A dream upgrade

This customer profile is an illustrative example inspired by a real consultation and outcome.

Upgrading an Old Caravan for a Growing Family

The Thompsons, a couple from Cornwall, had been enjoying their 14-year-old static caravan at their favourite South Coast holiday park for years. However, with the arrival of their first grandson, they felt their caravan was starting to show its age and decided it was time for more space and modern comforts.

Finding the Right Financing Solution

Since the holiday park didn’t offer hire purchase (HP) as a financing option, the Thompsons opted for a specialist secured loan. This allowed them to spread repayments over 12 years with no deposit required, keeping their monthly payments completely manageable. Crucially, it also gave them the flexibility and choice to repay early in the future using an upcoming pension lump sum.

A New Beginning by the Sea

With the secured loan, the Thompsons purchased a two-year-old £60,000 single lodge and added £6,000 for decking. Now overlooking the sea, their stylish and comfortable retreat has become a place to create treasured memories with their growing family.

Case Study Summary:

– Lodge price including decking: £66,000
– Deposit required: £0 (No deposit needed)
– Repayment term: 12 years
– Monthly repayments: £678
– Special features: Option to repay early with no penalties

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.

Finance Commission Disclosure Statement

1. Our credit-broking services

Sure Finance are trading names of The Hub Branding Consultancy Ltd, company number SC346006 incorporated in Scotland, whose registered address is 89 Seaward Street, Glasgow, G41 1HJ.

(“we”, “us”, “our”) are able to offer you credit-broking services to help finance the purchase of your holiday home through our commercial arrangements with a number of lenders and brokers.

If we arrange finance for you, we may receive a commission, fee or other financial consideration (our “income”) from the lender for doing so. Our income varies from lender to lender depending on the contractual and commission arrangements that we have in place.

2. Commission disclosure

If you are an individual, sole trader or small partnership and we are arranging a credit agreement or a consumer hire agreement for you which is regulated under the Consumer Credit Act 1974, you have a right to ask us to disclose the income that we will receive for arranging finance for you. If you make such a request, we will disclose the amount to you without delay.

You can make a disclosure request at any time and by any means including over the phone, by email, in writing. You may email david@thehubagency.com or write to The Hub Branding Consultancy Ltd 89 Seaward Street, Glasgow, G41 1HJ.

3. Commission arrangements

We have different commission arrangements in place with each of our lenders. The income that we earn may be a fixed fee or a fixed percentage of the amount borrowed.

Our commission arrangements with our lenders have been negotiated and agreed in advance. We do not have any discretion to negotiate or adjust your interest rate, APR or any other item included in the total charge for credit.

 

Written by David Clelland, Managing Director, Sure Finance

Complaints

Our aim is always to provide an exceptionally high level of service to all of our customers. If you feel we have not met your expectations, it is important to us that your complaint is handled fairly, objectively, and quickly.

This page explains how we handle complaints, our commitment to you, and how you can escalate your complaint if you are not satisfied with our response.

How to Tell Us If You Have a Complaint

If you are unhappy with any part of our service, please get in touch with us by phone, email, or letter.

• Write to us: Sure Finance, 89 Seaward Street, Glasgow, G41 1HJ
• Email us: info@sureleisurefinance.co.uk
• Call us: 0161 563 0807

Information We Need to Help You

To help us investigate and resolve your issue as quickly as possible, please provide the following details when you contact us:

• Your full name and preferred contact details
• Your finance application reference number, holiday park name, or pitch number
  Full details of what went wrong
• Copies of any relevant paperwork or emails
• What you would like us to do to put things right

What Happens After We Receive Your Complaint

We will assign your case to a dedicated complaints handler who will investigate the matter impartially.

If we can resolve your complaint to your satisfaction within 3 business days, we will send you a Summary Resolution Communication in writing. This confirms that your complaint has been resolved and explains your right to refer the matter to the Financial Ombudsman Service if you change your mind.

If we cannot resolve your complaint within 3 business days, we will follow this formal process:

• We will send you a written acknowledgement within 3 working days of receiving your complaint, along with the name and title of the person handling your case.
• We will fully investigate the issue internally and speak with any relevant third-party lenders on our panel if necessary.
• We will keep you updated on our progress.
• Our aim is to send you our final written response within 10 working days. By Financial Conduct Authority rules, we must send this to you within a maximum of 8 weeks.

Our final response will clearly state our decision, the reasons behind it, and details of any fair redress or compensation we are offering.

What to Do If You Are Not Happy With Our Decision

Sure Finance is an authorised credit broker, not a lender. If your complaint relates to a regulated consumer credit agreement that we arranged, and you are not satisfied with our final response, you may have the right to refer your case to the Financial Ombudsman Service.
You must refer your complaint to the Financial Ombudsman Service within 6 months of the date on our final response letter. The service is completely free and independent.

