Sailing yacht finance
in the UK
Marine mortgages and hire purchase for blue-water cruisers, performance racers, and prestige sailing yachts
Sailing yacht finance spans everything from a £50,000 performance racer to a £5M blue-water expedition vessel. Lenders look at survey condition, rig, keel configuration, and whether the yacht carries a current Offshore Certificate or MCA compliance. We match you with marine underwriters who understand what they're financing.
What we do with your enquiry
Shape the proposal
We describe the asset, seller and ownership goal so a lender sees a clear, well-evidenced case.
Compare from our panel
Selected lenders from an extensive panel of 150+, set side by side on deposit, term, any balloon and total cost.
Stay with you to completion
Your broker relays lender questions and our documentation team helps coordinate paperwork if you proceed.
Sorbus is a credit broker, not a lender. Approval, rates and savings are not guaranteed, and a manufacturer or retailer proposal may still suit you best.
Specialist access,
explained by a person
Blue-water expedition finance
Long-range cruising yachts, including Oyster, Hallberg-Rassy, Beneteau Oceanis, and Malo, attract serious buyers who need serious finance. We arrange marine mortgages for voyages that go well beyond the Solent.
Performance and racing yachts
Carrera 45s, J/122s, and IRC-rated offshore racers are genuine high-value assets. We work with lenders who understand racing yacht values and can structure finance that reflects their strong resale market.
Survey and insurance support
Most marine lenders require a current out-of-water survey and agreed-value insurance. We can introduce you to specialist surveyors and marine insurers who know this market and can move quickly.
Marine finance structures for sailing yachts
Marine mortgages, where the lender takes a registered charge on the vessel, are standard for sailing yachts above £200,000. Hire purchase is available for lower-value craft. Both routes result in full ownership at term end.
View our full prestigious finance rangeTerms and pricing depend on the vehicle, applicant, lender and agreement. Ask for a written quote showing the full amount payable before deciding.
How it works
Vessel details and survey
We'll need the boat's make, model, age, and current survey. If no survey exists, we can recommend a qualified surveyor to get the process underway.
Marine lender approach
We approach dedicated marine underwriters and negotiate the best available terms for the vessel profile and your financial background.
Funds released
On completion, the marine mortgage is registered on the vessel in the appropriate flag state. Funds go direct to the seller.
Start the conversation about your purchase
Tell us what you're looking to finance and we aim to respond within one business day, Monday to Friday, 9am to 5:30pm. Sending this starts a conversation, not an application, and commits you to nothing.
Start with a conversation
Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.
Prefer to call?
Speak directly to an adviser Monday–Friday, 9am–5:30pm.
01246 383500Free call. No obligation.
Optional: Business Finance Health Check
Before applying for sailing yacht finance, understand your lending readiness, resilience score, and exit strategy, in under 5 minutes.
Take the short Health CheckFree · No credit check · Not required before you talk
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Email us anytime
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Finance your sailing yacht
Independent marine finance specialists. Dedicated underwriters across the UK.