yacht leasing

Personalised Yacht Financing

Experience the ultimate in yacht ownership with SJMF. As your trusted partner, we offer unmatched support, making your dream yacht a reality.

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We offer customised and
attractive leasing to European
yacht owners.
Our established team has
over 30 years of experience
in yacht financing.
type of lease


We help you finance and purchase the yacht of your dreams.

Our financial product is an ideal option if you seek finance between €500K and €1M for your selected yacht. It is a straightforward product, applicable for yachts that are used privately or commercially.

The yacht will be purchased by the St Julian’s Maritime Finance Ltd (“the Lessor”), and at the start of the lease, the economic ownership of the yacht will be transferred to the user (“the Lessee”), however during the term of the lease the legal ownership is retained by the Lessor. The full ownership of the yacht will be transferred to the Lessee when the purchase option at the end of the lease has been paid.

We offer financial leases for new and used yachts with lease terms from 2 to 7 years with equal monthly rentals/instalments.

In most cases, we require a down payment of 30% to 40% (max LTV 70%) and allow a purchase option (last bullet payment) of 10% to 30%.

Lagoon 55 Yacht
type of lease

Operating Lease

We help you finance and purchase the yacht of your dreams.

Our unique operating lease is the most suitable finance product for higher valued commercially and privately used yachts, in particular, the VAT treatment for privately used yachts is very beneficial as the VAT is not charged on the purchase value but on the lease rentals.
For every lease a new dedicated company will be set up, and this Special Purpose Vehicle (“SPV”) will be solely operated for your leased yacht. The SPV will be fully owned by St Julian’s Maritime Finance Ltd.
The yacht will be purchased/owned by the SPV (“the Lessor”), and the yacht will be rented for the fixed lease period by the client (“the Lessee”).

At the end of the lease, the Lessee will have the right to purchase the yacht or to purchase the SPV which owns the leased yacht.
We offer Operating leases to new and used yachts with lease terms from 2 to 7 years with equal monthly rentals.
In most cases, we will require a first down payment/loan of 30% to 40% (Max LTV 70%) and allow a 10% to 30% remaining financed balance at the end of the lease.

Finance during the construction period is also considered for certain suppliers.

For commercial use (chartered) yachts no VAT will be calculated on the lease rentals.

For privately used yachts, the deferral of VAT payment is optimized by spreading the
VAT over 20 years. The most significant VAT savings occur when the yacht is eventually sold or upgraded. As a lessee, you will have paid VAT only on the depreciation, meaning the yacht will be sold as NON-VAT PAID.

At the point of resale, there is a value difference between a VAT PAID and a NON-VAT PAID yacht. The VAT PAID status on a yacht is only valuable to private European buyers, while a NON-VAT PAID status yacht appeals to buyers worldwide. With our operating lease product, the yacht will remain a NON-VAT Paid status yacht.


Get your customised financial proposal today.

1. Request a Quote

We require the value of the yacht, the term of the lease, and your details as a future client.

2. Term Sheet Issued

When you accept our initial offer we will send you a formal offer in the form of a lease term sheet for your acceptance. The Term sheet contains also a list of documents required for KYC and Credit assessment.  At the submission of the signed term sheet and requested documents a retainer fee will be required.

3. KYC and Credit Due Dilligence

Based on the submitted term sheet and requested client and yacht documentation our compliance and credit committee will review and evaluate. At the acceptance of the lease application, the customer will receive a formal approval letter of the credit granted.

4. Contract Phase

We will send you the full contract documentation for approval and signature. After the document has been received and signed and the upfront fee and/or any applicable down payment have been settled we will countersign the contract.

5. Execution

Once the contract has been signed St Julian's Maritime Finance will order your yacht or will take over your purchase contract. At delivery of the yacht to St Julian's Maritime Finance, the balance payment will be settled and the yacht will be formally registered under the Malta flag. The yacht will subsequently be delivered to you for full enjoyment.
ancillary services

Complement your

Sourcing maintenance providers
Selecting the most suitable insurance company
Flag Registration
Advising on the selection of the most suitable yacht for your needs