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 Growth Plan explained
Monday, 18 May 2026
Like to know where you stand? Our Growth Plan is a clear, no surprises approach to retirement living that puts you in control.
Growth Plan: sharing in future value, with confidence
Choosing a retirement living plan is about understanding your options and finding the right plan for you. The Growth Plan at our select leasehold villages is designed for those who want the opportunity to benefit from their home’s capital growth over time together with us; you grow and we grow together.
This overview explains how the Growth 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 Growth Plan?
The Growth Plan is one of Keyton’s contract options that allows you pay upfront with a clear, straightforward contract that gives you certainty of the management fee from day one.
You pay the property price and management fee upfront and enjoy your home, community and village amenities for as long as you choose with no management fee to pay at exit. The Growth Plan gives you the opportunity to share in your home’s capital growth when it is resold, while paying a lower management fee overall.
Why some people choose the Growth Plan
Before we get into the finer details, it is helpful to understand why some people choose to go for the Growth Plan. For many people, retirement is about long‑term value as well as day‑to‑day enjoyment. Some residents like the idea of sharing in future gains, particularly if they plan to stay in their home for a number of years.
The Growth Plan is often chosen by those who value:
✅ A lower upfront management fee
✅ The opportunity to share in future capital growth
✅ A longer‑term perspective on retirement living
It’s about balancing certainty today with potential value tomorrow.
Sounds good doesn't it? Let's take a look in more detail.
How it all works
Fees at entry
Under the Growth Plan, you are required to pay a property price for your new home, $5000 establishment fee and the management fee which is:
- payable upfront when you move in
- capped at 25% of the property price
Under this contract option, a lower management fee is paid upfront instead of a higher management fee at exit (assuming you stay for a number of years).
What happens with capital growth?
With the Growth Plan:
- If your home sells for more than you paid, you receive 50% of the capital growth
- If your home sells for less than you paid, you are protected by the No Capital Loss Guarantee, so you won’t incur a loss
This shared‑growth approach allows residents to participate in future value, while still offering protection against downside risk.
What ongoing costs apply while you live in the village?
As with all Keyton plans, residents pay a monthly service fee. This contributes to the ongoing operation and upkeep of the village and supports the lifestyle you enjoy.
Service fees typically cover:
- Village management and support staff
- Maintenance of shared facilities 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 Growth Plan:
Keyton offers a guaranteed buyback within 18 months after vacant possession subject to terms and conditions, unless an earlier buyback is required by state specific legislation.
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.
- Reinstatement costs are estimated at 1% of the resale price, unless you agree with us to renovate or upgrade your home for resale.
- The cost of marketing and selling your home is currently estimated at 1.25% of the resale price, except for Queensland leasehold where it is not charged.
Are there any exit fees?
There is no management fee payable when you leave. That’s one of the biggest advantages of the Growth Plan. You’ve already paid the management fee upfront, so there are no surprises later.
Can I change my mind?
Yes. The Growth Plan includes Keyton’s Change Of Mind Guarantee.
If you leave within the first six months:
- Keyton will buy back your home
- Upfront management fee will be refunded
- 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.
Is the Growth Plan right for me?
The Growth Plan is usually selected by people who like to have the management fee sorted from the get go and avoid exit fees. They’ll pay the big cost upfront, so there are no surprises later and if their home goes up in value, they will share in that gain (50%).
People who’d prefer not to cover selling costs when they leave, like a lower upfront cost, want to leave a fixed, known amount to their estate, usually consider another contract type.
How is it different to other plans?
We offer three different ways to move into one of our retirement communities to give you choice when deciding how to buy your new home.
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.
A thoughtful approach to long‑term value
The Growth Plan is designed for people who want to balance lifestyle, certainty of the management fee and the opportunity to share in future value, and be supported every step of the way.
If you’d like to explore how the Growth Plan compares with other options, our team is always here to help you talk it through.
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.
If you think your family or friends might enjoy this article, please share it with them.
