You’ve found her. The right year, the right engine hours, the right berth ~two hours from home. So you call the broker, and somewhere in the next fortnight, the conversation turns to money. That’s usually where the momentum goes.
Because until now, buying a boat and financing a boat have happened in two separate places. You search the listings on one site. You chase finance somewhere else, often through a broker who passes your details around a panel and comes back days later with a figure attached to nothing in particular. By the time you know what you can actually afford, someone else has put a deposit down.
FinanceABoat.com closes that gap. Every boat on the site is listed with its monthly payment already worked out, and you apply for finance on that specific vessel, not on a vague sum, not in principle, but on the boat you’ve chosen.
Search by what it costs you each month
Brokers advertise a purchase price. Buyers think in monthly payments. FinanceABoat lets you search the way you actually budget: set your monthly figure, add the deposit you have available, and the site shows only the boats that fit.
Filter by vessel type, motorboats, sailing yachts, narrowboats, widebeams, RIBs, or by length, or by both. Around 1,800 listings from UK brokers, dealers and sales companies, each one carrying a real monthly figure rather than a “finance available” badge.
Change the deposit and every payment on the page moves with it. It takes about ten seconds to find out whether the boat you’ve been watching is genuinely within reach.
The figure comes from the lender, not a middleman
Every payment quoted on FinanceABoat comes from Promarine Finance Ltd, an FCA-authorised direct lender (FRN 810007) writing marine mortgages.
That matters more than it sounds. A finance broker takes your application and shops it round a panel of lenders, which means your details travel, the answer takes longer, and the person you spoke to first isn’t the person deciding. Promarine is the lender. The same underwriter handles your case from the first figure to the day the funds are released.
What that means in practice:
- Marine mortgages, secured on the vessel, not unsecured personal loans dressed up for boats
- Decisions in 24 hours
- No early repayment fees if you clear the balance ahead of schedule
- One point of contact throughout
Your enquiry to the broker stays separate
Some buyers want to talk to the seller before they think about finance. That’s how it should work, so that’s how the site works.
Contacting the broker or dealer about a listing goes straight to them. It doesn’t start a finance application, doesn’t put you on a call list, and doesn’t commit you to anything. When you’re ready to apply, and only then, the application runs alongside your purchase, against the vessel you’ve agreed to buy.
What’s on there
The listings span the full range of UK boating: motorboats from Thames cruisers to flybridge sportscruisers, sailing yachts, narrowboats and widebeams on the inland waterways, and RIBs. Prices run from boats under £500 a month to the £1,500-plus bracket, with everything in between.
Feeds come in from brokers and dealers across the country, so the stock refreshes as their own listings do.
Brokers and dealers
If you sell boats, your stock can be on FinanceABoat at no cost. Enquiries go straight to your inbox, customers can reach you before any finance conversation starts, and the system accepts data feeds from most UK websites and portals, so in most cases there’s nothing for you to re-key.
Get in touch to add your listings.
Have a look
Set your budget, pick your boat, apply on that boat.
