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Whether you want to buy a new or second-hand motorhome, there is no way around the fact that it is likely to set you back a fair sum of money.

So, the purchase of a motorhome is likely to be one of those larger items for which you may need to borrow money. With that in mind, let’s look at some of the most frequently asked questions (FAQs) about motorhome finance.

What is motorhome finance?

Motorhome finance is a type of loan or financing option designed specifically for purchasing a motorhome. It allows individuals to spread the cost of buying a motorhome over time, typically through monthly repayments.

How much can I borrow?

The amount you can borrow for a motorhome depends on various factors, including your credit history, income, expenses, and the lender’s lending criteria.

When determining how much you can borrow, lenders will assess your affordability by considering factors such as your income, employment status, existing debts, and monthly expenses. They will also evaluate the value of the motorhome you intend to purchase and may require a deposit, which could affect the amount you need to borrow.

To get an idea of how much you can borrow for a motorhome, you can use our free motorhome finance calculator.

Keep in mind that borrowing for a motorhome is typically done through a secured loan, where the motorhome serves as collateral for the loan. As such, the amount you can borrow may be influenced by the value of the motorhome and the lender’s loan-to-value (LTV) ratio requirements.

Ultimately, it’s essential to carefully consider your financial situation and budget constraints before taking out a loan for a motorhome to ensure that you can comfortably afford the repayments and enjoy your motorhome without financial strain.

How does a finance company calculate that affordability?

As we touched on above, the motorhome finance company will consider the amount you are putting down as a deposit, your regular earnings and expenditure and – perhaps most important of all will examine your credit rating.

Any finance company is obliged to check your credit history – which illustrates how well, or otherwise, you have managed borrowing and credit in the past and, so, provides the lender some confidence in your maintaining the agreed repayment schedule on any new borrowing.

Don’t be misled by those advertisements suggesting that there is any such thing as “no credit check credit”.

How can I trust any lender to offer a fair deal?

Lenders providing motorhome finance advice need to be authorised and regulated by the Financial Conduct Authority (FCA) – and you may review the FCA register to confirm that here at Derby Motorhomes we have just such authorisation, trading as Motor Plus Derby Limited.

Not only is our motorhome finance business regulated by the FCA but it also means that if you subsequently have any complaint or dispute about your finance, you may refer the matter to the Financial Ombudsman Service.

Do I need a deposit for motorhome finance?

Some motorhome finance options may require a deposit, while others may offer 100% financing. The deposit amount required can vary depending on factors such as your creditworthiness, the value of the motorhome, and the lender’s requirements.

What types of motorhome finance are available?

There are various types of motorhome finance available in the UK, including Hire Purchase (HP), Personal Contract Purchase (PCP), Personal Loans, and secured motorhome loans. Each type of finance has its own terms, conditions, and repayment structures.

What is hire purchase (HP)?

Perhaps the most familiar form of motorhome finance is hire purchase. If your application is approved, you typically need to find a deposit of around 10% of the purchase price of the motorhome you have chosen.

The balance of the purchase price is then repaid in equal monthly instalments over the agreed term of the hire purchase agreement. In some instances, you may be able to opt for monthly repayments followed by a larger, final, “balloon” payment.

It is worth remembering that legal ownership of the motorhome does not pass to you until the final instalment has been paid and that if you default on the repayments, your motorhome may be repossessed.

What happens if I can’t keep up with repayments?

If you’re struggling to keep up with repayments on your motorhome finance, it’s essential to contact your lender as soon as possible to discuss your options. Depending on your circumstances, your lender may be able to offer temporary payment arrangements or alternative solutions to help you manage your repayments.

Can I pay off my motorhome finance early?

In most cases, you can pay off your motorhome finance early by making additional payments or settling the outstanding balance in full. However, early repayment terms and fees may apply, so it’s essential to check with your lender before making any early payments.

How can we help?

For more information on how we can help you with motorhome finance, please visit our dedicated page here or please give us a call on 01332 360222 – we’d be delighted to help.

Whether you are looking to buy your first motorhome or wanting to trade-in, renew and upgrade your existing leisure vehicle, one name is likely to crop up time and again. And that name is Auto-Sleeper.

Whether you see it in the magazines for motorhomes or hear it from the lips of motorhome owners, the name crops up because of the status and reputation established by Auto-Sleeper. It is a reputation for building high-quality, luxurious and artfully designed motorhomes that are built to last.

You may be in a position to buy your motorhome new or you might be looking to buy a pre-loved leisure vehicle.

