Offshore Helicopter Finance Rates - October 2026
Offshore helicopter finance is a specialist segment requiring lenders with a genuine understanding of AOC operations, contract-backed income, and the residual value profile of turbine helicopters used in demanding commercial environments. The table below compares rates from lenders active in the UK offshore market.
| Lender | Rate From | Max LTV | Max Term | Best For |
|---|---|---|---|---|
| Lloyds Aviation Finance | 6.2% | 85% | 10 years | Established North Sea operators |
| Investec | 6.3% | 80% | 12 years | Contract-backed offshore fleets |
| HSBC Aviation Finance | 6.4% | 80% | 10 years | Large operators, strong covenants |
| Close Brothers | 6.5% | 75% | 7 years | SME offshore & renewables operators |
| AIB (Allied Irish Banks) | 6.6% | 75% | 10 years | Irish Sea & Celtic Sea operations |
| Lombard (NatWest Group) | 6.7% | 70% | 7 years | Flexible structure, SME operators |
Key Factors Affecting Your Offshore Helicopter Finance Rate
AOC Status
Holding a full Air Operator Certificate (AOC) for commercial passenger or cargo operations significantly strengthens your application and unlocks lenders who would not consider non-AOC borrowers for offshore use.
Contract Cover
Long-term offshore service contracts with oil majors, wind farm operators or government bodies provide the revenue visibility lenders need. Contracts of 3+ years can materially improve your rate and LTV.
Aircraft Type & Age
Turbine helicopters from AgustaWestland, Airbus Helicopters and Sikorsky retain value well in offshore roles. Newer aircraft with full manufacturer support attract more competitive rates.
Operator Track Record
A history of safe, profitable offshore operations - including safety management systems, maintenance records and prior finance conduct - supports a stronger application.