Forces Help to Buy Mortgages

Supporting Armed Forces Personnel in Achieving Homeownership

The Forces Help to Buy (FHTB) scheme is a government initiative designed to help regular service personnel get on, or move up, the property ladder. Whether you're a first-time buyer, relocating due to a posting, or adapting your home to meet family needs, this interest-free loan could be the support you need.

What is the Forces Help to Buy Scheme?

The Forces Help to Buy scheme allows eligible military personnel to borrow up to 50% of their annual salary, interest-free, up to a maximum of £25,000. This money can be used towards a deposit and other costs such as solicitor fees, estate agent charges, and even moving expenses.

Key Features

  • Interest-Free Loan
    Borrow up to £25,000 with zero interest charged.

  • Versatile Use
    Funds can go towards your deposit, legal fees, and associated home-buying costs.

  • Flexible Repayments
    Repayments are spread over 10 years and deducted directly from your monthly salary.

Who’s Eligible?

You may be eligible if you:

  • Are a regular serving member of the Armed Forces

  • Have completed at least 12 months of service and Phase 1 training

  • Have at least 6 months of service remaining at the time of application

  • Meet the necessary medical and disciplinary criteria

Please note: The scheme is not available to reservists or members of the Military Provost Guard Service.

How It Works

  1. Check Eligibility
    Ensure you meet the criteria and have a property in mind.

  2. Apply via JPA
    Submit your application through the Joint Personnel Administration system, ideally at least six weeks before your intended purchase.

  3. Loan Issued
    Once approved, the funds are released to your solicitor to assist with the purchase.

  4. Start Repayment
    Loan repayments begin the month after completion, taken directly from your salary over the agreed term.

Why Use J Finance?

At J Finance, we understand the unique challenges faced by those in the Armed Forces. From navigating military pay structures to understanding how postings and allowances affect affordability, we’re here to guide you every step of the way.

We’ll:

  • Help you understand how much you can borrow

  • Match you with lenders who support Forces Help to Buy

  • Handle the paperwork and liaise with solicitors

  • Make the process as smooth as possible, wherever you’re based

Ready to Get Started?

If you’re serving in the Armed Forces and want to use the Forces Help to Buy scheme, we’re here to help. Contact us today for friendly, expert mortgage advice tailored to your circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.