Forces Help to Buy Mortgages

  • 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.


  • 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.

    • 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.

  • 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.

    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.

  • 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

  • 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.

    We are happy to hold meetings remotely or our advisers are based all over the UK in locations such as Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Yorkshire, Derbyshire and London.

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