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MillionPlus

A luxury asset marketplace and specialist finance advisory. Discreet, global, and backed by a carefully selected panel of private banks and specialist lenders.

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Million Plus is a trading style of MillionPlus.com International Limited. All finance enquiries are referred to Million Plus Private Finance Limited (FCA No. 1006539), which is an appointed representative of TMG Direct Limited. TMG Direct Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 786245) and is registered with the Information Commissioner's Office under the Data Protection Act 2018 (Registration No. ZA178200). Commercial mortgages, buy-to-let mortgages, and some forms of asset lending are not regulated by the Financial Conduct Authority. Million Plus Private Finance Ltd is a credit broker, not a lender.

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MillionPlus Journal

Insights & News

Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.

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What is the difference between summer and winter yacht seasons?
Yachts13 August 2026

What is the difference between summer and winter yacht seasons?

The primary difference between summer and winter yachting seasons lies in their geographical location and timing, with the summer 'Med season' in the Mediterranean and the winter 'Caribbean season' in the Caribbean and Bahamas.

What are expedition yachts and why are they trending in 2026?
Yachts11 August 2026

What are expedition yachts and why are they trending in 2026?

An expedition yacht is a robust, long-range motor yacht built for self-sufficient cruising to remote destinations. They are trending in 2026 due to a UHNW shift towards unique, experiential travel.

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What is the APA on a superyacht charter?
Yachts11 August 2026

What is the APA on a superyacht charter?

The Advance Provisioning Allowance (APA) is a standard fund, typically 30-35% of the base charter fee, collected before a superyacht charter to cover variable expenses like fuel, food, beverages, and port fees on behalf of the charterer.

How Much Should You Tip a Superyacht Crew?
Yachts10 August 2026

How Much Should You Tip a Superyacht Crew?

The accepted industry standard for a superyacht crew tip is between 10% and 20% of the base charter fee, with the final amount reflecting the quality of service you received during your voyage.

Can you make a profit chartering out your superyacht?
Yachts10 August 2026

Can you make a profit chartering out your superyacht?

Making a net profit from chartering a private superyacht is exceptionally rare; the primary financial goal is significant cost mitigation, often covering 50-80% of annual operating expenses.

How much does fuel cost for a 50m superyacht?
Yachts10 August 2026

How much does fuel cost for a 50m superyacht?

The fuel for a 50m superyacht can cost between £60,000 and £120,000 for a single fill-up. The annual fuel budget often ranges from £200,000 to over £400,000, depending heavily on engine size, cruising speed, and itinerary.

What is a superyacht refit and how much does it cost?
Yachts10 August 2026

What is a superyacht refit and how much does it cost?

A superyacht refit is a comprehensive overhaul to upgrade a vessel's systems, exterior, or interior. Costs typically range from 1% of the yacht's value for minor works to over 10% for a major mid-life refit, often running into millions.

Why do superyachts fly Cayman Islands and Red Ensign flags?
Yachts10 August 2026

Why do superyachts fly Cayman Islands and Red Ensign flags?

Superyachts frequently fly the Cayman Islands flag, part of the prestigious Red Ensign Group, due to a strategic combination of financial efficiency, a robust English common law legal system, high regulatory standards, and operational flexibility.

What is the most expensive part of running a superyacht?
Yachts10 August 2026

What is the most expensive part of running a superyacht?

The single most expensive part of running a superyacht is invariably the crew. Salaries and associated costs typically account for 40-50% of the total annual operating budget.

What is the 10 percent rule in superyacht ownership?
Yachts10 August 2026

What is the 10 percent rule in superyacht ownership?

The 10 percent rule is a widely used guideline in the superyacht industry suggesting that the annual cost of running a yacht is approximately 10% of its initial purchase price. This figure covers everything from crew and fuel to maintenance and insurance.

How to finance a superyacht: loan structures and lender options
Yachts28 July 2026

How to finance a superyacht: loan structures and lender options

Financing a superyacht is a strategic decision for UHNWIs, involving specialised marine mortgages or asset-backed loans from private banks and specialist lenders.

What is the difference between summer and winter yacht seasons?
Yachts24 June 2026

What is the difference between summer and winter yacht seasons?