Like any other vehicle – and even though an Auto-Sleeper holds its price better than any other motorhome – its depreciation over the years means that buying second-hand is a cheaper option than buying brand new.

But how do you go about finding an Auto-Sleeper for sale?

Use the internet

This is the age of the internet. Most of us are more than accustomed to browsing for the things we need, doing the appropriate background research, and making a final purchase online. It’s a way of viewing probably the widest possible market for whatever it is we want to buy.

And that goes for motorhomes, too. Tap into your web-browser “motorhomes for sale” or even refine your search by specifying “Auto-Sleepers for sale” and you are likely to come up with countless online listings from both dealers and private individuals.

Join online forums and groups

 Join online forums, social media groups, and communities dedicated to motorhome enthusiasts. Members often share information about motorhomes for sale, including Auto-Sleepers, and may offer recommendations or insights based on their own experiences.

Check classified ads

Keep an eye on classified ads in local newspapers, magazines, and motorhome publications. Sellers sometimes advertise their Auto-Sleepers for sale in print media, so it’s worth checking these sources regularly for listings in your area.

Contact Auto-Sleeper owners’ clubs

Auto-Sleeper owners’ clubs and associations may have members looking to sell their motorhomes or know of other owners who are selling. Reach out to these clubs, attend meetings or events, and network with fellow enthusiasts to inquire about any Auto-Sleepers available for sale.

What to consider when buying an Auto-Sleeper privately

If you press ahead through an advertised private sale, of course, there is a whole list of checks you need to make before buying any motorhome this way, such as:

  • making sure it’s not stolen;
  • ensuring no one has tampered with the Vehicle Identification Number (VIN) or weight-plate;
  • checking the registration details and the existence of any outstanding finance;
  • checking carefully for damp or the ingress of water into the interior; and
  • asking for proof of the motorhome’s service history – both mechanical and habitation servicing.

Even though you have taken every reasonable care and conducted the most rigorous checks on the motorhome, you have little come-back on any private sale if you subsequently discover something wrong with it.

Visit a specialist Auto-Sleeper dealer

For an investment likely to be quite as important as the purchase of an Auto-Sleeper motorhome, you might prefer to sidestep the convenience of the internet and instead rely on the more immediate and convincing satisfaction of seeing for yourself.

That means visiting a specialist Auto-Sleeper dealer – such as DerbyMotorhomes – getting up close and personal with the model or models of your choice, and seeing for yourself why this is the marque that tends to be on everyone’s lips when finding an Auto-Sleeper for sale.

When it comes to checking the motorhome – whether you are buying new or second-hand – a specialist dealer will have done all the work for you.

You can be certain that ownership is not in dispute, that there is no outstanding finance, and that your motorhome has been thoroughly checked, serviced, and delivered to you in tiptop condition. And in the unlikely event of your finding fault with the motorhome you’ve just bought, you know just where to go to get it put right.

What’s not to love and admire about motorhomes made by Auto-Sleepers? Although it’s likely to be a long list of attributes and features, we are still sometimes asked why we so clearly approve of these motorhomes.

If we were pressed and had to sum it all up in just one word, we’d probably say “experience” – the sheer lived experience of the Auto-Sleepers brand.

Let’s expand a little upon what here at Derby Motorhomes we mean by that.

Pulling everything together

Thanks to our extensive experience in the marketplace, we know that it’s possible to identify many motorhomes that:

  • are brilliantly designed in terms of their internal layouts – with innovative features such as the flexibility of their accommodation;
  • offer designer-quality internal décor, fixtures, fittings, and colour schemes;
  • contain state of the art technology in terms of appliances and recreational-support activities;
  • demonstrate unparalleled build quality – resulting in an experience that is not only tactile but very much “good in the hand”;
  • use only the best and proven power trains – so that you can be assured of superb on the road driving performance;
  • implement the best ergonomic design to provide a safe and comfortable driving experience;
  • offer an excellent value for money proposition;
  • deliver exceptional reliability in day after day performance; and
  • come with great external looks, bodywork, and a superlative quality finish.

However, while we have seen many motorhomes that deliver some of or perhaps even several of those defining features, what we like about Auto-Sleepers is that you can put a tick in all the boxes for motorhomes constructed by this now very famous and highly esteemed Cotswolds company.

Unsurprisingly, of course, it goes without saying that all of these qualities are important.

Reliable and luxurious

A motorhome can offer incredibly comfortable accommodation and some great facilities. But none of that will count for much if the vehicle has broken down and is constantly under repair in your local garage.

