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.

As the charity Citizens’ Advice suggests, the purchase of a motorhome is likely to be one of those larger items for which you may need to borrow money. So, let’s take a look at some of the most frequently asked questions (FAQs) about motorhome finance.

How much can I borrow?

You may borrow what you can afford to repay. Those repayments will depend on the amount you borrow, the length of time for which you borrow the money, the amount you have saved to offer as a deposit, and the rate of interest you are offered by any lender.

These are the factors that determine the affordability of any motorhome finance.

How does a finance company calculate that affordability?

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.

What forms of motorhome finance do you offer?

Hire purchase

Perhaps the most familiar form of 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.

Personal Contract Purchase (PCP)

You have almost certainly heard about PCPs as they are used to purchase a large number of private cars these days.

Here at Derby Motorhomes, we are currently able to extend this motorhome finance facility to the purchase of your motorhome, too.

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.

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 around four hours, according to a recent posting by motorhome owners on the website Out and About Live.

The time saved from driving long distances is time you can use to explore the country – the biggest reason for taking your motorhome to the Netherlands.

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.

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, warns the Camping and Caravanning Club.

Although the maximum speed on motorways is 130kph (80mph) penalties for breaking this or any other speed limit are tough – and you might even have your motorhome impounded.

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 5-star Camping Panorama Camping 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?

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.

Even if you are among the fortunate few who have savings enough to purchase an Auto-Sleeper, however, you might be spending the entire amount in one big hit, with no further savings to fall back upon at any later stage in your life.

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.

According to a story in the Financial Times on the 4th of April 2019, a staggering £1.08 billion had been raised by homeowners in this way during the final quarter of 2018 alone.

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.

In many instances, the lenders have user-friendly online calculators that 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.

You don’t have to bank on the unpredictable British weather and expect a Summer that is as dry, warm and sunny as the last.

If you buy a motorhome, you’ll always have somewhere dry and cosy to see out the worst our climate may bring – or drive it over to the Continent, save on rising hotel costs, and have your own home away from home wherever you are.

But buying a motorhome involves no small initial investment, so here are some tips and suggestions for going about it:

New or pre-loved?

  • there’s nothing quite like knowing that you’re the first person to have taken your motorhome on its first outing, nothing like being the first person to have slept in it – so buying a new motorhome let’s you in on all of that, together with the reassurance of a lengthy warranty;
  • the greatest obstacle, of course, is likely to be the cost of buying a new motorhome;
  • used motorhomes hold their value pretty well, but they do still depreciate, so one that is, say, three years old might offer a significant saving on the new price, even though it still has a relatively low mileage;
  • to help you decide whether to splash out on a new motorhome or get a good deal on a pre-loved vehicle, here at Derby Motorhomes we have a permanent exhibition of both new and used models from which to choose – after you’ve had your own up close and personal inspection of as many motorhomes you’d like to try out for size;

Size

  • that question of size, of course, is likely to be decided by how you are planning to use your motorhome;
  • is it principally a tourer, for instance, where you’re looking forward to venturing off the beaten track to explore winding country lanes in a suitably manoeuvrable vehicle, or one you’ll be using as your main base for a holiday, when more spaciousness and comfort is the order of the day;
  • is your motorhome likely to be used mainly just by you and your partner or do you need the extra berths for a child or two;
  • are your outings and holidays planned mainly in the UK, or will you be taking your motorhome further afield in continental Europe;
  • the balance between practical manoeuvrability, weighed against all the space and comfort a larger motorhome may offer, is likely to swing your judgment;
  • however you choose, Motorhome Planet suggests that you keep a note in the cab of the height and width (metric and imperial) of your vehicle, if you encounter any road width or bridge height restrictions;

Weight

  • closely related to the question of how you plan to use your motorhome – and, in turn, its size – is the critical matter of its weight;
  • it’s a critical factor since the weight – in technical terms, the Maximum Allowable Mass (MAM) of the vehicle – determines the category of driving licence you need;
  • the Camping and Caravanning Club explains that you currently need a Category C1 driving licence to drive a larger motorhome with an MAM between 3,500kg and 7,500kg;
  • if you passed your driving test before the 1st of January 1997, you are automatically entitled to this Category C1 licence, but if you took it since that date, you must take a separate driving test to gain the additional entitlement;
  • in either case, your current driving licence entitles you to drive motorhomes up to 3,500kg MAM – and the majority of motorhomes built in this country therefore comply with this weight restriction.