The primary difference between summer and winter yacht seasons lies in their geography and timing, dictated by climate. The summer 'Med season' runs from May to October in the Mediterranean, while the winter 'Caribbean season' runs from November to April, avoiding the respective regions' adverse weather.

What are expedition yachts and why are they trending in 2026?
Yachts24 June 2026

What are expedition yachts and why are they trending in 2026?

Expedition yachts are robust, long-range vessels designed for exploring the world's most remote regions. In 2026, they are trending among UHNW individuals due to a growing desire for unique experiences, enhanced privacy, and advancements in sustainable technology.

What is the APA on a superyacht charter?
Yachts22 June 2026

What is the APA on a superyacht charter?

The Advance Provisioning Allowance (APA) is a standard superyacht charter expense, typically 25-35% of the base fee, used to cover variable costs like fuel, food, and port fees. It operates as a transparent fund managed by the captain to create a seamless, bespoke experience for the charterer.

How much should you tip a superyacht crew?
Yachts22 June 2026

How much should you tip a superyacht crew?

The industry standard for a superyacht crew tip is 10-20% of the base charter fee, depending on the region and the quality of service. This guide explains the nuances of crew gratuity etiquette.

Can You Make a Profit Chartering Out Your Superyacht?
Yachts22 June 2026

Can You Make a Profit Chartering Out Your Superyacht?

Chartering your superyacht is an effective way to offset significant operational expenses, but it is not a profit-making investment. This guide explores the real costs, potential revenue, and financial realities of placing your vessel on the charter market.

Why do superyachts fly Cayman Islands and Red Ensign flags?
Yachts22 June 2026

Why do superyachts fly Cayman Islands and Red Ensign flags?

Superyachts often fly Cayman Islands and Red Ensign flags to leverage a prestigious, stable, and secure regulatory framework combined with significant financial and operational advantages. This choice offers the global protection of a British ship while benefiting from the Cayman Islands' tax-neutral environment and flexible crewing laws.

What is the most expensive part of running a superyacht?
Yachts22 June 2026

What is the most expensive part of running a superyacht?

The single most expensive part of running a superyacht is the crew. Crew salaries and associated costs consistently account for 40% to 50% of a vessel's total annual operating budget.

What is the 10 percent rule in superyacht ownership?
Yachts22 June 2026

What is the 10 percent rule in superyacht ownership?

The 10% rule in superyacht ownership is a widely accepted guideline stating that the annual running costs of a yacht will amount to approximately 10% of its initial purchase price. This figure covers everything from crew salaries and maintenance to insurance and mooring fees.

How to finance a superyacht: loan structures and lender options
Yachts8 June 2026

How to finance a superyacht: loan structures and lender options

Financing a superyacht involves securing a specialised loan, typically a marine mortgage or asset-backed facility, from a private bank or specialist marine lender. The process requires extensive due diligence on both the borrower and the vessel.

What is the difference between summer and winter yacht seasons?
Yachts11 May 2026

What is the difference between summer and winter yacht seasons?

The primary difference between yacht seasons lies in their geography and timing, dictated by climate. The summer or 'Med season' (May-October) is focused on the Mediterranean, while the winter or 'Caribbean season' (November-April) shifts to the Caribbean, Bahamas, and other tropical locales to follow optimal weather.

What are expedition yachts and why are they trending in 2026?
Yachts11 May 2026

What are expedition yachts and why are they trending in 2026?

An expedition yacht is a robustly built vessel designed for long-range, autonomous cruising to the world's most remote destinations, featuring a strengthened hull and specialised equipment. Discover why they are the leading trend for UHNW individuals in 2026.

What is the APA on a superyacht charter?
Yachts7 May 2026

What is the APA on a superyacht charter?

The Advance Provisioning Allowance (APA) is a standard fund, typically 30-40% of the charter fee, used by the captain to cover variable expenses like fuel, food, and port fees on your behalf.

How much should you tip a superyacht crew?
Yachts7 May 2026

How much should you tip a superyacht crew?

The industry standard for tipping a superyacht crew is 5-20% of the base charter fee, reflecting service quality. Gratuity is given to the captain for fair distribution among all crew members.