Lodge Finance:

Sure Finance is the UK’s number 1 specialist broker for lodge purchase loans, offering competitive rates starting from just 6.5% APR, with repayment terms of up to 20 years. Our flexible financing options range from £10,000 to £1 million, all with no deposit required.

We pride ourselves on delivering a hassle-free application process, including same-day decisions and early repayment options. Whether you’re purchasing a new or pre-owned lodge from a holiday park or a private seller, we’re here to help.

To get started, simply fill out our application form, and one of our finance specialists will contact you to discuss the best options tailored to your needs.

FAQs

Explore our FAQs below to find the perfect finance solution for your holiday lodge. Whether you’re investing in a brand-new lodge or a pre-owned model, our tailored loans provide flexible terms, competitive rates, and no deposit needed—making it easier to own your ideal retreat.

Can I receive a quick decision on lodge finance?

Yes, you can! In most cases, we provide a decision in principle on the same day you apply. We know how important timing is when it comes to securing your holiday lodge, so just complete our brief application form, and one of our specialists will promptly contact you to discuss your financing options.

How long does it take to get finance for a lodge?

We aim to make the process as quick and straightforward as possible. Once your application is approved and you receive an offer in principle—often within the same day—funds are usually released within 2 to 4 weeks. The exact timeframe depends on the lender and how quickly you provide any necessary documents. Our priority is to get everything sorted efficiently, so you can start enjoying your new lodge without delay.

What’s the difference between Hire Purchase and Secured Loans?

Secured Loans
A flexible alternative to Hire Purchase (HP), secured loans offer longer repayment terms—up to 20 years—lower interest rates, and no deposit requirement. This option allows you to own the lodge outright from the start, providing greater financial freedom and flexibility.

Hire Purchase (HP)
Hire Purchase (HP) typically requires a 10-20% deposit and involves fixed monthly repayments over a term of 7 to 10 years. Ownership of the lodge transfers to you only once all payments have been completed.

Please note that being a homeowner is a requirement for both secured loans and Hire Purchase.

What is the maximum amount I can borrow?

Our financing options range from £10,000 to over £1 million, tailored to suit your needs and based on the equity available in your home. There’s no fixed upper limit, giving you the flexibility to secure the funds you require. Whether you’re investing in a luxury double lodge with added decking or a high-quality pre-owned lodge, we can cover the full cost, including extras, without the need for a deposit. Our loans are designed to be adaptable, helping you secure the perfect holiday lodge you’ve always envisioned.

Do I need to be a homeowner to qualify?

Yes, you must be a homeowner to qualify for our lodge finance options. Our loans are designed specifically for homeowners, using your property as security. This structure enables us to offer lower interest rates and longer repayment terms. If you’re not a homeowner, unfortunately, you wouldn’t be eligible for our finance products.

Are secured loans popular for buying lodges?

Yes, secured loans are a very popular choice for lodge purchases and are often preferred over Hire Purchase (HP) agreements. In the past two years, we have arranged four times as many secured loans as HP agreements. This preference is largely due to the advantages secured loans provide, including lower interest rates, longer repayment terms, no deposit requirement, and greater overall flexibility.

Do I need a deposit to secure lodge finance?

No, a deposit is not necessary for our finance agreements. This allows you to proceed with your lodge loan immediately, without the hassle of saving for an upfront payment. You can secure the holiday lodge you’ve been dreaming of without any deposit requirements, making the process simpler and more accessible.

Are there restrictions on where I can buy my lodge?

No, there are no restrictions on where you can purchase your lodge. Whether you’re buying a new or pre-owned lodge from a holiday park, a private seller, or even through an online marketplace, our lending panel offers complete flexibility. This means you have the freedom to choose the ideal holiday home that perfectly suits your needs, with no limitations on where or from whom you buy.

What is a soft credit search?

A soft credit search is a type of credit check that does not leave any mark on your credit report and has no impact on your credit score. It simply helps us determine which lenders are available to you and the rates they can offer for your lodge finance. This way, you can explore your options risk-free. To find out which loan deal suits you best, just fill out our application form, and a team member will reach out to discuss your options.

Can I get finance if I have a poor credit history?

Yes, absolutely. While some lenders may see a poor or adverse credit history as a barrier, we take a more flexible approach. We understand that every customer’s situation is unique, which is why we offer a range of finance options tailored to different financial circumstances. Our network of lenders is open to considering various credit profiles, meaning you can still secure lodge finance even if your credit history is less than perfect.

Can I rent out my lodge?

Yes, you can! Owning a holiday lodge often comes with additional expenses, such as site fees and maintenance costs. To help offset these costs, many owners choose to rent out their lodges for a few weeks each year. The extra income can help cover annual expenses or even contribute towards your monthly lodge finance repayments. However, it’s always a good idea to check with your holiday park for any restrictions on subletting before you proceed.

Can I repay my loan early?

Yes, you can! Many of our lenders provide flexible options that allow you to pay off your finance early, potentially saving you money on interest costs. However, it’s important to check if any early repayment fees apply before deciding to settle your loan ahead of schedule. We’re happy to provide all the details so you can make an informed choice.

Do you still offer Hire Purchase?

No, we no longer offer Hire Purchase (HP). While we previously provided HP options, we decided to discontinue them after considering factors such as higher interest rates, shorter repayment terms, and customer preferences. Based on customer feedback, we chose to focus exclusively on secured loans. Secured loans offer greater flexibility, lower interest rates, and longer repayment periods, making them a more cost-effective and versatile option for customers looking to purchase a lodge.

How do I apply?

If you’d like to make an application for a secured loan, simply fill out our online application form. Once we receive your details, a member of our team will promptly reach out to discuss your options and connect you with a lender that best fits your needs.

Written by David Clelland, Managing Director, Sure Finance