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Ownership calculator

True Cost of Lodge Ownership

The price is only the start. See what owning and eventually selling a lodge could cost, then explore where a stronger deal could make a difference.

Park & Lodge works for you, not the park. We investigate the terms, negotiate hard and tell you when to walk away.

Your figures stay in your browser and aren't submitted to us. Refreshing clears them.

A lodge is a lifestyle purchase as well as a financial decision. This calculator shows the financial side so you can decide whether the lifestyle is worth the cost to you.

Step 1 · Your purchase

Actual payable amounts, including applicable taxes. Use the price you would pay for this lodge, new or pre-owned.

How long do you expect to own the lodge?

Step 2 · Site fees

Before any promotional credit.

How much should we assume your site fee rises each year?

These are example assumptions, not forecasts. Your agreement may use a different review method.

Step 3 · Resale & depreciation

Estimated resale value & depreciation

What might the lodge be worth when you sell?

Annual reducing-balance depreciation

10% and 20% are sensitivity scenarios, not market bounds, probabilities or forecasts.

Rough planning estimate: 15% a year

We use 15% a year as a rough starting assumption based on commonly cited industry guidance. It is not a forecast or valuation. Actual resale value can vary substantially by lodge, age, condition, park, agreement, pitch fees, market conditions and how you sell.

Have a better idea of the likely resale value? Enter your own estimate instead.

Optional costs & deal terms

Other costs & fee credits

Only costs outside the purchase/package price. Included elsewhere means counted in that package.

Insurance, utilities, rates, servicing and maintenance not already in site fees. Do not count both a reserve and the same expenditure.

Included elsewhere means counted in the other annual allowance.

Applies to both the other annual allowance and separately entered travel costs.

An actual one-off monetary credit only. It does not reset the underlying fee schedule.

Selling deductions & VAT

Values and fees are not automatically transferable between routes. Review the gross value and all exit charges when changing route.

Only use this percentage if the agreement charges it on gross sale value. No legal fairness rating is inferred.

Removal, disconnection or other actual payable charges, including taxes. Included elsewhere means already within the selling deduction.

Agreement term & fee-review checks

Leave blank if unknown. This is not the park's local-authority site licence.

Optional. Subtract the lodge's current age from the stated maximum; use zero if reached.

This tool does not apply index-linked margins, caps or floors. Check the actual mechanism; a constant growth input is only a sensitivity assumption, even where you have reviewed the clause.

What this calculator will show you

  • Purchase and depreciation
  • Site fees over time
  • Other ownership costs you include
  • Selling and exit costs
  • Estimated proceeds when you sell

Together, these produce an estimated cost of ownership under the assumptions shown.

Add your figures and select Calculate. Unknown costs stay visible, not silently filled with zero.

This is an illustration, not a lodge valuation. Resale depends on the lodge, park, agreement, condition, market and how you sell. Costs not entered are excluded.

What's not included?

This version assumes a cash purchase. Finance costs are not included. No rental income, income tax, investment return or opportunity-cost modelling. No automatic Park & Lodge fee in this result. Costs you have not entered are excluded, not assumed to be zero.

These are exactly the areas we investigate before you commit.

Park & Lodge cannot stop a lodge depreciating. But what you pay, how site fees rise, what the park deducts when you sell and whether the deal is worth taking are all things we can investigate and challenge.

View a worked example

Worked example · Separate from your inputs

About £11,900 lower modelled cost after the service fee

Illustrative, not expected, typical or achieved client savings. These numbers do not replace your scenario.

Same lodge, ten years; £100,000 purchase; £6,500 first-year site fee rising by an assumed 5% each year; £2,500 other first-year costs rising by an assumed 3%. The rough 15% annual reducing-balance depreciation assumption gives estimated gross resale of £19,687. Commission is 15% plus an assumed 20% VAT on that charge. Assume on-pitch sale is possible at exit; the agreement is not assessed.

No separate upfront, removal, finance, rental, travel or extraordinary repair costs. Hypothetical purchase reduction £7,500 and permanent initial fee reduction £500; escalation and gross resale stay unchanged.

Starting net ownership cost
About £194,300
Difference before service fee
£13,789
Full Buying Service fee
£1,895
Changed net cost including service
About £182,400

A £500 first-year credit saves £500, not the approximately £6,289 from permanently reducing the fee base. A £1,895 same-lodge purchase reduction would cover the Full Buying fee in this model; that is not evidence the reduction is achievable.

Separate custom-resale example: commission sensitivity

On £40,000 assumed gross resale, a total VAT-inclusive deduction of 18% is £7,200; 12% is £4,800. The difference is £2,400 before a service fee: £505 after Full Buying (£1,895), or £1,105 after Deal Check (£1,295).

The 18% example equals 15% plus an assumed 20% VAT on the commission; VAT is not added again. These are selected illustration inputs, not universal charges or a claim reductions are available. This is not stacked into the main worked example.

A lower price is not a better deal if the terms cost you more.

We do not just check the asking price. We investigate the fees, restrictions and exit terms you could be living with for years, then negotiate the deal on your behalf. When the terms remain wrong, the answer is not a bigger discount. It is walking away.

Buying it

We examine the asking price, package and available market evidence. We negotiate hard on price and inclusions, and check that a headline discount is not hiding costs elsewhere.

Owning it

We request the fee history, examine the review terms and challenge the charges. We seek concessions where available and assess their lasting value, rather than treating a cheap first year as a cheap ownership deal.

Selling or leaving

We examine resale deductions, selling restrictions, the remaining agreement term and exit charges. We challenge costly or restrictive terms and tell you when the deal is one to avoid.

Still looking? Our Full Buying Service also researches and compares suitable parks against your agreed brief. Already found a lodge? Deal Check investigates and negotiates that identified transaction.

Negotiation has limits.

If the underlying terms still make the deal poor, our job is not to negotiate enough to make you feel better about buying it. It is to tell you to walk away.

Do not just calculate the risk. Get the deal checked.

We're not here to talk you out of lodge ownership. We're here to help make sure the lifestyle you want isn't undermined by a poor deal.

Full Buying Service — £1,895

For buyers still looking. We research suitable parks, investigate the options and negotiate the deal against your agreed brief.

Explore Full Buying Service

Deal Check — £1,295

For buyers who have found a lodge. We investigate and negotiate one identified lodge and park transaction.

Explore Deal Check

We work for you, not the park. No park commissions. No park incentives.