At Stratton Finance, we are your trusted partner when it comes to sourcing finance solutions for your new yacht. Whether you’re purchasing a new or used vessel and through a dealer, private sale, or yacht broker, our brokers are dedicated to finding a solution no matter your price range or whether you’re a first-time buyer or luxury cruiser.
We understand that every customer has unique requirements, and that yacht finance is assessed differently standard boat loans, which is why we connect you with a single, dedicated broker who will serve as your expert guide to finance. With access to our panel of 40+ lenders, your broker will be committed to guiding you through specific requirements, explain yacht assessments and structure repayment terms to fit your situation.
Key Benefits
Why Choose Stratton for Yacht Finance
Securing finance for your yacht shouldn’t mean settling for the first option you’re offered. At Stratton Finance, we compare the options from our panel of lenders who actively support luxury and older-vessel purchases. We understand how lenders assess vessel age, condition and market value, as well as the documentation required for private sales or dealer purchases.
Your dedicated broker will handle the application process, clearly explain options to you, and help you understand the finance structure before you commit. From application through to settlement (if approved), you’ll have a single point of contact guiding you through every step of the way, no runaround, no confusion, just straightforward guidance and competitive guidance for you.
Am I Eligible?
Eligibility will vary based on your circumstances and lender requirements. The key advantage of working with Stratton for your yacht finance is that you’ll gain access to a diverse range of lenders with different criteria. Your broker will take the time to understand your situation and work to help secure competitive rates and repayment options suited to your individual needs. Some examples of criteria that will be assessed are:
Best Car Loans 2021–2025 & Best Loans 2026 (ProductReview) and Best Large-Size Brokerage 2023–2024 & Best Car Loans 2025 (WeMoney).
With over ${stratton-yrs-in-business} years of experience helping more than ${total-customers-serviced} people access ${total-finance-serviced} in finance, we have the knowledge you need.
With a ${product-review-rating} out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
We can assist with finance for a variety of marine assets
Our reputation precedes us. See why our customers rate us so highly!
Our success is driven by a strong commitment to exceptional service and customer satisfaction
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
From start to finish, we’re with you every step of the way, helping you get the keys, or funds, in your hands!
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best boat finance options from our panel of over ${total-lenders} lenders.
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to pick up your new boat and sail away with confidence.
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Yes, finance is available for both new and used yachts, including luxury vessels. Lenders will assess the yacht’s age, condition, and market value when determining loan eligibility and terms. Older yachts may attract different rates or require a larger deposit, and some lenders set maximum age limits.
Your dedicated broker can help you navigate which lenders are the best fit for the specific yacht you are looking to purchase.
Yes, finance is available for yachts purchased through these types of sales. Different sale types may require different types of documentation, depending on the lender.
Loan repayment terms typically range from 1 to 7 years, subject to lender criteria. Longer terms can reduce monthly repayments, while shorter terms could reduce the overall interest rate paid.
Deposit requirements vary by lender and depend on factors including the value and age of the yacht, your credit profile, and your overall financial position.
A deposit may be required for older vessels or higher-value yachts. Some lenders may offer yacht finance without a deposit for Australian buyers with a strong financial profile.
Your Stratton broker will clarify what applies to your situation.
Rates can vary depending on the age and condition of the vessel, as lenders factor in asset risk when pricing loans. Older yachts may attract higher rates or more restrictive lending criteria compared to newer vessels.
Yes, refinancing options are available if you’re looking to secure a more competitive rate, adjust your loan term, or restructure your repayments.
Speak with your dedicated broker to understand whether refinancing makes sense for your situation and what options may be available.
In some cases, it may be possible to include certain onboard equipment or upgrades within the finance amount, subject to lender approval. This can cover items such as navigation systems, safety equipment, or other vessel improvements. Eligibility depends on the lender and the nature of the equipment being financed.
Your Stratton broker will confirm what can be included based on your specific loan application.
