Steam Yacht ZAREFAH. The photograph was found in Dorothy Brown's papers and there is perhaps a connection back to her father Hartley Brown who served in minesweepers towards the end of WW1.
A note on the back says "Struck a mine /5/17" Photograph by A. Rapp (?), 39 Bernard Street, Southampton.

Built 1905 G. Brown & Co., Greenock as MARETANZA V. ON 120519. 1914 ZAREFAH was owned by E. Steane Price [LRY 1914]

The yacht was identified by Kevin Heath - see his details of the ZAREFAH on lostinwatersdeep.co.uk
Date: c1914