Latest Finance Options for Buying a Park Home, Lodge or Static Caravan in 2025
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Whether you’re a private owner or park operator, our listings offer maximum exposure, fast results, and are tailored for the UK’s park home and holiday park market — helping you reach more customers quickly and easily.
Understanding the Finance Landscape in 2025
The dream of owning a park home or lodge continues to attract tens of thousands of UK buyers every year. Yet with rising interest rates, the market has shifted dramatically. Affordability and accessibility are now central to every buying decision, and understanding your finance options is key to securing the best deal.
Over the past 24 months, the Bank of England’s base rate increases have impacted both traditional mortgages and specialist park home lending. Because park homes and static caravans are not always classed as “bricks and mortar”, buyers often need to explore specialist finance products that are tailored to the leisure and park sector.
How Interest Rates Have Reshaped the Market
The average interest rate for park home loans has risen from around 6.9% to over 9% in some cases. This has cooled parts of the market, particularly for first-time lodge and static caravan buyers. However, with fewer speculative purchases, the market is stabilizing and returning to genuine, lifestyle-led ownership — a trend many park operators welcome.
Buyers today are focusing on long-term affordability rather than rapid resale. Many lenders now offer fixed-rate plans that protect customers from future rate increases.
Specialist Park Home & Lodge Finance Providers
Because park homes and caravans are not registered with the Land Registry, traditional mortgages rarely apply. Instead, buyers turn to specialist lenders such as:
- Pegasus Finance – offering flexible loan terms and fast approvals.
- Black Horse Finance – supporting new and pre-owned caravan and lodge purchases.
- Park Home Assist Finance – focusing on permanent residential homes and holiday properties.
- Sure Finance and Hitachi Personal Finance – increasingly active in the leisure sector.
These lenders work closely with parks, manufacturers, and brokers to verify valuations and ensure compliance with BS3632 and EN1647 construction standards.
Manufacturer and Park-Backed Finance Schemes
A growing number of manufacturers, including Omar Group, Prestige Homeseeker, Willerby, Swift, and ABI, now offer direct or partner-linked finance. Many holiday parks have also introduced deposit-assist or part-exchange programs, enabling buyers to upgrade without full upfront payments.
Developers are adopting rent-to-own and shared ownership models, especially for eco-lodges and glamping units — an emerging trend driven by younger demographics entering the sector.
Flexible Ownership and Hire Purchase Options
Hire purchase and leasing models have become popular alternatives for those purchasing static caravans or motorhomes. Buyers can spread payments over 5–10 years, with end-of-term upgrade options available.
For high-value lodges and twin-units, secured personal loans (using home equity or savings as collateral) remain common, while joint ownership structures allow families or friends to share usage and costs.
Tips for Financing Your Park Home or Lodge in 2025
- Work with approved lenders familiar with park licensing and model standards.
- Check park agreements — ensure your site license allows residential or holiday usage.
- Secure fixed-rate terms for predictable repayments.
- Review insurance and maintenance costs as part of your monthly budget.
- Ask about part-exchange or finance through your chosen park or manufacturer.
Industry Outlook: Steady, Sustainable Growth
While borrowing costs remain higher than in pre-pandemic years, the park home and holiday park market remains resilient. Buyers are seeking lifestyle change, long-term value, and lower maintenance costs compared to traditional homes.
Analysts predict a gradual recovery through late 2025 as inflation stabilizes and specialist finance providers adapt with new, consumer-friendly packages.
Golden Links – Explore, Buy, or Sell Today
- Sell your park home or lodge
- Buy a new or pre-owned caravan or holiday lodge
- Advertise your park or land for sale
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About PHHPA Parks, Properties & Suppliers Directory
The Park Home and Holiday Park Association (PHHPA) was founded in 2021 to support and elevate park operators, owners, and suppliers across the UK’s thriving leisure and residential park industry.
As part of our mission to serve the sector, we’ve launched the PHHPA Parks, Properties & Suppliers Directory, a dedicated, high-visibility platform where anyone can list and promote:
- Parks for Sale – complete residential, holiday, and leisure parks.
- Properties for Sale – park homes, lodges, static caravans, touring caravans, and motorhomes.
- Suppliers – products and services for the UK park industry.
