Boat mooring mortgages
We are a specialist mortgage provider for land which has planning consent for mooring a houseboat. If you need a mortgage to buy land, we offer boat mooring land mortgages for borrowers who want to pursue a low-impact lifestyle in the UK.
A variable rate currently 6.50% is applicable
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment
You can borrow up to 70% of the moorings purchase price or current value (whichever is the lower), subject to eligibility
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years
Mortgages are available on a repayment basis only
A non-refundable mortgage application fee of £300 is payable in addition to a mortgage valuation fee
Our minimum loan amount is £7,000 and our maximum mortgage term is 25 years, subject to eligibility
Our mortgages for moorings are not regulated by the Financial Conduct Authority.
Planning consent to moor a boat on the land will need to be in place before we lend any mortgage funds.
Our approach to lending
- We are experts in providing mortgages to buy land for mooring a house boat
- You must already own or be in the process of purchasing a houseboat (the mortgage is only available for the land, not the houseboat).
Our mortgages are available across the UK (England, Scotland, Wales and Northern Ireland).
Our standard of service
Where a mortgage is not regulated by the Financial Conduct Authority (FCA) (as shown on the 'Key features' tab), you will be provided with full information about the mortgage products available from the Society so that you can make an informed decision as to which is suitable for your requirements.
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|Value of property not exceeding||Fee|
|Up to each £50,000 thereafter add||£30|
Please note these fees apply to residential and buy-to-let applications. Valuation fees include VAT. In all other instances, the fee required will be determined on a case-by-case basis.
A non-refundable mortgage application fee of £300 is payable in addition to a mortgage valuation fee.
Early repayment charge
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.
Our service, fees, tariffs and charges
The Society reserves the right to amend existing services and charges, or to introduce new ones.
Any change to charges will only reflect the increased operational costs of providing the service. You will always be notified before any changes are implemented.
For further details and tariff information please see Our rates and charges leaflet.
Do you lend on moorings with a licence?
No we only lend on freehold or long term leasehold moorings with planning permission rights to moor a houseboat.
Do you lend for both the purchase of the mooring land and houseboat?
We only provide mortgage finance for the purchase of the mooring land.