Holiday Park & Caravan Park Finance in Scarborough

Looking for funding on a holiday park or caravan park in Scarborough? Scarborough sits in North Yorkshire, within the Yorkshire and the Humber holiday park and caravan park market. We are a finance arranger, not a lender: we arrange park mortgages and the full range of holiday-park finance on Scarborough parks, from acquisition and bridging through pitch and lodge development to refinance, across North Yorkshire.

Lenders underwrite a Scarborough holiday park as a trading business first, on its pitch-fee and touring income, its occupancy, the tenure and licence and the operator, then test it against the wider market. Indicative annual pitch fees run at about £4,500 to £6,000 (UK average, operator-published site fees (indicative), 2024 to 2025). Holiday-park letting occupancy averages around around 68% (UKCCA, Pitching the Value 2024, August 2023 (high season)), concentrated into the March-to-October season.

How much you can borrow against a Scarborough holiday park

On a holiday park in Scarborough, a park mortgage usually reaches around 50 to 65 percent of value or price, so you would budget for a deposit and working capital of roughly a third to a half plus costs. The figure is driven by the park's trading income, its EBITDA and the security of its pitch-fee base, not the postcode. Where a park is being bought at speed, at auction or before accounts support term debt, bridging finance secures it quickly and a park mortgage follows once trading is evidenced; development and expansion finance funds new pitches, lodges, glamping or facilities, typically against cost and end value. Many operators hold parks in a limited company or a group, and lenders are comfortable with corporate and SPV borrowing, multi-park portfolio facilities and partial releases. Interest rates depend on the lender, the leverage, the income and the licence and tenure, so we quote them deal by deal rather than as a headline rate. We size the right facility, rate and structure for your Scarborough park.

The Yorkshire and the Humber holiday park market

Scarborough is a prime holiday-park catchment within Yorkshire and the Humber. Strong year-round visitor demand and high achievable pitch values support keen lending on established, well-licensed parks, and lenders compete hardest for trading parks with a long licence and a clear holiday-home sales pipeline here. New or expanding parks are funded on more cautious terms, with the business plan, the licence and the operator doing the work.

The East Riding and North Yorkshire coast, from Bridlington and Filey to Scarborough and Whitby, anchors a strong coastal holiday-park market, with the Holderness coast and Cleethorpes adding large family parks within reach of the Leeds, Sheffield and Hull conurbations.

Yorkshire's coast is a strong holiday-park market: Bridlington, Filey and Scarborough carry large coastal static parks, including some of the biggest Haven and Parkdean resorts in the North, while the Holderness coast adds value family parks. Reliable drive-to demand from the West and South Yorkshire conurbations underpins trade. We arrange acquisition, refinance and expansion finance along the East Riding and North Yorkshire coast, where established parks with a long licence trade well and there is room for lodge and glamping diversification.

Market commentary and figures for Yorkshire and the Humber are drawn from UKCCA (Pitching the Value 2024, 2024); Savills (Holiday & Home Park Update, 2025).