Caravan Park & Holiday Park Finance | Switchboard Finance
Accommodation Finance · Caravan Park Finance

You've Found The Park. Now Let's Fund It. Caravan Park and Holiday Park Finance, Freehold Going Concern and Leasehold Pathways for Self-Employed Australian Buyers

Finance to buy a park as a business, not a caravan to live in. Most buyers are first-timers, so you're in the right place.

Freehold & leasehold First-time buyers welcome Non-bank specialist
See How It Works ↓ Check If You Qualify
50–70%
Freehold LVR
35–50%
Leasehold LVR
Up to 30yr
Loan Term
$200K–$5M+
Loan Size
Switchboard Finance · Credit Representative 576702 · LMG Broker Services Pty Ltd · ACL 517192
Find Your Situation

Five ways into a park. Find yours.

Tap the one that matches your park to see how it gears, the deposit and the term.

🏞️
Freehold Going Concern
Own the land and run the park. The highest gearing, and the only model that builds capital growth.
50–70%
Typical LVR
$200K–$5M+
Facility
Up to 30yr
Term
  • Land plus business secured
  • Builds capital growth
  • Supporting security covers the deposit gap
Accommodation finance hub →
🔑
Leasehold Park Business
Buy the business and run it on leased land with a deed of consent. Where most first-timers start.
35–50%
Typical LVR
~50%
Deposit
In-lease
Term
  • Lease and business secured
  • Cheaper to get into
  • Lease counts down, no capital growth
Get a free callback →
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Holiday Parks, Cabins & Sites
Cabins, powered and unpowered sites, a camp kitchen. Read the way the park really trades, not lumped together.
Mix
Read properly
Cabins
+ Sites
Seasonal
Upside
  • Cabins, powered and unpowered sites
  • Permanents and annuals as the steady base
  • Function and camp-kitchen revenue counted
Get a free callback →
💰
Refinance & Equity Release
Already own a park. Refinance, fund cabins, or release equity for retirement or a buyout, without selling.
Cash-out
Business use
No sale
Keep the park
Better
Facility
  • Refinance to a stronger facility
  • Fund cabins or upgrades
  • Release equity without selling
Equity release & refinance →
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Crown & Council Lease Parks
Parks on Crown or council land. We confirm the lease, the term left and the consent path before it goes to a lender.
Crown
or Council
Consent
Confirmed first
In-lease
Loan term
  • Crown or council land tenure
  • Lease length and renewal checked
  • Consent path cleared before valuation
Get a free callback →
How It Works

Tenure decides
everything.

Own the land, or run the business on someone else's. That one fork sets how much you can borrow.

Freehold
You own the land
50–70%typical LVR
  • Builds capital growth
  • Costs more to get in
  • Land plus business secured
vs
Leasehold
You rent the land
35–50%typical LVR
  • No capital growth
  • Cheaper to get in
  • Term inside the lease

Want to own the land and let someone else run it? That's a freehold investment, assessed like commercial property.

Full financials. No low doc on parks.
Business owners, not PAYG.
Equity raising goes through a licensed partner.
Not sure which one is yours? Send us the listing →
What You Can Borrow

More deposit than you'd think.
Less cash than you'd fear.

Parks need around 30% deposit on a freehold, 50% on a leasehold. But equity in property you already own can do most of the lifting.

On a $2M freehold going concern
LoanYou
Senior loan ~65%Your deposit ~35%
Supporting security over property you already own can cover most of the deposit, taking your effective gearing close to the full price. The loan follows the valuation, not the asking price.
50–70%
Freehold going concern LVR
35–50%
Leasehold LVR
Up to 30yr
Term on a freehold
Full doc
No low doc on parks
Get a Free Callback Check If You Qualify →
How It Actually Plays Out

Four buyers, four ways in.

Illustrative scenarios, not specific clients. Tap to see how each came together.

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Leasehold · First-time buyer
A couple buys their first tourist park
Long lease, deed of consent, cash buffer kept

A leasehold tourist park with a long lease. Financed against the lease with a deed of consent, and structured to leave them a cash buffer for the first season.

