Yacht Finance

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Sure Marine Finance provides Marine Mortgages and Secured Loans for individuals and companies looking to acquire a new or used yacht.

Why Sure Finance?

Yacht Finance

Yacht and marine finance specialists

Yacht Loans

Marine Mortgages and Secured Loans

Yacht Mortgages

No deposit required*

Yacht Financing

Rates from 4.6% APR

Yacht Loans

Refinancing available

Yacht FinanceRegulated by the FCA

Yacht Loans

Yacht and marine finance specialists

Yacht Financing

Marine Mortgages and Secured Loans

Yacht Finance

No deposit required*

Yacht Mortgages

Rates from 4.6% APR

Yacht Loans

Refinancing available

Yacht Finance

Regulated by the FCA

Yacht Finance


At Sure Marine Finance, we appreciate that sourcing yacht finance can become frustrating, unless of course you are speaking to marine finance brokers who are fully versed in the nuances of yacht financing.

Whether you are looking to raise £40,000 for a modest sized yacht or perhaps looking to spend extra for a larger or more luxurious model, Sure Marine Finance can assist.

Our hands-on yacht finance specialists will partner with you throughout the whole of the sale process, meaning you can spend time planning your next trip on the water and not tied up in paperwork.

Finance options:

At Sure Marine Finance, we have a choice of finance products — marine mortgages and secured loans. Each of these finance options are designed to suite all yacht financing scenarios, depending on your preference and the speed needed to secure your new yacht:

Marine Mortgage

  • Interest rates from around 8% APR
  • 20% deposit
7 years repayment term with an optional balloon payment
  • Finance secured on yacht
  • Loans from £40k to £0.5m

Secured Loans

  • Interest rates from 4.6% APR
  • No deposit
  • Repayment period up to 20 years
  • Loans from £25k to £2m

Apply through a yacht finance broker

Whilst there are a few yacht finance lenders in the UK, applying directly to a lender has its drawbacks. Making multiple applications to different lenders will have a negative impact on your credit score and may hinder your options. As marine finance brokers, we search the whole of the market, offering up the widest choice of lenders in the market which match your specific circumstances and criteria.

Yacht Finance – setting your budget


Buying a yacht is not for the fainthearted. You should consider your budget carefully before committing to a purchase. You’ll need to contemplate not only the purchase price but also factor in the monthly repayments plus reoccurring additional costs such as mooring, fuel, insurance and repairs. Ensuring you can keep abreast of the financial side will to allow you to fully relax and enjoy your new yacht with your family and friends.

Choosing your yacht

Yacht ownership could just be exactly the next step for you. It’s no doubt that owning a yacht adds a touch of luxury to any lifestyle with the promise of trips on the water and added exhilaration too!

Sailing yachts

The phrase ‘Sailing yachts’ is a catch all terminology and includes everything from small dinghies and sailing boats to considerably larger, open water yachts – perhaps in excess of 60ft in length.

Depending on your aspirations, it is generally a good idea to work your way up in yacht sizes, perhaps starting with a modestly sized yacht of around 25/30ft in length, which provides plenty of space for full day trip to weekends away. Once you have mastered the art of sailing, you’ll almost certainly find yourself searching the internet and attending boat shows for an even bigger boat to accommodate your new-found passion and sense of adventure!

Motor yachts

Generally reserved for coastal and leisure cruising, motor yachts represent the epitome of luxury — often featuring spacious lounges, dining rooms, en-suite facilities with fully equipped kitchens.

Just like its cousin — the ‘sailing yacht’, the motor yacht is very much at home in open water too and capable of crossing oceans, only limited by the range of their fuel tank. Providing a more of a ‘hands-off’ experience than a sailing yacht, modern motor yachts are very easy to operate and manoeuvre.

Where can I buy my yacht from?

Once you decided which type of yacht you are looking for and what you can afford, it’s time to search for a potential yacht. The tried and tested route is through reputable marine brokers or boat yards, however, you may consider looking at private sales too, with the internet proving access to virtually every yacht for sale in the UK.

At Sure Marine Finance we can offer finance for every type of yacht purchase, whether that is a marine mortgage or a secured loan. Our team of specialists are also here to assist you with paperwork or surveys, should that be something you need help with too. We’ll also check for any outstanding finance against the yacht too, or if you choose to buy through a broker, our team can assist with paperwork and communications there too.

What next?


Our typical timescale for a marine mortgage or secured loan is usually completed witin 2-4 weeks. Should you want finance in place before your start your search, simply complete our short application and a member of our team will get in touch to discuss your options.

You can of course get in touch by calling our marine finance team on our freephone number 0800 140 4609.

Coastal Boat Finance Testimonial

What our customers say

Excellent service from start to finish. Very polite, professional, friendly and kept us updated at every stage of the process.

What our customers say

Excellent service from start to finish. Very polite, professional, friendly and kept us updated at every stage of the process.

Frequently asked questions

Sure Marine Finance have a choice of two finance options for yacht purchase, these include marine mortgages and secured loans. Marine mortgages can be taken over 7 years with an optional balloon payment. You can also choose a secured loan, which can be taken over an extended period of time, perhaps up to 20 years, with no early repayment penalties.

If your yacht is new then a marine survey is not necessary, however, if your yacht is used you will need an out-of-water full survey and valuation to access a marine mortgage. Always ensure your surveyor has the necessary qualifications and has professional indemnity insurance.

You can buy your yacht regardless if it is located in another country, providing the yacht can be registered on a UK or UK territory register.

Yes, the yacht must be comprehensively insured at all times.

To apply for yacht finance, firstly, complete our short application form then a member of our marine finance team will call you back to discuss your options. You can also call us on 0800 140 4609 Monday to Friday.

Sure Marine Finance - Boat Finance

Frequently asked questions

Sure Marine Finance have a choice of two finance options for yacht purchase, these include marine mortgages and secured loans. Marine mortgages can be taken over 7 years with an optional balloon payment. You can also choose a secured loan, which can be taken over an extended period of time, perhaps up to 20 years, with no early repayment penalties.

If your yacht is new then a marine survey is not necessary, however, if your yacht is used you will need an out-of-water full survey and valuation to access a marine mortgage. Always ensure your surveyor has the necessary qualifications and has professional indemnity insurance.

You can buy your yacht regardless if it is located in another country, providing the yacht can be registered on a UK or UK territory register.

Yes, the yacht must be comprehensively insured at all times.

To apply for yacht finance, firstly, complete our short application form then a member of our marine finance team will call you back to discuss your options. You can also call us on 0800 140 4609 Monday to Friday.

Sure Marine Finance, Boat Financing

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LOANS – Rates from 3.65% variable. We also have a range of plans with rates up to 65.2% allowing us to help customers with a range of credit problems. Representative 8.6% APRC variable. Representative example: if you borrow £10,000 over 10 years at an Annual Interest Rate of 5.14% (variable) you would make 120 payments of £122.71 per month. The total amount repayable will be £14725.20 (This includes a lender fee of £495 and a broker fee of £1000 which have been added to the loan.) The overall cost for comparison is 8.6% APRC representative. Maximum APR 65.2%


Sure Marine Finance is a trading style of The Hub Branding Consultancy Limited. Registered in Scotland. Registered Office: Caʼdʼoro Building, 45 Gordon Street, Glasgow, G1 3PE. Co Reg No. SC346006 . Sure Marine Finance is authorised and regulated by the Financial Conduct Authority No 816876.

Sure Marine Finance is not a lender but is an authorised credit broker which introduces borrowers and lenders for the purposes of entering into a lending agreement.

Sure Marine Finance does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website.

* Secured loans only