marine finance varies a lot
Bank of Scotland, Nat west , and others all provide money whih normally is a personal loan not secured on the craft -------you then have a marine mortage which is cheaper than the first mentioned but the loan operates in the same way as you mortgage at home secured on the vessel
The best and cheapest way is to utilise the equity in your house.
Stuck for finance try bank of scotland first they are the easiest to deal with
need any further information PM me and i will send you all the details you need.