Holiday Lodge Ownership in the UK

If you are looking for an unforgettable staycation every year, or perhaps an additional break each time you feel the urge to escape the city rat race, then buying a lodge will be a great option for you.

Overall, you should consider purchasing a holiday lodge if you want a home from home, a familiar base to return to or simply place away from the city.

Holiday Lodge Rules

It’s important to remember that holiday lodges typically aren’t to be lived in permanently.
You must have a permanent address of residency somewhere else.

This doesn’t mean that you can’t enjoy countless trips away.

The positive side to this status is there’s no council tax or stamp duty to be paid for holiday lodge.

Each holiday park will have their own rules on the maximum time you can spend on the site each year, but it’s usually around 10 months of the year.

Financing A Lodge

There are a few ways to finance your second home.

Unfortunately, you can’t get a mortgage on a holiday lodge, but you can finance it with the help of private specialised companies.

Mortgages are only for freehold properties when you own the land/plot on which the property is built. In the case of lodges, the land belongs to the park and you lease it for the cabin you’ve purchased.

There are some extremely rare exceptions, whereby a park happens to offer a freehold buying option and sells you the actual plot of land too.

Otherwise, you can use private loan companies and borrow up to 80% of the total purchase price with a loan period of up to 15 years.

Of course, the longer the lease on your holiday home’s plot, the easier it will be to secure the required amount.

Holiday Lodge Insurance

You can find holiday lodge insurance from as little as £12 a month.
There are several factors which may affect the cost of holiday lodge insurance, but mostly it depends on selected provider: Caravan Guard, Park Home Assist, Parksure Insurance, Leisure Days, all offer this service.

What Type to Choose

The NCC estimates there are 100,000 static caravan parks in the UK.
So, there is plenty of choice, no matter what location, size and quality you seek.

Contemporary models have come a long way from the tin cans of yesterday.
If you have the money to spare, there’s really no limit on how luxurious you can get with a lodge.

Most lodge parks offer on-site amenities, from the basics like showers, toilets, and baby changing areas, to bars and swimming pools.

Half of the appeal of a luxury lodge lies in its location. Most lodges are in prime areas of natural beauty, or at least somewhere with a close connection to the richness of nature.

Luxury holiday homes remain one of the best options for an affordable, holiday-on-demand experience. You can have all the same quality fixtures, fittings, plumbing, and utilities as you would expect at home with a luxury lodge. Some lodges even benefit from balconies, decking, extended verandas, hot tubs, and boat moorings.

Good luck searching for your ideal home from home.