Similarly, being out on a trip and finding, shortly after you have parked up, that something simply “doesn’t work” is a frustrating experience and one that might spoil the whole experience of your precious leisure activity.

For all these reasons – and others like them – we naturally incline towards Auto-Sleepers when we are discussing quality solutions for motorhome recreational needs.

Of course, even within the Auto-Sleepers range, there will be many choices to make and not every model will necessarily be equally suitable for a prospective buyer or suit an individual’s particular needs and circumstances.

This is another big advantage of Auto-Sleepers though. Nobody wants to face Hobson’s Choice of a limited range of options when contemplating an expensive purchase. Auto-Sleepers have an incredibly flexible range of vehicles and configurations to choose from. It is highly likely, therefore, that there will be one to suit the requirements of the overwhelming majority of motorhome purchasers.

More reasons why you may wish to choose Auto-Sleepers

Auto-Sleepers stands out as a premier choice for motorhome enthusiasts seeking quality, innovation, and reliability in their recreational vehicles. With a rich heritage spanning over six decades, Auto-Sleepers has earned a reputation for excellence in craftsmanship and customer satisfaction. Here are some more compelling reasons why Auto-Sleepers should be at the top of your list when considering your next motorhome purchase:

  • Heritage and experience

With over 60 years’ of experience in designing and manufacturing motorhomes, Auto-Sleepers UK brings a wealth of knowledge and expertise to the industry. Each motorhome is crafted with meticulous attention to detail and built to the highest standards of quality and durability.

  • Innovative design

Auto-Sleepers takes pride in its innovative approach to motorhome design, incorporating cutting-edge technology and ergonomic features to enhance comfort, convenience, and functionality on the road. From clever space-saving solutions to luxurious interiors, Auto-Sleepers motorhomes are designed to elevate the travel experience.

  • Versatility and customisation

Auto-Sleepers offers a diverse range of motorhome models to suit every lifestyle and travel preference. Whether you’re seeking a compact campervan for weekend getaways or a spacious coachbuilt motorhome for extended adventures, Auto-Sleepers provides versatile options to meet your needs.

Additionally, many models offer customisable features and layouts, allowing you to tailor your motorhome to suit your individual requirements.

  • Trusted

Auto-Sleepers UK stands as a trusted leader in the motorhome industry, renowned for its heritage, innovation, craftsmanship, and customer satisfaction. Whether you’re embarking on a weekend getaway or a cross-country adventure, choosing an Auto-Sleepers motorhome ensures a journey of unparalleled comfort, reliability, and enjoyment on the open road.

How can we prove this to you?

Don’t just take our word for it but treat yourself to a first-hand experience by getting up close and personal with the full range of Auto-Sleepers. Under the year-round cover of our indoor exhibition hall, you’ll find both new and pre-loved models to inspect both inside and out.

We remain only too pleased to offer further advice and guidance on any models in the Auto-Sleepers range. We have all the required technical information and can share with you the many and varied layout configurations that are open to you when you buy an Auto-Sleepers motorhome.

We look forward to showing you around and if you’d like to contact us beforehand, our telephone number is 01332 360222.

Further reading: Who are Auto-Sleepers? and Buying an Auto-Sleeper

There are so man

UK Motorhome shows offer enthusiasts and prospective buyers an excellent opportunity to explore the latest models, discover innovative accessories, and connect with fellow travellers. Whether you’re a seasoned camper or a novice adventurer, here are some tips to help you make the most of your experience at a UK motorhome show:

Research your interests in advance – and plan

Many of the bigger motorhome shows can be quite intimidating in terms of size and scale. It’s perfectly possible to wander around aimlessly trying to look at everything, only to end up exhausted and without any abiding lessons or firm conclusions at the end of the day!

So, before attending the motorhome show, take some time to research exhibitors, seminars, and special events scheduled for the day. Create a tentative itinerary to ensure you don’t miss out on any must-see attractions or informative sessions.

Go to those stands or exhibitors as a priority and ignore everything else until you have put a tick against each of your priority interests.

Family planning

If you have younger children with you, it’s great to involve the whole family, but you probably don’t need us to tell you that those youngsters might have extremely limited attention spans.

Certainly, they’ll enjoy getting close to the motorhomes, but they are likely to be a lot less interested if you’re discussing engine option specifications, let’s say, with an expert on a stand.

If you can, it might be best to leave your kids with a family member so that you can concentrate on the event itself. If that’s not possible or you don’t like the idea in principle, then taking along some distractions in the form of games or toys might be a smart idea.

