by Samantha Baylis
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10 Mar, 2020
Q. CAN I LIVE IN A PARK HOME? Yes, and there are two key elements you need to look for if you’re planning to do that. First the park must have a residential licence as without it the homes will not have the protection of the Mobile Homes Act. If it doesn’t have residential planning permission it is likely to be a holiday site meaning you must have a different permanent residential address. Make sure you check the park’s site licence before you buy. Q. WON’T I BE COLD IN WINTER? This takes us to the second element you need to look for - that the home or lodge is built to residential build standard BS 3632 as this is designed to be suitable for all-year round occupation. Build standards are now higher than ever for park homes now ensuring longevity, high insulation values, great solidity underfoot – everything is designed to make the home comfortable and healthy to live in – from the amount of light and airflow down to safety and accessibility. Q. SO CAN I LIVE IN A LODGE ON A RESIDENTIAL LODGE PARK? If it is built to residential standard BS:3632 and the park’s licence is for residential use, yes! Q. SO IT’S ABOUT THE PARK LICENCE AND BUILD STANDARD, NOT THE LOOK OF THE HOME? Yes. That’s the best way to avoid confusion. There are residential lodge parks, and there are holiday parks which have homes on them which are built with a bit of a residential look on the outside and may be open 12 months of the year, but they’re still holiday homes if the licence is for leisure use! Q. CAN I RENT OUT MY RESIDENTIAL PARK HOME? No. The park licence will generally not permit sub-letting. Q. DO I NEED A SURVEY? If you’re buying an older home it’s advisable to get a full survey from an industry expert such as Subject II Survey. Q. WILL I BE FREE TO DO WHAT I WANT IN MY HOME? Yes and no. In fact buying a residential park home can be very liberating as they are easy to maintain and economical to run. You will have a Written Agreement and there will be a set of Park Rules and guidelines outlining what you can and can’t do. For example, if pets are permitted or can be replaced, if you need permission to make changes to your plot or park home, who can stay with you and how long for, and age restrictions. There are a lot of positive elements in these agreements designed to avoid problems later on, and they help the park owner keep the park in a good condition for all. Q. WILL I BE CHARGED COUNCIL TAX? Yes. Usually they fall into the lowest band (A) but you should always check before you buy. Q. CAN I GET A MORTGAGE ON A PARK HOME? Because of the unique legal tenure of park homes and that you won’t be buying an interest in the land on which the park home is situated, most high street mortgage lenders would not provide you finance for a park home. However, other finance options are available, and don’t forget the part-exchange option. Many find this stress-free way to move, ensuring you don’t have to wait, can enjoy price certainty at both ends and you don’t necessarily even have to move in one day if you’re worried that it will be too tiring that way. Q. WHAT’S INCLUDED IN THE PRICE? The home, all fixtures, fittings, siting and connection to services. Today’s park homes come fully furnished and with well-equipped kitchens and curtains and blinds already up – no need to spend the first day wrestling with step-ladders and curtain rails – you can just walk in and start filling the cupboards, it’s so easy! Q. WHAT CAN I ADD? If you’re buying a home already sited you’ll be able to see what’s included when you visit it. For a home you might be buying ‘off plan’ for a plot it’s worth a check on which white goods are included in case you want to add anything, and can choose from several options and additional extras. For instance you could add a wine chiller, ambient lighting, an upgrade on your oven/ hob, or perhaps you’d like something special such as a log burner in the living area or in-built Smart technology so you can control your environment by the press of a button or voice control – it’s all possible, and very exciting! Forget the vision of dated park homes from the early years – they are some of the most cutting-edge and exciting homes available in the UK nowadays! Q. WHAT’S A PITCH FEE AND HOW MUCH WILL IT COST? To occupy a home on a park, you will be be charged a regular pitch fee, usually monthly or annually. This covers the park’s running costs, including items such as sewerage, water, maintenance of communal areas etc. Make sure you know what these charges are and when and how they can be increased. Q. WILL I BE CHARGED MORE FOR MAINS GAS OR ELECTRICITY IN A PARK HOME? No. The energy regulator, Ofgen, issued a direction under the Utilities Act 2000 to ensure that gas or electricity can only be resold at the same price as that paid for by the person reselling it. Q. IS BUYING AND SELL- ING SECOND HAND A BIT OF A MINEFIELD? If you have acquired your park home after May 2013, you can sell your home on the open market without having the new home buyer approved by the park site operator. If you are buying a used park home you will take over the existing Written Statement from the outgoing occupier, and it will need to be formally transferred to you. The seller will also need to complete a Buyer’s Information Form, Notice of Proposed Sale, Assignment Form and Notice of Assignment Form. Q. CAN I LEAVE MY PARK HOME TO SOMEONE ELSE? Your park home is a valuable asset. Although you do not own the land on which your home is situated, you still have the right to bequeath it. However, the law treats a park home as a chattel, in the same way as a car or boat, so the wording of your will is important. Q. WHAT IF I WANT TO SELL? There is an Implied Term under the Mobile Homes Act (1983) that the park site owner is entitled to receive a commission on the sale of a park home at a rate not exceeding 10% of the sale price. The buyer must retain 10% of the purchase price to pay the park site owner. The situation is changing in Wales only though. If you are worried about any aspect of the buying or selling process it is advisable to engage a specialist solicitor who will make it all easy and ensure your rights are protected.