Forces Help to Buy

  • Ownership: 100%
  • Headline benefits: Interest free advance of pay repayable over 10 years.
  • Headline requirements: Regular service and completed 12 months service from data of enlistment and completion of Phase One Training.

Availability: Anywhere in the UK

Overview of scheme

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 to a maximum of £25,000, interest free. This loan is for buying your first home or moving to another property on assignment or as your family’s needs change.

All regular service personnel are eligible who:

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

However, there may be instances where exceptions to the standard rules may be justifiable, especially where you have extenuating medical and personal circumstances.

You can apply for the loan online through the Joint Personnel Administration system and can seek advice on your application through your chain of command and personnel agency.

Other government-backed housing schemes can be used together with Forces Help to Buy.

Frequently asked questions

To encourage and support home ownership and to enable the option to self-build amongst eligible service people

Regular Service persons

Regular Service, completion of 12 months service from the date of enlistment AND completed Phase One Training.

Approximately 21,400

Process for applying/accessing the scheme

Online application through the Joint Personnel Administration System (JPA)

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

Final applications will be accepted on 31 December 2022

Generally about 4 weeks but it does depend on you providing the right information and responding to queries quickly.

Next steps