Aircraft finance funds the purchase of a new or pre-owned private jet, or releases capital from one you already own. Specialist aviation lenders typically advance around 50% of an independent valuation. The loan is secured by a registered aircraft mortgage, and the aircraft stays in operation. We arrange loans from over £25,000 to £50m+. Most cases take 2 to 4 weeks, though a straightforward one can take as little as 2 days. We work with private owners and high-net-worth individuals, owning companies and trusts, family offices and corporate flight departments.
Loan-to-value
Typically around 50%
Loan size
Over £25k to £50m+
Arranged in
2 days to 4 weeks
Valuation
Independent appraisal
Confidentiality
NDA on request
Our role
Broker, not a lender
Can you finance a private jet?
Specialist aviation lenders fund new and pre-owned private jets, and lend against aircraft you already own. They typically advance around 50% of the appraised value, depending on age, hours and maintenance. Most jets are owned through a company or trust, which lenders are used to. We arrange loans over £25,000.
How does aircraft finance work?
The lender takes a registered mortgage over the aircraft and lends a percentage of its appraised value, releasing the security once you repay. Most of the work is in the records: ownership, registration and maintenance history, engine and airframe programmes, operator arrangements and insurance.
Tell us about the aircraft. Manufacturer, model, year, registration and hours. Confidentially, under NDA if you prefer.
Terms from specialist aviation lenders. You see indicative terms before anything is agreed, and you choose the lender.
Appraisal and due diligence. An independent appraiser reviews the aircraft and its records, and the lender confirms title and insurance. Funds follow once the mortgage is registered.
What can aircraft finance cover?
Refinancing and equity release
New and pre-owned aircraft purchases
Borrowing against other assets? We also arrange lending against fine art, yachts, watches and other luxury assets. See luxury asset lending.
Can I keep flying the aircraft?
Yes. The aircraft stays in operation, privately or with an operator for charter. Your insurance and maintenance programmes need to stay current, and lenders may set conditions on where the aircraft is based and operated.
Who uses aircraft finance?
Owners, owning companies, family offices, corporate flight departments and charter operators. Common uses include funding a purchase or upgrade, refinancing and releasing equity from an aircraft owned outright. It can also fund major maintenance or a refurbishment.
Aircraft finance FAQs
Can you fund an aircraft purchase as well as refinance?
Yes. Lenders fund purchases of new and pre-owned aircraft, and release equity from aircraft already owned outright. New aircraft are funded at delivery, once the aircraft is complete and appraised.
Does the aircraft's age matter?
Yes. Lenders look at age, hours, maintenance history and whether the engines are on a maintenance programme, because these drive value and resale. Older aircraft can still be financed, often at a lower loan-to-value or over a shorter term.
Can a company own and borrow against the aircraft?
Yes. Most private aircraft are owned through a company or trust. Lenders are used to these structures, including where an operator manages the aircraft. Tell us the ownership and operating set-up when you enquire.
What is the minimum loan?
We arrange loans over £25,000. Lenders advance only a percentage of the appraised value, so the aircraft needs to be worth comfortably more than the loan.
How much can I borrow against an aircraft?
We arrange aircraft finance from over £25,000 to £50 million+. Lenders typically advance around 50% of the appraised value. Sometimes they lend more, depending on the aircraft's age, hours, maintenance status and your circumstances.
How long does aircraft finance take?
Typically 2 to 4 weeks, and as little as 2 days for a straightforward case. Timing depends mostly on the appraisal and records review, as well as ownership checks and insurance. Larger or more complex aircraft take longer.
What does aircraft finance cost?
Rates typically start from around 7% a year. They depend on the aircraft, the loan size, the loan-to-value and your circumstances. There are also appraisal, legal and registration costs. Rates and fees vary by lender and case.
Can I raise finance for maintenance or a refurbishment?
Often, yes. Releasing equity from an aircraft you own can help fund a major maintenance event, an engine overhaul or a cabin refurbishment. Lenders will look at the aircraft's value and how the work affects it.
How do I refinance an aircraft loan?
A new lender repays your current one and takes over the security. Expect a fresh appraisal, a review of the maintenance records and a redemption statement from your current lender. Check for early repayment charges first. Refinancing can lower the rate, extend the term or release extra cash.
Tell us about the aircraft. A specialist will call you, and we can sign an NDA before you share details. Loans over £25,000.
No obligation. We are a broker and may receive commission from lenders.