You can contact the Financial Ombudsman Service using the details below:

• Write to them: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR
• Call them: 0800 023 4567 or 0300 123 9123
• Email them: complaint.info@financial-ombudsman.org.uk
• Visit their website: www.financial-ombudsman.org.uk

Static Caravan Finance Specialists since 2018:

Recognised as one of the UK’s leading credit brokers for static caravan finance we can arrange flexible options starting from £10,000, featuring competitive rates from 6.5% APR and repayment terms up to 20 years. Our lending panel works seamlessly whether you are purchasing a brand-new model or a pre-owned model, buying directly from a holiday park, or purchasing directly from a private seller.

Our team ensures a streamlined, stress-free process with rapid same-day decisions in principle. To explore your available options and secure your ideal holiday home, simply complete our online caravan finance application today.

Once submitted, a dedicated member of our team will call you back at time that suits you to review your tailored choices.

FAQs

Whether you’re purchasing a brand-new model or a pre-owned option, our tailored lenders offer flexible terms, competitive rates, and no upfront deposit requirements, making ownership simple and stress-free.

Can I get a decision on the same day?

Yes, absolutely! In most cases, applicants receive an offer in principle on the same day they enquire.
We understand the urgency of securing your getaway, so simply complete our online form, and a member of our specialist team will call you back to discuss your choices.

How much can I borrow?

We arrange leisure funding starting from £10,000, with the flexibility to extend up to a maximum limit of £500,000 depending on your profile. Whether you’re purchasing a premium model with wrap-around decking or a well-maintained pre-owned unit, we can source finance options to cover the entire cost, including park extras, without requiring an upfront deposit.

Do I need to be a homeowner to apply?

Yes — our secured loans are specifically for homeowners, which allows us to offer lower rates and longer 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.

How soon will I receive the funds?

Once your form is processed and you’ve received an offer in principle — often the same day you apply — funds are generally available within 1 to 4 weeks. The exact timing will depend on factors like your chosen provider, the complexity of the file, and how quickly you return your documents.

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

• Secured Loans: Provide a flexible alternative to traditional financing. They offer extended repayment horizons up to 20 years, highly competitive interest rates, and no deposit requirements. You own the asset outright from day one, giving you complete financial flexibility.
• Hire Purchase (HP): A legacy method requiring a 10–20% upfront deposit and fixed monthly payments over a shorter 7 to 10-year term. Legal ownership transfers to you only after all payments are completed in full.
• Please note: Homeownership is essential for our secured lending options.

Do I need a deposit to get started?

No, you don’t need a deposit. That means you can secure your holiday home now, without first saving for an upfront payment.

Hire Purchase agreements often require a deposit before the lender will release funds. The secured loans we arrange can cover up to 100% of the purchase price, subject to status and lender criteria, so you can keep your savings for other set-up costs, such as park connection fees, insurance or decking.

Do you have a wide range of lenders to choose from?

Yes — we work with a wide panel of specialised lenders, which gives us the flexibility to source competitive rates and loan choices tailored to your circumstances, even if you have a more complex financial background.

Am I restricted to where I can buy my static caravan?

No, you are not restricted. You can purchase from a holiday park, a private seller, or even directly from the manufacturer. Our lending panel has no limitations on the vendor, giving you complete freedom to find the perfect location.

What is a soft credit search?

A soft search is a background check that will not leave a visible mark on your credit file and has absolutely no impact on your credit score. It simply helps us identify which panel providers are available to you and what rates they can offer. If you’d like to see your choices, complete our online form, and our team will be in touch.

Can I get finance even with a poor credit history?

Yes, we can still help. We understand that everyone’s financial background is different, which is why we work with flexible adverse lenders. Our loan arrangements are designed to accommodate customers with poor credit history, providing sensible paths to suit your budget.

If you have faced financial challenges in the past, ownership is still well within reach. Review our guide on securing a caravan loan with poor credit to understand how our specialist lending panel evaluates previous defaults.

Can I sublet my static caravan?

Owning a holiday home comes with regular costs, such as park site fees. Many owners let out their caravan for a few weeks each year to help offset these. Before you do, check your holiday park’s terms and conditions, as some sites restrict or don’t allow subletting.

Any rental income should be treated as a bonus, not something you rely on. Lenders assess affordability on your verified income only and won’t take potential rental income into account, so make sure your monthly loan repayments are comfortable without it.

Before committing to a holiday home purchase, work out your true seasonal outgoings. Read our complete guide to renting out a static caravan to see how subletting can help offset your annual park site fees.

Can I repay my loan early?

