Getonthewater,sortthepaperworklater.
Marine finance through specialist lenders — trailerable runabouts to ocean cruisers, dealer or private sale, weekend or charter.
Three reasons boat buyers use a marine-friendly broker.
Marine finance has its own specialists
Boats are a different asset class to cars. Depreciation, hull surveys, mooring location and engine hours all matter. Our marine-friendly lenders price files the major banks won't touch.
Fishing tinnie or 40ft cruiser, same approach
Whether it's a $25k aluminium fishing boat or a $400k cruiser, we work the right lender for the asset. Smaller boats go through consumer-asset lenders; larger vessels go to commercial marine specialists.
Dealer or private sale, on the water fast
Marine dealers and private sellers both work. We handle the PPSR clearance, the boat valuation, and the engine-hour assessment so you can keep your weekend.
Loan basics.
Indicative shape for a typical trailerable or small cruiser boat loan. Larger vessels and commercial charter setups go to dedicated marine commercial specialists.
- Loan term
- Up to 10 yrs
- Indicative rate
- From 7.99%
- Max amount
- $300k+
- Decision time
- 1–2 days
Who finances a boat with us.
- Weekend fishers upgrading the trailerable tinnie or runabout.
- Cruiser owners stepping up to a larger inboard or twin-engine.
- Charter operators financing a commercial vessel.
- Anyone refinancing an existing boat loan for a sharper rate.
We run files across the majors and the specialists.
Different lenders price different combinations of asset, term and credit profile — that's the whole point of running a panel.
- Westpac
- CommBank
- ANZ
- NAB
- BOQ
- Pepper Money
- Capital Finance
- GoGetta
- Money3
- Liberty
- Plenti
- Firstmac
Three steps from boat ramp to bill of sale.
- 01
Tell us the boat
Year, make, length, engine, hull material. Trailerable or moored. New, used, dealer or private.
- 02
Match to a marine lender
Marine-friendly lenders price boats differently — we know which ones will write your file at the sharpest rate.
- 03
Survey and settlement
Larger boats may require a marine survey; we coordinate with the surveyor and dealer to settle without delay.
$95k cruiser, private sale, interstate. Survey came back clean and Londy coordinated the settlement with the seller and the marine surveyor. On the water in 10 days.
Sample testimonial — replace with a real Google review before launch.
Common questions before you sign.
Do I need a marine survey for a boat loan?
For trailerable boats under about $50k, usually no — the lender relies on the dealer invoice or private sale documents. For boats over that, or older vessels, most lenders require a marine survey at your cost (typically $400–$1,500).
Can I finance a private-sale boat?
Yes. Private boat sales work the same as dealer purchases. We'll need a PPSR clearance, current registration, and a sale contract. Settlement happens by EFT direct to the seller after we verify the hull number.
What about a boat in another state?
All Australian states are workable. Settlement and registration transfer happens in the destination state. Allow an extra day or two for the paperwork to clear interstate.
Can I include the engine, trailer and electronics in the loan?
Yes — most marine lenders finance the complete package as a single loan. Aftermarket additions (sounder, GPS, outriggers) added at purchase usually go on the original tax invoice and into the loan.
How does the loan work if I'm using the boat for charter?
Charter use means commercial finance, not consumer. Different lenders, different rates, different documentation. We'll structure it as commercial marine finance and may use a chattel mortgage for the GST treatment.
Get a real rate from a real broker — usually back the same day.
Drop your details and we'll be back to you, usually the same day. Or call and skip the form.