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Forces Help to Buy

Helping service personnel own their dream home by borrowing up to 50% of their yearly salary

Family embracing

What is Forces Help to Buy?

Forces Help to Buy is backed by the Government, with the aim of addressing the low rate of home ownership within the British Armed Forces.

The scheme allows service personnel to borrow up to 50% of their annual salary up to a maximum of £25,000, interest free, towards the purchase of a home.

As of 1st January 2023, the Forces Help to Buy scheme is a permanent policy – there is no end date.

How does the scheme work?

Through the Forces Help to Buy scheme, the Government allows you to borrow up to 50% of your yearly salary (up to a maximum of £25,000).

The advance is interest free, and may be used towards a deposit for owning your own home, as well as towards fees for solicitors and estate agents. In certain extenuating circumstances, it can be used to adapt a current property as your family's needs change.

You should apply through the Joint Personnel Administration portal, allowing at least six weeks before your expected purchase completion date. The process generally takes four weeks. For more information, see the gov.uk website.

You own 100%
of your home
Soldier with daughter
Who’s eligible?

Who is eligible?

All regular service personnel who:

  • Have completed the prerequisite length of time
  • Are not a reservist or member of the Military Provost Guard Service
  • Have more than six months left to serve at the time they apply
  • Meet the right medical categories

However, there may be exceptions to these criteria, especially where there are special medical and personal circumstances.

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Top FAQs about
Forces Help to Buy

What is the aim of the Forces Help to Buy scheme?

The scheme aims to encourage and support home ownership amongst eligible service personnel, addressing the low rate of home ownership within the British Armed Forces.

How many people have used the Forces Help to Buy scheme?

Over 27,500.

How do I apply for the scheme?

Online application through the Joint Personnel Administration portal.

When is the best time to apply?

A minimum of 6 weeks before the expected purchase completion date.

How long is the scheme open for?

The scheme has no end date. As of 1st January 2023, the scheme is permanent, ensuring its availability to service personnel now and in the future.

How long will the process take?

Generally around 4 weeks, but this is dependent on the applicant providing the right information and responding to queries quickly.

Where can I get more information?

Further detail can be found on the gov.uk website

I wouldn’t have been able to purchase a new home on my own without the support of Help to Buy, so the scheme has been hugely beneficial for me Zoe Hanks, Renovo, Essex division

Help to Buy works slightly differently depending on the scheme you choose.
Make sure to get the right information.

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All you need when it comes to finding your new home

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Help to Buy Forces is subject to specific terms and conditions and eligibility criteria, which may be subject to change. The scheme can be used by eligible personnel on applicable homes at selected Bellway developments. If you are an eligible buyer, the Government will lend 50% of your annual salary up to a maximum of £25,000 towards the purchase of your new build home. Service personnel are to apply for Forces Help to Buy on JPA, through the self-service application for FHTB. Full instructions for completion are online in the JPA Self Service User Guide: Applying for Pre-Approval for FHTB, available on the gov.uk website. To find out more about your eligibility, refer to JSP 464, volume 1, part 1, chapter 12. Information correct at time of broadcast. Please see gov.uk. †Terms and conditions apply.