Our Guarantee Plan explained
With your property price and bond payment returned when you leave, our Guarantee Plan keeps things simple and stress free.
Our Freedom Plan explained
Monday, 18 May 2026
If financial flexibility and freedom sound good to you, our Freedom Plan could be just the thing.
Freedom Plan: flexibility and reassurance, your way
Choosing a retirement living plan is an important decision, one that should feel clear, considered and right for you. The Freedom Plan at our select leasehold villages is designed to give you flexibility by paying your management fee when you leave, while offering the comfort and lifestyle of a Keyton retirement village.
This overview explains how the Freedom Plan works, what costs are involved and why some people choose it. It’s important to seek your own independent professional legal and financial advice. Engaging a trusted solicitor and financial adviser and talking to your family will help you make the right decision before you sign your contract.
What is the Freedom Plan?
The Freedom Plan is one of Keyton’s contract options, which allows you to pay the management fee when you leave, rather than when you move in.
You pay the property price upfront and enjoy your home, the community and village amenities for as long as you choose. The key difference to other plans lies in when the management fee is paid, giving many residents greater flexibility during their retirement years.
Why some people choose the Freedom Plan
Before we get into the nitty-gritty, it helps to understand why some people choose the Freedom Plan. For many people, retirement is a time to enjoy life, explore opportunities and feel comfortable knowing their finances are available for them.
The Freedom Plan is often chosen by those who value:
Keeping more funds available earlier in retirement
Avoiding large fees at entry
Knowing there is a clear cap on exit management fees
It’s about finding a balance between today’s lifestyle and tomorrow’s certainty.
Alright, let's do a deep dive!
How it all works
Fees at entry
Under the Freedom Plan, you are required to pay a property price for your new home and, if it is in Queensland, you will also pay $5,000 establishment fee.
Management Fees
Under the Freedom Plan, the management fee:
Accrues at 6.5% per year
Is capped at 32.5% of the original property price, i.e. stops accruing after five years, even if you stay longer
Is payable by way of a deduction from your exit entitlement Once the cap is reached, no further management fee applies.
This structure gives clarity and helps make long‑term planning simpler.
What ongoing costs apply while you live in the village?
In addition to their plan costs, residents pay a monthly service fee. This contributes to the day‑to‑day running of the village and helps maintain the environment you enjoy.
Service fees typically cover:
- Village management and support staff
- Maintenance of shared amenities and gardens
- Security and emergency call systems
- Insurance, rates and capital maintenance
Keyton does not make a profit from monthly service fees. They are used solely to support village operations.
What happens when you leave?
If you decide to leave under the Freedom Plan:
You are protected by the No Capital Loss Guarantee, so if your home sells for less than you paid, you won’t incur a loss.
Keyton offers a guaranteed buyback within 6 months after vacant possession, subject to terms and conditions.
Monthly service fees stop upon vacant possession in Victoria, 42 days after vacant possession in New South Wales and ACT and 90 days after vacant possession in Queensland and South Australia.
No reinstatement costs are incurred by you when you leave, unless your home is damaged or has accelerated wear and tear.
You do not incur the cost of marketing and selling your home.
What about capital growth?
With the Freedom Plan, any capital growth from resale is retained by Keyton. However, you are protected by Keyton's No Capital Loss Guarantee. If your property reduces in capital value, your exit entitlement will not be impacted.
This helps reduce uncertainty while still offering flexibility.
Can I change my mind?
Yes. The Freedom Plan includes Keyton’s Change Your Mind Guarantee.
If you choose to leave within the first six months:
- Keyton will buy back your home
- No management fee will apply
- You will only pay fair market rent and service fees for the time you lived in the village, accelerated wear and tear and deliberate damage (if any)
There is also a cooling-off period between 7 to 10 business days (depending on the state) after signing your plan.
How is it different to other plans?
We offer three different contract options to move into one of our retirement communities to give you choice when deciding how to buy your new home. The power is in your hands to enjoy retirement exactly the way you want it.
It’s always a good idea to chat with a financial adviser before making any big decisions about your retirement plan.
➡️Read our blog about finding the right financial advice for retirees.
Want to find out more about village life?
Everyone’s retirement journey is different. For Helen, Satya, Kate and Bert – four of the 16,000 residents who call a Keyton village home – making the move to a village was life changing.
They’ve shared their stories about what led them to take the leap, how they found their feet and why they now call their Keyton village the best move they ever made.
➡️ Take a look at how they made retirement living their own.
The information contained in this article is general in nature and subject to change following its publication. It does not explain all contractual terms and conditions and is not specific to you and your circumstances. Contract Plans vary across villages and some contract Plans may not be available at some villages or for some homes. We do not accept any liability for (a) any loss or damage which may be suffered by you or any other person who relies whether wholly or in part upon this article; and (b) any errors, misstatements or misrepresentations in or omissions from this article. It is not intended to be a legal or financial advice. You should seek your own independent legal and financial advice before entering into any of our contracts.
For more information about the lifestyle and support offered at our retirement villages, call our customer service team on 1800 550 550 or send us an email here.
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