There are a number of factors to take into account when buying a motorhome – and here at Derby Motorhomes you may find all the help you need, and examples of the motorhomes to choose from.

It is often said that after their main dwelling place, a motorhome is likely to be the most expensive thing that most people will ever buy in their lives.

Whether that is correct or not in your individual circumstances is impossible to say.

What is certain though is that it is a large expenditure and one that should, therefore, be thought about carefully in terms of how to go about funding a new motorhome.

What is funding?

In the case of most buyers, the funds used for the purchase must be obtained from somewhere and through some sort of process. There are a number of different ways of going about that and here at Derby Motorhomes, we’ll try to objectively outline some of those for you.

Funding through pension cash-ins, inheritances, savings and liquidating financial instruments

It may be that you have funds potentially available to you from any of the above sources.

For example:

  • the new relaxed pension regulations might enable you to take a cash lump-sum early;
  • perhaps you have been the recipient of some sort of bequest following the death of a relative or friend;
  • it may be that you have stocks and shares that can be turned into cash.

All of these result in a situation where you will buy the vehicle outright and have no monthly repayments going forward.

You should be clear though that just because you can access the cash through these means, doesn’t necessarily mean that it is the most sensible way for you to fund a new motorhome.

That’s because depleting your potential cash reserves might leave you with a problem if you subsequently encounter some sort of emergency where you need liquid capital (cash) fast.

The issues here can be complicated. Please note that we are not qualified independent financial advisers and it may be sensible for you to consult one before cashing in things like your pension savings.

Bank loans

Depending upon your individual financial circumstances and perhaps your history over time with your bank, it may be possible to ask for a standard bank loan for your purchase.

This will give you cash you can then use to pay for the vehicle, with you repaying the loan over time on a monthly basis to the bank.

This is straightforward though the banks are perhaps a little less free with such loans for luxury items than they might have been prior to around 10 years ago. You may also need to have an excellent credit history record and find a fairly substantial deposit towards the vehicle from your own sources.

Hire Purchase (HP) and related dealer finance

This essentially involves a finance company purchasing the vehicle which legally remains their property although you will be allowed to use it as the “registered keeper”. You will repay the funds provider over time and once you make the final payment, the vehicle becomes legally yours.

You may need to find a percentage of the final price yourself by way of the traditional deposit in this way of funding a new motorhome.

Equity finance

This type of funding typically involves you obtaining a loan which is secured against something else you either own or have substantial surplus cash invested in.

For example, if your home is realistically valued at £400,000 and you have an outstanding mortgage on that of £50,000, then you have £350,000 notional equity in your property. It may be possible to borrow against that equity in order to buy your motorhome but remember your home may be at risk if you take out a loan secured against it and find yourself subsequently unable to pay.

Summary

There is a range of funding options available and we’d welcome your contact in order to clarify how we might be able to assist further.

One of the commoner questions we’re asked at Derby Motorhomes relates to the options for financing a motorhome purchase.

We’d like to share some of our observations here on that subject with you but we must point out that we are not qualified financial advisers. Our role here is simply to highlight some of the options that you may be able to choose from when buying a new motorhome.

Using your own cash

Significant numbers of buyers do so and particularly in situations where they have taken a lump sum out of a pension fund or have inherited money from a relative’s estate etc.

In some respects, paying by cash is intuitively attractive. It means you won’t be paying interest charges to a lender nor will you need to convince someone else that you are able to afford the money you are spending. It becomes your decision and yours alone.

However, you may need to keep in mind that some advisers might argue that spending your own cash is not always an optimum solution. If you spend a substantial sum of money on your motorhome from your own cash reserves, then by definition, that money isn’t available for you to use on other things.

