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Commercial mortgages are one of the most important funding tools available to campsite and caravan
park operators in the UK. Whether you are purchasing a new site, refinancing an existing park,
releasing equity for reinvestment or consolidating borrowing, a well-structured commercial mortgage
can underpin the long-term stability and growth of your business.
Campsites and caravan parks are property-led enterprises, often built around valuable land and
infrastructure assets. However, they are also specialist leisure businesses with seasonal income,
planning considerations and operational complexity. As a result, many mainstream lenders struggle
to assess them accurately, leading to declined applications or inflexible terms.
At Gable Business Finance, we arrange commercial mortgages specifically for UK
campsite and caravan park businesses. We understand how lenders assess leisure assets and how to
structure funding that reflects both the underlying land value and the trading reality of the park.
A commercial mortgage is a long-term loan secured against business property or land. For campsite
and caravan park operators, this typically includes:
Commercial mortgages are usually repaid over a longer period than standard business loans, often
reflecting the long-term nature of property ownership and land-based enterprises.
While the underlying asset value of a campsite or caravan park may be substantial, lenders assess
more than just bricks and mortar.
Key challenges include:
High street banks often apply generic commercial criteria that fail to account for these factors.
Specialist mortgage solutions are designed to take a more holistic view of the business.
Buying a campsite or caravan park is one of the most common reasons operators seek a commercial
mortgage.
Funding may be required to:
Mortgage structures must balance purchase price, deposit requirements and long-term affordability.
Many park operators are operating with finance that no longer reflects the true value or performance
of their business.
Refinancing may be used to:
A refinance can stabilise the business and free up resources for reinvestment.
As parks grow in value, equity can often be released through a commercial mortgage.
Released funds are commonly used for:
This allows operators to reinvest without selling assets or draining cash reserves.
Specialist lenders take a detailed view of both the asset and the business.
Key assessment areas include:
A strong application presents the park as a sustainable long-term leisure business rather than
simply a property asset.
Loan-to-value ratios for campsite and caravan park mortgages vary depending on:
Because these are specialist assets, LTVs may differ from standard commercial property. Specialist
advice helps ensure realistic expectations and the best possible terms.
Interest rates on commercial mortgages reflect both market conditions and perceived risk.
For campsite and caravan parks, repayment structures must also account for seasonality.
At Gable Business Finance, we work to structure:
The goal is long-term sustainability rather than short-term affordability.
Commercial mortgages for campsites and caravan parks are closely linked to planning and licensing.
Lenders will examine:
Clear documentation and specialist guidance are essential to avoid delays or declines.
In many cases, the most effective funding strategy combines a commercial mortgage with other finance
types.
Examples include:
Blended solutions allow parks to grow without overloading any single facility.
Mistakes can significantly impact the success of a mortgage application.
Common issues include:
Specialist advice helps avoid these problems and strengthens applications.
Commercial mortgages for campsites and caravan parks require deep sector knowledge.
At Gable Business Finance, we offer:
Our role is to ensure your mortgage supports your long-term business strategy.
If you are considering purchasing, refinancing or releasing equity from a campsite or caravan
park, expert advice can make a substantial difference.
Contact Gable Business Finance today to discuss commercial mortgage solutions
designed specifically for UK campsite and caravan park businesses.