United Trust Bank Berth Finance - Indicative Rates October 2026
| Scenario | APR Range | Max Term | Max LTV | Min Loan |
|---|---|---|---|---|
| Strong credit, low LTV berth purchase | 7.0%–8.5% | 10 years | 70% | £50,000 |
| Standard berth purchase | 8.5%–10.0% | 10 years | 65% | £50,000 |
| Complex ownership / older berth | 10.0%–11.2% | 7 years | 60% | £50,000 |
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.
United Trust Bank Berth Finance - What You Need to Know
United Trust Bank (UTB) is a well-regarded specialist lender known for pragmatic underwriting and a broad appetite for property and asset finance. Marina berths fall within UTB's specialist property remit, and the bank has developed experience with the niche characteristics of marina asset finance.
UTB offers rates from 7.0% APR for berth finance, sitting slightly above Shawbrook but with a similarly disciplined underwriting approach. Maximum LTV is 70%, with terms up to 10 years and a minimum loan of £50,000.
Where UTB differentiates is in its willingness to consider refinancing and equity release from existing berth holdings. If you own a berth outright or with modest borrowing and wish to release capital - perhaps to fund a vessel purchase or marina improvement - UTB is one of the few lenders who will actively underwrite this.
UTB also has experience with mixed-use marina assets, such as berths combined with boatyard facilities or storage. These more complex assets require careful packaging, and Doulton Bridging Finance's experience in presenting specialist cases to UTB's team is a real advantage for borrowers.
As with Shawbrook, United Trust requires a formal RICS valuation from an approved valuer, and legal costs will typically be borne by the borrower. Processing timelines are similar to Shawbrook - typically 4–8 weeks from application to drawdown.
Strengths
- Accepts berth refinancing and equity release
- Experience with mixed marina assets
- Pragmatic case-by-case underwriting
- Competitive specialist rates
Limitations
- 10-year max term
- 70% LTV cap
- Min £50,000 loan
- Formal RICS valuation required