True, you could always sell your motorhome in future to get a percentage of your cash back but that can take a little time and while you’re going through the sales process, your funds aren’t available to you.

Using Hire Purchase or a variation thereof

We’re sure that Hire Purchase (HP) needs no detailed explanation!

Suffice it to say, in summary, all that is required is for you to find a sum of your own cash to contribute towards the cost of the vehicle by way of a “deposit”. The Hire Purchase provider will then fund the balance and purchase the vehicle for you to use as its registered keeper.

You will then pay a monthly repayment of the outstanding sum, over some years, until such time as you have paid off the balance. During that period of time, the vehicle legally remains the property of the HP solution provider and you must not sell it without their written permission in advance.

The advantage of HP is that the vehicle is being purchased, in large part, with somebody else’s money, meaning you keep your capital reserves for something like an emergency. Of course, you will need to show that you are financially able to maintain the repayments.

Loans

You could go to a finance company or bank and ask them to advance you a sum of money which you can then spend on buying a new motorhome of your choice.

You will then repay the loan back to them over an agreed period of time.

Once again, you will need to find some form of deposit. You will also typically again be assessed in terms of your creditworthiness and ability to financially meet the loan repayment commitment you are entering into.

Loans offer the advantage of giving you a degree of freedom over where you purchase your vehicle and they may increase your negotiating position a little with a seller or dealership (as to them you will be effectively a cash buyer).

On the downside, certainly, bank loans are perhaps not typically as readily available for luxury items as might once have been the case.

Summary

There may, in fact, be other options open to you when buying a new motorhome. At Derby Motorhomes we work with a number of motorhome finance specialists to find you the most suitable finance solution for your next motorhome. Why not contact us today to see how we can help?

There is an old joke to the effect that “buying a vehicle is much more fun than paying for it”!

No doubt that’s true but even so, there are a range of options that might be open to you.

Cash

Numbers of people purchase their motorhome using their cash reserves. That often comes from things such as pension cash-ins, life savings, windfalls or sometimes wills and other bequests from relatives etc.

Using your own cash has two big advantages:

  • you don’t have to apply to anyone or seek the approval of a third party in terms of your spending plans. That can make the process fast;
  • your spending doesn’t incur costs in terms of the interest rates and other charges that might be associated with some loans – though that must be modified a little as outlined below.

There are two “cons” to consider too:

  • once you’ve spent your capital, it’s “tied up” and not immediately available should you need it for emergency purposes;
  • strictly speaking, you should consider what’s called the “opportunity cost” of using your own cash. If you could invest it elsewhere and get a good return, then not being able to do so because it’s now been used for your motorhome is a cost to you in the sense of it being a lost opportunity.

Financing (non-bank)

There are several potential options here including those we offer.

Perhaps the most familiar form of motorhome financing is that of Hire Purchase otherwise known as “HP”.

This probably needs no introduction but just in case, it involves:

  • finding a contribution towards the cost of the vehicle from your own finances. A figure of around 10-15% is commonplace;
  • the lender will advance you the balance in the sense that they will buy the vehicle. It becomes their legal property, but they then allow you to use it as the “registered keeper”;
  • each month you will make a set repayment to the funds At the end of the agreed term, the vehicle becomes yours in the legal sense – assuming you have made all repayments;
  • while the agreement is in force, you must not sell the vehicle or significantly modify it without the lender’s/provider’s explicit permission in advance.

This approach has been around for a long time and typically works well and to everyone’s satisfaction.

Your application will need to meet criteria in terms of you being assessed as having sufficient financial standing to indicate that you can afford the sums involved and the monthly repayments. That typically will include a credit history check.

Bank loans

This is another theoretical option for motorhome financing.

It usually works with the bank providing the money for you to go out and purchase the motorhome, with you having again made a financial contribution overall. That contribution may be typically a larger percentage than might be associated with HP.

The question as to whether the bank will demand some sort of security over the loan would be one to discuss with the bank in the individual context of your application.