Yes, you can pay off your balance early if you wish. Many panel lenders offer flexible settlement paths, allowing you to clear the agreement ahead of schedule and save on interest. We recommend checking if there are any specific early repayment fees before making your final payment.

Do you offer Hire Purchase?

Previously, we introduced clients to Hire Purchase (HP) options. However, after considering customer feedback and market trends, we decided to focus exclusively on secured homeowner loans. These regularly provide lower interest rates, longer repayment terms, no deposit requirements, and greater financial flexibility.

We’ve created a simple guide to help you understand the difference between Hire Purchase and Secured Loans — click here to read the guide.

Are secured loans popular for this type of purchase?

Secured loans are increasingly popular and are frequently chosen over legacy HP structures. Over the last two years, we’ve seen a significant market shift, arranging four times as many secured agreements compared to HP. This is because they offer lower interest rates, longer terms, and eliminate the need for a cash deposit.

Do static caravans depreciate in value?

Yes, static caravans are depreciating assets, similar to cars. They generally decrease in value over time rather than appreciating like brick-and-mortar property. When planning your caravan finance, it is vital to factor in this depreciation alongside ongoing running costs.

Does my static caravan finance cover annual park site fees?

No, standard static caravan finance packages only cover the purchase cost of the unit itself. You must budget separately for annual pitch fees, site insurance, and utilities, which are paid directly to your holiday park operator.

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

Yes, Sure Finance is a full member of the National Caravan Council (NCC), the leading trade body for the UK’s touring and parks industry. This membership confirms we meet strict industry standards and maintain high levels of professional service. Along with our active FCA regulation, it gives you total peace of mind that you’re working with a trusted broker.

How do I get a quote?

If you’re interested in exploring your borrowing options, simply complete our online form. Once submitted, a finance specialist from our team will contact you to talk through the best solutions tailored to your needs.

Written by David Clelland, Managing Director, Sure Finance

Terms & Conditions

Welcome to Sure Finance. These Terms and Conditions are the legal agreement between you and Sure Finance. By using our website, you agree to these rules. If you do not agree to them, please leave the website now.

Sure Finance is a trading name of The Hub Branding Consultancy Ltd (Company Number: SC346006, registered in Scotland). Our registered address is 89 Seaward Street, Glasgow, G41 1HJ.

Part 1: Our Services & Regulatory Disclosures

1. What can we do to help finance your purchase?

We act as a credit broker, not a lender. We can introduce you to a limited number of lenders on our panel who may be able to help finance your purchase. We can only introduce you to these specific lenders.

2. Are we authorised to help you?

Yes. We are authorised and regulated by the Financial Conduct Authority (FCA) to arrange consumer credit. Our FCA Firm Reference Number is 816876. You can verify this by checking the Financial Services Register on the FCA’s official website by clicking here

Important Warning: Please make sure you can afford any loan you take out. If you cannot keep up with your repayments, you may have to pay additional fees, your credit rating will be damaged (making it harder to get credit in the future), and lenders may take legal action against you, which could result in a County Court Judgment (CCJ).

3. Do you have to pay us for our help?

No, you do not pay us any fees for our service. However, a lender we introduce you to will typically pay us a commission for bringing them business. You have the right to request information about the amount of commission we receive before you proceed with any finance agreement.

4. Can we give you independent financial advice?

No. We are not independent financial advisers. We cannot give you independent financial advice or recommendations. You will need to make your own choice about whether the finance options we present are suitable for you.

5. How can you make a complaint?

If you are unhappy with our service, please contact us right away so we can investigate:

• Write to us: Sure Finance, 89 Seaward Street, Glasgow, G41 1HJ
• Email us: info@sureleisurefinance.co.uk
• Call us: 0161 563 0807

If we cannot settle your complaint with us, you may have the right to refer your case to the Financial Ombudsman Service.

Part 2: Website Terms of Use

6. Age Restriction

We only deal with people who are 18 years of age or older and are legally able to enter into a binding contract.

7. Website Information & Accuracy

We do our absolute best to ensure that all information on this website is accurate, complete, and helpful. However, this information is intended as a general guide only. It does not constitute financial advice. You should speak directly with a member of our team to confirm specific terms, rates, and product details.

8. How You Are Allowed to Use Our Site

You must use this website legally and responsibly. You are strictly prohibited from attempting to compromise our security, accessing data you are not authorised to see, spreading viruses, or doing anything that crashes or slows down the website.
Any information you submit through our website forms must be completely accurate, true, up-to-date, and not misleading.

9. Intellectual Property & Copyright

All content, text, logos, trademarks, and design materials on this website belong to The Hub Branding Consultancy Ltd or our licensors. You may download or print pages for your own personal, non-commercial use only. You are not allowed to copy, alter, or republish our content for commercial purposes without our written permission.

