Nationwide locations. Premium villages. Attractive returns.

Stable capital, steady income. Invest with us - a proven track record.


Our goal: to deliver a steady attractive income return, by lending to carefully selected retirement assets.

Applying the management team experience and involvement in villages throughout the country, Senior Trust carefully selects the Retirement Villages and Aged Care facilities the Income Generator lends to through mortgage secured loans.

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Specialist Expertise

We lend exclusively to the senior living sector, responding to New Zealand's surging demand for quality retirement village housing. We've been deeply involved in this sector since 1998 and have a strong track record helping investors enjoy attractive returns from previous retirement village investment offerings throughout the country. 
Applying this extensive management team experience and involvement, Senior Trust carefully selects quality retirement villages and aged care facilities, that our Income Generator lends to through mortgage secured loans. 

Income Generator - A proven investment strategy

Utilising over two decades of experience delivering reliable returns. This is how it works:


Investors entrust their capital with Senior Trust.


Strict lending criteria used, to select premium villages to fund.


Lending approved and secured by brick and mortar mortgages.


Interest earned on lending return.


Income paid to investors or reinvested to earn compounding returns.

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The Manager - Senior Trust Management Ltd (STML)


Flexible investment duration

Our investors want a steady income and stable capital value throughout a medium-term investment. Many have been investing in the retirement sector for years and have reached a life stage when they may need cash to cover unforeseen events.

Our funded buy back arrangement, offers a potential exit option for investors who need to cash in some or all of their investment, with a minimum of 30 days’ notice. No need to wait for another buyer.

To encourage enduring investment, fees will be charged on shares bought back in the first three years of investment. Click below for more information:


Our lending policy

Strict lending criteria developed over the past two decades, protects our investors’ returns, while contributing to quality senior living housing stock.

75% limit

Our conservative approach limits lending to any one retirement village to a maximum of 75% of the independent registered valuation.

Committed borrowers

We select only capable, experienced operators with a substantial financial commitment to their village.

Proven demographic demand

Our extensive due diligence ensures the location of the property shows proven demographic demand.


Protection of investor return is paramount – we offer the security and tangibility of brick & mortar investment.

We have the ability to provide continuity of funding long-term. If you have a lending requirement and fit this criteria, please get in touch to discuss.


Management team - performance track record


Already invested?


Already invested?

For those who already experience first-hand our track record of clockwork returns, you may wish to increase or reinvest these returns to see your passive income work even harder.

Legacy plan

For the continued success of your investment, you may want to talk about how to provide for the ongoing benefit for your family.

To discuss these or any other queries you may have, please get in touch to discuss.

Our lending portfolio

Lending to high quality aged care and retirement villages, in demographically-driven locations from Kerikeri to Clyde.

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“A solicitor invested with Vision Senior Living in the 1990s and suggested we do too so we’ve been with Senior Trust from the start and all that time have known them to be an honest guardian of our funds. We have confidence in the transparent management and approve the conditions that determine which developments the Trust puts funds into.” 

Theresa and William, Bay of Plenty

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