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David
Sure Finance
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About the podcast:
Hosted by David Clelland, this series explores the holiday lodge and static caravan industry through informal conversations with professionals across the sector. From holiday park operators and private holiday home owners to leading manufacturers and trade suppliers, each episode offers real insight into how the leisure industry works and why so many enjoy being part of it.
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David Clelland
Author
Sure Finance
Static Caravan & Lodge Specialists
Rates from 6.5% APR
Same-day decisions
Monday to Friday 9am -5pm
What our customers say
Super professional staff, supportive, and very efficient. Recommend without hesitation.
What our customers say
Super professional staff, supportive, and very efficient. Recommend without hesitation.
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Contact Us
Contact Us
Contact Sure Finance
We arrange specialist homeowner loans from £10,000 up to £500,000 to help you buy your dream lodge or static caravan.
We work by appointment. Complete our short application and pick a day and time that suits you for a call back.
What our customers say
Super professional staff, supportive, and very efficient. Recommend without hesitation.
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A Practical Solution for Work
A Practical Solution for Work
This customer profile is an illustrative example inspired by real consultation and outcome.
A Cost-Effective Alternative
A project manager overseeing a three-year construction project in the Midlands needed a convenient and affordable place to stay. Renting expensive accommodation with high monthly costs was not a practical option, so he began exploring alternatives.
A Static Caravan: The Perfect Fit
After researching, he decided on a static caravan near the project site. It provided privacy, a comfortable living space, and significant savings compared to renting. Since he only needed accommodation Monday to Friday, the caravan allowed him to travel home on weekends without the hassle of temporary rentals. However, as the caravan was purchased privately, hire purchase (HP) was not available, leading him to explore other financing options.
Financing the Purchase
He found a well-maintained pre-owned static caravan for £35,000 at a quiet park just 20 minutes from the site. To make the purchase possible, he chose a secured loan, spreading the cost over 10 years. This kept monthly payments manageable while allowing him to focus on his work.
A Comfortable Work-Life Balance
Now, the static caravan serves as a comfortable and consistent base close to work, making his time away from home more manageable. It not only saves him money but also provides a personalised, stress-free living solution for the duration of his project.
Case Study Summary:
– Static caravan price: £35,000
– Deposit: £0 (100% financed through a secured loan)
– Repayment term: 10 years (120 months)
– Monthly repayments: £406
– Location: Quiet park, 20 minutes from the construction site
– Benefits: Affordable monthly repayments, privacy, and long-term cost savings
Ready to Start Your Own Holiday Home Upgrade?
If you are looking to trade in an older model or purchase your first holiday home, we can help. Learn more about our competitive static caravan finance options, explore our tailored holiday lodge finance, or complete our quick online form to get a same-day decision in principle today.
What our customers say
Fantastic friendly service straight forward no messing around. Can’t thank you enough.
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A Family’s Holiday Escape
A Family’s Holiday Escape
This customer profile is an illustrative example inspired by real consultation and outcome.
A Dream of Family Memories
The Cullen family, a young couple with two children, dreamed of owning a holiday home where they could create lasting memories. For Mr Cullen, it was about more than just a getaway — he fondly remembered summers in his family’s caravan and wanted his children to experience the same joy.
Finding the Perfect Lodge
Their search led them to a £40,000 pre-owned lodge listed privately on Rightmove. Located at a charming, family-run holiday park near the Yorkshire Dales, it offered stunning walking trails, cycling routes, and plenty of family activities. A 12-month licence meant they could enjoy the lodge year-round, including cosy winter escapes. However, hire purchase (HP) wasn’t an option for this private purchase, so they needed another way to fund their dream.
Making the Purchase Possible
With limited savings, the Cullens chose to finance the entire cost of the lodge through a specialist secured loan. By spreading repayments over 15 years, they kept monthly payments affordable, enabling them to buy directly from the private seller.
A New Family Tradition
Now, the lodge is at the heart of the Cullens’ family life. They spend weekends and school holidays exploring the countryside, cycling together, and relaxing in their cosy retreat. It’s more than just a holiday home — it’s a place for creating cherished family memories that will last a lifetime.
Case Study Summary:
– Lodge price: £40,000
– Deposit: £0 (100% financed through a secured loan)
– Repayment term: 15 years (180 months)
– Monthly repayments: £405
– Location: Family-owned holiday park, 1.5 hours from their home, near the Yorkshire Dales and Lake District
– Benefits: Affordable monthly repayments, year-round access, close proximity to home, and easy access to outdoor activities
Ready to Start Your Own Holiday Home Upgrade?
If you are looking to trade in an older model or purchase your first holiday home, we can help. Learn more about our competitive static caravan finance options, explore our tailored holiday lodge finance, or complete our quick online form to get a same-day decision in principle today.
What our customers say
Fantastic friendly service straight forward no messing around. Can’t thank you enough.
Quick Links
Further Info
Work-Life Balance
Work-Life Balance
This customer profile is an illustrative example inspired by real consultation and outcome.
A Search for Balance
James and Sarah, a professional couple in their early 40s, were eager to escape the hustle and bustle of city life without compromising their work commitments. Living in Newcastle, they found their answer in Seahouses — a static caravan at a well-maintained holiday park near the coast.
The Perfect Retreat
Priced at £70,000, the caravan offered more than just a getaway. With a second bedroom doubling as a small office, it became an ideal setup for remote working. This flexibility allowed James and Sarah to spend four days at home and three days at their caravan each week, combining productivity with the fresh sea air and a change of scenery.