There are a few points worth keeping in mind with bank loans:

  • some people might prefer to keep their motorhome financing separate from their everyday banking affairs;
  • some banks may move rather slowly in terms of application reviews;
  • not all banks are well-disposed towards loan requests for what they may see as “luxury items”!

There may be a number of options open to you in terms of funding your motorhome.

At Derby Motorhomes, we are always keen to try and ensure that you understand the pros and cons of the various routes to financing your purchase. That’s why we have produced a brief motorhome finance guide summary below.

An outright cash purchase

For many of us, this might be intuitively attractive.

It has the big advantage of meaning that you have no funding charges to pay and nobody to convince that you can afford it through various proofs of income and credit scoring assessment etc.

However, it has one significant issue associated with it – that of removing liquid capital from your financial reserves.

That simply means that once you have invested your capital into a motorhome, if you need cash in a hurry to deal with an emergency, it is no longer available to you at the stroke of a pen on a cheque. While good pre-used motorhomes are typically always in high demand, it may still take time for you to convert your vehicle into cash should an emergency arise.

Motorhome finance

There are specialist funds providers who will, essentially, purchase the vehicle for you then allow you to use it as the motorhome’s “legally registered keeper”.

You will then make monthly repayments of the sum concerned, plus the funds provider’s interest and other charges, over an agreed time period. That usually runs for some years and when you make your final repayment, the vehicle becomes legally yours.

Typically you’ll need to find a deposit as your contribution towards the overall cost. Figures of around 10-15% are commonly seen.

You’ll also need to demonstrate to the funds provider that your overall financial position is such that you will be able to comfortably afford the monthly repayments. This validation process might also include a credit risk assessment, though having a few minor problems on your credit history is typically not a showstopper.

While you are repaying the sum advanced, you must not sell or otherwise dispose of your motorhome. That would be an offence under law.

Personal Contract Purchase (PCP)

PCP is where you put down a deposit (which can be cash, part exchange or a combination of both) and fund part of the cost of the vehicle with the lender deferring, until the end of the agreement, an amount roughly equal to its future value and guarantees to this (subject to you meeting the pre-set terms of the agreement).

So, if all terms are met, you can simply hand the vehicle back to the lender at the end of the agreement or pay the lump sum to own the vehicle outright – or part exchange it for another.

Bank loans

Once extremely popular and commonplace as a way of purchasing motor vehicles and indeed motorhomes, this is perhaps today rather less commonplace.

It involves you speaking to a bank, often your existing bank, about taking out a loan in order to purchase the vehicle outright and then repaying the bank over time.

The basic financial assessment of your ability to repay the loan and a credit history check will still apply.

Although it is difficult to generalise, you may find that the bank will require a higher percentage deposit by way of your contribution. It’s also the case that, as part of natural banking services evolution, today some banks are risk-averse when it comes to personal loans for luxury items.

Equity release

In some circumstances, you may be able to borrow money against equity that you have in another asset. In most cases, that usually implies property that you own.

Let’s say, for example, that you have a property realistically valued at £200,000 and an outstanding mortgage on it of £30,000.

That means, broadly speaking, that you have £170,000 equity in your property. Some lenders may be prepared to advance loans, using your property as security providing the equity exceeds the amount you are looking to borrow.

It is worth remembering that your property may be at risk if you are unable to continue the repayments against any loan secured against it.

How we can help

At Derby Motorhomes we are FCA registered to advise customers on all aspects of motorhome finance. Why not get in touch today to see how we can help?

There are typically two questions that one regularly encounters in the domain of motorhomes and motorhome insurance:

  • can I live in my motorhome full time and keep it insured;
  • what happens to my house insurance if I am away on extended motorhome trips?

These are related issues but in some respects also very different.

Living permanently in your motorhome

It’s perhaps important to state at the outset that the vast majority of motorhome insurance providers consider motorhomes to be things you use occasionally for recreational purposes.