Consider taking some food

There is almost always plenty of catering at these events and it can be a perfectly reasonable quality. But the food concessions can also sometimes become extremely crowded.

If you don’t mind queuing up for food and losing time while you are doing so, that’s great. However, if you’d prefer to spend your time looking at motorhomes, rather than the stranger in front of you in the food queue, consider taking a picnic.

Set realistic targets

Many people admit to reaching the end of a motorhome show in a state of almost total exhaustion. It’s great fun but walking endlessly around trying to do everything can drain even the fittest of us.

So, building on that prioritised list of objectives mentioned above, make sure that the things you note as “must do” are realistically achievable within the time you are allocating.

Wear sensible footwear

If the venue is inside, make sure you wear comfortable shoes rather than those designer specials that look great, but are going to cause you grief after you’ve been walking around in them for a few hours.

If things are outside, make sure your shoes are equally sensible but also waterproof and with decent soles. It doesn’t matter what the weather forecast said, if a field turns into a quagmire and you have beach shoes on, you’re likely to regret it.

Consider bringing along a lightweight jacket or umbrella in case of unexpected weather changes.

Ask questions

Take advantage of the opportunity to interact with exhibitors and industry experts. Don’t hesitate to ask questions about motorhome features, specifications, pricing, and financing options. Gather as much information as possible to make informed decisions.

Test drive opportunities

If available, take advantage of test drive opportunities offered by motorhome manufacturers or dealers. Test driving allows you to experience first-hand the handling, comfort, and performance of different models, helping you narrow down your choices.

Attend seminars and workshops

Many motorhomes shows host seminars, workshops, and demonstrations on topics ranging from maintenance tips to travel destinations. Attend sessions relevant to your interests and learn from experienced professionals and fellow enthusiasts.

Explore accessories and gadgets

Browse through the accessory stalls and gadget booths to discover innovative products designed to enhance your motorhome experience. From outdoor furniture to solar panels and navigation systems, explore options to customise and optimise your travel rig.

Network with fellow enthusiasts

Motorhome shows provide a unique opportunity to connect with like-minded individuals who share a passion for outdoor adventures. Strike up conversations with fellow attendees, exchange travel stories, and glean insights from their experiences.

Take advantage of show discounts

Many exhibitors offer exclusive discounts and special offers during motorhome shows. Keep an eye out for promotional deals on motorhomes, accessories, camping gear, and insurance packages.

Try to avoid arriving or leaving at peak times

Broadly speaking, peak arrival and departure times are normally somewhere between 8-10 a.m. and 5-7.00 p.m. That may vary, of course, depending upon the hours of the specific show.

At many venues, these peak times can put incredible pressure on the local road systems that result in long queues of traffic to get in or out of the place. Sitting in a queue is unlikely to be an ideal start or end to your day, so try and avoid the peaks and travel at other times if possible.

That said, early birds often have the advantage of exploring exhibits more leisurely and engaging in meaningful conversations with exhibitors before the venue gets crowded.

Enjoy the experience!

Above all, enjoy the experience of immersing yourself in the world of motorhomes and outdoor exploration. Take time to savour the sights, sounds, and camaraderie of the event, and envision the exciting adventures that lie ahead with your own motorhome.

By following these tips, you can maximise your enjoyment and make the most of your visit to a UK motorhome show. Whether you’re in the market for a new motorhome or simply seeking inspiration for your next adventure, a motorhome show offers a wealth of opportunities to fuel your passion for travel and exploration.

So, you’ve succumbed to the lure of the open road – the freedom to go where you like, rest and stop wherever you choose – and have decided to buy a motorhome.

But where do you start looking for that purchase? Let’s take a look at your options. They immediately fall into one of two broad sources – do you buy privately or from a dealer?

Private sales

One of the attractions of buying privately is that you are buying directly from the vendor and can tell yourself that you are avoiding the commission or profit that needs to be made by any third-party agent such as a dealer.

A private sale is also more likely to involve a used motorhome, of course, so you may be able to take advantage of the depreciation already reflected in the value of a second-hand vehicle. A buyers’ guide published by Out and About Live claims that the savings on buying second-hand, rather than new, might be considerable. Although it also concedes that the slower rate of depreciation on a motorhome compared to ordinary cars might keep prices rather similar.

Thanks to the internet, your search is no longer limited to class advertisements in your local newspaper or trade journals. Online listings give you the chance to search across the whole of the country for those looking to sell a used motorhome.

