Investec Private Finance Motor Yacht Finance Rates - At a Glance
| Parameter | Detail |
|---|---|
| Indicative APR range | 5.2% – 7.8% APR |
| Maximum term | 15 years |
| Maximum LTV | 70% |
| Minimum loan | £250,000 |
| Finance type | Hire Purchase / Marine Mortgage / Balloon HP |
| Vessel types accepted | Motor yachts, cruisers, sports boats (GRP, steel, aluminium) |
| New & used | Both considered |
| Rate as at | October 2026 (indicative - subject to status and change) |
Market Context & Broker Commentary
Investec Private Finance occupies a unique position on the Doulton Bridging Finance motor yacht panel: it is not a mass-market lender, but for buyers of high-value motor yachts from £400,000 upward, it delivers rates and structures that no retail or challenger bank can match. At 5.2–7.8% APR, Investec offers the most competitive rate range on our panel by a meaningful margin, reflecting its private banking model and the quality of borrower profile it typically serves. The minimum loan threshold of £250,000 immediately filters the audience: Investec is relevant only for buyers of substantial motor yachts, typically vessels above £350,000 where the loan represents 60–70% of value. Within that universe, however, Investec's bespoke structuring capability is unmatched. Private banking clients frequently have wealth concentrated in investment portfolios, property or business equity rather than liquid savings. Investec can work holistically across the balance sheet - lending against the yacht while considering broader wealth collateral - in ways that a straightforward asset finance lender cannot. For offshore motor yachts, foreign-flagged vessels, yachts maintained in Mediterranean or Caribbean waters, or purchases structured through international holding companies, Investec's international private banking infrastructure means they can accommodate arrangements that would simply fall outside the underwriting parameters of UK-centric lenders. Their marine team has experience with Cayman Island structures, Maltese ship registration and EU-flagged vessels. The Doulton Bridging Finance team maintains an active introducer relationship with Investec Private Finance, allowing us to present well-structured cases directly to their marine lending desk. If you are purchasing a high-value motor yacht and want access to private bank rates without the obligation of moving your entire wealth management relationship, we can explore what Investec's terms look like for your specific scenario.
Strengths of Investec Private Finance for Motor Yacht Finance
- Lowest rate on the entire panel at 5.2% APR - HNW private bank pricing
- Private banking approach - bespoke structures for complex wealth profiles
- Experienced with superyachts, high-value motor yachts and offshore vessels
- Flexible on vessel location, flag state and international mooring
- Can structure alongside wealth management, lending and investment portfolios
Limitations to Consider
- Minimum loan of £250,000 - exclusively for high-value vessel purchases
- Full private banking relationship or significant AUM typically expected
- Not suitable for standard retail or business borrowers
- 70% LTV may seem conservative given the HNW client profile