Together Money Berth Finance - Indicative Rates October 2026
| Scenario | APR Range | Max Term | Max LTV | Min Loan |
|---|---|---|---|---|
| Strong credit, low LTV berth purchase | 6.5%–8.0% | 15 years | 75% | £25,000 |
| Standard berth purchase | 8.0%–9.5% | 15 years | 70% | £25,000 |
| Complex ownership / older berth | 9.5%–10.5% | 10 years | 65% | £25,000 |
Rates are indicative for October 2026. Actual terms depend on berth type, marina, applicant profile and loan-to-value. Speak to us for a personalised illustration.
Together Money Berth Finance - What You Need to Know
Together Money is the UK's leading specialist property lender, built around cases that don't fit the high-street mould. Marina berths and moorings sit squarely in Together's target market: unusual property with unconventional title structures, leasehold complexities or limited comparables.
Where Shawbrook or Aldermore might decline a right-to-use arrangement or a long-leasehold berth with limited trading history, Together will typically underwrite it on merit. Their underwriters are experienced with marina-side assets and understand that the value of a berth is driven by location, marina quality and demand rather than conventional residential metrics.
Rates from Together start at 6.5% APR for strong applicants purchasing freehold or long-leasehold berths at established marinas. Right-to-use licences and shorter leases attract higher rates, typically in the 9%–10.5% range, reflecting the additional title risk the lender carries.
Together will lend up to 75% LTV against the assessed value of the berth, with terms up to 15 years - one of the most generous structures available for marina berth finance in the UK market. Minimum loan is £25,000, which covers most smaller berth purchases and refinances.
For brokers and buyers, Together's key advantage is consistency: they don't suddenly decline a case at valuation because the asset is unusual. If Together's BDM says they'll look at it, they will. Doulton Bridging Finance has placed a number of berth and mooring cases with Together and can position your application correctly from the outset.
Strengths
- Accepts right-to-use and leasehold berths
- 15-year max term
- 75% LTV - among highest available
- Minimum loan just £25,000
- Case-by-case underwriting for complex titles
Limitations
- Rates higher than mainstream for standard cases
- Not suitable for commercial-only mooring operations
- Requires specialist valuation