Armed Forces Help to Buy Mortgage
Armed Forces Help
to Buy Mortgage
Forces Help to Buy supports armed forces personnel with an interest free loan to help buy a home while managing military life.
What Is Forces Help To Buy Scheme?
Forces Help to Buy (FHTB) is a government initiative aimed at making homeownership more accessible to those who serve in the UK armed forces. The scheme allows you to borrow a portion of your salary, interest-free, to cover the cost of a deposit or other associated expenses when buying a property.
This scheme is open to both first-time buyers and service personnel who need to move due to operational or personal reasons. With FHTB, owning a home becomes much more achievable, helping you take that next step in building your future.
How Does Armed Forces Right To Buy Work?
This scheme can significantly reduce the amount of money you need to save for a deposit, making it easier to secure a mortgage and move into your own home.
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Benefits Of The Armed Forces
Help To Buy
No Need for a Large Upfront Deposit
The scheme allows you to borrow up to 50% of your annual salary (max £25,000) interest-free. This money can be used for: A house deposit (reducing the amount you need to save upfront). Legal fees and other costs (surveys, solicitor fees, etc.). Stamp Duty (if applicable). Many first-time buyers struggle to save for a deposit while covering rent and living expenses. This scheme removes that barrier.
No Interest on the Loan
Unlike traditional loans or credit, the amount borrowed under the AFHTB scheme is completely interest-free. Other loans or credit cards would charge high interest, but this lets you borrow without extra cost, making homeownership more affordable.
Affordable Repayments
The loan is repaid over 10 years through your salary at a manageable rate. Since repayments are deducted before you receive your pay, it makes budgeting easier and ensures you don’t miss payments.
Can Be Used Alongside Other Schemes
The Armed Forces Help To Buy can be used with: Lifetime ISA (LISA) Shared Ownership Right to Buy You can combine financial support options to boost your buying power.
Stability & Long-Term Investment
Buying a home with Armed Forces Help To Buy means you can stop wasting money on rent and start building equity. Whether you plan to live in the home or rent it out, it provides a stable financial asset for your future.
No Impact on Mortgage Options
Lenders accept AFHTB as part of your deposit, meaning you can still access competitive mortgage deals. Unlike other loans, using AFHTB won’t negatively impact your credit score or borrowing power.
This scheme can significantly reduce the amount of money you need to save for a deposit, making it easier to secure a mortgage and move into your own home.
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Simple, Straightforward Approach
Simple, Straightforward Approach
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Thousands of Products
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Free Property Insights and Reports
Free Property Insights and Reports With our online portal, you can quickly access detailed reports about your chosen property, making it easier to make informed decisions. Reports include:
• Broadband speeds – Check connectivity before moving in.
• Energy efficiency rating – Know how much your bills might be.
• Local property trends – See prices in your postcode and compare similar homes.
• Area insights – Find out about crime rates, common professions, and property types nearby.
• Environmental info – Flood risk, geology, radon, and nearby infrastructure projects
.
Plus, our handy home-buying checklist keeps you organised at every step.
Flexible Appointment Options
Flexible Appointment Options How to Apply For Forces Right To Buy
Applying for the Forces Help to Buy scheme is a simple, straightforward process:
Confirm Your Eligibility
Ensure you meet the service length and other criteria to qualify for the scheme. If you’re unsure, a UKMC adviser can help you confirm your eligibility.
Submit Your Application
Apply for the loan through the Joint Personnel Administration (JPA) system. This is where you’ll submit your request for the Forces Help to Buy advance.
Receive Your Offer
Once your application is processed, you’ll receive confirmation of how much you’re eligible to borrow — up to 50% of your annual salary, with a maximum of £25,000.
Find a Mortgage
Once approved for the FHTB loan, work with a UKMC adviser to secure a mortgage that will cover the remaining cost of the property, factoring in the loan.
Repayment Planning
Once you’ve secured your property and the purchase is complete, your monthly repayments will be deducted from your salary, over a period of up to 10 years.
Who Is Eligible?
Forces Help to Buy is available to regular armed forces personnel who meet the following criteria:
- At least 12 months of service: You must have served at least one year in the armed forces.
- Six months or more of service remaining: You need to have at least six months left on your service contract when applying for the scheme.
- First-time buyers or those relocating: The scheme is open to first-time buyers or those who need to relocate due to service-related circumstances.
If you meet these conditions, you could be eligible to apply for the Forces Help to Buy scheme and start your homeownership journey.
what our clients saying about us
At the end of my tether I was introduced to Sam from UKMC.
Previous advisors had failed to find me any deals worth looking at and I was feeling most despondent. Destined to continue paying waaaay too much for my mortgage.
Creative Director, TUX Creative Co
At the end of my tether I was introduced to Sam from UKMC.
Previous advisors had failed to find me any deals worth looking at and I was feeling most despondent. Destined to continue paying waaaay too much for my mortgage.
Creative Director, TUX Creative Co
At the end of my tether I was introduced to Sam from UKMC.
Previous advisors had failed to find me any deals worth looking at and I was feeling most despondent. Destined to continue paying waaaay too much for my mortgage.
Creative Director, TUX Creative Co
Frequently asked questions
Got questions? Let’s answer them
What is Forces Help to Buy?
Who is eligible for the scheme?
Can I use Forces Help to Buy as a first-time buyer?
Can I buy any property with the scheme?
How is the loan repaid?