Just like buying any vehicle from a private seller, however, it is very much a question of “buyer beware”. You must be prepared to go over the motorhome with a fine-toothed comb – and in this case checking not only the mechanics, but also the exterior and interior integrity of what is going to be your second home.

Your scrutiny also needs to extend to the seller’s legal capacity to sell the motorhome. Do they have title to the vehicle? Is there any outstanding hire purchase or other finance on it? Has it been classified as an insurance write-off?

Using a service such as an HPI checker specialises in helping you to check the possibility of any fraud on the part of the vendor – but the responsibility is very much your own.

Buying from a dealer

Instead, you may avoid much of the doubt and anxiety by buying your motorhome from a reputable dealer. Whether you are buying brand new or second-hand, you have the reassurance of knowing just where to go if you later discover something wrong with the vehicle you bought.

A dealer is responsible for conducting all the financial checks on any pre-owned motorhome. They are able to stay in business only by ensuring that any vehicle has been thoroughly checked inside and out, mechanically and accommodation-wise, after a full service.

Any optional extras or accessories for your motorhome may also be supplied directly by the dealer and properly fitted or installed.

Any new motorhome is going to come with the manufacturer’s warranty, but many established dealers are also likely to extend a guarantee even to used vehicles.

Many dealers are also able to arrange any finance you may need to purchase your motorhome.

Here at Derby Motorhomes, we pride ourselves in the reputation we have established as a leading dealer in all makes of motorhome – specialising in Auto-Sleepers. Thanks to our location in Derby, in the Midlands, we are likely to be reasonably accessible wherever you live in the country – and look forward to the opportunity of demonstrating first-hand a wide range of new and used motorhomes for sale.

Further reading: Financing your Auto-Sleeper purchase

The term “auto-sleeper” (or auto sleepers) is sometimes used to mean motorhomes in general or at times, specifically campervans. They are also, however, a renowned English manufacturer of campervan motorhomes that we at Derby Motorhomes are proud to sell.

Here, we’ll interpret auto-sleeper as a generic term referring to any kind of motorhome or campervan and offer some thoughts and suggestions about buying one.

Our approach is along the line of “top motorhome buying tips” – and we’ll take the liberty of assuming that you are completely new to all questions related to motorhomes or auto-sleepers.

Some first principles

Here are the basics, as we see them:

The most suitable auto-sleeper for you and your travels

  • think carefully about what you expect to get out of the experience when using your vehicle on holiday;
  • so, ease and convenience plus low running costs might immediately spring to mind and that might steer you towards a smaller and more compact campervan;
  • but then ask yourself what happens if your friends, children or children want to come with you one long weekend – all of a sudden that campervan might seem to be the small side of “compact”;
  • from most angles, we’ll remain pretty much in the dark on this score since the answers to the questions are about your dreams, ambitions and how they will affect the choice of the most suitable vehicle for you;
  • our blog – Picking the right motorhome for you – provides more tips and considerations;

Review your finances – carefully

  • no list of tips and suggestions about buying a motorhome would be complete, of course, without a word on the hot topic of money;
  • after your house, your motorhome is likely to be the single biggest expenditure you’ll undertake in your lifetime;
  • once again, there’s little specific we can say here other than for you to be certain you’re taking into consideration the running and maintenance costs of your auto-sleeper, as well as its purchase price;
  • incidentally, don’t assume that paying cash is necessarily the most suitable option either – at Derby Motorhomes, we can introduce you to motorhome finance companies that offer all the options you might want to consider, from loans, to hire purchase, and even personal contract purchase (PCP);
  • you can find out more on our blog: Motorhome financing options;

Consider your own driving experience and comfort zone

  • almost anyone can learn to drive even the largest motorhomes safely and your standard driving licence – the one you use to drive your car – is typically sufficient;
  • for chapter and verse on your eligibility for driving any particular motorhome, though, you might want to consult the advice on the relevant government website;
  • that’s not to say that everyone wants to drive the biggest possible auto-sleeper – instead, be sure that you select a size of vehicle that you and if relevant, your partner, would both be happy driving;

Think about your expeditions

  • choosing a small campervan might be ideal for a couple or people with a young child or two, irrespective of the journey distance;
  • as we grow older, though, many of us prefer a little more space and comfort – one or two nights in a restricted space might be fine but not if we’re going to be living there for perhaps two weeks at a time;
  • so, if you have lots of long-distance explorations planned around Europe and the UK, you might want to incline towards vehicles that are slightly larger, better equipped, and more comfortable;

Take advice on new versus used

  • you may be surprised to discover that, unlike most cars, motorhomes often tend to hold their value very well – so, don’t expect vast reductions on say a two-year-old model against a new one – but we’ll be happy to help you think through any issues about that;
  • of course, if you’re buying second-hand from a private individual, do please make sure that you’re qualified to assess the vehicle and adopt all good security practices to protect your financial interests.

