Current Lombard Superyacht Finance Rates
| Rate (APR) | Max LTV | Max Term | Min Loan | Lender Type |
|---|---|---|---|---|
| 5.2%–7.8% APR | Up to 65% | Up to 12 years | £500,000 | Specialist / RBS Group |
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 Lombard Compares
Lombard, as part of NatWest Group, brings institutional depth to the superyacht finance market and has maintained a dedicated marine lending team for over two decades. Their superyacht proposition covers hire purchase, finance lease and marine mortgage products, with the flexibility to select the optimal structure for the client's tax and accounting position.
Current Lombard superyacht finance rates range from 5.2% to 7.8% APR, with the lower end of that range available to well-capitalised clients seeking shorter terms at conservative LTVs. The 65% LTV ceiling means a £2m superyacht requires a £700,000 deposit, which is consistent with private banking norms but tighter than some specialist lenders.
Lombard's comfort with charter-use superyachts is a meaningful differentiator - many private banks will only finance vessels held purely for private enjoyment, while Lombard will assess commercial charter operations provided the business case stacks up and appropriate marine insurance is in place. This makes them a strong candidate for semi-commercial superyachts where income from chartering is intended to offset running costs.
The 12-year maximum term is the most notable constraint versus peers like Investec or Coutts who extend to 15 years. For a £1.5m facility, the difference in monthly payment between 12 and 15 years is material - roughly £3,000–£4,000 per month at mid-range rates - so this should be factored into affordability modelling. Doulton Bridging Finance routinely benchmarks Lombard against longer-term alternatives to ensure clients are not paying more than necessary in monthly servicing costs.
Lombard 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) |
Lombard Key Advantages
- Part of NatWest Group - strong institutional backing
- Experienced dedicated marine and aviation team
- Flexible hire purchase and finance lease structures
- Comfort with commercial charter-use vessels
- Can accommodate balloon payment structures
Where to Consider Alternatives
- 65% LTV is below some competitor private banks
- 12-year maximum term shorter than Investec/Coutts
- Full financial disclosure required - not suitable for privacy-conscious clients
- Less flexibility on offshore SPV ownership structures