Holiday Home Finance Specialists

Sure Finance specialises in static caravan and lodge finance. As one of the UK’s leading credit brokers in the leisure sector, we offer competitive rates starting from just 6.5% APR, flexible repayment terms up to 20 years, and absolutely no deposit required.

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Specialist Holiday Home Financing Solutions

Sure Finance is recognised as one of the UK’s leading holiday home credit brokers, specialising in loans and finance for static caravans and holiday lodges. Offering flexible options from £10,000 with rates starting at 6.5% APR, we provide tailored solutions to suit homeowners looking to purchase their dream holiday home — with no deposit necessary.

Our expert team facilitates a straight-forward process with same-day decisions in principle, whether you are purchasing a new or pre-owned model from a holiday park, commercial retailer, or private seller. Our flexible lending options offer competitive interest rates with repayment terms spread over 10, 15, or up to 20 years, making your purchase more affordable.

To discover your tailored borrowing choices today, simply complete our short online application form and a dedicated member of our team will call you back at a time that suits you.

FAQ’s

Discover more in our FAQs below to find the ideal finance solution for your holiday lodge or static caravan. Whether you’re buying a new lodge or a pre-loved caravan, our secured loans offer flexible terms, competitive rates, and no deposit requirements—making it simple to secure your dream holiday home.

Can I get a decision on the same day?

Yes, absolutely. In most cases, customers receive an offer in principle on the same day. We understand that time is of the essence when you’re looking to secure a lodge or static caravan. Simply complete our short application form and member of our team will get in touch to discuss your options.

How much can I borrow?

We can arrange leisure finance options starting from as little as £10,000, with the flexibility to extend up to a maximum limit of £500,000, depending on your needs. Whether you’re purchasing a luxury double lodge with wrap-around decking and a hot tub, or a well-maintained, pre-loved static caravan, we can provide loans to cover the entire cost without requiring an upfront deposit.

How quickly will I receive my loan?

Once you get your offer in principle—often on the same day you enquire—funds are usually deposited within 2 to 4 weeks. The exact timing depends on the lender, how complex your application is, and how quickly you provide any required documents. We’ll do everything we can to make the process smooth and hassle-free.

Do I need to be a homeowner to apply for lodge or static caravan finance?

Yes – our secured loans are specifically for homeowners, which allows us to access lower rates and longer repayment terms than would otherwise be available. If you’re not currently a homeowner, unfortunately, we won’t be able to assist with this particular credit product.

Is a deposit required for lodge or static caravan finance?

No, a deposit is not required for our finance options. This means you can get started with your lodge or static caravan loan right away, helping you secure the holiday home you want without worrying about saving for a deposit first.

Am I restricted to where I can buy my holiday home?

No. You can purchase your new or used static caravan or holiday lodge from just about anywhere, whether it’s from a holiday park, a private seller, or even an online marketplace. Our specialist lending panel does not impose restrictions on where or from whom you can buy, so you can focus on finding the perfect holiday home that suits your needs.

What is a soft credit search?

A soft search is a unique type of search that will not leave a negative imprint on your credit report and, most importantly, has absolutely no impact on your credit score. It simply indicates which lenders on our panel are available to you and at what rates. If you want to know which product is most suited to you, simply complete our online form and a member of our team will get in touch.

Can I get finance even with a poor credit history?

Yes, you can. While some lenders view a poor or adverse credit history as a red flag, that’s not the case for us. We understand that no two customers’ circumstances are the same. That’s why we offer a range of finance products and loan deals for lodge finance and static caravan finance that are designed to match everyone’s needs and financial situations. We work with lenders who are flexible and willing to consider various credit profiles, so you still have options even if your credit history isn’t perfect.

Can I sublet my holiday lodge or static caravan?

Owning a holiday home comes with ongoing annual costs, such as site fees, insurance and maintenance. Many owners let out their caravan or lodge for a few weeks over the peak summer season to help offset these running costs.

However, there are two important things to keep in mind:

• Lender affordability: When assessing your application, lenders base affordability on your verified income. Potential rental income is not taken into account.
• Park rules: Every holiday park has its own rules on subletting. Always check your pitch agreement with the park operator before you go ahead.

Subletting can help with your running costs, but make sure your monthly loan repayments are comfortably affordable from your household income alone.

Can I repay my lodge finance or static caravan loan early?

Yes, you can pay off your loan early if you wish. Many of our lenders offer flexible options that allow you to settle your finance agreement ahead of schedule, potentially saving you money on interest. However, it’s always advisable to check if there are any early repayment fees attached before making the final decision. We can provide full details on any conditions related to early repayment, ensuring you’re fully informed before proceeding.

Do you still offer Hire Purchase?

Until recently, we offered Hire Purchase (HP) agreements for holiday lodges and static caravans. However, after evaluating factors like higher interest rates, short repayment terms, and feedback from our customers, we decided to focus solely on secured loans.

Secured loans often provide lower rates, longer repayment terms, and greater flexibility, making them a more suitable option for many customers looking to buy lodge or static caravan.

What hidden costs should I consider before financing a holiday home?

When calculating your monthly finance affordability, always ensure you have factored in annual pitch fees, council tax/rates (if applicable), gas and electricity costs, and winterisation maintenance. Failing to account for these external park costs is a common pitfall for new buyers.

To help you understand the costs involved in owning a holiday lodge or static caravan, read our guide: Can I Afford a Lodge or Static Caravan?

Are you a member of the National Caravan Council (NCC)?

Sure Finance is proud to be a full member of the National Caravan Council (NCC), the UK’s leading trade body for the touring and parks industry. This membership reflects our commitment to meeting strict industry standards and providing professional, trustworthy service. Alongside our FCA regulation, it gives you peace of mind when choosing us for finance on your holiday home, lodge, or static caravan.

Do you also arrange finance for motorhomes and campervans?

Sure Leisure Finance specialises in static caravans and holiday lodges. If you’re buying a motorhome, campervan or touring caravan, our sister site specialises in exactly that. Visit Sure Auto Finance to find out more.

How can I get in touch?

If you’d like to find out more about our finance to purchase a lodge or static caravan finance, simply Apply Now. You’ll choose a day and time that suits you, and one of our team will call you back to talk through your options.

Written by David Clelland, Managing Director, Sure Finance