10. Links to Other Websites

Our site may contain links to third-party websites that we do not own or control. We provide these links solely for your convenience. We do not endorse these external websites, and we cannot be held responsible for their content, privacy policies, or any agreements you enter into with them.

11. Our Liability

To the maximum extent permitted by UK law, Sure Finance and The Hub Branding Consultancy Ltd accept no liability for any direct or indirect losses (including loss of profits, business, revenue, or data) arising from your use of, or inability to use, this website, or from any errors or omissions in our website content.

12. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time without prior notice. Please check this page periodically to make sure you are aware of our current rules.

13. Governing Law

These Terms and Conditions are governed by Scottish Law, and any legal disputes will be handled exclusively by the courts of Scotland.

Caravan Finance

Sure Finance are the No 1 finance specialist in the UK for Touring and Static Caravan Finance. We understand that purchasing a caravan is a significant investment, which is why we specialise in providing finance options to make the process as seamless and straightforward as possible.

Our team of caravan finance experts are familiar with the unique needs of caravan buyers and can offer a variety of finance options to suit every credit profile.

To find out what your options are simply complete our short application form or give us a call at 0141 846 4826 to speak with one of our team members, remembering to pick a convenient time for us to call you.

What type of finance options do you have?

We offer a variety of finance options whether you are purchasing a touring caravan or static caravan, these include Hire Purchase and Secured Loans. By far the most popular finance option are our Hire Purchase options, given their flexibility and convenience of arranging the finance quickly.

Touring Caravan Finance

Our touring caravan finance options are probably the best available, with interest rates starting from as little as 7.9% over a ten-year term. Other USPs include 0% deposits options plus repayment terms of up to 10 years. Another great feature of HP is that touring caravans can be up to 20 years of age at the end of the agreement.

Timescales are quick too, depending on the speed at which you are looking to purchase, we may even be able to arrange the finance on the same day!

Static Caravan Finance


The options we have available for static caravan purchases include Hire Purchase and Secured Loans. The Hire Purchase option has a maximum repayment term of 7 years. To help keep the repayments affordable, customers also have the option to defer up to 25% of the total cash price to the end of the agreement – this is called a ‘balloon payment’.

The alternative to Hire Purchase for static caravan purchase is a Secured Loan. A secured loan is when a charge is taken out against the customer’s home. The big advantage of a secured loan is that interest rates tend to be lower plus the repayment term can be almost as long as the customer needs it to be – frequently between 10 and 20 years!

Bad credit finance

If you have a poor credit score, obtaining credit or finding the best interest rates for caravan finance may be more challenging. However, it is still possible to get finance and believe it or not we have a very high success rate in finding costumers a finance option even with a bad credit history. 

If you have a poor credit history but wish to purchase a caravan simply complete our short application form and a member of our team will get in touch to discuss your options.

Which caravan is best for you – static or touring?

Caravan ownership is a fantastic way to experience the joys of the great outdoors while having all the comforts of your own home. Whether you choose to own a static caravan that is permanently placed at a holiday park or a touring caravan that can be towed behind a car, there are almost too many benefits to list to owning a caravan.

One of the biggest advantages of owning a static caravan is the ability to have a stable holiday home that can be used throughout the year. Many static caravan parks offer a wide range of amenities on-site too, such as swimming pools, play areas, and on-site shops, making them a great option for families. In addition, many static caravan sites are open all year round, meaning your caravan is really a second home, there whenever you want.

Broadly speaking Static caravans offer much more space and comfort than most touring caravans, making them more comfortable for long-term use, meaning you can truly personalise it and make it feel like home away from home. Static caravan owners are also a sociable bunch too, so it won’t take long before you become a valued part of the community.

But for those who would rather travel around and explore new places, perhaps a touring caravan is more up your street. Touring caravans are generally towed behind a car, which means you have the flexibility to choose where you want to go and when you want to go. This is perfect for those who enjoy exploring new places and experiencing different cultures – and for the more adventurous, even across the channel and into Europe!

Touring caravans are typically smaller and more compact than static caravans, which makes them a more affordable and practical option for many people, meaning you don’t have to break the bank to own one and enjoy the beautiful outdoors.

Without a doubt owning a caravan, whether it be touring caravan or static caravan, is a great way to spend quality time with loved ones, whether it’s a family holiday or a romantic getaway. Caravans provide a great opportunity to create lasting memories and bond with those you care about most.

In summary, caravan ownership is a wonderful way to enjoy the great outdoors while having all the comforts of home and with a wide range of options and prices available, there is a caravan that is perfect for everyone. So why not consider owning a caravan and start creating memories that will last a lifetime!