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  • Experienced

    We've helped many forces individuals and families find mortgages

  • Knowledgeable

    We understand armed forces mortgages and the Forces Help to Buy scheme

  • Money saving

    We know which schemes to use to help save you money

Forces Help to Buy scheme

If you are a member of the armed forces, you may be interested in the Forces Help to Buy scheme. At Your Mortgage Expert, we understand how the scheme works and can advise how to use the scheme, whether as a deposit or to help with other permitted fees. To find out more, why not get in touch today?

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What is the Forces Help to Buy scheme?

Launched in April 2014, the Forces Help to Buy (FHTB) scheme is now an enduring scheme aimed to help serving forces personnel. The scheme allows regular serving forces personnel to borrow an interest-free deposit of up to half their annual salary.

The scheme is designed to helped UK Forces Personnel to get on the property ladder. Serving military personnel are permitted to borrow up to 50% of their salary (capped at £25,000) to buy their first home, extend their current one or move to another property on assignment or as their needs change. The loan can also be used towards a deposit and other costs such as solicitor and estate agents’ fees and can be repaid over a period of up to 10 years.

Applying can be quite complicated, so we would advise you speak to a mortgage broker who can help explain the whole process.

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Forces Help to Buy TipsWho can apply?

The Forces Help to Buy Scheme is open to all regular personnel who:

  • Have completed the pre-requisite length of service
    are not a reservist or a member of the Military Provost Guard Service
  • Have more than six months left to serve at the time they apply
  • Meet the right medical categories

For further information, please get in touch. You can also read our Forces Help to Buy 6 Top Tips article.

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The Financial Conduct Authority does not regulate the Forces Help To Buy Scheme.



There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 2% but a typical fee is 0.6% of the amount borrowed.

Why use Your Mortgage Expert?

Based in Salisbury, impartial mortgage broker Your Mortgage Expert is surrounded by towns and villages which are populated by many members of the armed forces. This means we have helped lots of forces families in the past.

We understand some of the challenges you can face when applying for mortgages.

For example, some people within the forces find that their credit score is low because they’ve been stationed abroad for long periods of time. Or because they’ve been stationed at several UK bases meaning they have multiple addresses over the last few years. In addition, forces payslips can sometimes be complex and difficult to understand.

We have a great deal of experience with helping people to overcome these sorts of challenges.

To find out more about how we can help forces families, please visit our dedicated page for armed forces mortgages.

Our team is based in Salisbury city centre. This means we can meet face to face if you live nearby. Alternatively, we can carry out the whole process over the phone of via video call.

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Our handy mortgage calculator

Our mortgage calculator can help you get a better idea of how much you can afford to borrow, and how much your mortgage will cost you in monthly repayments.

  • “This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”

    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

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Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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