✓ Leasehold✓ Deed of consent✓ Business plan
Enquiry
Tenure check
Approved
Settled
📈
Freehold · Step-up
Stepping up from leasehold to the freehold
65% going concern plus supporting security

A freehold going concern at around 65% of valuation. Equity in their existing home filled the deposit gap, so they got the land and the growth without overstretching.

✓ Freehold✓ Supporting security✓ Going concern
Enquiry
Structured
Valued & approved
Settled
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Equity release · No sale
An owner releases equity without selling
Refinance to fund retirement and equalise an estate

Not ready to sell. A refinance of the freehold freed up capital for retirement and to equalise the estate, with the park kept and trading.

✓ Refinance✓ Cash-out✓ No sale
Enquiry
Reviewed
Refinanced
Capital released
⏱️
Settlement timing
Holding a tight settlement window
Short-term cover, then refinanced to the senior loan

Exchange and settlement did not line up. Short-term cover through a caveat loan or private lending held it, then refinanced to the senior loan once it settled.

✓ Caveat✓ Private lending✓ Refinanced out
Exchange
Short-term cover
Settled on time
Refinanced
What Buyers Actually Ask

Caravan park finance, answered.

Tap a question. Real ranges, no fairy tales.

As a working guide, around 30% of the price on a freehold going concern and around 50% on a leasehold. Equity in other property you own can bridge that gap and lift effective gearing closer to the full price. The exact figure depends on the park, the income, the tenure and your experience.
Yes. A leasehold park is financed against the lease and the business, not the land, so the lender needs a deed of consent from the freeholder and the term is set inside the remaining lease. Gearing is lower, usually 35% to 50%, and lenders want a healthy number of years left, ideally with renewal options.
On the business, not the bricks. A valuer takes the adjusted net profit (real earnings after addbacks) and applies a yield multiple reflecting location, condition, seasonality, occupancy and the income mix. Two parks with the same takings can value very differently, and the going concern valuation drives the loan.
Freehold is generally easier and gears higher, because the lender holds the land. Leasehold gears lower because the security is only the lease. The trade runs the other way on yield and entry cost: leasehold is cheaper and returns more, but it is a diminishing asset with no growth, while a freehold carries the land value.
This is the question first-timers worry about most, so plainly: yes, you can. Parks are specialised, so your background matters more than on a normal commercial property, but first-time operators get funded all the time. What makes the difference is how the application is put together, and most parks are bought by first-timers anyway.
No. Park finance is assessed on full financials and a business plan, not low doc. Park lending is a going concern business loan, a different product to the property-secured low doc and alt doc loans. Expect to provide proper figures, supported by your accountant.
On a freehold going concern, up to around 30 years when secured to suitable property. On a leasehold, the term is capped inside the remaining lease, often up to about 15 years, because the security expires when the lease does. Interest only periods are commonly available for the early years.
As a business, the returns sit in a useful range: freehold going concern parks tend to yield high single digits to high teens, while leasehold returns higher but is a diminishing asset. That is different to buying a caravan or cabin to put on a park, which depreciates like a vehicle. This page is about financing the park itself.
Still weighing it up? Send us the listing and the figures and we will tell you which model it is, how it gears, and who would fund it. Or browse the full glossary.

Found your park?
Let's get you funded.

No credit check to enquire. Send us the park and the tenure, and we will tell you what is fundable, where the deposit lands, and who funds it. If the answer is no, we will tell you that too, and why.

Get a Free Callback Check If You Qualify →
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FBAA Member LMG Broker Services Pty Ltd · ACL 517192 Credit Rep 576702
General information only, not credit or financial advice. Switchboard Finance arranges secured business-purpose credit. Lending is subject to lender assessment, valuation and terms. Figures shown are market-standard ranges, not an offer of finance.

© 2026 Switchboard Finance · Credit Representative 576702 · LMG Broker Services Pty Ltd · ACL 517192

Preview footer; the live site footer is unchanged. General information only, not credit or financial advice. Switchboard Finance arranges secured, business-purpose credit and does not arrange equity or financial products.