Have a Question?
Making the move to a park home for your retirement can be a big step and a major investment. We aim to make this decision and investment as easy and rewarding as it can be and feel that one of the key components of this is making sure you are well informed and can make the decision with all of the facts in front of you. For this reason we are always happy to take the time to talk to you and you are welcome to give us a call or arrange to meet us on site to talk through your needs and concerns at any time. We have put together some of the most popular questions we get asked on a regular basis to give you a head start, but please feel free to call us if there is anything you don’t understand or you have a question we havent covered.
Park homes are modern, timber framed homes located on privately owned parks. In law these homes are known as “Mobile Homes” and are covered by their own legislation, The Mobile Homes Act 2013. They are built to comply with British Standard BS 3632, which dictates stringent Health and Safety standards and requires high levels of insulation for year-round occupation.
Park homes have very efficient double glazing and energy-efficient combi boilers as standard. All National Park Homes Council (NHPC), manufacturers’ homes carry an approved badge. This signifies that the home has been inspected and approved through the NPHC Certification Scheme and comply with the correct standard.
For the quiet and peaceful lifestyle! Our parks are communities designed for the over 50s. They provide a safe and secure environment where you will have the peace of mind of belonging to a community of people of similar age, knowing that any time a home is sold your neighbours will still remain, over 50’s and the environment will remain safe and peaceful.
There is also the benefit of releasing the capital from a larger property with which you can enjoy your retirement!
No. Park homes are covered by a unique form of legal tenure under which the park owner continues to own the land on which the home is sited, but the occupier owns the home itself. The Mobile Homes Act 2013 gives wide-ranging rights allowing occupation of a pitch on the park as a resident, almost indefinitely.
The legal relationship between you and the owner is governed by a very important agreement known as the “Written Statement”. This agreement is transferred to the new occupier whenever a park home is sold on the park.
Under the Mobile Homes Act, all prospective owners of park homes purchasing the home from the park owner must receive a written agreement from the park owner at least twenty-eight days before they complete their purchase, to give them time to understand exactly how things will work.
The Written Statement is the most important document you will receive as it sets out the terms on which you are entitled to keep your home on the park and explains your rights in law.
Once the agreement is signed, you will need to keep it safe. If you buy a used park home, you will take over the existing Written Statement from the previous occupier. This will need to be formally transferred to you, requiring signatures from the seller and you as well as confirmation from the park owner that the correct procedure has been adhered to, before you can move into your home. You must make sure that the correct procedure is followed when purchasing a pre-owned park home. The right to keep the park home on the park is not legal until the outgoing occupier has discharged any payments for pitch fees, electricity and the likes to the park owner, any commission due to the park owner has been paid and the form of assignment for the Written Statement has been correctly completed and signed by the seller and buyer..
Other documents you should receive include:
• Park rules, which will deal with matters such as occupiers minimum age, communal parking arrangements and whether pets are allowed.
And, if the home is new;
• Information about how to apply for a Gold Shield Warranty Certificate.
• Home Manufacturer's Owners'; Handbook for your home, with details such as how the home should be maintained and usually including handbooks and instructions to any appliances included in the home
Yes. Council Tax is payable on park homes (as on all residential homes). The amount payable will depend upon the individual Council Tax band assessed by the Council Tax Valuation Office. For further information, contact the Council Tax department of the relevant local authority (see 'further information' for the appropriate park).
Yes. The payment of commission on the sale of a park home recognises the park owner's investment and interest in the land and park infrastructure. The current commission rate is 10% which is set by government rather than park owners. When a home is sold, the purchaser acquires the park home (which they then own outright) together with the right to keep it on the park owner's land granted upon assignment of the Written Statement.
No. Stamp duty is payable on a transfer, conveyance or lease of land. As the park owner retains ownership of the land where the home is sited, no stamp duty is payable.
Yes. All of our parks allow pets, although this is at the park owner's discretion. Pets should be well behaved and friendly to ensure that they do not cause a nuisance to other park home residents.
No. All our parks are for over 50s, so children are not allowed to live on site, they are however, welcome to visit for holidays, weekends etc.
A pitch fee is paid monthly to the site owner. The pitch fee will form part of your agreement (the Written Statement) it includes charges to cover the site's running costs such as street lighting, road and service maintenance.
The pitch fee is increased yearly. It is only allowed to be increased in line with your agreement, which is strictly governed to prevent park owners increasing the fee excessively. The increase is generally in line with RPI
Yes. All mobile home sites are licensed by the local authority. Copies of licences (which may differ between authorities) are available to view upon request.
Yes. All parks must have planning permission from the local authority and copies of ours are available to view upon request.
Yes. Park homes can be sold on the open market, they do not have to be sold to or through the park owners although they must be sold to someone over the age of 50 to ensure that the park stays a retirement/semi-retirement park.
Yes. The home can be passed on just as any other possession. If the home is left to a spouse or partner who is in occupation, the surviving partner will inherit the rights to the park home and can continue to live on the park. If the inheritor is under 50 they cannot move into the home but they can sell the home on the open market. The 10% commission is not payable at the time the home is inherited but would be payable if the home is sold.
Yes. Finance is available but it is best to use a specialist in park home finance that understands park home law and is used to dealing with retired applications. We are happy to give details of this type of finance provider.
Yes. Pre-owned homes regularly come into the market. These are private sales, and the agreement is transferred from the old owner to the new. The park owner will need to approve any new purchaser although approval cannot be unreasonably withheld, unless a valid reason is given. If the home is less than 10 years old the remaining part of its Gold Shield Warranty will be passed on to the new resident.
Yes. A park home is that they can be finished to your own individual particular needs, so we can arrange the installation of ramps and handrails for access, if necessary.
Most park homes are now supplied new with a ten year Gold Shield Warranty. Gold Shield covers the cost of remedial work that may be required in the unlikely event of an inherent defect in the load bearing structure of your new park home over a ten year period from the date the home was first purchased. In addition, in the first year, you are entitled to cover for every part, component, fixture and fitting in your new home. However, the Gold Shield warranty is not insurance, so it does not replace the need for home cover.
In a word, yes. Modern park homes are built to a very high standard and the quality is closely regulated. They are double-glazed and built to BS 3632 which requires high levels of insulation for year-round occupation. Park homes usually require less energy than traditionally built homes. Many manufacturers are now offering eco-friendly park homes with extra emphasis on low running costs as well as having a smaller carbon footprint, for example using solar panels to provide electricity and making use of rainwater. Even without going to these extremes standard park homes are very easy to keep warm and maintain with low running costs
Yes. The external coating has to be painted within certain time periods to maintain the home properly, usually every 3 to 5 years depending on the manufacturer, but other than that, which is a small and very low cost job, there really is extremely little maintenance required, with PVC glazed windows, decor tile roof and brick skirts park homes are designed to be extremely low maintenance so that you can enjoy your retirement without having to worry about jobs around your home.
Telephone lines are laid to each home ready to be connected and assigned a number. You will need to pay a standard connection charge to BT at the time you move in if you want the phone line activating. Details on water, sewerage, gas and electricity can be found on each of the parks individual pages.
There are many specialist park home insurers in the uk as well as the normal household insurance providers. We recommend that you obtain quotes and compare prices and levels of cover.
There is no legal necessity to appoint a Solicitor or Surveyor when buying a park home. However, we recommend that you do appoint a Solicitor to handle the purchase of a new or pre-owned park home. We do not personally recommend any particular company and would advise obtaining written details and quotes for any services required.