Houseboat financing in European countries varies depending on local regulations, banking practices, and the popularity of living on water. In general, traditional mortgage products are not available for houseboats because they are considered movable property rather than real estate. Instead, buyers typically rely on marine loans, personal loans, or leasing arrangements to finance their purchase.
In countries like the Netherlands and Germany, where living on houseboats is more common, specialized marine lenders and cooperative banks often provide financing with terms ranging from 5 to 20 years. France also allows for houseboat living, but buyers usually turn to personal loans to fund their purchase. The UK has a well-established market for narrowboats and liveaboard vessels, with marine finance companies and credit unions offering tailored loan products. In Scandinavia, houseboat financing is less developed, and most buyers rely on unsecured personal loans.
To qualify for financing, borrowers typically need to demonstrate proof of income and residency. Lenders often require a marine survey, insurance, and in some cases, proof of a registered mooring or permanent address. Interest rates on marine loans are generally higher than those for traditional mortgages, and down payments usually range from 10% to 30% of the boat’s value.
UK marine financing
Tickety Boo Finance: www.firstbusinessgroup.co.uk
Promarine Finance: www.marine-finance.org
Arkle Finance: www.arklefinance.co.uk
Please remember: 0 VAT in the UK for stationary houseboats imported to the UK from Poland even for private individuals (just import it as a stationary houseboat for housing reasons).
Boat loan financing in the Netherlands
Bootfinancieringen: www.bootfinancieringen.nl
A7Finance: www.a7finance.nl
Hypotheken Centrum Lemmer: www.hypothekencentrumlemmer.nl
New boat finance in Germany
akf bank: www.akf.de
