Park Home Finance

For buying and refinancing Park Homes

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Clifton private finance

We specialise in sourcing park home finance and leasing in the UK


High quality finance solutions for parkhomes.

  • Finance from £25,000
  • 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 park homes
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Asset finance for park homes

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

Call us on 0203 900 4322 to discuss your requirements.


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Park Home Finance

Purchasing a park home is a major investment. While some buyers may buy outright with cash, many must finance the purchase through asset finance. Asset finance allows you to buy a park home without paying the full amount upfront.

If you want to buy a park home, you may wonder about the financing options. Park homes are popular for many people who want to enjoy the comfort and convenience of living in a community with like-minded people. However, park homes can also be costly, especially if you want a new or bespoke model. Many people opt for park home finance, which allows them to pay for their purchases in affordable monthly instalments.

Many types of park home finance are available, each with its benefits and drawbacks. In this article, we will explain the main features of each option and help you decide which one is best for you.

Hire Purchase

Hire purchase (HP) is a common way to finance a park home. It involves:

HP agreements usually range from 3-7 years. You cannot sell the home until all payments are complete. If you default on payments, the finance company can repossess the home.

Personal Contract Purchase for Park Homes

Personal Contract Purchase (PCP) is not commonly offered to finance UK park homes. However, some lenders may provide PCP-style plans.

With PCP for park homes, you would:

You will own the home if you complete all payments. If not, you return it without owing more money.

PCP offers flexibility, but the balloon payment can be substantial. Monthly payments may be lower than other finance options since the lender assumes a residual value for the home.

However, PCP has strict limits on mileage and condition. Exceeding those could require you to pay extra fees.

Rent to Own

Some parks offer rent-to-own terms allowing you to rent a home for 1-2 years before buying. Your rental payments contribute towards the purchase. Benefits include:

Ensure your rental contract specifies purchase terms so your equity is protected.

Equity Release

If you have an existing property, equity release uses its value to provide a lump sum for buying a park home. You take out a loan against your home and receive tax-free cash to finance the purchase. No repayments are due until the property is sold.

Equity release rates vary so compare plans. Ensure you retain enough equity to fund future needs.

The best financing option depends on your circumstances. Seek professional advice to find the right park home asset finance plan for you.

See Your Funding Options »

Popular Park Homes Available Through Finance

If you are looking for a park home in the UK, you have many options. Whether you need a park home for residential or holiday use, you can find a model that suits your lifestyle and budget. In this table, we have listed some of the types of park homes available for financing in the UK, along with their price ranges.

You can compare different models' sizes, designs, and amenities and decide the best for you.

Park homes from different manufacturers, sellers, and sites may have different offerings and prices. The best way to get an idea of the range and variety of park homes is to do your research

Vehicle TypeModelPrice Range in UKSource
Park Homes Prestige Homeseeker Sonata II £140,000 - £180,000 [Park Homes]
  Omar Colorado £110,000 - £150,000 [Omar]
  Tingdene Harrington £110,000 - £150,000 [Quickmove Properties]
  Regal Spinney £60,000 - £100,000 [Omar]
  Wessex Classic £70,000 - £110,000 [Omar]
  Prestige Homeseeker Anthem £60,000 - £100,000 [Park Homes]
  Tingdene Kensington £90,000 - £130,000 [Quickmove Properties]
  Omar Ikon £150,000 - £200,000 [Omar]
  Tingdene Country Lodge £70,000 - £110,000 [Quickmove Properties]
  Prestige Homeseeker Sofia £150,000 - £200,000 [Park Homes]

What Happens at the End of a Park Home Finance Plan?

If you choose to finance your park home using an asset finance plan, such as hire purchase, lease purchase, contract purchase, or PCP, you may wonder what happens at the end of the plan. Depending on the type of plan you have, you may have the following options:

  • Buy the park home outright by paying the final balloon payment. This allows you to own the home and use it as you wish. However, you will need enough money for the final payment.
  • Return the park home and walk away. This ends the agreement without further obligations. However, you lose the home and any equity built up. Fees may apply for damage/mileage.
  • Trade the park home for a new one and start a new agreement. This allows you to upgrade models and continue monthly payments. However, you'll need a new deposit, interest rate, and monthly payment. Fees may apply.

The best option depends on your circumstances. Compare costs and benefits to make an informed decision.

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Using a Finance Broker for Park Homes

Finding the best park home finance deal can be difficult. That's why a broker can help you find the best deal and suitable option. At Clifton Private Finance, we can help you: 

As leading finance brokers, we specialise in park home finance. We compare options from multiple lenders to find bespoke solutions to suit your needs and budget.

Contact us today if you want to buy a park home on finance. We're happy to answer questions and provide a free, no-obligation quote. We look forward to helping with your park home finance needs.

See Your Funding Options »

If you are interested in buying a park home on finance, contact us today and speak to one of our expert advisers. We will be happy to answer any questions you may have, and provide you with a free, no-obligation quote. We look forward to hearing from you soon. 

Call us today to discuss your requirements on 0203 900 4322

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