Twin axle vans are the biggest tourers you can buy, and the extra length brings both a heavier towing requirement and a narrower resale market.
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Yes. Twin axle caravans are funded in the same way as single axle tourers, with a few extra considerations. These are large vans, often with fixed island beds, separate washrooms and generous payloads, and they appeal to long stay caravanners and larger families. Because they are heavy, the towing vehicle and your licence entitlement both need checking before purchase. Funders also know the resale audience is smaller than for a compact van, so condition and specification matter. Private buyers are in regulated consumer credit; businesses buying for site or rental use are not.
Used kit: Yes — used twin axle vans are funded readily, with well kept examples over a decade old still attracting funding on the strength of their condition.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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 may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Size cuts both ways with funders. A twin axle van is high specification and holds a decent value, but the pool of buyers able to tow one is smaller, which affects how quickly it would sell. Underwriters therefore look closely at the make, the layout and the condition, because a popular island bed layout from a mainstream builder sells far more readily than an unusual one. The CRiS record and a current damp report are checked as on any tourer. The towing question is the buyer’s responsibility, not the funder’s: what you may tow depends on your vehicle’s towing capability and on your licence categories, which depend on when your licence was issued, so verify both with the DVLA and your vehicle handbook. Storage also comes up, since fewer sites and yards can accommodate a long twin axle.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Bailey Unicorn Cadiz | Twin axle touring caravan |
| Bailey Alicanto Grande Evora | Premium twin axle caravan |
| Swift Elegance Grande 850 | Luxury twin axle caravan |
| Swift Challenger Grande 650 | Family twin axle caravan |
| Coachman Laser Xcel 845 | British built twin axle caravan |
| Coachman Laser 665 | Twin axle luxury touring caravan |
| Elddis Crusader Aurora | Twin axle four berth caravan |
| Elddis Crusader Supersport | Twin axle touring caravan |
| Buccaneer Commodore | High specification twin axle caravan |
| Buccaneer Aruba | Luxury twin axle touring caravan |
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Couples who spend months on site in Europe, families of five or six who need fixed bunks and a separate shower, and seasonal pitch holders who leave the van in place for most of the year. The trigger is usually a change of towing vehicle that finally makes a twin axle practical, or an upgrade after several years in smaller single axle vans.
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Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Possibly, since entitlement depends on the combined weight of car and caravan and on when your driving licence was issued. We cannot advise on entitlement. Check the categories printed on your licence and the current DVLA rules, and weigh your actual loaded combination rather than relying on brochure figures.
They can be more expensive to store because they take more space and fewer secure yards have suitable pitches, and some sites have length restrictions. Insurers price on value and security rather than axle count. Sort storage out before you buy, since a funder will ask where the van will be kept.
It can influence the funder’s view of value, because an asset with fewer potential buyers takes longer to sell. In practice mainstream twin axles from Bailey, Swift and Coachman have an active market and this is rarely an obstacle. Unusual layouts from smaller builders attract more caution.
Not essential, but most owners fit one because manoeuvring a long twin axle by hand is genuinely difficult, and twin axle movers are a different specification from single axle ones. If you want it included in the finance, have the dealer fit it and invoice it with the van rather than buying it separately later.
Yes. European manufacturers are well represented in the UK and their vans are funded routinely. The practical points are whether the van has been registered with CRiS or an equivalent identification scheme, and whether the layout and fittings suit UK use, since both affect how easily it would resell here.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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