When all’s said and done, you’ll discover that there are some really beautiful motorhomes and campervans out there. Given the amount you’re likely to be spending, it only makes sense to spend time researching the main makes and models – their upsides and any downsides – before you set your heart on any particular one.

Once again, of course, we’d be only too happy to offer some general awareness-raising advice in that area if you wish. Why not contact us to find out more?

Further reading: Motorhome buying tips

Have you thought of taking your motorhome to the Netherlands?

When planning a European tour, many motorhome owners head for the mountains of Austria and Switzerland or the beaches of southern France, Italy or Spain. But you do not need to drive so far to enjoy a continental journey much closer to home. The Low Countries – and the Netherlands, in particular – have a great deal to offer.

Why the Netherlands?

If you don’t fancy another long journey after driving your motorhome off the ferry, the Netherlands offers a perfect solution. Take the ferry from Harwich in Essex to the Hook of Holland and you reach your destination as soon as you roll off the boat. The ferry crossing takes just under seven hours, but this can vary.

Or, take the Eurotunnel from Folkestone to Calais and drive to the Netherlands – this takes less than four hours says their website.

The Dutch

You are almost certain to receive a warm welcome from the Dutch people you meet. They are friendly and family-oriented, with as great a taste for the outdoor life. Think Holland and you’re sure to think cycling family days out or pottering about on any one of the many stretches of open water.

Although Dutch, of course, is the native language, practically everyone you meet will have (very good) English as their second language – so striking up a conversation is never likely to be all that taxing. As anywhere, though, it always goes down well if you have at least a spattering of the country’s own language.

What documents will I need?

To legally drive in the Netherlands, visitors must be 18 years or older and possess a full, valid driving licence. For motorcycle riders operating vehicles up to 125cc, the minimum age requirement is also 18.

Driving licences issued in European Union (EU) and European Economic Area (EEA) countries are accepted in the Netherlands. While international driving permits are recognized, they are not obligatory.

To ensure compliance with local regulations, it is imperative you carry the following documents while driving in the Netherlands:

  • Full, valid UK driving licence
  • Proof of identification (passport)
  • Motor insurance certificate
  • V5 registration document

Plus, you will need a “UK” sticker, not “GB”.

On the road

Although you’ll be driving on the right, the highway code is very much as you find it at home – although there are one or two differences to bear in mind.

Different speed limits apply depending on the vehicle you are driving – see the Caravan & Motorhome Club for more information here.

Unless otherwise directed, always give way to vehicles emerging from the right and remember that use of your mobile phone while driving is prohibited (but hands-free devices are allowed).

Roads and motorways are toll-free, but there are several different anti-congestion and low emission zones in different cities – so make sure you’re aware of the rules in place if you intend driving there. Sounding your horn in cities is also illegal.

Overnight in your motorhome

When it’s time to turn in for the night, you must park your motorhome on a recognised campsite – so-called “wild camping” is prohibited and strictly enforced with a possible fine of up to €500 per person, according to the website Caravanya.

Fortunately, therefore, campsites are plentiful, of a high standard, and affordable (according to some sources, prices are ranked the seventh cheapest in Europe).

Ideal for your motorhome tour is Delftse Hout campsite, near the city of Delft, with its typically Dutch architecture and famous for its ceramics. The 5-star site is surrounded by a beautiful park, has mostly grass pitches, is family-friendly and has English-speaking staff.

If you thought the whole of Holland was flat, just visit the southern part of the country towards its borders with Germany and Belgium. Set in rolling hills, with stunning views across South Limburg, is the beautiful Europarcs Gulperberg.

Buying any motorhome represents a more significant investment than buying a runabout car. Buying a motorhome in the distinguished class and luxury of an Auto-Sleeper is likely to be a still bigger investment.

So, how might you go about financing your Auto-Sleeper purchase? The good news is that there should be a finance solution that most suits you.

Savings

If it has long been your dream to own a motorhome, you might have been saving over the years for the tidy sum likely to be required. If you have savings set aside, this could be a straightforward way to finance your motorhome. Using your own funds eliminates the need for a loan and avoids interest charges. However, ensure that you still have an emergency fund after the purchase.

