Holiday park and caravan park finance across the UK

Holiday parks are commercial trading businesses, and they are financed differently from a home or a buy-to-let. The right facility is rarely the cheapest headline rate. It is the one that completes on time, suits a park whose income is concentrated in the season and lets you grow the trade and the holiday-home sales pipeline once it is yours. We arrange that facility. Typical park mortgages run at 50 to 65 per cent loan to value over 15 to 25 year terms.

We work with park operators, investors, multi-park groups and developers across the country. We arrange the acquisition mortgage that buys a static, lodge, touring or glamping park, the development and expansion finance that funds new lodge pitches, glamping or site infrastructure, the bridging that secures a park or an off-market opportunity quickly, the refinance and equity release that moves a park onto better terms or frees capital for the next deal, and the portfolio facilities that hold a group of parks for the long run.

A holiday park is underwritten as a trading business, not on residential loan to value. Lenders read the EBITDA, the pitch-fee and site-fee income, the holiday-home sales margin, the licence and planning position and the operator behind the park. Because we sit across more than one hundred lender relationships, we know which desks genuinely back holiday parks and caravan parks, at what leverage and on what terms. That is the work. We are an arranger and introducer, not a lender, and we do not give financial, legal or tax advice.