Forces Help to Buy

What is Forces Help to Buy?

Forces Help to Buy (FHTB) is a Ministry of Defence (MOD) scheme designed to help eligible members of the Regular Armed Forces purchase a home.

The scheme allows eligible personnel to borrow up to 50% of their annual salary, to a maximum of £25,000, interest-free.*

This funding can be used towards a property deposit and other home-buying expenses, helping to reduce some of the upfront costs associated with purchasing a home.

Originally introduced in 2014, Forces Help to Buy became a permanent MOD benefit in January 2023, continuing to support serving personnel on their journey towards homeownership.

Get in touch for information on eligible homes

*Subject to eligibility criteria, Ministry of Defence approval and the terms and conditions of the Forces Help to Buy scheme. The amount available depends on individual circumstances and qualifying salary. The loan is repayable, and the maximum amount is not guaranteed. Applicants should refer to the latest official MOD guidance for full details.

Key Benefits of Forces Help to Buy

• Borrow up to £25,000 – Eligible personnel can access an interest-free loan of up to 50% of their annual salary, capped at £25,000.
• Interest-free borrowing – No interest is charged on the loan, helping you manage the cost of your move.
• Manageable repayments – The loan is typically repaid directly through your salary over a period of up to 10 years.
• Help with upfront costs – Funding can be used towards your deposit and other eligible home-buying expenses, including legal and estate agent fees.
• Available to first-time buyers and existing homeowners – Whether you're buying your first property or moving to your next home, you may be eligible.
• Buy a new-build home – Forces Help to Buy can be used towards purchasing a new-build property, including a Hill home, subject to the scheme's eligibility requirements.