Together Money Yacht Import Finance - Rate Table (October 2026)
| Term | Rate from (APR) | Max LTV | Min Loan | Notes |
|---|---|---|---|---|
| Up to 5 years | 7.2% | 75% | £25,000 | Best available rate band |
| 5–10 years | 7.7% | 75% | £25,000 | Mid-term pricing |
| 10–15 years | 8.2% | 70% | £25,000 | Longer-term pricing |
| Rate ceiling | 11.8% | 65% | £25,000 | Higher-risk / adverse credit |
Together Money takes a flexible approach to flag state and registration, ideal for complex import cases. Rates are indicative and subject to lender credit assessment, vessel survey and final underwriting. October 2026.
About Together Money Yacht Import Finance
Together Money has built its wider lending reputation on taking a common-sense approach to complex cases that fall outside conventional criteria, and their marine finance offering reflects this philosophy. For yacht import finance, Together is notably flexible on flag state - they will consider vessels registered in BVI, Cayman Islands, Isle of Man, Gibraltar and other flags of convenience, as well as EU-registered yachts, without requiring immediate re-registration to UK Part I.
This flexibility makes Together an important lender in the yacht import market, particularly for superyacht owners and high-net-worth buyers purchasing vessels currently held in offshore structures for legitimate tax or liability management reasons. Together's underwriters take a holistic view of the transaction, assessing the overall risk rather than applying rigid eligibility checklists. Rates range from 7.2% APR for straightforward cases, rising to 11.8% for more complex flag-state or VAT situations.
Together offers hire purchase and marine mortgage products with terms to 15 years and a maximum LTV of 75%. Their minimum loan is £25,000. The underwriting team includes specialists with genuine knowledge of offshore yacht registration structures, which means they understand the documentation requirements without needing extensive explanation. For buyers navigating a genuinely complex import - perhaps a BVI-registered motor yacht being purchased by a UK individual - Together Money is frequently the most pragmatic lender available through our panel.
Strengths
- Flexible on flag state including BVI, Cayman and other offshore registries
- Considers complex import structures
- No requirement for immediate UK re-registration
- 15-year terms available
- 75% LTV
- Holistic underwriting approach
Limitations to note
- Rates higher than institutional lenders for complex cases
- £25,000 minimum advance
- 75% maximum LTV (not 80%)
- Complex cases may require additional legal documentation at borrower cost
- Longer underwriting timeline for offshore-structure cases