On the surface, buying a second home in the UK sounds simple enough. But once you get into the fine print, it can feel more like a financial obstacle course than a lifestyle upgrade.

Here are just a few of the unexpected costs you might run into with a traditional second residential property:

Additional stamp duty
When you buy a second residential property in the UK, you’ll usually be hit with an extra 3% on top of the standard Stamp Duty Land Tax (SDLT). Even if it’s a cosy cottage you’ll only visit now and then, the bill can quickly climb into the thousands.

Second-home council tax charges
Many local councils are now applying premium council tax rates on second homes, sometimes up to 100% more than a main residence. That means you'll be paying double the annual council tax simply because you own more than one property, even if you’re not living there full-time.

Higher mortgage deposits and interest rates
Most lenders see second homes as riskier than primary residences, which means that you’ll usually need to put down a larger deposit, often 25% or more and you may face higher interest rates too. Your affordability checks will also be stricter, especially if you already have a mortgage on your main home

Before you know it, the joy of having your own place can be buried under paperwork and pressure. But here’s the good news: holiday homes like lodges or static caravans aren’t classed as residential property, so most of those costs simply don’t apply.

●    No stamp duty - because you’re not buying the land
●    No council tax - so no nasty annual surprises
●    No traditional mortgage - meaning less red tape and quicker decisions

If you like what you've read so far and interested to spread the cost, you can explore specialist holiday home finance providers or personal loans, both of which tend to be far more straightforward than applying for a mortgage. So instead of jumping through hoops, you can jump straight into the hot tub.

Read our guide to financing your holiday home today.

Caravan and lodge style holiday homes are designed around comfort, convenience and fun. Expect practical layouts, open-plan living, and durable fixtures and fittings made for relaxed days, family moments and cost efficient letting. Plus, you’re surrounded by like-minded people in that easygoing, holiday mindset.

Expect practical touches and elevated comforts like private decking for sun-soaked breakfasts, hot tubs and outdoor seating for enjoying long summer evenings, adjacent parking and on site EV charge points, even added luxuries that truly make a holiday like a wine fridge or bluetooth sound system. 

And because they’re purpose-built, they’re ideal for holiday letting too, with durable fittings, cost-efficient upkeep, and layouts that just work.

And when you choose one of our all-action parks, you’re not just buying a holiday home, you’re stepping into a ready-made lifestyle. Everything’s right on your doorstep.

Start the day with a swim in the indoor pool, unwind in the spa, grab coffee with a view, or book into a table for two at the on-park restaurant. From kids’ activities and fitness classes to scenic walks and evening entertainment, you can make every stay feel different, without ever needing to get in the car.

As an owner, you’ll unlock a few extras too. Many of our parks offer exclusive perks for holiday home owners