Oupa is a trusted resource for the decisions and possibilities that come with this chapter of life. We bring together information, guidance, and structured tools to help people make clearer, more confident decisions — about home, retirement, health, and what the next chapter looks like.
Oupa Home is the first step in something larger. It starts with the Stay or Move decision tool — a free, private assessment that helps you think through whether to stay in your home, modify it, or move. Behind the tool is a framework built on real estate expertise, environmental health knowledge, and clinical insight that no general advice service can replicate.
Oupa does not tell you what to do. It gives you the clearest possible picture so the decision stays yours.
Oupa is for anyone thinking seriously about the decisions that come with this chapter of life — where to live, how to plan ahead, what retirement looks like, and what comes next. That includes people in their 60s planning ahead while they have time and options, people navigating an unexpected change in health or circumstances, and adult children thinking through these decisions with or for a parent.
If you are asking questions about home, independence, and the next chapter — Oupa is built for you.
Yes. The Stay or Move assessment is completely free. There is no subscription, no credit card, and no account required. You answer 15 questions and receive your report by email at no cost.
No. You do not need to create an account to take the assessment or receive your report. You only need to provide your email address so we can send your results.
After completing the assessment you receive a personalised report by email. The report shows how your situation looks across five areas — safety, affordability, support, lifestyle, and health — identifies the areas that deserve most attention, and gives you a clearer picture to think through whether staying, modifying, or moving makes most sense for you.
Your answers are used to create your report. We do not sell your information. We do not share it with third parties without your permission.
Oupa offers a free assessment as its starting point. Revenue comes from paid services — including a comprehensive home safety and environmental health evaluation for those who want a deeper, professional analysis of their home and its impact on their wellbeing.
We may also earn referral fees from contractors and service providers we recommend — these are always disclosed. We never take referral fees from senior care facilities. Our only interest is giving you a clear picture.
The most important factors to assess are: whether you can move through the home safely without stairs creating a daily barrier, whether the bathroom is accessible and fall risks have been addressed, whether the home can be modified if mobility changes, and whether you have reliable support nearby if something goes wrong.
Beyond physical safety, the home environment itself matters — air quality, water quality, light, and the presence of toxins or mould have a meaningful impact on long-term health and cognitive wellbeing.
Oupa's free assessment gives you a directional picture across five areas including safety and health. For a thorough evaluation of both — including professional testing of your home environment and a detailed safety analysis — Oupa's comprehensive home safety and environmental health assessment goes significantly deeper and gives you a complete picture of how your home is working for you.
Common signs include: increasing difficulty managing the home physically or financially, growing isolation from family, friends, or services, safety concerns that would be expensive or impractical to address, a home that no longer fits how you want to live, and a sense that the location no longer works for your life.
None of these signs means you must move — but they are worth taking seriously and thinking through clearly before a crisis forces the decision.
Earlier than most people do. The best housing decisions are made before a health event, a financial change, or a family crisis creates urgency. Starting to think clearly about this in your early to mid 60s — when you have time, options, and energy — gives you the most control over the outcome.
A free assessment like Oupa's takes 15 minutes and gives you a starting point without any commitment.
The most effective conversations start with curiosity rather than conclusions. Ask what matters most to them — independence, staying in a familiar place, being closer to family, or something else entirely. Avoid framing the conversation as a problem to solve. Share what you've noticed without making it feel like an accusation.
A structured tool like Oupa's assessment can help — taking it together gives both of you a neutral framework to discuss, rather than relying on competing opinions and emotions alone.
The right financial pathway depends on your situation. For homeowners with equity, options include a Home Equity Line of Credit (HELOC), a Home Equity Conversion Mortgage (HECM or reverse mortgage) for those 62 and older, and shared equity arrangements that allow you to sell a share of your home's future value in exchange for a lump sum today, without taking on debt.
For homeowners whose home is fully paid off, a HELOC or shared equity arrangement can fund modifications or ongoing costs without requiring a new mortgage. Many states also offer property tax deferral programmes specifically for older homeowners.
A fiduciary financial advisor can help you identify which pathway suits your specific situation. Oupa will cover these options in more depth in future guides.