Full Panel Rate Comparison - October 2026
| Lender | Min APR | Max APR | Max LTV | Max Term | Min Loan | Best For |
|---|---|---|---|---|---|---|
| Lombard | 5.5% | 8.2% | 75% | 12 yrs | £25,000 | Business buyers |
| Close Brothers | 5.7% | 8.9% | 80% | 15 yrs | £10,000 | Widest acceptance |
| Black Horse | 5.9% | 8.4% | 80% | 15 yrs | £10,000 | Clean credit, personal |
| Barclays | 6.2% | 9.1% | 75% | 15 yrs | £25,000 | Premium applicants |
| Yorkshire Bank | 6.3% | 9.2% | 75% | 12 yrs | £25,000 | Regional mid-market |
| Pegasus Marine | 6.4% | 9.8% | 85% | 20 yrs | £5,000 | Specialist / older vessels |
| United Trust | 6.5% | 9.5% | 75% | 15 yrs | £25,000 | Near-prime, self-employed |
| Shawbrook | 6.8% | 10.2% | 70% | 10 yrs | £25,000 | Speed of decision |
| Aldermore | 6.9% | 10.1% | 70% | 10 yrs | £25,000 | Self-employed, complex income |
| Together Money | 7.2% | 11.5% | 70% | 10 yrs | £25,000 | Adverse credit |
| Foundation HL | 7.5% | 11.8% | 65% | 10 yrs | £25,000 | Complex / adverse credit |
| Rankin Finance | 7.8% | 12.5% | 85% | 20 yrs | £5,000 | Specialist / charter / live-aboard |
All rates are indicative for October 2026 and subject to individual circumstances, credit assessment, and lender criteria. The rate you are offered may differ. This table does not constitute financial advice.
How to Read This Table
The minimum APR represents the best rate available from each lender for the most favourable applications - typically clean credit, employed income, low LTV (50–60%), new or near-new vessels from mainstream manufacturers, and complete documentation. As credit complexity, LTV, vessel age, or income complexity increases, rates move towards the upper end of each lender's range.
The lenders are ordered by minimum APR, which broadly represents the hierarchy of pricing for the cleanest applications. However, eligibility matters as much as rate - being offered 11% from a lender willing to assess your application is more useful than a notional 5.5% from a lender who would decline.
Doulton Bridging Finance approaches the full panel simultaneously on your behalf, returning with all available options ranked by total cost. This takes the guesswork out of the comparison and ensures you don't inadvertently damage your credit profile by making multiple direct lender applications.
Factors That Affect Your Sailing Yacht Finance Rate
- Loan-to-value (LTV): Borrowing a lower proportion of the vessel's value typically secures a better rate. A 50% LTV case will almost always attract better pricing than an 80% LTV case with the same lender.
- Credit history: Clean credit - no missed payments, defaults, or CCJs - unlocks access to the cheapest lender tier. Even one missed payment in the last 12 months can move you from the mainstream tier to the specialist tier, adding several percentage points to your rate.
- Income type: Employed PAYE income is the easiest for lenders to verify and typically attracts the best pricing. Self-employed, contractor, or complex multi-income profiles require more documentation and may attract a margin premium.
- Vessel specification: New or near-new vessels from recognised manufacturers attract the best rates. Older vessels, unusual specification, or non-UK-registered craft may require specialist placement at higher rates.
- Loan term: Shorter terms generally attract better rates from lenders who price by residual risk. However, a longer term reduces monthly payments, which may be the priority for cash-flow-conscious buyers.
Lender rate pages
Each lender's full criteria, rates and our verdict for this vessel type, October 2026.
- Aldermore Sailing Yacht Finance Rates
- Barclays Sailing Yacht Finance Rates
- Black Horse Sailing Yacht Finance Rates
- Close Brothers Sailing Yacht Finance Rates
- Foundation Home Loans Sailing Yacht Finance Rates
- Lombard Sailing Yacht Finance Rates
- Pegasus Marine Finance Sailing Yacht Rates
- Rankin Finance Sailing Yacht Finance Rates
- Shawbrook Bank Sailing Yacht Finance Rates
- Together Money Sailing Yacht Finance Rates
- United Trust Bank Sailing Yacht Finance Rates
- Yorkshire Bank Sailing Yacht Finance Rates