OWN THE WATER FROM $98/WEEK
Aussie Boat Loans hunts down the cheapest boat finance from 60+ banks & marine lenders. New, used, private sale, yacht, jetski — approved in 4 hours, settle in 24. No deposit options. Australia-wide.
Australian Credit Licence 389 842 • 100% Aussie owned
We speak boats, banks speak paperwork. We translate.
Aussie Boat Loans was founded by two deckhands-turned-brokers in Manly who were sick of banks treating a Riviera like a used Corolla. Today we're Australia's largest dedicated marine finance brokerage — we do only boats: tinnies to superyachts, loans $15k to $5M.
Unlike car loan websites, we understand survey reports, AMSA registration, mooring vs trailer, commercial survey, liveaboard insurance and why a 2008 Haines Hunter holds value better than a 2020 cheap import. That means higher approvals, lower rates and no silly declines.
- ✓Whole market access: ANZ, Westpac, Macquarie, Liberty, Plenti, OurMoneyMarket + 54 specialist marine funders. We bid them against each other for you.
- ✓Boat people, not bankers: Every broker owns a boat. We know hull values, engine hours, osmosis checks and RedBook Marine.
- ✓Zero fees to you: We're paid by the lender. No broker fee, no early payout fee on most loans, free PPSR + title check ($89 value).
“If we can't beat your bank by 0.5%, our service is free.”
One broker. Every type of hull & deal.
Secured marine rates from 5.89% p.a. (comparison 6.21%). Unsecured from 7.99%. All with redraw, extra repayments and balloon options for ABN.
Trailer & Fishing Boats
Quintrex, Stacer, Bar Crusher, Haines from $15k. 7-yr terms, no deposit for 720+ scores. Include trailer, electronics, safety gear in one loan.
5.89% p.a. from • $98/wk per $35k
Calculate →Yachts & Cruisers
Sea Ray, Bavaria, Beneteau, Lagoon $80k–$2M. Marine mortgage up to 10 yrs, interest-only, liveaboard OK, survey & berth finance included.
6.19% p.a. from • Pre-approval 4h
Get pre-approved →JetSki, Tender & ABN
Sea-Doo, Yamaha WaveRunner, tenders, commercial charter & fishing ABN loans. Low-doc, 24h settlement, GST / balloon + tax benefits.
6.49% p.a. from • Low-doc OK
ABN info →| Loan type | Rate from | Max term | Deposit | Best for |
|---|---|---|---|---|
| New boat secured | 5.89% p.a. | 7 years | 0-10% | Dealer new under 3 yrs |
| Used boat secured | 6.49% p.a. | 7 years | 10-20% | Private sale, interstate |
| Yacht marine mortgage | 6.19% p.a. | 10 years | 20-30% | $150k+ surveyed yachts |
| ABN / Commercial | 6.79% p.a. | 5 years | 0% + GST | Charter, fishing, hire |
Comparison rates based on $50,000 over 5 years. Subject to credit approval. Fees, T&Cs apply. This is general info, not personal advice.
What will your weekends cost?
Slide it. See it. Afford it. Live repayment estimate with Aussie marine rates.
From $15k tinnies to $5M superyachts
✓ Private sale cover
We hold funds in trust, pay seller after PPSR, HIN & stolen check, organise interstate transport & insurance. 38% of our loans are private sales.
✓ Import & interstate
Buying from QLD while in VIC? US import? We handle currency, customs, AMSA registration, surveyor booking and berth proof for marina approval.
✓ Refinance & upgrade
Paying 9%+? Refinance to 5.89% and save $4,200 on avg $60k loan. Consolidate trailer + motor + credit card into one low marine rate.
Quote to keys in 4 steps. No branch visits.
3-min quote
Tell us boat, price, deposit. Soft credit check only — no score impact. Get real rate, not teaser.
4-hr pre-approval
We shotgun 60+ lenders, negotiate, send you winner + backup. Valid 90 days, free to walk away.
Boat checks
Free PPSR, HIN, encumbrance, flood & write-off check + valuation. Surveyor arranged if needed.
24h settlement
E-sign, dealer/seller paid same day, insurance bound, rego transferred. Splash Saturday!
Aussies rate us higher than their boats.
“Bank said no to a 2015 Haines private sale. Aussie Boat got 6.19% approved in 3 hours, paid the bloke in Townsville, even sorted transport to Sydney.”
— Mick T., Cronulla • Bar Crusher 615“Refinanced from 11.2% to 5.99%. Saved $187/month. Whole thing done over text while I was at work. Insane.”
— Sarah & Dave L., Brisbane • Sea Ray 230“Low-doc ABN charter loan for a Lagoon 42. Other brokers laughed. These guys got marine mortgage over 10 years with balloon.”
— Chris P., Airlie Beach • Charter BusinessBoat loan questions, no fluff.
What deposit do I really need?
0% possible with 700+ credit score and stable job. But 10% gets best rates, 20% avoids LMI-type marine loading and gets 10-yr yacht terms. We can roll rego, insurance, safety gear into loan.
New vs used — rate difference?
New (under 2 yrs): 5.89%+. Demo: 5.99%+. Used dealer: 6.29%+. Private sale 5+ yrs old: 6.49-7.99% depending on engine hours & survey. We show all options side-by-side.
Can I finance berth, trailer, motor separately?
Yes — bundle everything: boat + trailer + outboard repower + electronics + 12m berth bond + transport + insurance into one secured loan. One repayment, lower rate than credit card.
I'm self-employed / low-doc?
ABN 12+ months + 6 months BAS or accountant letter = low-doc approval. Charter income can be used. Balloon 20-30% to cut repayments + GST claim.
How fast is settlement interstate?
Pre-approval 4 business hours. Formal + PPSR same day. Seller paid within 24h of signed docs + insurance cover note. Transport 2-7 days extra.
Boat finance intel, weekly.
Rates, reviews, buying guides & Aussie boating law — written by brokers who own boats.
No news yet — check back after Melbourne Boat Show. Meanwhile, get a quote.
Stop scrolling boats you can't buy. Start floating.
Free quote, soft check only. Broker calls within 15 mins 8:30-18:00 AEST.
- ✓1300 042 622 — Sydney HQ, answers in 3 rings
- ✓Level 27, 1 Bligh St, Sydney NSW 2000 + Brisbane & Perth pods
- ✓Mon-Fri 8:30-18:00 • Sat 9-14 • Sun online only
Get my rate — 60 seconds
No spam. No impact to score. Real broker reply.