Showing Beyond the Shining Water by Audrey Howard

When Lily Elliott’s father dies she loses everything - not just a beloved protector and his wonderful ship the Lily-Jane, but also the way of life she has always known. As her mother sinks into a dream-world and the money which had always seemed sufficient turns out to have been mostly debts, Lily watches, bewildered, as destitution comes ever closer for the Elliott women and their loyal housekeeper. Then two rescuers appear. One is the most unlikely saviour: Liam O’Connor, a poor seaman who selflessly befriends the unhappy little girl. The other is Joshua Crowther, the wealthy owner of Oakwood Place, a grand country mansion where the desperate women finally find refuge.