Typical policies will contain a clause which limits, in some form or another, just how much you can use your motorhome in a given year. That may be some months and that might be entirely satisfactory for the vast majority of motorhome owners. However, if you decide you want to spend your life on the road, it is likely to be inadequate for you.

There is no mystery behind the reasoning here.

Insurance providers have certain algorithms they use to calculate the risk of offering you cover. The facts they use to construct your risk profile include certain assumptions about your permanent address and how much time you will be living there for each year, as opposed to using your motorhome.

If you plan to be on the road all the time, in effect you don’t have a permanent address and that is going to cause many insurance providers a degree of conceptual difficulty in terms of offering you cover.

It may be possible to obtain specialist cover if you do decide to spend your life on the road but the key message here is to avoid simply selling up and driving off in your motorhome on the assumption that your existing motorhome insurance will be valid. It may not be!

How much time can you spend in your motorhome in terms of your home insurance?

This is a very different consideration and not one that is necessarily exclusively related to motorhome insurance.

The challenges here arise from the fact that your existing standard home insurance probably contains a clause limiting how long, in terms of consecutive days, you can leave your property unoccupied before your insurance is at risk.

That period of time is usually somewhere between 30 and 45 consecutive days.

If you wish to go off and spend extended time on the road discovering the world in your motorhome, you will typically need to remember that you may need to contact your home insurance provider for a discussion on the subject of “unoccupied property insurance”. This will extend a policy to cover your property for longer periods when you are not in residence.

Disclosure

A key message that comes out of both of the above points relates to disclosure or, to put it another way, making sure that your motorhome insurance provider and the company that provides your home insurance, are kept fully informed when your situation is going to vary from that which existed when you took out your cover.

Most insurance providers will try to be as flexible and helpful as they can in order to help you to enjoy your motorhome to its full extent

Some potential motorhome buyers become unnecessarily concerned about the process of seeking a finance deal to facilitate their purchase.

In the vast majority of cases, the process is relatively straightforward and in fact, not one to be feared.

Here is a brief overview of a typical application and this is based upon the assumption that you are not using your own cash to purchase the vehicle outright.

Lenders

Perhaps the first point to keep in mind is that lenders are keen to find reasons to say “yes” to your financing application. They are in business to do so, rather than to seek reasons to turn it down!

This means that typically they may be eager to receive your motorhome finance application and you have no reason to be concerned otherwise.

Your personal financial status

Anyone who is looking to lend you money, including that as part of motorhome finance, will need to understand a few things about your personal financial status:

  • that you have some capital of your own available to put into the deal. Classically called “the deposit”, this shows potential finance providers that you are someone of some substance and above all, it reduces their total financial exposure and risk. Figures of around 10-15 percent might not be unusual;
  • evidence that you have income or capital sufficient to mean that you can meet the monthly repayments associated with a deal you are progressing;
  • some indication that you normally conduct your financial affairs in a responsible fashion. This is what is often called the “credit score assessment”.

Contrary to some popular mythology, having issues on your credit history files might not be a major problem in terms of you securing motorhome finance.

The vehicle’s valuation and sum requested

As you might expect, any provider of motorhome finance will need to protect their interests in terms of being sure that the sums they are advancing make sense against the value of the asset concerned.

What this means is that they will be reviewing the price you are proposing to pay for the motorhome against their own industry-standard valuations of such vehicles.

This is rarely a problem and exists for the protection not only of the potential lenders but also the applicant in terms of avoiding you paying more for the vehicle than it is worth.

Funding options

There are a number of funding products available and space here doesn’t permit each of them to be examined in detail.

Hire Purchase (HP) is perhaps one of the more common methods and is widely understood by both the public and motorhome finance providers. It essentially involves the finance provider purchasing a vehicle then allowing you to use it as its “registered keeper”. You will then make a monthly repayment over a period of time, at the end of which, the vehicle will become legally yours.

Specialisation

Often, you don’t have to turn to a specialist lender for motorhome finance. You may find that the dealership you are buying your Auto-Sleeper motorhome from can offer you access to a number of reputable lenders.