Calculate marine finance repayments for Australian boat, yacht, and personal watercraft purchases. Includes on-water costs and seasonal considerations.
| Cost item | Amount |
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Marine loans in Australia are typically secured against the vessel. Rates are generally higher than car loans (10–15% p.a.) due to vessel depreciation and seasonal usage risk. Most lenders require a marine survey for boats over 5 years old or over $50,000.
Registration: $150–$500/year (varies by state and vessel length) | Marina berth/mooring: $3,000–$20,000+/year | Insurance: 1–2% of vessel value | Maintenance: 10% of vessel value/year (rule of thumb) | Fuel: varies significantly.