Super Yacht Finance
Million Plus Private Finance arranges bespoke super yacht finance for ultra-high-net-worth clients. We structure lending solutions for yacht acquisition, new-build projects, and refinancing, working with private banks and specialist lenders to deliver discreet, flexible funding aligned with complex wealth structures and international ownership requirements.
Why Choose Million Plus For Your Super Yacht Financing?
Super yacht finance requires specialist structuring, strong private bank relationships, and an understanding of complex ownership and jurisdictional considerations. Million Plus Private Finance arranges bespoke lending solutions for the acquisition, construction, and refinancing of super yachts. We present comprehensive client profiles to specialist lenders, incorporating multiple income streams, investment portfolios, and international assets. Facilities are typically structured as asset-backed loans, supported by independent yacht valuations, insurance, and flag-state considerations. Our tailored approach delivers competitive terms, flexible repayment structures, and efficient execution, enabling clients to acquire or refinance super yachts while preserving liquidity and aligning with wider wealth strategies.
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Million Plus Private Finance specialises in arranging bespoke lending for super yachts, working with private banks and specialist lenders experienced in luxury vessel finance. We structure facilities for new-build projects, pre-owned yacht acquisitions, and refinancing of existing vessels, tailoring each solution to the client’s financial position and long-term objectives.
Our team presents complex financial profiles to lenders, including diversified income streams, international investments, and multi-asset portfolios, to maximise borrowing potential. Facilities are commonly structured on an interest-only or hybrid basis, providing cashflow flexibility while maintaining capital efficiency. Loan structures may incorporate staged drawdowns aligned with build schedules, delivery milestones, or refit programmes.
We coordinate all aspects of the process, including independent yacht valuations, insurance requirements, lender communication, and legal documentation across multiple jurisdictions. Clients benefit from a discreet, efficient experience and access to lenders who understand the operational, jurisdictional, and asset-specific nuances of super yacht ownership. Every solution is bespoke, ensuring yacht finance is aligned with the client’s broader wealth management and investment strategy.
How Super Yacht Finance Works
Super yacht finance is structured around the vessel, the ownership framework, and the client’s wider wealth position. Unlike standard lending, private banks assess yacht finance holistically, focusing on asset quality, liquidity, and long-term financial strategy rather than income alone.
The process typically begins with an initial assessment of the yacht, whether a new-build or pre-owned vessel, alongside the client’s broader financial profile. Independent valuations, insurance arrangements, and flag-state considerations are reviewed to establish lending parameters. For new-build projects, funding can be structured with staged drawdowns aligned to construction milestones and delivery schedules.
Facilities are commonly arranged as asset-backed loans, with loan-to-value ratios typically ranging between 60 percent and 70 percent. Interest-only or hybrid repayment structures are frequently used, allowing clients to preserve capital and manage cashflow efficiently while maintaining flexibility for investment planning and ongoing ownership costs.
Million Plus Private Finance coordinates the entire process, managing lender engagement, valuations, legal documentation, and cross-border considerations. The result is a discreet, efficient financing solution that supports super yacht ownership while remaining fully aligned with the client’s wider wealth strategy.
case studies
Mortgage Closings
Super yacht finance demands a highly tailored approach, reflecting the complexity of high-value vessels, international ownership structures, and the financial profiles of ultra-high-net-worth clients. Million Plus Private Finance assesses every aspect of a client’s position to structure lending solutions that are both commercially robust and strategically aligned.
We arrange finance for a wide range of super yacht requirements, including new-build construction, pre-owned acquisitions, refinancing of existing vessels, and capital release against owned yachts. Lending structures are designed to reflect factors such as vessel age, shipyard reputation, flag state, marina location, and insurance arrangements. Where appropriate, staged funding can be aligned with construction milestones, delivery schedules, or refit phases.
Client financial profiles are presented holistically, incorporating complex income sources, investment portfolios, and international assets. This enables access to private banks and specialist lenders who assess wealth and liquidity rather than relying on rigid affordability models. Interest-only and hybrid repayment options are frequently used to preserve liquidity while maintaining flexibility for investment planning and ongoing yacht-related costs.
Million Plus Private Finance manages the entire process, coordinating valuations, lender submissions, legal documentation, and cross-border requirements to ensure a seamless and confidential experience. By monitoring market conditions and lender appetite, we secure competitive terms and bespoke structures that reflect the realities of super yacht ownership. Each financing solution is designed to integrate seamlessly with the client’s wider wealth strategy, supporting both lifestyle and long-term financial objectives.
frequently asked questions
Mortgage Questions Answered
What types of super yachts can be financed?
Finance can be arranged for new-build super yachts, pre-owned vessels, and existing yachts requiring refinancing or capital release. Facilities are available for custom builds, production yachts, and refit projects, subject to valuation, condition, and lender criteria.
What loan-to-value (LTV) ratios are available for super yacht finance?
Loan-to-value ratios typically range between 60 percent and 70 percent, depending on factors such as vessel age, shipyard reputation, valuation, insurance arrangements, and overall client wealth profile. Higher quality vessels and stronger financial profiles may access more favourable terms.
Are interest-only repayment options available for super yacht loans?
Yes. Interest-only and hybrid repayment structures are commonly used in super yacht finance. These structures allow clients to preserve liquidity, manage cashflow efficiently, and align yacht ownership with wider investment and wealth planning strategies.
Can finance be arranged during the yacht build process?
Yes. New-build super yacht finance can be structured with staged drawdowns aligned to construction milestones and delivery schedules. This ensures funding is released progressively while maintaining liquidity throughout the build period.
Is super yacht finance available for international or cross-border ownership structures?
Yes. We regularly arrange finance involving offshore entities, multi-jurisdictional ownership structures, and multi-currency facilities. Lending is structured to align with flag state, marina location, and legal considerations across jurisdictions.
How long does it take to arrange super yacht finance?
Timelines vary depending on complexity, but with full documentation and valuations in place, super yacht finance can often be arranged within a matter of weeks. New-build and multi-jurisdictional transactions may require longer due diligence periods.
Can existing super yachts be used to release capital?
Yes. Owners can raise finance against an existing super yacht to release liquidity for other investments, acquisitions, or wealth planning purposes, subject to valuation, insurance, and lender appetite.
exclusive marketplace
Luxury Real Estate
Finance Without Limits
Super yacht finance sits entirely outside the high-street lending market and is arranged exclusively through private banks and specialist lenders. Million Plus Private Finance secures bespoke funding solutions for super yacht acquisitions, new-build projects, and refinancing of existing vessels, working directly with institutions experienced in luxury maritime finance. Facilities are structured with flexible terms, interest-only or hybrid repayment options, and multi-jurisdictional capability to support complex ownership and wealth structures. Every super yacht finance solution is delivered with discretion, precision, and strategic alignment at its core.
