Boat Finance
Finance for all types of boat - sailing yachts, motor boats, narrowboats, canal boats, RIBs, and houseboats. Hire purchase, marine mortgage, and marine loans from specialist lenders. The right finance for the right boat from 130+ specialist panel lenders.
The right structure for every boat requirement
Sailing Yacht Finance
Finance for sailing yachts - club racers through to bluewater cruisers. Bavaria, Beneteau, Jeanneau, Hanse, and all major brands. Marine mortgage and hire purchase.
Motor Boat Finance
Finance for motor yachts, powerboats, and cruisers. Sunseeker, Princess, Fairline, and Sealine. Hire purchase and marine loans.
Narrowboat & Canal Boat Finance
Finance for narrowboats and canal boats on the inland waterway network. Specialist marine mortgages and loans for leisure and liveaboard buyers.
RIB & Speedboat Finance
Finance for rigid inflatable boats, sports boats, and performance powerboats. Faster decisions, smaller facilities from specialist leisure marine lenders.
Commercial Boat Finance
Finance for fishing vessels, charter boats, workboats, and commercial vessels. Specialist lenders who understand commercial marine income.
Marine Mortgage
Long-term secured lending against any vessel type. Appropriate for higher-value boats where longer terms and lower monthly payments are priorities.
How it works
Tell us about your boat
Vessel type, manufacturer, size, age, condition, and intended use. We identify the right specialist lenders immediately.
Competitive terms
We source marine finance from specialist lenders who understand your specific vessel type. Not all lenders cover all boat types - matching correctly is the key to fast approval.
Approval and survey
Most marine lenders require a professional survey. We advise on the survey process and what to expect.
Completion
We settle with the seller. The boat is yours while you spread the cost.
Ready to discuss Boat Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
What types of boat can be financed?
All types - narrowboats, sailing yachts, motor yachts, powerboats, RIBs, houseboats, commercial fishing vessels, charter boats, and workboats. Each vessel type is matched to the appropriate specialist lender from our panel.
Is boat finance the same as marine finance?
Yes - 'boat finance' and 'marine finance' describe the same category of specialist lending. The terminology varies by vessel type and audience; we use whichever term the client uses.
Can I get boat finance with bad credit?
Specialist marine lenders assess the vessel value and the overall financial profile - not just a credit score. A larger deposit and a strong asset value can support finance for buyers with imperfect credit histories.
How much deposit do I need for boat finance?
Typically 20-25% for most vessel types. Specialist assets (Dutch barges, superyachts) may require 25-35%. Strong credit profiles and established marine finance history can reduce the deposit requirement.
Is boat finance regulated by the FCA?
Marine finance for commercial and leisure vessels is generally unregulated. Marine mortgages against vessels used as primary residences may attract FCA regulation. We advise on the regulatory position for your specific enquiry.
Explore related pages
Before you commit to a structure
Speak to an asset finance specialist
130+ specialist lenders. 8am-8pm, Monday-Sunday.