Forces Help to Buy

Tailored support for first time buyers and those moving due to


Borrow up to 50% of your salary

This is subject to a maximum of £25,000


Interest Free over 10 years or less

Repayments are taken from your pay in equal monthly instalments


Support in owning your own home

The FHTB scheme has been made available to service personnel now and in the future


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 extenuating family or medical circumstances. Regular service personnel will be able to borrow 50% of their salary up to a maximum of £25,000.

The FHTB advance is interest free and recovered over 10 years or less from your pay. FHTB is intended to assist towards the balance of the purchase price (taking into account, for example, deposit, legal, surveyor's, land registration and estate agent's fees) when buying a property for which a mortgage lender (authorised by the FCA) is willing to advance a mortgage.

  • Interest Free
  • 10 year term or less
  • Borrow up to 50% of your salary (max £25,000)
  • Open to those in regular service


  • You must have served for 2 years
  • You must have more than 6 months service remaining when you apply
  • The property you are buying is in the UK
  • You are not a reservist or a member of the Military Provost Guard
  • You have not drawn any terminal benefits