Certainty over your future, no matter what it holds

Our unique model of care and funding gives you peace of mind and confidence over your wellbeing and care—now and in the future.


Glengara Care Apartments set a new standard, creating a beautiful home with quality support.

Traditional nursing home/residential aged care

Glengara Care Apartments

Private space: a home with a bathroom, lounge, kitchenette and outdoor space

Suitable for couples with both or one needing higher care

Family and friends welcome to stay

Pets welcome

ACAT not required

Funding your home and care

1. Property transaction


  • your care apartment transaction
  • general community services
  • base care services

Ingoing contribution includes approximately 200 hours of care services that establishes a care savings account + Ongoing recurrent charges

2. Care transaction

Includes services such as:

  • cleaning
  • support
  • personal care
  • activities

Care savings account periodic top-up contribution (weekly, fortnightly or monthly)

Find out how funding works.

There are three financial stages
during your time at Glengara Care

Ingoing contribution

You make your ingoing contribution before moving into your new home to establish your care savings account.

This account includes 200 hours of care, then is topped up with ongoing deposits.

Ongoing contributions

Recurrent charges cover the cost of general services and care

Base care services

  • Two hours of personal care per week
  • Care manager
  • Registered nurses
  • Experienced care staff
  • Lifestyle coordinator

General services

  • Running costs and repairs
  • Administration
  • Maintaining shared community facilities


  • Breakfast pack
  • Lunch and dinner prepared by chefs

Periodic contribution to care savings account

Every resident is required to top-up their care savings account on a periodic basis—you can choose weekly, fortnightly or monthly.

Your care savings account supports you to access higher levels of care when you need it. Whatever you don’t use is refunded when leave Glengara Care.

Departure fee

You’ll be refunded your ingoing contribution, less your departure fee and other exit costs.

The departure fee accrues during your first three years living in the Glengara community and is capped at 35% of the ingoing contribution.

You’ll be certain of the maximum fee you’ll pay based on the amount of time you spend in your care apartment.


Exit entitlement

Your exit entitlement will be paid to you when your apartment is sold or bought back by RetireAustralia.

All funds remaining in your care savings account will be refunded to you.

Frequently asked questions

A care savings account is an account established in your name and managed by Capital Guardians, the custodian. Your initial deposit and periodic top-up deposits are held in the care savings account and then used to pay your care costs. Your care costs represent the best possible hourly rate for care services that RetireAustralia can provide.

The benefits of having a care savings account include:

  • assurance that your care costs are at an hourly rate that is calculated on a cost recovery basis
  • RetireAustralia has committed to keeping rates low for your contract duration
  • time is billed in 15-minute increments, compared to most other providers which charge in 30-minute increments. This results in a more favorable invoicing outcome for you.

RetireAustralia does not intend to derive profit from the delivery of care services to you.

A care savings account will help you to meet your care needs today and into the future.

Approximately 200 hours of care are included in your care savings account when you move into your care apartment. In addition, a care savings account top-up will be made periodically with the amount to be determined based on your care needs.

This periodic top-up allows you to accumulate care savings over time and
ensures you have funds to pay for your care services when and should you need it. This money is your money, designed to fund your needs and safeguard your future.

The funds can be used to pay for care services to meet your assessed care needs. The services that can be accessed are the same services that can be accessed through a Home Care Package subsidised by the federal government.

Glengara Care Apartments are affordable for full or part pensioners. Everyone’s financial position is unique. We recommend you talk to us about the options for funding your new home and care.

On average, $250, equates to approximately five hours per week in care services. In RetireAustralia’s experience, this is the average amount of care services required to maintain good health and wellbeing. This is in addition to two hours of care services per week, which is incorporated in your recurrent charges.

  • When you move in, and then at regular intervals, a care assessment is conducted to determine your individual needs and wants.
  • Your care assessment will assist us to determine your top-up contribution into your care savings account.
  • For the majority of residents the weekly contribution will be an average of $250 per week.

Using your care savings account to fund care services from us ensures you receive the best rate on your care services – and the best value for money. Your account
is monitored regularly and you will receive monthly statements. If there is a risk of running a deficit, you will be notified prior to this occurring. Top-up of your care savings account can be arranged with a lump sum contribution or with an increase in your periodic top-up contribution.

You may opt to continue to receive care on a pay-as-you-go arrangement, however hourly service fees are charged at a market rate, and engagement of care will be at your own discretion. In the experience of the RetireAustralia team, residents who access savings supported by ongoing, regular monitoring of support and care needs, are able to manage their health conditions more effectively, leading to improved wellbeing.

RetireAustralia’s obligation is to report to you on your account balance and care costs regularly, and in that process, trigger a conversation about the adequacy of your available funds for future care costs. In short, we will proactively engage with you to minimise the risk that your care savings account will not be sufficient to fund your care needs.

Your care savings account is managed by a third party,
with Capital Guardians. The account is in your name, and you will have online access to view your account transactions.

Withdrawals are only permitted to pay for care services as per the terms and conditions of the care savings agreement.

No. This account is independently managed by Capital Guardians and interest does not accrue on the balance.

Tax implications are best assessed on an individual basis. We recommend seeking the professional services of a financial adviser.

The balance in your care savings account, after all outstanding equipment and care costs are paid, will be refunded in full.
No administration fees apply.

RetireAustralia offers a Consumer Directed Care model. This ensures your preference for a Home Care Package provider is determined by you. Regardless of provider, all Glengara Care Apartment residents must sign up to the care savings agreement and pay the care savings account contributions.

RetireAustralia is an experienced provider of Home Care Package services. The team members providing these services is onsite at Glengara they are part of our community and will be familiar faces. Please carefully consider your provider in terms of cost, increments of fees and flexibility in providing services.

We encourage you to talk to our team and discuss your personal circumstances as Home Care Package funding is applied for on an individual basis. We are an experienced provider of Home Care Packages. The first source of funds is the two hours of base care services in your recurrent charges.

Yes, we understand that partners wish to stay together and encourage that companionship and support. Glengara Care Apartments are designed for couples to be able to stay together. Your ingoing contribution is for the care apartment and then your recurrent charges will be for two residents. A care savings account is opened for each individual.

If RetireAustralia makes the decision that you can no longer safely be cared for at Glengara Care Apartments, RetireAustralia will discuss with you what arrangements are appropriate for your ongoing care. We will work with you to minimise the impact on your financial position as a result of your move to an aged care facility.

We also strongly recommend seeking the services of a financial adviser or legal advice depending on your personal circumstances.

Our team would be happy to refer you to a local professional, just ask us.


Need more information? Talk to one of our friendly team members today.