Forces Help to Buy

If you’re a regular serviceman or servicewoman in the armed forces, the Forces Help to Buy scheme could let you borrow up to 50% of your salary, interest free.

This scheme is in place to help armed forces personnel to get on to the property ladder. If you are eligible, you can borrow money interest free to allow you to buy your first home, or move to a different home.

Who can use the Forces Help to Buy scheme?

As per the government website, all regular personnel who:

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

Can apply for the scheme. On occasion, exceptions to these rules may be justified if there are extenuating medical or personal circumstances.

How much can be borrowed under the Forces Help to Buy scheme?

You can borrow up to 50% of your annual salary (up to a maximum of £25,000). You can use this amount towards your deposit, or to cover the other costs of buying a home such as solicitor’s fees or estate agent’s fees.

The interest free loan can also be used in conjunction with Help to Buy. This combined use of both schemes presents a great opportunity for forces personnel to buy their first home.

How to apply for the Forces Help to Buy scheme?

If you are eligible for the scheme, you can easily apply for the loan online through the Joint Personnel Administration system. Your chain of command and personnel agency will also be able to offer advice and guidance on your application. For general advice on the process of buying a home, as well as tips for moving, check out our news section.

When is the Forces Help to Buy scheme ending?

The scheme has been extended until 31st December 2022. You can find out more around the scheme on the government’s guidance page.


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Subject to Forces Help to Buy terms and conditions. Available on new build homes only up to £600,000, subject to the government’s Help to Buy terms and conditions and only available to customers where a primary mortgage is secured. The Forces Help to Buy scheme is subject to availability and may be withdrawn at any time without notice. Not to be used in conjunction with any other offer. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT.