Static Caravan, Lodge & Park Home Finance
Holiday lodges, sited statics, park homes and glamping pods — funded where a mortgage does not apply.
- Whole-of-market — 60+ lenders searched
- All credit histories considered
- Decisions in as little as 24 hours
Whole-of-market — 60+ lenders searched, including
The first thing worth knowing is that you cannot get a mortgage on a static caravan, holiday lodge or park home. They sit on land you do not own, so in law they are possessions rather than property — which means specialist finance rather than a mortgage. We arrange static caravan finance, lodge finance and park home finance for buyers across the UK through lenders who work in this market specifically.
What you can fund
Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.
| Asset | What it covers | Page |
|---|---|---|
| static caravan | A static caravan is bought with the unit and the pitch treated separately, and that single… | Read the guide |
| holiday lodge | Lodges are built to a higher standard than static caravans and cost considerably more, which makes… | Read the guide |
| park home | Residential park homes sit on protected sites with statutory rights attached, which makes them a different… | Read the guide |
| twin unit lodge | Twin unit lodges arrive in two halves and are joined on the pitch, which makes them… | Read the guide |
| holiday park fleet | For a park operator the caravans are stock in trade, and funding them is a commercial… | Read the guide |
| static caravan re | Refinancing a static is harder than refinancing anything else in this market, and it is worth… | Read the guide |
Why there is no such thing as a lodge mortgage
People search for a holiday lodge mortgage or a park home mortgage constantly, and it is a perfectly sensible thing to look for — it just is not the product that exists. A mortgage is secured against land and buildings. A static caravan, lodge or park home stands on a pitch you licence rather than own, so it is legally a chattel: a possession, like a vehicle. That is why high street mortgage lenders decline these purchases, and why being declined says nothing about you.
What does exist is specialist finance, usually hire purchase secured against the unit itself, over terms that reflect the pitch agreement as well as the unit.
Static caravan finance
Sited holiday statics are the most commonly funded, and holiday home finance of this kind is a distinct product from a mortgage. A static caravan loan taken unsecured is the other route people consider, though it usually prices worse than finance secured on the unit. The lender assesses the van and, crucially, the park — how many years remain on the site licence, and whether the park is established. Buying a static caravan with a short remaining licence limits the term, because no lender wants an agreement running past the point the van has to leave the pitch.
Holiday lodge finance
Lodges are higher value and often twin-unit, which makes the pitch agreement and the park’s reputation matter more rather than less. Terms are typically longer than on a static, reflecting build quality and the way lodges hold value, but the same licence-length arithmetic applies.
Park home and mobile home finance
Residential park homes are a different proposition again, because this is somewhere you live rather than holiday. Sites are covered by the Mobile Homes Act, and lenders will want to see that the park is properly licensed and that the pitch agreement is a residential one. Mobile home finance for permanent occupation is a specialist niche and the lender pool is smaller, which is exactly when whole-of-market matters.
Glamping pod finance and holiday letting
Glamping pod finance follows the same logic as lodges, with one difference. If the unit is being bought to let rather than to use, the assessment changes: it becomes a commercial proposition assessed on projected income and your wider position. Glamping pods, shepherd’s huts and letting lodges are all fundable, and often as business rather than consumer finance, which can suit better.
What to send us
Send us the unit, the price, and the park — specifically how many years remain on the site licence, because that single fact drives the term more than anything else. Tell us whether it is for your own use or to let, since that changes which lenders we approach. No credit check to ask.
How it works
Tell us what you need
One quick conversation about the asset and how the repayments need to work.
We search 60+ lenders
As an independent broker we find the right structure and rate — not one lender’s products.
You get funded
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Estimate your repayments
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
Frequently asked questions
Can you get a mortgage on a static caravan or lodge?
How long can I finance a static caravan over?
Can I finance a park home to live in permanently?
Can I finance a lodge or pod I intend to let out?
What matters most when buying a static caravan on finance?
Do you cover my area?
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
Machines we fund
60 machines named across 6 types of Static caravans & lodges. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.