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I totally get that. And also, how are over 55's going to pay out a 20 year mortgage (if it's an owner occupy). What I don't get is what is the motivation for building them. I understand complexes with various activities etc (though the thought of living there makes my skin crawl) But if...

what's the issue with finance? and if it's hard to finance, why do people build them?

What's the story with over 55's stuff anyway (sorry for the hijack, but related I think). What makes it Over 55's & why do they tend to sell more cheaply than other properties?