Caravan Finance

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Statics and Lodges are becoming increasingly popular for UK residents as a great holiday and leisure option. Owning your own caravan or lodge can be a great way for you to escape the day- today grind at the drop of a hat. Buying a caravan is an investment that you and your family will enjoy for many years to come, so it is essential that you do your homework before you buy.

Optimise Finance arrange numerous caravan loan options allowing you to borrow the money you need to purchase a new or used static caravan. You can borrow from £10,000 to £500,000to purchase the property you really desire. Our lenders will allow you to negotiate a great cash deal with the parks as they will send the cash to your account.

Try out our short online enquiry form (don`t worry - this form will not affect your credit rating nor will we carry out a credit search) Our staff will search our extensive lending panel to find the deal that is right for you, weather you are looking for a cheaper quote, it might simply be that the lending options you have been offered are over a short period of time and the payments are too expensive, we have options for up to 30 years. Even if you have been declined elsewhere, due to mortgage arrears, CCJ’s, defaults, don’t worry we may have a product from our specialist panel to suit your circumstances.


Do I qualify for finance?

  • I am a Homeowner - Yes
  • I am between 25-90 years - Yes
  • I am employed, self employed or retired - Yes
  • I live in England, Wales, Mainland Scotland and Northern Ireland. - Yes
  • My property is worth over £100,000 - Yes
  • Can I use the funds for any purpose - Yes


We can help whatever your credit score and even if you have been declined for finance elsewhere.

To get the most out of holiday ownership in the UK, you need to be in a position to use your static caravan regularly and be close enough to be able to travel throughout the year. Owners who use their static caravan holiday home regularly for holidays and short breaks achieve the best ownership experience. Buying a holiday home and then selling after a short period of time is not a good option and you could lose money, so do your research and make sure ownership is right for you for the long term.



Have you considered the additional costs?

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The biggest consideration of all is affordability. Most people would consider the idea of buying a caravan or holiday home in the UK as a dream come true. If you cannot commit to the ongoing running costs, it might not be the right choice for you. Or you may need to consider renting out the property at the times you are unable to go, you may need to work out how much you would need to rent out the property to cover your ongoing site fees. When budgeting for a static caravan, you should consider

Initial Sales Price: This can be anywhere from £10,000 to £500,000 depending on the size of the property, plot and location of your caravan. This can be paid in full from savings or alternatively, many owners choose finance leaving the savings in place and paying an affordable monthly payment.

Annual Site Fees: These range from £2,000 to £10,000 per year, with averages of around £3,000 to £5,000. Some parks may offer the option to pay site fees monthly. This payment covers the fee to use the pitch, maintenance and free use of parks facilities for your family and guests.

Gas & Electricity: Most holiday parks work on meter systems, so you’ll only pay for what you use.

Rates, Water & Drainage: Influenced by the size, facilities, and location of the holiday park, these fees range between £300 and £1,500 per year.

Caravan Insurance: Just like your home, this is essential and required by all UK holiday parks. Fully comprehensive caravan insurance you’ll need to insure your static caravan against risks such as fire, theft..