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Buying a home is a big step for anyone, but for members of the UK Armed Forces, the process can feel more complicated. Frequent relocations, overseas postings and unique income structures often make mortgage applications challenging. The good news? There are lenders, Government schemes and practical tips that can make homeownership achievable.
Why can it be a challenge for Armed Forces personnel to get a mortgage?
Military life brings unique challenges:
- Frequent moves make it hard to maintain a stable address history
- Overseas postings can disrupt credit records
- Complex pay structures (allowances, bonuses) may confuse lenders
- Saving for a deposit can be harder due to relocations
Key things to consider before applying
- Address history
Lenders usually want three years of address history. If you’ve been overseas, use your BFPO address and provide a letter from your Commanding Officer if needed - Income documentation
Make sure your payslips clearly show basic salary, allowances and bonuses. Some lenders ignore allowances unless explained - Timing your application
Apply before deployment if possible, communication delays can slow things down - Consent to Let
If you’re posted elsewhere after buying, some lenders may allow you to rent out your property without switching to a buy-to-let mortgage - Credit score
Frequent moves can create gaps in your credit history. Check and improve your score early.
Help and schemes available
- First Homes Scheme: Discounted homes for first-time buyers
- Shared Ownership: Buy a share of a property and pay rent on the rest
Forces Help to Buy (FHTB)
The Forces Help to Buy Scheme (FHTB) is designed for first-time buyers or those needing to move to another property, either because they are assigned elsewhere or as a result of certain qualifying family or medical circumstances.
- Interest-free loan up to 50% of your salary (max £25,000)
- Can be used for a deposit or buying costs
- Repayable through salary deductions
- Available to regular personnel with at least six months left to serve
Practical tips
Buying a home while serving can feel overwhelming, but these practical tips could help you feel prepared and help make the process smoother:
- Start planning early
- Use a broker who understands military pay
- Keep your documents updated
- Check eligibility for Forces Help to Buy
For more information on the mortgage advice service provided by Grange Mortgage and Protection Services Ltd click here.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.