FAQ's

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    • Living in a retirement apartment is no different from living in any other apartment block. Your home is your own and you decorate and furnish it as you wish. You can have family and friends to come and stay and you will have to do your own washing up.

       

      Retirement Development is a collection...

       

      Put very simply, a retirement development is a collection of individual homes in a secure or gated environment with a number of communal facilities.  They are usually purpose-built apartment blocks, which typically include 20 – 50 individual properties. Most retirement developments are built close to leisure, transport and shopping facilities.

       

      The individual homes...

       

      The individual homes within a retirement development are usually, but not exclusively, one or two bedroomed apartments. They each have their own front door, modern kitchens and bathrooms and in most cases have access to landscaped communal gardens. Within each development, there is usually an Owners’ Lounge where residents can get together and socialise.

    • Retirement developments or apartment complexes are essentially apartment blocks for independent individuals who just happen to be over 60 but so many people still seem to confuse retirement living with care homes or nursing homes.

       

      The differences are:

       

      Care homes for the elderly, what we used to know as 'old people’s homes', are facilities where a number of older people live together. The residents usually live in single rooms with en-suite facilities much like a larger hotel room. As residents of care homes often have greater medical needs most homes have on-site care services.


      Care homes range in size from small family businesses for 3 or 4 residents to large complexes with 100 or more.  In care homes all meals are provided, either in residents’ own rooms or in the dining room, and communal facilities will usually include lounges, activity rooms, and a garden area.


      Nursing homes provide the same facilities and personal care as a care home but also have a qualified nurse on duty 24 hours a day to carry out nursing tasks. These homes are for people who are physically or mentally frail or people who need regular attention from a nurse.

    • In nearly all of our developments you will find an Owner’s Lounge, a Laundry Room, landscape gardens, car parking facilities and a Guest Suite.

    • Once you have bought your apartment the only costs you will have to pay to live in the apartment are your own weekly bills (food, electricity, telephone etc) and a monthly service charge which covers  the cost of providing the Lodge Manager, security systems and call monitoring, external maintenance of the building and grounds, buildings insurance, heating and lighting of the Owners' Lounge and communal areas. Your water rates are also included in the service charge - together with all electricity used in the Laundry Room for washing and drying.

    • The apartment Owner, or at least one of the people living in the apartment, must be aged over 60 with the partner being 55+. However, local Councils are usually very flexible when it comes to considering those with disabilities.

    • Simply visit a Churchill development of your choice. Choose the apartment which suits your own individual needs and reserve with a £1,000 deposit (50% is refundable in the event of a cancellation). The purchase then proceeds exactly the same as any other property purchase.

       

      We will ask you to exchange contracts  once your Solicitors have satisfied themselves that the lease and local searches have been properly scrutinised. Final completion usually takes place a short time after exchange.

       

      Your local Churchill Retirement Living Sales Consultant will be happy to help you through the apartment purchase process. We aim to make this as simple and easy as possible.

    • Yes. All Churchill Retirement Living apartments are sold on a 125 year lease and you are free to choose to sell the apartment whenever you like.

    • As is common with all apartment buildings, Churchill Retirement Living apartments are sold on a 125 year lease.

    • Yes, you can sell your apartment at any time on the open market or through our Management Company,Millstream Management Services. The apartment is owned by you and you do not need to ask permission to sell it.

       

      You will have no transfer (exit) fee to pay as Churchill Retirement Living does not charge this fee.

    • The apartment will become an asset owned by your estate. It will pass to whoever it was bequeathed to in your will. They are free to sell it as soon as Probate is granted.

    • Yes. Anyone can own one of our apartments but only those over 60, or partners of those over 60 who themselves are over 55, can live in the apartment.

    • Yes, on appropriate properties we are happy to consider Part Exchange. Please contact the Sales Consultant at the development of your choice who will be happy to explain our Part Exchange policy in more detail.

    • Yes, there are mortgage products available to help you buy one of our apartments. The Sales Consultant will be able to give you more details.

    • Yes, you can rent out your apartment.  Your tenants must be over 60 years old and you must get permission from the Management Company, Millstream Management Services.

    • You will still be responsible for the service charge and ground rent on the apartment.  You will also incur a contingency fee of 1% of the market value of your apartment at that time.

    • Yes. Churchill Retirement Living staff will be delighted to help you arrange removals - we can help you with the purchasing and installation of carpets, curtains (and even new furniture if required).

    • Yes there is a service charge for each of our apartments. The service charge covers the cost of providing the Lodge Manager, security systems and call monitoring, external maintenance of the building and grounds, heating and lighting of the Owners' Lounge and communal areas.

      Your water rates are also included in the service charge - together with all electricity used in the Laundry Room for washing and drying. A full budget analysis is available for each individual site and we aim to keep the cost as low as possible.

    • As with any property, you have to pay your local Council Tax - within the band allocated by the local council. Additionally, you will have to pay for the electricity you use in your own apartment.

