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Sandycove Holiday Homes Ltd


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Sandycove Holiday Homes Ltd are approved to be a ‘Black Horse Dealer’. As such we are now in the position to arrange Caravan Finance. Black Horse is the largest point of sale finance provider in the leisure market in the UK, part of the Lloyds Banking Group

Sandycove Holiday Homes Ltd is authorised by the Financial Conduct Authority as a credit broker (No. 726698) but not as a lender. 

Black Horse Hire Purchase could help you buy your dream caravan while spreading the cost. Agree an initial deposit with Sandycove and your agreement term and monthly payment amount then Sandycove will submit the finance application to Black Horse and subject to your application being approved, you can have it sited – and after you’ve made all the payments including the interest the caravan is all yours.



How it works

Choose your new caravan with Sandycove. Used caravans that will be up to 17 years at the end of the agreement can also qualify.
Black Horse buys the caravan on your behalf less any deposit that you have paid to Sandycove.
The remaining balance plus interest is then paid over an agreed period of 1 - 10 years.
Your payments are fixed costs, meaning that the APR (Annual Percentage Rate) is set before the agreement begins and will not change.
Set your payments to suit your budget – borrow any amount from £1,500 to £250,000.

What you pay

You pay a flexible deposit on the caravan. If you currently own a caravan, an agreed trade-in value with Sandycove can count towards your deposit.
Interest rates are fixed so you’ll always know the amount of each payment until the caravan is yours.
You pay over your chosen period.
After you’ve made all the payments including the interest you own the caravan.

What you need to know about Hire Purchase with Black Horse

The choice is yours. You can choose any new or used caravan that’s up to seven years old, and how long you want to make regular payments, from one to ten years*.
You can budget with confidence. Your regular repayments will always be the same throughout the agreement, giving you the reassurance you need.
Ideal if you want to own your caravan outright.
Protection under the Consumer Credit Act Termination and Satisfactory Quality Rights.
You do not own the caravan until the final payment has been made
Your caravan is at risk of repossession if you do not maintain contractual repayments
You must have fully comprehensive insurance

Why choose Hire Purchase?

Hire Purchase is a popular way to finance a caravan. It lets you choose the caravan you want, while spreading the payments to suit your budget. You’ll have the reassurance of knowing your regular monthly payments will stay the same. After you’ve made the all the payments including the interest the caravan is all yours.


Sandycove has also tried to make the process a little easier with their ‘Finance Calculator’. The ‘Finance Calculator’ allows you to vary the deposit and length of the Finance Agreement to give you an estimation of what your monthly payments would be. Your actual finance repayment will be based on your individual circumstances and we can’t guarantee being able to obtain finance at the quoted rates.

* Finance is subject to status and is only available to UK residents aged 18 and over. Finance provided by Black Horse Limited, St William House, Tresillian Terrace, Cardiff CF10 5BH. Please contact Sandycove Holiday Homes Ltd for further details.


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