Specialist

Leisure Finance

For buying and refinancing lodges, caravans, static homes & park homes

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Leisure-Finance

Clifton private finance

We specialise in sourcing leisure finance and leasing options in the UK for static homes, park homes, lodges, caravans

 

High quality finance solutions for leisure finance 

  • Finance park homes, caravans, static homes & lodges from £25,000
  • Competitive leisure finance that often outperforms in-house dealer offers
  • Flexible finance options including bridging loans if you have a property you are looking to sell to fund the purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought leisure homes
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Asset finance for leisure finance

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  

Call us on 0203 900 4322 to discuss your requirements.

Recent

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Aston Martin Zagato Speedster Lease Purchase
Aston Martin Zagato Speedster Lease Purchase
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Range Rover Sport Refinance To Hire Purchase Deal
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Loan to Finance Purchase of Aston Martin DB6
Loan To Finance Purchase Of Aston Martin DB6
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Leisure Finance

Owning a leisure property or asset is a significant investment that can bring immense joy and unforgettable experiences. However, the upfront costs can be daunting for many. Fortunately, leisure finance provides a convenient solution, allowing you to spread the payments over time and make your dream a reality.

Leisure finance in the UK encompasses a wide range of financing options for individuals and businesses to acquire various leisure and recreational assets, such as park homes, lodges, caravans, static homes, boats such as yachts, motorhomes, and holiday park equipment. This versatile financing solution caters to a broad spectrum of leisure and recreational needs, making it easier for everyone to enjoy the lifestyle they desire.

Here, we'll explore the main features of leisure finance and help you understand which option best suits your requirements.

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Hire Purchase for Leisure Assets

Hire purchase (HP) is a popular way to finance leisure assets in the UK. It involves:

HP agreements usually range from 3-7 years, providing flexibility to suit your budget. You cannot sell the asset until all payments are complete. If you default on payments, the finance company can repossess the asset.

Finance Leases for Leisure Properties

Finance leases are another common option for leisure finance. With this arrangement, you would:

Finance leases offer flexibility, as you can choose to own the asset or return it at the end of the term, depending on your future plans.

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Refinancing Existing Leisure Assets

If you already own a leisure asset outright, you can release the equity tied up in it through a refinance agreement. The finance company will purchase the existing asset and then lease it back to you over a term of 3-5 years. This option provides you with a lump sum of cash that you can use for other purposes.

Popular Leisure Assets Available Through Finance

The UK leisure finance market offers a wide variety of assets to choose from, catering to different lifestyles and budgets. Here are some popular options - including park homes and caravans - available for financing, along with their approximate price ranges in the UK.

 
Asset TypeModelPrice Range in UK
Park Homes Prestige Homeseeker Sonata II £140,000 - £180,000
Park Homes Omar Colorado £110,000 - £150,000
Park Homes Tingdene Harrington £110,000 - £150,000
Lodges Prestige Balmoral £150,000 - £200,000
Lodges Willerby Vogue £120,000 - £160,000
Lodges Omar Heritage £80,000 - £120,000
Caravans Bailey Unicorn £20,000 - £30,000
Caravans Swift Eccles £18,000 - £25,000
Caravans Coachman Laser £16,000 - £22,000
Static Homes Willerby Clearwater £60,000 - £90,000
Static Homes ABI Ambleside £50,000 - £80,000
Static Homes Atlas Debonair £40,000 - £70,000
Motorhomes Auto-Trail Tracker £50,000 - £70,000
Motorhomes Bailey Autograph £60,000 - £80,000
Motorhomes Swift Kon-Tiki £45,000 - £65,000

The example price ranges will vary depending on the manufacturer, seller, and specific features of the asset. So it's important to research throughly beforehand, and comapre the many options when it comes to pricing. The best option for you will depend on your personal and financial circumstances, as well as your preferences and plans for the future. 

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End of Leisure Finance Plan Options

When your leisure finance plan comes to an end, you typically have the following options:

Weigh the costs and benefits of each option to make an informed decision based on your circumstances. At Clifton Private Finance we can help you with the process. We can identify what finance plan would best suit you, depending on the asset in questions. Get in touch for a consoltation today, allow us to help you finance your dream leisure property in the UK. 

Leisure Finance (FAQs)

What is the typical APR for financing leisure properties in the UK?

The typical APR (Annual Percentage Rate) for financing leisure properties such as park homes, lodges, caravans, and static homes in the UK ranges from approximately 8.9% to 11.90% representative APR. These rates are competitive and offered by lenders regulated by the Financial Conduct Authority.

What are the deposit requirements for financing leisure properties?

Deposit requirements for financing leisure properties are typically as low as 10% of the total purchase price. This flexibility allows individuals to enter into finance agreements with a manageable upfront cost.

How are monthly payments structured for leisure property finance?

Monthly payments for leisure property finance are structured as fixed payments over the loan term, which is typically around 120 months (10 years). This predictable payment structure provides clarity and helps individuals budget effectively.

Can I finance a leisure property with a poor credit history?

At Clifton Private Finance, we understand that each customer's circumstances are unique. That's why we offer a range of finance products tailored to meet diverse needs and credit histories. Whether you have a poor credit history or not, we have options available to help you finance your dream leisure property.

Are there restrictions on where I can purchase a leisure property from?

No, you're not restricted in terms of where you can purchase your leisure property from. Whether you're interested in buying from parks, private sellers, or elsewhere, our lending options offer flexibility and freedom. Our goal is to facilitate your purchase, regardless of the seller or location.

Can I sublet my leisure property to supplement income?

Yes, many leisure property owners choose to sublet their assets to generate additional income. Whether you're considering letting out your property for a few weeks or longer periods, it can help offset costs such as site fees or even contribute towards monthly loan repayments. However, it's important to review park regulations and terms to ensure compliance and avoid any unexpected clauses.

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Using a Finance Broker for Leisure Assets

Finding the best leisure finance deal can be challenging, given the numerous lenders and products available in the market That's where a finance broker can provide invaluable assistance. At Clifton Private Finance, our team of leisure finance specialists can help you:

As leading finance brokers specialising in leisure finance, we compare options from multiple lenders to find bespoke solutions tailored to your needs and budget.

Contact us today if you're interested in financing a leisure asset. We're happy to provide a free, no-obligation quote and assist you in making an informed decision. Our team looks forward to helping you unlock your dream lifestyle through our leisure finance solutions.

If you have any questions or would like to discuss your leisure finance requirements, please don't hesitate to get in touch.

We offer a free, no-obligation consultation to help you explore your options.


Call us today to discuss your requirements on 0203 900 4322

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