      You will have to pay for your own TV licence. However, a TV licence is free for those over 75, but has to be applied for.

      There are no other hidden day-to-day charges to pay.

    • Repairs to the fabric of the building, the communal areas, the safety and security systems (including those inside your apartment) and the garden are all covered by the service charge and will be taken care of by the Management Company, Millstream Management Services

    • Yes. Churchill Retirement Living is a member of the National House-Building Council and every Churchill apartment is covered by a 10 year NHBC build mark warranty.

    • As with any property, you have to pay your local Council Tax - within the band allocated by the local council. Additionally, you will have to pay for the electricity you use in your own apartment.

      You will have to pay for your own TV licence. However, a TV licence is free for those over 75 but has to be applied for.

      There are no other hidden day-to-day charges to pay.

    • Buildings Insurance is covered by the service charge, however you will need to take out your own Contents Insurance.  Because of the Safety and Security of our buildings, Contents Insurance premiums are typically much lower than offered to those living in their own houses.

    • All developments are fitted with a video door entry system operated via your television set, intruder alarms in all ground floor apartments, fire detection equipment, a 24 hour care and support system and a Lodge Manager, who is responsible for the effective and smooth running of all our developments.

    • Yes,  as long as they do not interfere with the integral system of the Lodge. If you choose to install additional features you will have to cover the cost of these and their installation.

    • We do not provide on-site care but a 24 hour emergency Careline system is provided via a discreet personal pendant alarm and bathroom call point.

      In an emergency this system provides direct contact to either your Lodge Manager, when on duty, or a member of the Careline team 24 hours a day, 365 days a year.

    • Camera entry system

      A camera entry system is installed and can be operated via a standard TV set from your apartment.

       

      Intruder alarm

      An intruder alarm is fitted to the front door of every apartment. Apartments on the ground floor have sensors fitted throughout the apartment.

       

      Detection system

      Sophisticated fire and smoke detection systems are fitted in all apartments and throughout the communal areas in the development.

    • We don’t believe you will need to but you can as long as they do not interfere with the integral security systems of the Lodge. If you choose to install additional security features you will have to cover the cost of these and their installation.

    • There is a Lodge Manager at every development. The Lodge Manager is responsible for the effective and smooth running of our developments.

      You'll find them a great help, from answering day to day queries to keeping an eye on your apartment if you go away, providing you with peace of mind for Safe and Secure retirement living.

    • We have included a full background to the Company in our Corporate Information section. Please click hereto read all about Churchill Retirement Living, how we began, what we believe in and the awards we have won.

    • Churchill Retirement Living is a privately owned British Company. It is run by a Board of Directors led by the brothers who founded the Company, Spencer and Clinton McCarthy.

    • Churchill Retirement Living is a registered builder with the National House-Building Council (NHBC). Every Churchill apartment has a 10 year NHBC build mark warranty. Individual Sales Consultants will be delighted to give you full details.

    • If you would like to find out more about the Company than is provided on the website, please call 0800 458 1856 and we will be delighted to answer any of your questions.

    • For men born before 6 December 1953, the current State Pension age is 65.
      For women, the current State Pension age increased from 60 to 65 from April 2010.

      This affects women born on or after 6 April 1950.

      You cannot claim the State Pension until you reach this age but can retire if you have a personal or company pension scheme.

    • For women, the current State Pension age increased from 60 to 65 in April 2010. This means that women born on or after 6 April 1950 cannot retire until they are 65.

    • For men born before 6 December 1953, the current State Pension age is 65.

      For women, the current State Pension age increased from 60 to 65 from April 2010. This affects women born on or after 6 April 1950

      From December 2018 the State Pension age for both men and women will start to increase to reach 66 in October 2020.

      The current law already provides for the State Pension age for both men and women to increase to:

      • 67 between 2034 and 2036
      • 68 between 2044 and 2046
    • State Pension age, or statutory retirement age, in the UK is not the same as retirement age. Retirement age is when you choose to retire and you can still work after you have reached State Pension age.


      When you reach State Pension age, the Government gives you a number of options. You can either:

      • stop working and get your State Pension
      • carry on working and get your State Pension as well
      • carry on working and put off claiming your State Pension

      If you put off claiming your State Pension, you may be able to get extra State Pension or a lump-sum payment when you do claim it.

    • At present (2011-12) the basic State Pension for a single person is £102.15 per week.

    • Who tells the Government that I have retired?

      You have to tell the Department of Work and Pensions that you have retired and that you wish to claim your State Pension.


      You can contact the Pensions Service at the Department of Work and Pensions on 08456 060 265 or go towww.direct.gov.uk

    • You can contact the Pensions Service at the Department of Work and Pensions on 08456 060 265 or go towww.direct.gov.uk

    • There are now lots of magazines and websites aimed at those in their retirement. The magazines are available at most large newsagents and the websites can be found through internet searches. 

      If you would like a copy of our own magazine, Retirement Living, click here and we can send you a copy.