than later… when you are ready to make your retirement choice you won’t be sorry!

Our Villages


Margate Village


Ramsgate Village


Umdoni Village


Widenham Village

Enquire Now

Your new home could be waiting for you at one of our villages. We would love to connect with you and make your retirement dreams a reality.

Please contact us using the details below or fill in the form opposite for further information.

We look forward to connecting with you.

General enquiries

TEL: 039 312 5000