Holiday Lodge Finance Specialists:

Since launching in 2018, Sure Finance is widely considered to be one of the leading specialist credit brokers for holiday lodge finance. We offer customers a comprehensive panel of lenders with rates starting from as little as 6.5% APR for loans from £10,000, and flexible repayment terms up to 20 years.

Whether you are buying a new or pre-owned model from a holiday park, a commercial retailer, or a private seller, we pride ourselves on delivering a streamlined, transparent process. This includes same-day decisions in principle and flexible early repayment choices tailored to your budget.

To explore your options today, simply complete our short online form. Once submitted, a dedicated member of our expert team will call you back at a time that suits you to review your tailored borrowing choices with no obligation.

FAQs

Explore our frequently ask questions below to find the ideal financing path for your holiday lodge. Whether you’re investing in a brand-new premium lodge or a pre-owned model, our tailored lending lines provide flexible terms, competitive rates, and no deposit requirements – making ownership simple and accessible.

Can I receive a quick decision on lodge finance?

Yes, you can! In most cases, applicants receive a decision in principle on the same day they enquire. We know how important timing is when it comes to securing your getaway, so simply complete our online form, and one of our specialists will call you back to discuss your choices.

How long does it take to secure my funding?

We aim to make the process as quick and straightforward as possible. Once your application is processed and you receive an offer in principle — often within the same day — funds are usually released within 1 to 4 weeks. The exact timeframe depends on the lender and how quickly you provide any necessary documentation. Our priority is to get everything sorted efficiently, so you can start enjoying your new retreat without delay.

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

• Secured Loans: A flexible alternative to legacy financing, offering extended repayment terms up to 20 years, lower interest rates, and no deposit requirement. This option allows you to own the asset outright from the start, providing greater financial freedom.
• Hire Purchase (HP): Typically requires a 10-20% deposit and involves fixed monthly repayments over a shorter term of 7 to 10 years. Ownership transfers to you only once all payments have been completed in full.
• Please note: Homeownership is a baseline requirement for both financing pathways on our panel, whether you are financing a luxury lodge or a static caravan.
• We’ve created a simple guide to help you understand the difference between Hire Purchase and Secured Loans — click here to read the guide.

What is the maximum amount I can borrow?

Our financing choices range from £10,000 up to a maximum limit of £500,000, tailored to suit your needs and based on the equity available in your home. Whether you’re investing in a luxury double lodge with added decking or a high-quality pre-owned unit, we can arrange finance to cover the full cost, including park connection extras, without the need for a cash deposit.

Do I need to be a homeowner to qualify?

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.

Are secured loans popular for these purchases?

Yes, secured agreements are a very popular choice for these premium purchases and are often preferred over Hire Purchase (HP) contracts. In the past two years, we have arranged twice as many secured loans as HP options. This preference is largely due to the structural advantages they provide, including lower interest rates, longer repayment periods, and zero deposit requirements.

Do I need a deposit to secure my loan?

No, a deposit isn’t needed for the secured loans we arrange, so you can start your application straight away and buy your lodge without saving up first.

Unlike many Hire Purchase agreements, which ask for money upfront, a secured loan can fund up to 100% of your lodge’s purchase price, subject to status and lender criteria. Your savings stay free for the extras that come with a new holiday home, such as park connection fees, first-year insurance or decking.

Are there restrictions on where I can buy my holiday home?

No, you are not restricted. Whether you’re buying a new or pre-owned model from a licensed holiday park, a private seller, or even through an online marketplace, our lending panel offers complete flexibility. This gives you the absolute freedom to choose the ideal model that perfectly suits your needs, with no limitations on the vendor.

However, finding the right lodge is only the first step. Timing your purchase carefully can save you thousands of pounds on manufacturer mark-ups and park incentives. Be sure to check our guide on the best time of year to buy a lodge to maximise your negotiation leverage before applying for finance.

What is a soft credit search?

A soft search is a type of background check that does not leave any visible mark on your credit report and has absolutely no impact on your credit score. It simply helps us determine which panel lenders are available to you and the rates they can offer. To find out which deal suits you best, just complete our online form, and a team member will contact you to discuss your options.

Can I get finance even with a poor credit history?

Yes, you can. While some high-street institutions view a poor or adverse credit history as an automatic rejection, we look at the bigger picture. We understand that no two financial circumstances are the same. That’s why we offer access to a diverse panel of flexible lenders who are willing to consider various credit profiles, ensuring you still have choices even if your historic credit rating isn’t perfect.

A low credit score doesn’t automatically disqualify you from caravan ownership. Our bad credit loan guide explains exactly how our specialist lending panel reviews past defaults and what steps you need to take to secure approval.

Can I rent out my lodge?

Yes, in most cases. Lodges come with ongoing costs such as pitch fees and upkeep, and many owners let theirs out during the busier months to help cover them. Rules on letting vary from park to park, so check with your park operator before you take any bookings.

On the finance side, lenders base their decision on the income you can evidence. Expected rental income isn’t counted, so plan your repayments around what you earn and treat any letting income as help with running costs, not as a way to pay the loan.

Can I repay my loan early?

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

Do you offer Hire Purchase?

No, we no longer offer Hire Purchase (HP). While we previously provided HP structures, we decided to focus exclusively on secured homeowner loans after considering factors such as higher interest rates, shorter repayment terms, and customer preferences. Secured loans regularly offer greater flexibility, lower interest rates, and longer repayment periods.

Is buying a holiday lodge a good financial investment?

While holiday lodges offer an incredible lifestyle asset and potential holiday let income, they are not traditional real estate investments. Lodges depreciate over time and are subject to park leasehold tenure limits (usually between 15 and 50 years).

What happens to my finance agreement if my park lease expires?

