Forces Help to Buy

As Ex Forces Veterans we understand better than anyone the need to secure a home before your career ends and you have to move out of your SFA. 

Forces Help to Buy

There is no better time to get on the housing ladder with the aid of the forces help to buy scheme, combined with interest rates on mortgages being at their lowest rates for years.

We specialise in dealing with lenders who are sympathetic to HM forces applicants, often accepting credit scores may be low due to overseas postings and not being on the electoral role in the UK for years.

What is the scheme?

Regular armed forces personnel can benefit from a £280 million scheme to help them get on the property ladder. The Forces Help to Buy scheme enables servicemen and servicewomen to borrow up to 50% of their salary, interest free, to buy their first home or move to another property on assignment or as their families needs change. We offer free forces help to buy scheme mortgage advice.

The pilot scheme, which launched in April 2014 and has now been extended to 31 December 2022, aims to address the low rate of home ownership in the armed forces.

Who can use the forces help to buy scheme?

All regular personnel who:

  • have completed the pre-requisite length of service
  • have more than 6 months left to serve at the time they apply
  • meet the right medical categories

However, it is recognised that there may be instances where exceptions to the standard rules may be justifiable, especially where there are extenuating medical and personal circumstances.

How much can be borrowed under the Forces Help To Buy Scheme?

This forces help to buy scheme allows service personnel to borrow up to 50% of their annual salary, to a maximum of £25,000. This can be used towards a deposit and other costs such as solicitor’s and estate agent’s fees.

How to get it?

Servicemen and servicewomen can apply for the loan online through the Joint Personnel Administration system and can seek advice on their application through their Chain of Command and personnel agency.

If you are considering buying a home, but have not done so before, let us guide you through the whole process, including finding solicitors and the right insurance to protect your home and your family. We provide free impartial mortgage advice in Wiltshire and nationwide also for the  forces help to buy scheme.

If you are using the forces help to buy scheme to purchase your first home, please read our “first-time buyer mortgages” page for further information.