A static caravan is bought with the unit and the pitch treated separately, and that single fact shapes everything about how it can be funded.
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Sometimes, and the pitch is the reason it is not always straightforward. When you buy a static caravan you own the unit but not the ground it stands on — you hold a licence agreement with the park, usually with annual site fees and often a maximum age at which the park will no longer allow the unit to remain. A funder cannot simply collect a static caravan the way it could a vehicle, because removal needs the park’s cooperation and transport. That limits the panel considerably. Private buyers are in regulated consumer credit; park operators buying fleet units are not.
Used kit: Yes — used statics are funded, but the park’s age policy often matters more than condition, because a unit nearing the park limit has a short remaining life on that pitch.
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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).
This is where static caravans differ fundamentally from every other leisure asset. The unit sits on land the owner does not control, under a pitch licence granted by the park, and that licence can carry conditions about site fees, resale, sub letting and how old the unit may be before the park requires replacement. If payments stopped, a funder would need the park’s cooperation to remove and transport a unit that is costly to move and worth far less off pitch, which is why many funders decline statics outright. The ones who do lend look at the park as much as the caravan: its reputation, the length and terms of the licence, the age policy and whether resale is permitted on site. Read the pitch licence before you sign anything — it matters more than the unit’s specification.
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 |
|---|---|
| Willerby Malton | Two bedroom static holiday caravan |
| Willerby Sierra | Family static caravan |
| ABI Ambleside | Popular static holiday home |
| ABI Beverley | Two bedroom static caravan |
| Pemberton Rivington | Luxury static holiday home |
| Victory Parkview | Value static holiday caravan |
| Atlas Debonair | Traditional static caravan |
| Atlas Sahara | Mid range static holiday home |
| Swift Bordeaux | British built static caravan |
| Carnaby Ashdale | Contemporary static holiday home |
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Families who holiday in the same area every year and are tired of booking, retired couples wanting a base near the coast, and buyers who split time between home and a park. The trigger is usually several years of repeat holidays at one park, and a sales office conversation that turns a week’s booking into a purchase discussion on the same afternoon.
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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.
It is the agreement that allows your caravan to stand on the park’s land. It sets the annual site fees, the rules about use and resale, and usually the number of years the park will accept the unit. You own the caravan, not the plot, so when the licence ends the caravan has to go — which is why funders read it closely.
Most parks do, and it is commonly set out in the licence. Once a unit reaches that age the park may require it to be replaced or removed, regardless of its condition. This affects both your enjoyment and its value, and it is the first thing a funder will ask about on a used static.
No. Site fees are payable to the park annually and are a separate obligation entirely, usually reviewed each year and outside any finance agreement. Budget for them as an ongoing cost alongside insurance, rates, gas, electricity and winterisation, because they continue whether you use the caravan that year or not.
Holiday parks generally hold licences that prohibit permanent residence and close for part of the year, and that restriction will be in your pitch agreement. If you want a permanent home, a residential park home on a protected site is the relevant product, and it is treated differently for both legal and funding purposes.
That depends entirely on the park. Some allow private resale on site, often with a commission, others require the unit to be sold back to the park or removed. This has a direct effect on what your caravan is worth, so check the resale terms in the licence before you commit to buying.
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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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