Your finance term must align with the tenure agreement granted by the holiday park. Always check the remaining length of the park lease before finalising a long-term lodge finance package.

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

Yes, Sure Finance holds full membership with the National Caravan Council (NCC), the main trade organisation representing the UK’s touring and parks sector. This ensures we adhere to rigorous industry standards and uphold a high level of professional service. Combined with our active FCA regulation, it means you can trust us to deliver dependable and transparent options for your holiday home financing.

How do I apply?

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

 

Written by David Clelland, Managing Director, Sure Finance

PRIVACY POLICY

Who We Are

Sure Finance is a trading name of The Hub Branding Consultancy Ltd.

• We are authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number 816876).
• We are registered with the Information Commissioner’s Office (ICO) under number ZA307683.

If you have questions about your data, you can write to us at:
Sure Finance, 89 Seaward Street, Glasgow, G41 1HJ, or call us on 0161 563 0807

Why We Collect and Use Your Data

We collect your information because we have a legitimate business interest in helping you find finance. We use it to:

• See if you qualify for our finance products.
• Check your credit history with credit reference agencies.
• Keep our records updated and tell you about other products you might like.

We cannot process your application without this information.

Where We Get Your Data From

We collect data when you:

• Fill out our online application or eligibility check.
• Talk to our team over the phone, by email, or in person.

Who We Share Your Data With

We only share your data to help you get a loan. We may pass it to:

• Lenders or brokers on our panel: These companies will look at your data to offer you a finance deal. When they receive your data, they become responsible for it and may run their own credit checks.
• Law enforcement: Only if we are legally required to do so during an investigation.

If our company is ever sold or merged in the future, the new owners can use your data in the exact same way outlined here.

How Long We Keep Your Data

We keep your information securely stored to comply with legal, tax, and anti-fraud rules:

• If you just apply: We keep your data for 6 years.
• If you take out a loan: We keep your data for 6 years after your loan ends.

Your Legal Rights

By law, you have the right to ask us to do the following at any time:

• See your data: Ask for a copy of the information we hold about you by calling 0161 563 0807 or emailing info@sureleisurefinance.co.uk.
• Fix mistakes: Ask us to correct any wrong or incomplete information.
• Delete your data: Ask us to delete your information if we no longer have a legal reason to keep it (the “right to be forgotten”).
• Stop or limit processing: Ask us to stop using your data or restrict how we use it.
• Move your data: Ask us to transfer your data to you or another company digitally.

How to Stop Marketing Messages

If you do not want to receive marketing emails or updates from us, just let us know. Call 0161 563 0807, email info@sureleisurefinance.co.uk, or write to our Glasgow address.

Complaints

If you are unhappy with how we handled your data, please email info@sureleisurefinance.co.uk or call 0161 563 0807 so we can fix it.

If you are still not happy, you have the right to complain to the Information Commissioner’s Office (ICO). You can call them on 0303 123 1113 or visit their website.

Thank you for your application!

You will receive your scheduled call from Fluent Money, our trusted partner for secured loans, who will discuss all your options.

Best regards,
The Sure Finance Team

Specialised Static Caravan & Holiday Lodge Finance Since 2018

Sure Finance has specialised exclusively in static caravan and holiday lodge finance since 2018. Over the years, we have helped thousands of families find the right holiday home finance solution to secure their perfect holiday home.

Founded by trade industry expert David Clelland, the business was built on a foundation of deep sector knowledge and integrity. David launched Sure Finance to bring transparency and tailored financial options to the holiday home market, ensuring every client receives honest, practical guidance from a team that truly understands the leisure industry.

By working with a specialist panel of lenders, we can offer competitive rates, flexible repayment terms up to 20 years, and same-day decisions in principle. We are dedicated to making the process of buying your holiday home simple, clear, and affordable.

Our specialist secured loans require no deposit and range from £10,000 up to £500,000. Because we focus entirely on the leisure market, we build bespoke finance options tailored to your exact purchase. Whether you are buying a new or pre-owned holiday home directly from a holiday park, direct from a retailer, or via a private seller, we find the right option to suit your personal circumstances.

Key Features of Our Finance Options:

• No deposit required on specialist secured loans
• Flexible funding from £10,000 up to £500,000
• Repayment terms available up to 20 years
• Tailored options for parks, retailers, or private sales

Expert Guides and Video Series

We don’t just arrange finance — we live and breathe the holiday home industry. To help future owners navigate the market with confidence, we provide a library of expert buying resources.

Our library includes a collection of free, practical Holiday Home Guides covering everything from static caravan site fees to park regulations. We have also produced an exclusive Video Podcast featuring insider interviews with UK holiday park operators and leading leisure home manufacturers. These resources are designed to give you the insider knowledge you need to turn your holiday home plans into a reality.

• Browse Our Free Buying Guides →
• Watch Our Video Podcast Series →

Professional Standards and Regulation

Your peace of mind is our priority. Sure Finance is a trading style of The Hub Branding Consultancy Limited (Registered in Scotland, Company No. SC346006).

We are authorised and regulated by the Financial Conduct Authority to act as a credit broker; you can verify our status on the FCA Financial Services Register under Firm Reference Number 816876.

We are proud to be a full member of the National Caravan Council. Achieving full membership requires passing a rigorous approval process, and our status can be confirmed via the NCC Member Directory. This membership reflects our long-term commitment to high industry standards, consumer protection, and trustworthy service.

Furthermore, we are also registered as a data controller with the Information Commissioner’s Office under registration number ZA307683, which can be reviewed directly on the official ICO Data Protection Register.

Company Information

• Registered Address: 89 Seaward Street, Glasgow, G41 1HJ
• Contact Phone: 0161 563 0807
• Contact Email: info@sureleisurefinance.co.uk

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.

As featured in …

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