Superyacht Finance
Discreet, bespoke superyacht finance for vessels 30 metres and above. Private bank lending, structured marine finance, and specialist yacht mortgage from lenders who serve high-net-worth and ultra-high-net-worth clients. Independent advice across the full market.
The right structure for every superyacht requirement
Private Bank Superyacht Lending
Access to the private banking desks of specialist marine lenders. EFG, Weatherbys, and relationship-driven institutions who understand the wealth profiles and asset management expectations of superyacht owners. Discreet, structured, and tailored to each client.
Superyacht Mortgage
Long-term secured finance against the vessel as a primary asset. LTV ratios for superyachts typically sit at 50-65% of open market value - reflecting the specialist nature of the asset and lender risk appetite at this level.
Structured Finance & Corporate Ownership
Finance structured through BVI, Cayman, or Channel Islands holding structures. Many superyacht owners hold through an SPV for liability, tax efficiency, and crew management purposes. We work with lenders and lawyers familiar with these structures.
New Build Finance
Finance for superyachts under construction at European and international shipyards. Stage payment structures aligned with the build programme - drawdowns as construction milestones are reached.
Superyacht Refinance & Sale-Leaseback
Release capital from a superyacht already owned. Specialist lenders assess the vessel's current open market value and structure a refinance facility accordingly. Useful for liquidity management without selling the vessel.
Charter Fleet Superyacht Finance
Finance for commercially registered superyachts deployed in the charter market. Charter income is assessed alongside the owner's personal wealth. MCA Large Yacht Code compliance and flag registration are key lender considerations.
How it works
Confidential briefing
Vessel specification, ownership structure, and financing objectives. We conduct all preliminary discussions in strict confidence before approaching any institution.
Lender identification
We identify the private banking relationships and specialist marine lenders most likely to engage, based on vessel type, ownership structure, and the client's wealth profile.
Structured proposal
A structured finance proposal is prepared and presented. Superyacht finance is relationship-driven at this level - the proposal quality and our existing lender relationships determine the speed of engagement.
Survey, legal, and completion
Full RINA-accredited survey, maritime legal due diligence, and security registration. We coordinate all parties through to drawdown.
Ready to discuss Superyacht Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
About Superyacht Finance
Superyachts - typically defined as vessels over 24m or valued above £500,000 - sit at the premium end of the marine finance market and are almost exclusively financed through private banking relationships or specialist lenders. The UK market is served by a combination of global private banks (Coutts, HSBC Private, Barclays Private) and specialist marine lenders (Lombard, Close Brothers, Pegasus Marine Finance).
Rates range from 4.2% APR (Coutts, for UHNW private banking clients) to 9.2% APR (Pegasus, maximum leverage at 75% LTV). The right lender depends on your financial profile, vessel value, intended use and ownership structure objectives. Doulton Bridging Finance provides whole-of-market access and helps clients navigate the complexity.
Superyacht Finance Lender Rates - October 2026
| Lender | Rate (APR) | Max LTV | Max Term | Min Loan | Type |
|---|---|---|---|---|---|
| Investec | 4.8%–7.2% | Up to 70% | Up to 15 yrs | £500,000 | Private Bank / Specialist Lender |
| Lombard | 5.2%–7.8% | Up to 65% | Up to 12 yrs | £500,000 | Specialist / RBS Group |
| Barclays Private Bank | 4.5%–6.9% | Up to 65% | Up to 15 yrs | £1,000,000 | Private Bank |
| HSBC Private Bank | 4.3%–6.5% | Up to 65% | Up to 15 yrs | £1,000,000 | Global Private Bank |
| Coutts | 4.2%–6.8% | Up to 60% | Up to 15 yrs | £1,000,000 | Royal Private Bank |
| Close Brothers | 5.5%–8.5% | Up to 70% | Up to 15 yrs | £250,000 | Specialist Finance House |
| Pegasus Marine Finance | 5.9%–9.2% | Up to 75% | Up to 20 yrs | £100,000 | Specialist Marine Lender |
| Credit Suisse UK | 4.6%–7.0% | Up to 65% | Up to 15 yrs | £1,000,000 | International Private Bank (UBS Group) |
Lender Detail Pages
Investec
4.8%–7.2% APR • Up to 70% LTV • 15-year terms • Min £500,000 View rates & details →
Lombard
5.2%–7.8% APR • Up to 65% LTV • 12-year terms • Min £500,000 View rates & details →
Barclays Private Bank
4.5%–6.9% APR • Up to 65% LTV • 15-year terms • Min £1,000,000 View rates & details →
HSBC Private Bank
4.3%–6.5% APR • Up to 65% LTV • 15-year terms • Min £1,000,000 View rates & details →
Coutts
4.2%–6.8% APR • Up to 60% LTV • 15-year terms • Min £1,000,000 View rates & details →
Close Brothers
5.5%–8.5% APR • Up to 70% LTV • 15-year terms • Min £250,000 View rates & details →
Pegasus Marine Finance
5.9%–9.2% APR • Up to 75% LTV • 20-year terms • Min £100,000 View rates & details →
Credit Suisse UK
4.6%–7.0% APR • Up to 65% LTV • 15-year terms • Min £1,000,000 View rates & details →
Guides & Resources
Best Superyacht Finance Rates Guide
Compare all lenders by rate, LTV and suitability. Updated October 2026.
How to Finance a Superyacht in the UK
Complete guide to structures, lenders, tax and survey requirements. Includes £2m worked example.
Financing a Superyacht as a Charter Business
VAT, MCA compliance, lender appetite and charter business structuring. Complete guide.
Guides & Lender Pages
Frequently asked questions
What defines a superyacht for finance purposes?
Most specialist lenders define a superyacht as a vessel over 24 metres (78ft) LOA, though the more commonly used threshold for the private banking tier of lending is 30 metres and above. Below this, standard specialist marine mortgage products apply.
What LTV is available on a superyacht?
Typically 50-65% of the vessel's current open market value as assessed by a specialist superyacht valuer. The LTV reflects the illiquid nature of the superyacht market and the cost of repossession and re-sale.
Do lenders require assets under management as a condition of superyacht finance?
Some private banking relationships expect assets under management in return for superyacht lending. We advise on which lenders require this, and which do not, before approaching any institution.
Can finance be structured through a corporate entity?
Yes - superyacht finance through BVI, Cayman, Jersey, or Guernsey holding structures is standard practice. The lender takes a charge over the vessel and may require a personal guarantee from the beneficial owner.
Is discretion maintained throughout the process?
Yes - all enquiries are handled in strict confidence. We do not share client details with lenders without explicit permission, and all preliminary discussions are conducted between DBF and the client before any formal approach to a lending institution.
What is the minimum vessel size for superyacht finance?
Private bank and specialist superyacht lenders typically become relevant for vessels over 24 metres or with a value exceeding £1 million. Below this, standard HP and marine mortgage lenders are usually more efficient.
Is superyacht finance regulated?
Superyacht finance is typically unregulated under the Consumer Credit Act, as transactions are almost always above the regulatory threshold or structured as business lending.
How long does superyacht finance take to arrange?
Simple cases with existing private banking relationships can move in 2–4 weeks. New relationships, cross-border structures and new builds take longer - typically 4–12 weeks from initial enquiry to drawdown.
Can I finance a superyacht as a charter investment?
Yes. Charter yield finance structures are available where the vessel's projected charter income forms part of the repayment case. We have experience with this structure and can advise on appropriate lenders.
Explore related pages
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