Equity release

For homeowners who have reached the age of 55 or over, the dreams they nurtured in owning a motorhome might be realised through equity release.

Typically, this involves a so-called lifetime mortgage on the home that is owned, so that you have the cash released through its equity but make no repayments on the loan until the property is sold, you go into long-term care or you die.

Auto-Sleeper finance

Auto-Sleeper finance, on the other hand, helps you avoid having to do anything quite as drastic as blowing your savings or unlocking the equity in your home in order to purchase a motorhome.

A reputable Auto-Sleeper dealer is almost certain to be able to offer a range of finance options – and, to do so, must be registered with and authorised by the Financial Conduct Authority (FCA).

Those options might include:

  • a personal loan – for the whole or just part of the purchase of your Auto-Sleeper – with repayment terms spread over several years;
  • hire purchase – which typically involves you paying an initial deposit of around 10% of the purchase price – and equal monthly payments until the final balance is cleared; or
  • Personal Contract Purchase (PCP) – the widely popular method of car finance which has also been extended to the purchase of motorhomes and which leaves you the option of returning the vehicle at the end of the contract agreement instead of paying the final “balloon” instalment to complete the purchase.

As with any finance credit agreement, of course, the terms of your Auto-Sleeper finance is going to depend on your creditworthiness – the healthier your credit score, the more favourable the rate of interest you are likely to be offered and the better your chances of securing the credit you need.

Motorhome finance calculator

You can use our online motorhome finance calculator here that will help you decide how much you need to borrow, the repayment terms and any other conditions that may be attached to your Auto-Sleeper finance deal.

Specialist Auto-Sleeper dealers – such as ourselves at Derby Motorhomes – are likely to have close working relationships with several major banks, brokers and financial institutions, offering you a wide choice of different types of finance to suit your particular needs and circumstances.

What else do I need to consider when financing a motorhome?

  • Determine and stick to your budget: The first step in financing a motorhome is establishing a realistic budget. Consider not only the purchase price but also additional costs like insurance, maintenance, and storage. Knowing your financial limits will help you narrow down your choices and avoid overspending.
  • Credit Score. If you are going down the finance route, then remember that your credit score plays a crucial role in securing favourable financing terms. Before applying for a loan, check your credit report and score. A higher credit score increases your chances of qualifying for more attractive interest rates.
  • Insurance considerations: Remember to factor in insurance costs when budgeting for your motorhome. Insurance requirements may vary, so obtain quotes from different providers to find the most appropriate for your needs.

Financing a motorhome in the UK involves careful consideration of your budget, financing options, and future plans. By researching thoroughly, comparing offers, and understanding the terms, you can embark on your motorhome journey with confidence. Whether you choose a traditional loan, dealer financing, or another option, the key is to find the motorhome finance solution that aligns with your financial goals and lifestyle.

Derby Motorhomes would like to wish all of our customers both new and old a very merry Christmas and a Happy New Year.

Our 2023 Christmas hours are as follows:

Derby Motorhomes will be closed all Sundays during December.

SERVICE/AFTERSALES DEPARTMENTS

Our Service/Aftersales close on Friday 15th December.

Our Service/Aftersales reopen on Tuesday 2nd January 2024

SALES DEPARTMENT

Monday 18th – Thursday 21st of December 10.00am – 4.00pm

Our Sales will close on Friday 22nd December.

Our sales re-open Tuesday 2nd January 2024

We would like to thank all our customers for their business this year

and look forward to meeting you all again in the future

The Derby Motorhomes Team

When someone has owned an Auto-Sleeper motorhome they’re rarely likely to look back – when it comes the time to change or upgrade the leisure vehicle, therefore, they invariably buy Auto-Sleeper again.

If you’re in the market for buying a top-quality, pre-loved motorhome, therefore, you might want to take more than a second look at any Auto-Sleeper for sale.

Why buy a used Auto-Sleeper?

Auto-Sleepers are famed for their quality, luxury and level of finish. The design and craftsmanship that goes into every model to emerge from the factory in the Cotswolds ensures a level of comfort that is second to none among British-built motorhomes.

So, an Auto-Sleeper is built to last. Even when the first owner decides it is time to renew or upgrade, therefore, there is still likely to be plenty of life left in the original model.

Motorhomes tend to hold their price much better than an average car – and an Auto-Sleeper holds its price better than an average motorhome. But all vehicles inevitably depreciate in value over time. That means you may be able to make appreciable savings on the price of a used Auto-Sleeper compared with one that is brand new.

