Motor Yacht Finance
Finance for motor yachts and powerboats from £50,000 to £5m+. Sunseeker, Princess, Azimut, Fairline, Riva, and Sealine. Marine mortgage, hire purchase, and sale-and-leaseback from specialist marine lenders who understand motor yacht values.
The right structure for every motor yacht requirement
Sports Cruiser Finance
Finance for sports cruisers and express cruisers from £50,000. Sunseeker Predator, Fairline Targa, Princess V-series, and Sealine. Hire purchase over 5-10 years from specialist marine lenders.
Flybridge Motor Yacht Finance
Finance for flybridge motor yachts from £150,000 to £2m+. Sunseeker Manhattan, Princess F-class, Azimut Flybridge, and Beneteau Gran Turismo. Specialist lenders comfortable at higher vessel values.
Long-Range Cruiser Finance
Finance for displacement and semi-displacement long-range cruisers designed for extended offshore passages. Nordhavn, Selene, and custom build. Specialist marine mortgage structures over 10-15 years.
Marine Mortgage
Long-term marine mortgage finance for motor yachts used as primary vessels or charter fleet. Terms to 15 years, lower monthly payments than hire purchase. The right structure for higher-value motor yachts.
Hire Purchase
Own the motor yacht outright at the end of the term. Fixed monthly payments over 5-10 years. Capital allowances where the vessel is used commercially. The standard structure for leisure motor yacht ownership.
Charter Fleet Finance
Finance for motor yachts used commercially in charter. Specialist lenders who understand charter income, seasonal revenue, and the commercial use disclosure requirements that standard leisure finance does not accommodate.
How it works
Vessel details
Manufacturer, model, LOA, year, engine type, condition, flag, and intended use - leisure, charter, or mixed. We assess lender fit immediately.
Marine lender sourcing
We source marine mortgage and hire purchase terms from specialist marine lenders. Indicative terms typically within 48-72 hours.
Marine survey
All marine lenders require a professional out-of-water survey by a RINA or IIMS-accredited surveyor. We advise on the process and what lenders require.
Completion
Marine finance completion involves specialist maritime solicitors. We coordinate with all parties and ensure correct security registration.
Ready to discuss Motor Yacht Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Lender Rate Pages
Compare indicative rates, maximum terms and LTV for every major UK motor yacht finance lender. Updated October 2026.
Investec Private Finance
HNW private bank rates. Min £250k. 5.2%–7.8% APR, 15yr, 70% LTV.
Lombard
NatWest Group. 5.5%–8.5% APR, 12yr, 75% LTV, min £50k.
Close Brothers
Marine specialist. 5.7%–9.2% APR, 15yr, 80% LTV, min £25k.
Black Horse
Lloyds Group. 5.9%–8.9% APR, 15yr, 80% LTV, min £25k.
Barclays
Major clearing bank. 6.2%–9.5% APR, 15yr, 75% LTV, min £50k.
Yorkshire Bank
Virgin Money Group. 6.3%–9.5% APR, 12yr, 75% LTV, min £50k.
Pegasus
Marine specialist. 6.4%–10.2% APR, 20yr, 85% LTV, min £10k.
United Trust Bank
Specialist challenger. 6.5%–9.8% APR, 15yr, 75% LTV, min £50k.
Shawbrook
Challenger bank. 6.8%–10.5% APR, 10yr, 70% LTV, min £50k.
Aldermore
Challenger bank. 6.9%–10.4% APR, 10yr, 70% LTV, min £50k.
Together Money
Non-standard specialist. 7.2%–11.8% APR, 10yr, 70% LTV, min £50k.
Rankin
Flexible specialist. 7.8%–13% APR, 20yr, 85% LTV, min £10k.
OEM Finance vs Independent Broker
Buying a Sunseeker, Princess or Fairline? Compare dealer finance against a whole-of-market broker before committing.
Sunseeker Financial Services vs Broker
Is Sunseeker's dealer finance competitive? Full comparison including rates, LTV and independence.
Princess Yachts Finance vs Broker
How does Princess dealer finance compare to the whole of market? Side-by-side breakdown.
Fairline Finance vs Broker
Fairline dealer finance or independent broker - which gives you the better deal?
Guides & Rate Comparisons
Best Motor Yacht Finance Rates October 2026
Full rate table across all 12 lenders. Who leads on rate, LTV and term length.
How to Finance a Motor Yacht: Complete Guide
Products, lenders, process and worked example. Everything you need to know before applying.
Balloon HP for Motor Yachts: Is It Right for You?
How balloon hire purchase works, who it suits and how to manage the deferred payment at term end.
Guides & Lender Pages
Best Motor Yacht Finance Rates October 2026
Live rate comparison for motor yachts across our full lender panel. Read more →
Black Horse Motor Yacht Finance
UK's largest marine HP provider - rates and criteria for motor yachts. Read more →
Close Brothers Motor Yacht Finance
Mid-market specialist with flexible HP and lease products. Read more →
Frequently asked questions
What motor yacht makes can be financed?
All major manufacturers - Sunseeker, Princess, Azimut, Fairline, Riva, Sealine, Beneteau, Cranchi, Jeanneau, Ferretti, and others. New and used vessels from established UK and European builders.
Does charter use affect the finance?
Yes - lenders must be informed if the vessel will be used for commercial charter. Charter use affects the product type, advance rate, and insurance requirements. We advise on the right structure for your intended use before approaching any lender.
What LTV is available on a motor yacht?
Typically 70-80% of the vessel's surveyed open market value for leisure motor yachts. Charter vessels and older boats may attract lower advance rates. We advise on realistic LTV before starting the application.
Can a foreign-flagged motor yacht be financed?
UK-registered vessels are preferred by most UK marine lenders. Foreign-flagged vessels can be financed through specialist lenders, though the advance rate and terms may differ. Re-flagging to the UK Red Ensign register before finance often produces better terms.
How long does motor yacht finance take?
Indicative terms within 48-72 hours. Full credit approval following a satisfactory marine survey - typically 1-3 weeks depending on survey availability. We manage the process throughout.
Can I get motor yacht finance for a vessel based abroad?
Yes. Vessels moored in European marinas are generally acceptable to most lenders, provided the vessel is on the UK Ship Register. Further afield berths are assessed case by case.
What deposit do I need for a motor yacht?
Typically 15–25% of the purchase price or survey value, whichever is lower. Newer vessels from dealers may attract lower deposit requirements.
Can a limited company get motor yacht finance?
Yes. Commercial and business motor yacht finance is available on HP, finance lease and marine mortgage structures. We specialise in business marine lending and can advise on the most tax-efficient structure.
Explore related pages
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