Finance for Coastal Lodge Ownership in 2026

There’s something truly magical about life by the coast. The sound of the waves, long walks along the beach, and the chance to unwind in your own seaside sanctuary, it’s a dream that more people are realising every year. At Lovat Parks, we believe owning a coastal lodge in one of the UK’s most beautiful locations from Cornwall to Norfolk and Suffolk should be simple, transparent, and rewarding. With flexible finance options and expert guidance from our friendly on-park teams, your dream of coastal holiday home ownership could be closer than you think.

How to Finance Your Holiday Home by the Sea

Owning a holiday home shouldn’t feel complicated. We’ve made the journey clear and straightforward, so you can focus on the most exciting part; choosing your perfect retreat.

1. Explore our collection
Browse our range of beautiful new and pre-owned holiday homes and lodges. Whether you’re looking for a cosy coastal hideaway or a spacious family lodge, you’ll find options to suit a variety of budgets and lifestyles.

2. Chat with our experts
Our experienced sales teams are here to guide you every step of the way from exploring specifications to understanding the buying process. We’ll help you find the lodge and location that feel right for you.

3. Review your finance options
We work closely with trusted finance providers like Santander, offering tailored, transparent packages to help make ownership more accessible.

4. Secure your lodge
Once you’ve chosen your dream coastal escape, the process usually begins with a deposit of around 10–20% of the purchase price. From there, our friendly team will handle the paperwork and make everything as smooth as possible.

What Affects the Cost of a Coastal Lodge?

Every lodge — and every location — is unique, with a range of options available depending on your budget and preferences.

• Size & specifications – From contemporary open-plan designs to lodges with private decking and panoramic sea views, there’s a style to suit everyone.
• New or pre-owned – New lodges come with the very latest finishes and features, while pre-owned homes can be an excellent way to start your ownership journey at a lower cost.
• Park location & pitch – Our parks are set in some of the UK’s most desirable coastal destinations — Cornwall, Norfolk, and Suffolk among them. Within each park, location matters too; front-row sea-view pitches are particularly sought after.

The Joys of Coastal Lodge Ownership

For many of our owners, having their own holiday home is about more than convenience — it’s about lifestyle, wellbeing, and connection.

• Your coastal retreat – Escape to your own seaside haven whenever you wish, without the stress of booking or planning.
• Wellbeing benefits – Countless studies — and our owners’ own experiences — highlight how time by the sea can boost mood, reduce stress, and improve overall wellbeing.
• Family and friends – Your lodge becomes a place to make lasting memories with the people who matter most.
• A welcoming community – At Lovat Parks, ownership means joining a friendly, like-minded community that shares your love for the coast and the outdoors.

Understanding the Running Costs

We’re transparent about the ongoing costs of lodge ownership so you can plan confidently.

• Annual site fees – Covering the upkeep of your pitch, professional park maintenance, and full use of facilities.
• Utilities – Electricity, gas, and water, which vary depending on usage.
• Insurance – Protecting your holiday home for complete peace of mind.
• Rates & charges – Including non-domestic rates and water charges.

Our teams are always happy to provide a detailed breakdown of these costs and our FAQs answer many of the commonly questions.

Offset Your Holiday Lodge Costs

Many owners choose to let out their lodge when they’re not using it. With our Love To Let scheme, you can enjoy a fully managed, hassle-free letting experience, we take care of everything, from marketing and bookings to cleaning and changeovers. It’s a great way to help offset your running costs or earn an additional income, especially with the growing popularity of UK coastal holidays.

(Please note that rental income must be declared to HMRC, and qualifying properties may benefit from the Furnished Holiday Letting scheme.)

We’re Here to Help

From your first visit to collecting your keys, our friendly team will guide you every step of the way. We’re committed to clarity, transparency, and making ownership as effortless as possible.

Discover just how easy it can be to own your own slice of the British coast. Request a brochure or book a park visit today, we’d love to show you around.

Discover our lodges for sale