Current Investec Superyacht Finance Rates
| Rate (APR) | Max LTV | Max Term | Min Loan | Lender Type |
|---|---|---|---|---|
| 4.8%–7.2% APR | Up to 70% | Up to 15 years | £500,000 | Private Bank / Specialist Lender |
Rates are indicative for October 2026 and subject to change. Final rate depends on LTV, term, vessel type, credit profile and overall client relationship.
Market Context & How Investec Compares
Investec Private Finance occupies a premium position in the UK superyacht finance market, combining the depth of a private bank with genuine specialist appetite for complex marine transactions. Their superyacht team works exclusively with high-net-worth and ultra-high-net-worth clients, meaning the lending framework is engineered around wealth management thinking rather than conventional asset finance.
Rates from Investec for superyacht finance currently sit in the 4.8%–7.2% APR range depending on LTV, term structure, client relationship depth and overall balance sheet picture. Where Investec distinguishes itself is the willingness to look beyond a simple vessel valuation - they will consider existing investment portfolios, property holdings and business assets as part of a holistic wealth picture, which frequently unlocks better pricing than a standalone marine credit application would achieve.
Their 70% LTV ceiling (against surveyed valuation) is competitive for the private banking tier, and 15-year terms are available for qualifying vessels, making Investec one of the longer-duration lenders at this level. Vessels must be classified to a recognised standard (Lloyd's, Bureau Veritas, DNV etc.) and surveys must be current.
For complex cases - dual-use charter and private yachts, SPV or offshore ownership structures, foreign-flagged vessels - Investec's structured finance capability is a genuine differentiator. They are comfortable working with Flag State registries across the Isle of Man, Cayman Islands, Malta and British Virgin Islands, and can accommodate UK VAT-paid and non-VAT-paid scenarios with appropriate structuring advice.
Working with Doulton Bridging Finance adds value here because we can package a case to Investec's preferred submission format, benchmark their indicative terms against the wider private banking market, and negotiate from a position of genuine lender relationships rather than a cold approach. Many private banks reserve their keenest pricing for introduced business from trusted brokers.
Investec vs the Full Market - All Lenders
| Lender | Rate (APR) | Max LTV | Max Term | Min Loan | Type |
|---|---|---|---|---|---|
| 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 |
| Barclays Private Bank | 4.5%–6.9% | Up to 65% | Up to 15 yrs | £1,000,000 | Private Bank |
| HSBC Private Bank | 4.3%–6.5% | Up to 65% | Up to 15 yrs | £1,000,000 | Global Private Bank |
| Coutts | 4.2%–6.8% | Up to 60% | Up to 15 yrs | £1,000,000 | Royal Private Bank |
| 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 |
| Credit Suisse UK | 4.6%–7.0% | Up to 65% | Up to 15 yrs | £1,000,000 | International Private Bank (UBS Group) |
Investec Key Advantages
- Highly bespoke structuring for HNW clients
- Strong appetite for complex offshore structures
- Dedicated relationship manager model
- Refinance and equity release expertise
- Will consider vessels under foreign flag
Where to Consider Alternatives
- Minimum £500,000 facility - not suitable for smaller transactions
- Full private banking relationship typically expected
- Decision timelines can be 4–8 weeks for complex cases
- Limited appetite for older vessels (20+ years)