Catamaran Finance
Finance for sailing and power catamarans. Lagoon, Fountaine Pajot, Leopard, Outremer, and Sunreef catamarans on marine mortgage or hire purchase. Charter fleet and liveaboard catamarans financed by specialist marine lenders who understand the growing cat market.
The right structure for every catamaran requirement
Sailing Catamaran Finance
Lagoon 40-620, Fountaine Pajot Elba/Alegria, Leopard 45-58, and Outremer 45-55. Finance for leisure cruising, liveaboard, and charter catamaran purchases. Specialist lenders who understand catamaran values.
Power Catamaran Finance
Leopard PowerCat, Fountaine Pajot MY series, and Sunreef Power. Finance for long-range power catamaran cruisers used for leisure and extended liveaboard voyaging.
Charter Catamaran Finance
Catamarans are the dominant vessel in the bareboat charter market. Finance for charter fleet additions - lenders who understand seasonal charter income and the BVI, Greece, and Croatia charter markets.
Liveaboard Catamaran Finance
Finance for catamarans used as permanent or semi-permanent liveaboard accommodation. The stability, space, and shallow draught of catamarans make them a popular liveaboard choice - specialist lenders understand this use case.
Marine Mortgage
Long-term marine mortgage over 10-15 years - appropriate for higher-value catamarans where a long-term ownership plan justifies the lower monthly cost versus hire purchase.
New Build Catamaran Finance
Finance for new catamarans ordered from the builder - Lagoon, Fountaine Pajot, and Leopard all offer new build programmes. Stage payment structures aligned with build milestones.
How it works
Vessel details
Manufacturer, model, LOA, year, rig type, condition, flag, and intended use - leisure, liveaboard, or charter.
Lender sourcing
Specialist marine lenders with catamaran experience. Catamarans are well-understood by the specialist marine lending market - indicative terms within 48-72 hours.
Marine survey
Full out-of-water survey. Catamarans require surveyors experienced in multi-hull assessment - we advise on appropriate surveyors.
Completion
Maritime solicitors, security registration, and completion. We manage the full process.
Ready to discuss Catamaran Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Catamaran Lender Rates - October 2026
Black Horse
Up to 80% LTV · 15-year max term · from £25k View rates →
Close Brothers
Up to 80% LTV · 15-year max term · from £25k View rates →
Lombard
Up to 75% LTV · 12-year max term · from £50k View rates →
Pegasus Marine Finance
Up to 85% LTV · 20-year max term · from £10k View rates →
Shawbrook Bank
Up to 70% LTV · 10-year max term · from £50k View rates →
United Trust Bank
Up to 75% LTV · 15-year max term · from £50k View rates →
Together Money
Up to 70% LTV · 10-year max term · from £50k View rates →
Rankin Finance
Up to 85% LTV · 20-year max term · from £10k View rates →
Guides & Comparisons
Best Catamaran Finance Rates October 2026
Full comparison table across all eight lenders - find the best rate for your profile and deposit. Compare all rates →
How to Finance a Catamaran in the UK
HP vs marine mortgage, flag state, surveys, worked example on a £350,000 Lagoon 50. Read the guide →
Financing a Catamaran for Charter
Which lenders accept charter income, ownership structures, and evidence required. Charter finance guide →
Fountaine Pajot Finance vs Broker
Compare captive manufacturer finance against whole-of-market broker access. Read comparison →
Lagoon Catamarans Finance vs Broker
Is Lagoon's dealer finance the best route - or does a broker deliver better terms? Read comparison →
Why Catamaran Finance Needs a Specialist
Catamarans are among the most complex assets in the leisure marine finance market. Unlike a standard sailing monohull, a catamaran purchase involves a set of specific underwriting questions that most lenders have limited experience navigating: flag-state registration (the majority of popular models are French-registered at point of sale), catamaran-specific valuation methodology, charter income structures, and twin-hull specific survey requirements.
Doulton Bridging Finance works with eight specialist catamaran lenders - spanning prime bank-backed lenders through to flexible specialist finance houses - and applies catamaran-specific knowledge at every stage. We advise on flag-state options before application, structure income presentation to suit each lender's criteria, and ensure survey documentation meets each lender's specific requirements.
The result is a genuine whole-of-market comparison that produces better terms than applying to a single lender directly - and faster outcomes than navigating the application process blind.
Guides & Lender Pages
Frequently asked questions
Are catamarans treated differently from monohulls by marine lenders?
Some lenders have historically been more cautious about catamarans due to perceived resale market depth. However, the enormous growth of the charter catamaran market has significantly improved lender appetite. Most specialist marine lenders now fund catamarans on similar terms to monohulls.
Can a charter catamaran be financed on a leisure product?
No - commercial charter use must be disclosed and the appropriate commercial finance product arranged. We advise on the correct structure for mixed use (personal and charter) versus pure commercial charter.
What is the advance rate on a catamaran?
Typically 70-80% of the surveyed open market value. Well-maintained catamarans from major builders retain strong values due to the depth of the charter fleet demand.
Can I finance a catamaran currently berthed in the Mediterranean?
Yes - specialist marine lenders finance vessels berthed abroad. The flag and berthing jurisdiction affect the specific lender options available.
Is new build catamaran finance available?
Yes - stage payment structures aligned with build milestones are available from specialist lenders. We advise on the process for ordering new from Lagoon, Fountaine Pajot, and Leopard.
Is catamaran finance more expensive than monohull finance?
Not necessarily, but some lenders apply slightly higher rates or lower LTVs to catamarans. By working with lenders specifically comfortable with multihulls, we often match or beat monohull HP rates.
Can I finance a Lagoon, Leopard or Fontaine Pajot catamaran?
Yes. Production catamarans from established brands are well accepted by specialist lenders on our panel. New vessels from authorised dealers are particularly straightforward.
What is the maximum term for catamaran HP?
Up to 15 years for sailing catamarans; up to 10 years for power catamarans. Longer terms are available in some cases through marine mortgage structures.
Explore related pages
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