Flexible Financing Made Simple
To make the purchase possible, the couple used £25,000 from their savings as a deposit and secured a loan for the remaining £45,000, spread over 10 years. This plan kept their monthly repayments manageable, ensuring they could enjoy their new retreat without financial strain.
A Haven by the Sea
Now, James and Sarah enjoy the best of both worlds — productive remote workdays in a peaceful coastal setting and relaxing evenings by the sea. Their static caravan has become a haven, providing the perfect work-life balance they had been searching for.
Case Study Summary:
– Static caravan price: £70,000
– Deposit: £25,000 (from savings)
– Loan amount: £45,000 (secured loan)
– Repayment term: 10 years (120 months)
– Monthly repayments: £545
– Benefits: Remote working space, peaceful coastal location, affordable repayments
Ready to Start Your Own Holiday Home Upgrade?
If you are looking to trade in an older model or purchase your first holiday home, we can help. Learn more about our competitive static caravan finance options, explore our tailored holiday lodge finance, or complete our quick online form to get a same-day decision in principle today.
What our customers say
Fantastic friendly service straight forward no messing around. Can’t thank you enough.
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A Retirement Investment
A Retirement Investment
This customer profile is an illustrative example inspired by a real consultation and outcome.
Turning a Dream into a Plan
At 70 years old, our customer owned a home valued at nearly £1 million on the South Coast of England. He was keen to purchase a lodge, attracted by its prime location and high rental potential. Beyond the investment opportunity, he wanted a place to enjoy during quieter periods.
Finding the Right Financial Solution
Initially, he explored hire purchase (HP) to fund the purchase. However, the repayments on £300,000 over a maximum of 7 years were unworkable given his retired status. Seeking a more suitable option, he chose equity release, or a lifetime mortgage, which allowed him to access the funds needed without monthly repayment pressures. The loan would only need to be repaid upon his passing or the sale of his home.
Making the Purchase Happen
The lodge was priced at nearly £390,000. With £90,000 from his savings as a deposit, he used equity release to fund the remaining £300,000. This approach allowed him to secure the lodge while keeping his financial commitments manageable.
Enjoying the Best of Both Worlds
Now, he’s the proud owner of a beautiful lodge, enjoying it during quieter times and benefiting from its strong rental potential. By choosing equity release, he achieved his goals without stress, combining leisure and investment in a way that works for his lifestyle.
Case Study Summary:
– Customer age: 70
– Property value: Nearly £1 million
– Lodge price: £390,000
– Deposit: £90,000 (from savings)
– Balance funded: £300,000 (via lifetime mortgage)
– Monthly repayments: £0 (No monthly repayments — loan repaid upon sale of house or passing)
Ready to Start Your Own Holiday Home Upgrade?
If you are looking to trade in an older model or purchase your first holiday home, we can help. Learn more about our competitive static caravan finance options, explore our tailored holiday lodge finance, or complete our quick online form to get a same-day decision in principle today.
Important Information about Equity Release:
Equity release and lifetime mortgages will reduce the value of your estate and may affect your entitlement to means-tested benefits. Sure Finance introduces customer requirements to specialist, authorized third-party advisers for equity release solutions.
What our customers say
Fantastic friendly service straight forward no messing around. Can’t thank you enough.
Quick Links
Further Info
A Smart Investment
A Smart Investment
This customer profile is an illustrative example inspired by a real consultation and outcome.
A Prime Location with Potential
Jim and Sarah Johnston, a couple in their 30s living in Manchester and working full-time, recently purchased a lodge at a well-established holiday park just outside St Andrews, Scotland. With a keen eye for opportunities, they were drawn to the park’s prime location, which attracts both golfers and visitors, offering significant rental potential.
Security and Strong Returns
The lodge came with a 50-year lease, ensuring long-term security, and had the potential to earn up to £1,600 per week during peak times. With these prospects in mind, they saw the purchase as not just a holiday home but also a solid investment.
Flexible Financing for Immediate Results
The lodge itself was priced at £145,000. The couple, eager to make a sizeable contribution, used £45,000 from their savings as a deposit. To fund the remaining £100,000, they chose a specialist secured loan with a 15-year repayment plan. This approach allowed them to keep monthly repayments manageable while helping to offset their monthly outgoings through seasonal rental income.
A Decision Worth Celebrating
The couple couldn’t be happier with their decision. The lodge has proven to be highly popular, delivering consistent returns while they enjoy the peace of mind that comes with owning a valuable asset in a sought-after location.
Case Study Summary:
– Lodge price: £145,000
– Deposit: £45,000 (from savings)
– Loan amount: £100,000 (secured loan)
– Repayment term: 15 years (180 months)
– Monthly repayments: £898
– Rental income: £1,000 – £1,600 per week during peak time
– Location benefits: Close to St Andrews, appealing to golfers and tourists
Ready to Start Your Own Holiday Home Upgrade?
If you are looking to trade in an older model or purchase your first holiday home, we can help. Learn more about our competitive static caravan finance options, explore our tailored holiday lodge finance, or complete our quick online form to get a same-day decision in principle today.
What our customers say
Fantastic friendly service straight forward no messing around. Can’t thank you enough.
What our customers say
Fantastic friendly service straight forward no messing around. Can’t thank you enough.
Quick Links
Further Info
Stories
Customers’ Stories
Read stories inspired by real customer experiences about why a secured loan was the preferred option for owning a dream static caravan or lodge, whether for investment or pleasure.
Why Sure Finance?
Specialists since 2018
Rates from 6.5% APR
Same-day offers
No deposit required
Loans from £10k to £500k
Repayment up to 20 years
What our customers say
Super professional staff, supportive, and very efficient. Recommend without hesitation.
Quick Links
Further Info