Superyacht Finance Rates Comparison - October 2026
| Lender | Rate (APR) | Max LTV | Max Term | Min Loan | Type |
|---|---|---|---|---|---|
| Coutts | 4.2%–6.8% | Up to 60% | Up to 15 yrs | £1,000,000 | Royal Private Bank |
| HSBC Private Bank | 4.3%–6.5% | Up to 65% | Up to 15 yrs | £1,000,000 | Global Private Bank |
| Barclays Private Bank | 4.5%–6.9% | Up to 65% | Up to 15 yrs | £1,000,000 | Private Bank |
| Credit Suisse UK | 4.6%–7.0% | Up to 65% | Up to 15 yrs | £1,000,000 | International Private Bank (UBS Group) |
| 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 |
| 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 |
Rates indicative as of October 2026. Actual rate depends on LTV, term, client profile, vessel type and lender relationship. Sorted by lowest headline rate.
Who Should Use Which Lender?
Coutts - from 4.2% APR
The lowest headline rate in the market. Reserved for UHNW clients with established or qualifying Coutts relationships and investable assets typically in excess of £1m with the bank. 60% LTV - the most conservative in the guide. View Coutts rates →
HSBC Private - from 4.3% APR
Marginally above Coutts but with unmatched global reach. Ideal for internationally mobile UHNW clients with assets and income across multiple jurisdictions. Multi-currency available. View HSBC Private rates →
Pegasus - up to 75% LTV
The highest LTV and longest terms (20 years) in the market. Ideal for buyers who need to maximise leverage or who don't meet private banking criteria. Higher rates reflect the broader risk appetite. View Pegasus rates →
Close Brothers - from £250k
The most accessible lender for entry-level superyachts. No private banking relationship required, flexible credit assessment, and 70% LTV. Higher rates than private banks but faster decisions. View Close Brothers rates →
How to Get the Best Superyacht Finance Rate
The cheapest superyacht finance rate is not always the right one - and the right rate depends on your individual financial profile, the vessel you are purchasing, and the structure that best serves your tax and ownership objectives. Here is what drives superyacht finance pricing:
1. Client Profile & Relationship Value
Private banks price superyacht finance as part of a relationship. The more wealth management, investment and banking business you bring, the better your marine finance rate will be. Coutts, HSBC Private and Barclays Private all price aggressively for clients with substantial AUM - often 50–100 basis points below what a standalone application would achieve.
2. Loan-to-Value
A lower LTV - more equity in the vessel - almost always produces a lower rate. Borrowing 50% of the vessel's value will typically achieve materially better pricing than borrowing 70%, all else being equal. If you have the capital to reduce LTV, run the maths on whether the rate saving outweighs the deployment opportunity cost of that capital.
3. Term Length
Shorter terms typically attract lower rates. However, a longer term at a slightly higher rate can produce a lower monthly payment - the right choice depends on your cash flow requirements and whether you anticipate selling or refinancing before the end of term.
4. Vessel Quality and Survey
Lenders price against risk, and risk in the superyacht market is closely linked to vessel condition, classification status and resale liquidity. A well-maintained, recently surveyed vessel from a reputable builder will attract better terms than an older, high-maintenance asset with deferred survey. Investing in a pre-purchase survey and addressing any defects before approaching lenders can pay dividends.
5. Broker vs Direct Approach
Approaching a private bank directly, cold, for superyacht finance typically produces a longer timeline and less competitive pricing than going through an established broker relationship. Lenders reserve their keenest terms for introduced business from brokers they trust - and a well-packaged submission from a regulated broker significantly reduces the friction of new client onboarding.
Manufacturer finance compared
How each builder's own finance scheme compares with the open market in October 2026. Rates are indicative; we compare them for your case.
Benetti Finance vs Independent Broker - Which Delivers Better Terms?
Benetti is one of the world's largest and most celebrated superyacht builders, producing vessels from 30m to 100m+ at their Italian yards in Viareggio and Livorno. As an Azimut|Benetti Group company, they have delivered over 300 superyachts and occupy a central position in the global semi-custom and full-custom superyacht market.
| Criteria | Benetti Preferred Finance | Doulton Bridging Finance (Broker) |
|---|---|---|
| Rate access | Single preferred bank - limited competitive tension | Whole-of-market: Coutts, HSBC Private, Investec, Barclays Private and more |
| Currency | EUR-denominated by default | GBP, EUR or USD - with independent hedging advice |
| LTV | Typically 60%–65% via preferred bank | Up to 75% depending on lender and client profile |
| Term | Up to 15 years via preferred bank | Up to 20 years (Pegasus), 15 years (private banks) |
| Ownership structure advice | Not provided - commercial relationship only | Independent advice on SPV, flag state, UK VAT and tax structuring |
| Ongoing flexibility | Tied to yard relationship | Broker relationship - refinance, second vessel, advisory services |
| Application speed | Preferred bank timelines | Broker-packaged submission reduces timelines at all lenders |
| Independence | Yard's commercial interests may influence | Wholly independent - regulated by FCA |
Lürssen Finance vs Independent Broker - Which Delivers Better Terms?
Lürssen Werft is among the world's most prestigious superyacht builders, responsible for vessels including A, Dilbar, and numerous other iconic superyachts above 80m. Their German engineering heritage and bespoke build capability command a premium in the market, and clients commissioning or purchasing Lürssen vessels are typically operating at the very apex of the superyacht market.
| Criteria | Lürssen Preferred Finance | Doulton Bridging Finance (Broker) |
|---|---|---|
| Rate access | Single preferred bank - limited competitive tension | Whole-of-market: Coutts, HSBC Private, Investec, Barclays Private and more |
| Currency | EUR-denominated by default | GBP, EUR or USD - with independent hedging advice |
| LTV | Typically 60%–65% via preferred bank | Up to 75% depending on lender and client profile |
| Term | Up to 15 years via preferred bank | Up to 20 years (Pegasus), 15 years (private banks) |
| Ownership structure advice | Not provided - commercial relationship only | Independent advice on SPV, flag state, UK VAT and tax structuring |
| Ongoing flexibility | Tied to yard relationship | Broker relationship - refinance, second vessel, advisory services |
| Application speed | Preferred bank timelines | Broker-packaged submission reduces timelines at all lenders |
| Independence | Yard's commercial interests may influence | Wholly independent - regulated by FCA |
Lender rate pages
Each lender's full criteria, rates and our verdict for this vessel type, October 2026.
- Barclays Private Bank Superyacht Finance Rates
- Close Brothers Superyacht Finance Rates
- Coutts Superyacht Finance Rates
- Credit Suisse UK Superyacht Finance Rates
- HSBC Private Bank Superyacht Finance Rates
- Investec Private Finance Rates
- Lombard Superyacht Finance Rates
- Pegasus Marine Finance (Superyachts) Rates