Here we discuss what you need to consider when buying a preloved Auto-Sleeper motorhome.

Budget and financing

Determine your budget for the purchase, considering not only the initial price but also potential ongoing costs like insurance, maintenance, fuel, and camping fees.

Explore financing options if needed, such as personal loans or motorhome-specific financing from reputable lenders or a dealership. You can use our motorhome finance calculator here to get an idea of costs.

Research and model selection

Conduct thorough research on Auto-Sleeper models available in the used market, considering your specific needs and preferences regarding size, layout, features, and amenities.

Check online reviews, forums, and user experiences to understand the strengths and weaknesses of different models.

Once you have a budget and idea of what is the best Auto-Sleeper for you, then you have two options as to where to buy your motorhome from.

Where to buy a used Auto-Sleeper

Private sale

You might see an Auto-Sleeper for sale when it’s advertised in a magazine or online listing site.

As you might have discovered when attempting to buy any vehicle through such a private sale, however, the transaction can be fraught with frustration and danger. You need something of an expert eye to check that the vehicle is everything it’s cracked up to be, you have to negotiate a fair price with the vendor, and it’s your responsibility to check that the vendor has title to the motorhome and that it is not subject to any outstanding finance.

You need to check the service history – to ensure that servicing and maintenance has been carried out by approved dealers – and it is down to you to check that everything is clean and has been well cared for.

Most worrying of all when buying through a private sale, perhaps, comes if anything goes wrong with the motorhome you have just bought. You have no come-back if the motorhome is bought “as seen”.

Here we highlight what you need to do if buying an Auto-Sleeper via a private sale …

Inspect the motorhome

Inspect the motorhome thoroughly, both inside and outside, for any signs of wear and tear, water damage, leaks, rust, or structural issues.

Check the engine, brakes, tyres, suspension, and other mechanical components for their condition and any history of repairs or maintenance.

Habitation check

Ensure that the habitation area of the motorhome, including living, kitchen, bathroom, and sleeping spaces, is in good condition and all systems are working properly.

Test gas appliances, electrical systems, water systems, heating, ventilation, and safety features during the inspection.

Service history and documentation

Request and review the motorhome’s service history, maintenance records, and any relevant documentation such as vehicle manuals, registration, and MOT certificates.

Check for a valid MOT certificate to confirm the motorhome’s roadworthiness and compliance with safety and environmental standards.

Ownership and previous use

Verify the number of previous owners and the type of usage the motorhome has had.

Ask about any accidents, damages, or repairs the motorhome may have undergone in the past.

Legal and financial checks

Ensure that the motorhome has a clear title and is not subject to any outstanding finance or legal issues.

Run an HPI (Hire Purchase Information) check or similar to confirm the vehicle’s history and ownership status.

Negotiate and finalise the purchase

Negotiate the price based on the condition of the motorhome, its features, market value, and any necessary repairs or improvements.

If you’re satisfied with the inspection and negotiations, finalise the purchase, ensuring all paperwork, payments, and transfer of ownership are completed accurately and legally.

Insurance and registration

Arrange motorhome insurance that meets your needs, considering factors like usage, value, and additional cover options.

Complete the registration process and ensure the necessary paperwork is filed with the appropriate authorities.

Post-purchase considerations

Plan for any immediate repairs or improvements that may be required based on the inspection.

Familiarise yourself with the motorhome’s features, systems, and maintenance requirements for a safe and enjoyable ownership experience.

Buying a used Auto-Sleeper from a dealer

You are in much safer hands, of course, if you buy a used Auto-Sleeper from a reputable dealer.

Owners of Auto-Sleepers tend to be loyal to the dealer from which they first bought the motorhome. They rely on the same specialist dealer for the servicing and maintenance of the motorhome and go there for the subsequent fitting of any extras or accessories.

When it comes time to renew or upgrade the vehicle, they are also likely to ask that dealer to handle its sale. So, the majority of Auto-Sleepers you see for sale are likely to be in the hands of specialist dealers, such as us here at Derbymotorhomes. They are likely to prove your most active market.

When buying from such a dealer, you may be assured that the motorhome has been thoroughly inspected and serviced, you have a full range of warranty options, and you have a contact through whom any post-sale snags or concerns may be resolved.

Things like HPI checks etc. would have been carried out, so you have no worries over the ownership of the Auto-Sleeper.

And if you have an existing motorhome that you are looking to sell, then your can look at motorhome part-exchange options too, with your dealership.