Purchasing a yacht is a significant investment—one that often requires a tailored financial approach. Whether you’re looking to upgrade your current vessel or secure your first yacht, a secured loan for yacht purchase can provide the flexibility and speed you need to move forward with confidence. At Secured Lending, we’ve advised and assisted borrowers with yacht purchases, helping them navigate the complexities of finance and settlement with clarity and assurance. Secured Lending can help you move fast with a secured loan for yacht purchase. Assess your scenario today.
Why Consider a Secured Loan for Yacht Purchase?
A secured loan is a straightforward way to access the capital required for a yacht purchase. By leveraging your residential or commercial property as collateral, you can unlock larger loan amounts, benefit from competitive rates, and enjoy more flexible terms than unsecured options. This approach is especially useful when you’re managing time-sensitive opportunities, such as a limited-time offer on a vessel or an urgent settlement deadline.
Key Benefits of a Secured Loan for Yacht Purchase
- Fast Access to Funds: When you need to act quickly—perhaps to secure a rare yacht or meet a tight settlement window—a secured loan can deliver funding within 24 hours. Secured Lending specialises in same day settlement, so you don’t miss out on opportunities.
- Higher Borrowing Power: Using property as security allows you to borrow more, making it easier to cover the full purchase price or associated costs like upgrades, transport, or registration.
- Flexible Repayment Options: Secured loans can be structured to suit your cash flow, whether you prefer interest-only payments or a tailored repayment schedule.
- Lower Interest Rates: Because the loan is secured against property, lenders are often able to offer more competitive rates compared to unsecured finance.
- Certainty and Control: You maintain control over your assets and can negotiate terms that align with your broader financial strategy.
How Secured Lending Supports Your Yacht Purchase
Secured Lending is a Private Lender in Australia with deep experience in urgent settlement scenarios, including yacht purchases. We understand that timing is critical—whether you’re finalising a deal at auction, negotiating with a broker, or coordinating delivery. Our team reviews your scenario, structures the loan to your needs, and coordinates all steps for a seamless experience.
We’ve facilitated over $500 million in loans for urgent settlement needs, including business bridging loans, second mortgage, and secured business loans. Our process is direct and outcome-driven: you get clear answers, fast approvals, and certainty at every stage.
Bridging Loans for Yacht Purchase
Sometimes, your capital is tied up in another asset—perhaps you’re waiting for a property sale to settle, or you’re in between investments. In these cases, a bridging loan can be the ideal solution. Bridging loans are short-term, secured loans designed to “bridge the gap” between your immediate need (such as a yacht purchase) and the release of funds from another transaction.
With Secured Lending, you can arrange a bridging loan using your residential or commercial property as security. This allows you to move quickly, secure the yacht you want, and repay the loan once your other funds become available. Our team can confirm eligibility and arrange funding within 24 hours, so you don’t lose momentum.
Why Work with a Private Lender?
As a non-bank commercial lender in Australia, Secured Lending operates nationwide—serving clients in Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, and Canberra. We’re a non-bank lender, which means we’re not bound by the same rigid criteria as traditional banks. This allows us to review your scenario on its merits, provide fast decisions, and offer solutions that mainstream lenders may not.
Our approach is personal and practical. We coordinate directly with you (and your advisers, if needed), confirm the best structure for your loan, and arrange settlement on your timeline. Whether you need a second mortgage, a secured business loan, or a bridging loan for your yacht purchase, we’re here to help you move quickly and confidently.
Real-World Scenarios: How Secured Lending Makes a Difference
- Urgent Settlement: You’ve found the perfect yacht, but the seller requires a fast settlement. Secured Lending can arrange same day settlement, using your property as collateral, so you don’t miss out.
- Cash Flow Gaps: Your funds are committed elsewhere, but you need to act now. A secured loan or bridging loan can provide the liquidity you need, with repayment structured around your cash flow.
- Complex Purchases: Yacht purchases often involve multiple parties, tight deadlines, and unique requirements. Our team reviews your scenario, coordinates with all stakeholders, and ensures a smooth process from approval to settlement.
How We Can Help
Secured Lending is committed to removing friction and reducing stress from the lending process. We provide strategic lending advice for yacht purchases, drawing on years of experience in business finance and asset-backed lending. Our team will review your scenario, confirm your options, and arrange the right solution—whether you need a bridging loan, second mortgage, or caveat loans.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
Frequently Asked Questions
1. Can I use my home or commercial property as security for a yacht purchase loan?
Yes, with Secured Lending you can leverage your residential or commercial property as collateral for a secured loan. We do not accept other types of assets as security.
2. How quickly can I access funds for a yacht purchase?
We specialise in fast approvals and same day settlement. In many cases, funding can be arranged within 24 hours of approval.
3. What if I need a short-term loan while waiting for another asset to sell?
A bridging loan is ideal for this scenario. We can structure a short-term, secured loan to cover your yacht purchase until your other funds are available.
4. Are there restrictions on the type or value of yacht I can purchase?
We review each scenario individually. The main requirement is that you have suitable property to offer as security. The yacht’s value and purchase details will be considered as part of the loan assessment.
5. Do you operate outside major cities?
Yes, as a private lender in Australia, we operate nationwide—including Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, and Canberra. We can assist borrowers Australia-wide.
