The right mortgage for you depends on many factors, including your budget, credit score, life stage, deposit size, the type of property you’re buying and
The right mortgage for you depends on many factors, including your budget, credit score, life stage, deposit size, the type of property you’re buying and
The Armed Forces Help to Buy scheme is designed to help UK military personnel get onto the property ladder.
The Forces Help to Buy (FHTB) scheme is a government-backed initiative designed to assist Regular Service personnel in purchasing their own home. This interest-free loan allows eligible military members to borrow up to 50% of their annual salary, up to a maximum of £25,000, to help with a deposit and other home-buying costs
We specialise in making the mortgage process simple and straightforward. We’ll help you to understand and navigate through the entire home-buying process with ease, leaving you to focus on the most important things – like new flooring, comfy couches, and where to put the TV.
Our years of invaluable experience and expertise in finding the best mortgages for first-time buyers will get you closer to your dream of owning a home. Regardless of whether you’re worried that you won’t be able to borrow enough money to afford your ideal property or you’ve had to reduce the size of your deposit, we can help you to navigate these issues with our expert first-time buyer mortgage advice.
We search the whole of market, looking and comparing 1000s of mortgage rates for you. We’ll review your eligibility across hundreds of lenders and make sure to find the most suitable deal for you!
You’ll be assigned a dedicated mortgage adviser and case manager from your first call with UKMC, providing you with a single point of contact throughout your home-buying journey, ensuring you won’t be passed around to different team members for each query.
Your personal first-time buyer mortgage adviser will liaise with your chosen lender, surveyor, and solicitor on your behalf, helping to minimise stress and save you valuable time.
With our easy access portal, you’ll be able to seamlessly access and download comprehensive reports on your property with just a few clicks.
Reports include:
Broadband speed
Energy efficiency rating
Property price trends in your postcode
Breakdowns of property types, tenure, professions, and crime in your area
Flood risk
Geology report
Infrastructure projects
Radon risk
You can also access a handy home buying check list!
Life happens, and let’s face it, when you work a 9-5 job, it’s often impossible to make appointments during standard business hours. That’s why we offer late-night appointments 5 days a week. We are committed to accommodating your schedule, ensuring you receive the support you need at a time that works best for you.
The scheme allows you to borrow up to 50% of your annual salary (max £25,000) interest-free. This money can be used for:
Many first-time buyers struggle to save for a deposit while covering rent and living expenses. This scheme removes that barrier.
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.
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.
The Armed Forces Help To Buy can be used with:
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You can combine financial support options to boost your buying power.
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.
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.
You must be a regular service personnel who have served for at least 12 months.
You must have at least six months of service left at the time of application.
You must be a first-time buyer or moving to a new home due to military service needs.
Yes, in some cases, you can use the FHTB loan alongside schemes such as the Help to Buy Equity Loan in England or similar programs in Scotland and Wales. However, not all mortgage lenders support this, so it’s important to check with your provider.
Yes, service personnel on overseas deployments can apply, as long as the property will be occupied by immediate family or yourself upon return.
Forces Help to Buy can be used to support armed forces members with the costs of moving home.
This government scheme provides an interest-free loan of up to 50% of a service member’s annual salary, capped at £25,000, to help cover expenses related to relocation.
Whether personnel are downsizing, upgrading, or moving due to deployment or personal circumstances, the scheme offers crucial financial assistance. It can be used for costs such as solicitor’s fees, estate agent fees, and necessary renovations or adaptations to the new home.
By easing the financial strain of moving, Forces Help to Buy allows service members to focus on their duties and personal lives with greater peace of mind.
With Forces Help to Buy, you don’t need a deposit to benefit from this scheme.
Forces Help to Buy must be repaid over ten years through payroll deductions. This structured plan allows for gradual and convenient repayment, making it easier to manage the financial commitment over time.
The Forces Help to Buy Scheme is open to regular service personnel who have completed at least 12 months of service.
This includes members of the Army, Navy, and Air Force, whether they are purchasing their first home or moving to a new property.
Find expert guidance, and all the information you need to make informed decisions on your path to homeownership.
UK Mortgage Centre Limited is an Appointed Representative of Refresh Mortgage Network Limited. Refresh Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm number 1019794.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
The Financial Conduct Authority does not regulate will writing and taxation and trust advice.
You may be charged a fee for your advice. A typical fee is £495, which would be payable when you receive your mortgage offer. Your dedicated advisor will discuss this further on your free initial phone call.
Registered company number: 15825320
