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Why should I use a mortgage broker for my Armed Forces Mortgage?

As a member of the armed forces, you may have had difficulty applying for a mortgage in the past. Perhaps your credit score is low because you have been stationed abroad for long periods of time or you’ve been stationed at several UK bases meaning you have multiple addresses over the last few years.

We understand these frustrations and have helped many members of the armed forces arrange their mortgages even when they have hit a brick wall in the past.

We know which lenders that will accept low credit scores and allow you to rent out your property, so by tapping into our expertise and using our service, we can take the stress and hassle out of looking for and applying for your mortgage.

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What can you help me with?

Because the needs of forces personnel can be unique, your armed forces mortgage needs can be too. We can discuss your mortgage needs if any of the following are applicable:

  • You’ve moved frequently or lived overseas
  • Your property might be empty for extended periods
  • You may need to rent out your property but without having to change your mortgage to a buy-to-let mortgage and pay higher rates. This is also known as “consent-to-let” or “permission-to-let”
  • Your payslips are complex and not easy to understand
  • You’re stationed abroad but want to purchase a property back home in the UK
  • You want to purchase a property using a Forces Help-to-Buy loan

If you would like to talk any of this through, please get in touch.

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Do you offer a discount for forces personnel?

In recognition of our support for forces personnel and the amazing job they do for us, we offer a discount for all members of the armed forces. If you use our services to take out a mortgage or remortgage, we will offer you a 25% discount off our standard fee. Our fee is payable upon completion of your mortgage and you won’t pay us a penny if your mortgage does not go ahead or you choose not to use our services.

Why not contact us today for a no obligation conversation?

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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.

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  • “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 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 Customer from Southampton

  • “I have had no problem recommending him to others as I have found his work to be first class. I think at this stage there are about four people who have taken up mortgages through him following my recommendation. In fact, I am currently working with Adam to remortgage all four properties and have no doubt I will use him again in the future.”

    Bernie, Buy to Let Customer from London

Monday to Friday: 9am – 5.30pm, Saturday and Sunday: Closed

If you contact us out of office hours, we will try to get back to you as soon as we can. If you want to see us outside of office hours then we will do our best to accommodate you.

Your Mortgage Expert Ltd. is an appointed representative of TenetLime Ltd, which is authorised and
regulated by the Financial Conduct Authority. TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266

Your Mortgage Expert Ltd is registered in England and Wales under reference 08924507.

Registered office address: 18 New Canal, Salisbury, SP1 2AQ. The Guidance provided within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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