Tom Vinton recognises the description of the house that Jago Halcrow wanted Kevin to burgle and realises that Jago and his friends are after an invention of Commander Roger Treatt's (Tom's older brother Jabez is in the Navy and works for the Commander).
Tom manages to get word to Jabez, and the Mackenzies are taken to a safe area leaving Anstace, Humphrey and Tom on the boat. Tom goes off to buy bread and is recognised by some of Jago Halcrow's gang.
He leads them a merry dance over the countryside and finds refuge with a bargeman. The bargeman agrees to help and goes to find the "Rosannah" (Anstace had changed the boat's name for safety reasons). He walks into a fight between the Navy and Jago Halcrow's men.
The Navy win, but then realise that Humphrey and Anstace are missing. They are found cast adrift in a dinghy and are rescued.
The Mackenzies go to live at Fardingales with Anstace and Humphrey. Kennie is to go to school and Kevin will be apprenticed to a boat builder. When Kennie leaves school they will go to New Zealand to join their friends there. Tom will finish his course and join a ship; Humphrey will go to college and train for land-agency work whilst Anstace will end up safely married to Commander Treatt.