Forces Help to Buy

The FHTB scheme is available to regular service personnel who:

• Have at least 6 months of service remaining
• Have completed the minimum length of service
• Meet the required medical categories

Please note, your marital or civil partnership status does not affect eligibility.

You can apply for an interest-free loan of up to 50% of your annual salary, capped at £25,000. This can be used toward your deposit, as well as other home-buying costs, such as solicitor and surveyor fees.

Yes, FHTB can be utilised with our Armed Forces Discount which means you can buy with just a 5% deposit and get a discount of up to £25,000.

You’ll need a mortgage lender willing to accept FHTB as part of your deposit. Most lenders do offer products in conjunction with FHTB, but it's best to make sure before you apply. Please note, if you’re using a mortgage broker you should let them know upfront that you plan to use the scheme.

Yes. The FHTB Scheme is separate to other Help to Buy schemes, and can be used in conjunction with Help to Buy Wales.

The property must be:

• Residential (not business or buy-to-let)
• Mortgageable
• Intended for occupation by the service person or their immediate family

For more information, visit the GOV.UK website