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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 it 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
Please refer to our dedicated guides for information regarding England and Wales.
Help to Buy FAQs
How many people have used this 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