Our Growth Plan explained
Like to know where you stand? Our Growth Plan is a clear, no surprises approach to retirement living that puts you in control.
Our Guarantee Plan explained
Monday, 18 May 2026
With your property price and bond payment returned when you leave, our Guarantee Plan keeps things simple and stress free.
Guarantee Plan: certainty and simplicity, with peace of mind
Choosing a retirement living plan is about feeling secure in your decisions, both today and into the future. The Guarantee Plan at our select leasehold villages is designed for people who value clarity, certainty and simplicity, with no management fees and a clear understanding of what you’ll receive when you leave.
This overview explains how the Guarantee 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 Guarantee Plan?
How it all works
Is the Guarantee Plan right for me?
What is the Guarantee Plan?
The Guarantee Plan is a retirement living contract that offers complete certainty around fees. Unlike other plans, there is no management fee at any time.
Instead, when you move in, you pay:
- The property price,
- A fully refundable bond
- A one-off establishment fee
When you leave, your original property price and bond are returned to you, subject to terms and conditions under your contract.
Why some people choose the Guarantee Plan
For some people, retirement planning is about removing complexity and knowing exactly where they stand. The Guarantee Plan is often chosen by those who prefer a straightforward arrangement with everything dealt with when you move in.
It is often chosen by people who value:
- No management fee, now or in the future
- Certainty about their exit entitlement when they leave
- A simple, easy‑to‑understand plan structure
It’s about enjoying village life with confidence, knowing the financial details are clearly defined from the start.
Let's take a closer look!
How it all works
Fees at entry
Under the Guarantee Plan, you are required to pay:
- The property price
- A full refundable bond at 35% of the property price
- A one-off establishment fee at 3.5% of the total of the property price and bond.
There is no management fee, regardless of how long you stay. This structure removes uncertainty around future fees and provides clarity for long‑term planning.
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 everyday running of the village and helps maintain the environment and services 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 Guarantee Plan:
- Keyton offers a guaranteed buyback within 60 days after vacant possession, subject to terms and conditions.
- Monthly service fees stop upon your vacant possession.
- 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 Guarantee Plan:
- Capital growth 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.
Your exit entitlement is defined upfront, providing certainty regardless of market conditions.
Can I change my mind?
Yes. The Guarantee Plan includes Keyton’s Change Your Mind Guarantee within 60 days after vacant possession, subject to terms and conditions..
There is also a 7-10 business day cooling‑off period after signing your plan.
Is the Guarantee Plan right for me?
The Guarantee Plan may suit you if you:
- Value certainty and simplicity
- Prefer knowing exactly what you’ll receive back when you leave
- Want to avoid management fees altogether
- Are comfortable paying a refundable bond upfront
Because everyone’s circumstances are different, Keyton recommends seeking independent legal and financial advice before making a decision.
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.
Here’s a quick look at how the Guarantee Plan compares:
It’s always a good idea to chat with a financial adviser before making any big decisions about your retirement plann. While our friendly team is always here to help explain your options, speaking with a trusted solicitor and financial advisor is strongly recommended.
➡️Read our blog about finding the right financial advice for retirees.
A clear and confident way forward
The Guarantee Plan is designed to offer reassurance at every stage, with simple terms, clear outcomes and the confidence that comes from knowing what to expect.
If you’d like to explore how the Guarantee Plan compares with other options, our team is always here to help 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.
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