£4,500 to £6,000
Avg annual pitch fee (UK)
Cornwall
Holiday Park & Caravan Park Finance in St Ives
Funding for holiday parks and caravan parks in St Ives: park acquisition mortgages, bridging, development and expansion finance and refinances.
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging commercial property finance
around 68%
Avg park occupancy (UK)
Looking for funding on a holiday park or caravan park in St Ives? St Ives sits in Cornwall, within the South West 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 St Ives parks, from acquisition and bridging through pitch and lodge development to refinance, across Cornwall.
Lenders underwrite a St Ives 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.
Holiday park mortgages on St Ives parks
A holiday park mortgage is the core way to buy or refinance a caravan or holiday park in St Ives. We arrange acquisition finance for static, touring, lodge and glamping parks, typically to around 50 to 65 percent of value or purchase price, and refinances that release equity or cut the rate as trading income builds. Unlike a residential mortgage, a holiday park is lent against as a trading business: the lender assesses the park's EBITDA, its pitch-fee and site-fee income, touring and camping receipts and holiday-home sales margin, the licence and planning consent, the tenure and the operator's track record, rather than a simple loan-to-value on bricks and mortar. Established parks can release equity to fund expansion as the accounts strengthen, and well-structured acquisitions can be funded against a credible business plan. We place each park with the lender that prices St Ives leisure parks best across Cornwall.
Static, lodge, touring and glamping parks across Cornwall
Each type of holiday park is underwritten differently. We arrange finance for mixed holiday park in St Ives and across Cornwall. A mature static holiday-home park selling and siting caravans on licence pitches, a touring and camping park trading on nightly fees, and a new lodge or glamping development are credit-assessed in very different ways, and knowing which lender backs each format, and how they treat licence terms, site-fee income and holiday-home sales, is the work we do before a deal reaches credit. Around mostly domestic of holiday-park demand is domestic staycation trips (VisitBritain, 2024), which keeps well-run South West parks trading through the cycle.
Finance we arrange in St Ives
How much you can borrow against a St Ives holiday park
On a holiday park in St Ives, 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 St Ives park.
Where holiday parks trade well around St Ives
Holiday parks in and around St Ives include Ayr Holiday Park, St Ives Bay Holiday Park (Away Resorts), St Ives Holiday Village (John Fowler Holidays) and Calloose Holiday Park. They span mixed holiday park, and a lender will look at each park's tenure, licence period, pitch mix and trading record when sizing finance. St Ives sits on St Ives Bay, and a recognisable coastal or national-park destination is exactly what drives the occupancy and pitch values a holiday park can achieve.
Holiday parks in and around St Ives
- Ayr Holiday Park
- St Ives Bay Holiday Park · Away Resorts
- St Ives Holiday Village · John Fowler Holidays
- Calloose Holiday Park
Named parks in the area, linked to source. Listed as market context, not endorsements or client parks.
St Ives holiday-park profile
- Coast / national parkSt Ives Bay
- Named parks4 in St Ives
Location facts and Land Registry data. Market figures shown are national or South West-level, not St Ives-specific.
The South West holiday park market
St Ives is a prime holiday-park catchment within South West. 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.
Cornwall, Devon, Dorset and Somerset hold the highest concentration of holiday parks in England, where coastal static and lodge parks command premium pitch values and the surf and beach coast drives the strongest staycation demand in the country.
The South West is the UK's holiday-park heartland: the largest English sub-region by park count and home to premium coastal static and lodge parks where prime weeks book out a year ahead. Capital values and pitch prices are the highest in England, so the financing question is usually leverage against strong trading and premium prices, plus development finance for new lodge and glamping pitches. We arrange park acquisition finance, refinances and expansion funding across Cornwall, Devon, Dorset and Somerset, and lender appetite for quality coastal stock here is the deepest in the country.
Market commentary and figures for South West are drawn from UKCCA (Pitching the Value 2024, 2024); Savills (Holiday & Home Park Update, 2025).
Sources and methodology
Holiday-park market figures are published nationally or regionally, not per town, so the pitch fees, occupancy and yields on this page are presented as context for a St Ives park appraisal and attributed to their sources (operator-published site fees (indicative); UKCCA, Pitching the Value 2024). Town-level material is different: the named parks above, the site-licence and planning authority are genuinely local and sourced. We do not publish a St Ives-specific occupancy or yield as if it were measured. Across the UK there are around around 6,200 holiday parks (UKCCA, Pitching the Value 2024, 2023).
FAQ
Holiday park finance in St Ives: common questions
Can you get a mortgage on a holiday park in St Ives?
Yes. A holiday park in St Ives is financed with a specialist holiday park or commercial mortgage assessed on the park's trading income, pitch-fee base, licence and tenure rather than a residential loan-to-value. We arrange them for operators and investors buying or refinancing a park, typically to around 50 to 65 percent of value, and place each one with a lender that genuinely backs the leisure-park sector.
How much deposit do I need to buy a holiday park in St Ives?
Most park lenders advance around 50 to 65 percent of value on a St Ives park, so plan for a deposit and working capital of roughly 35 to 50 percent of the price plus costs. A park with audited accounts, a long site licence and a strong pitch-fee and holiday-home sales record supports the top of the range; a park with a short licence, weak trading or a development angle is funded more cautiously, sometimes via bridging first.
What are St Ives holiday park finance rates and terms?
Rates depend on the lender, the leverage, the trading income and the licence and tenure, so we quote them deal by deal rather than as a headline. Indicatively, holiday park term mortgages run on commercial terms, development and expansion finance higher, and bridging from around 0.75 percent per month, with terms from months on a bridge to 20 to 25 years on a park mortgage. For market context, indicative UK annual pitch fees run at £4,500 to £6,000 (operator-published site fees (indicative), 2024 to 2025).
Can I develop or expand a holiday park in St Ives?
Often, yes, but the site licence and planning position drive it: holiday parks operate under a caravan site licence and planning consent that set pitch numbers, the season and permitted use, and any expansion to add static, lodge, touring or glamping pitches usually needs consent. Expansion and new pitches are funded with development finance against cost and end value, refinancing onto a park mortgage once the new income is trading. We arrange both routes across Cornwall.
Funding a holiday park in St Ives?
Send us the outline and we will come back with a view on fundability and likely terms within one working day.