Forces Help To Buy

January 2023 – LATEST NEWS
The FHTB scheme was originally designed to last 3 years, from April 2014, and was extended a number of times.  However on January 1, 2023, the MoD made the cheap loan scheme for serving military personnel permanent.

Forces Help To Buy [or FHTB] –  the MoD interest free home loan scheme has now been running since April 2014 to help serving UK armed forces personnel to purchase their first home, or move house.

So if you’re serving in the UK Armed Forces, and you would like to move out of service accommodation to get your foot on the property ladder, the Forces Help to Buy Scheme could make all the difference.

How much can I borrow under the scheme?

FHTB Is a huge improvement on both the old Long Service Advance of Pay military home loan scheme and on AFHOS. This MOD backed loan allows you to borrow up to half of your salary –  although borrowing is subject to a maximum of £25,000.

How much cash has been made available by the FHTB loan?

As at July 27, 2023, the UK government confirmed that over £452 million had been made available under the scheme to almost 30,000 serving forces personnel to fund these military home loans.

Buying a new home using a Forces Help To Buy Scheme? We can help with the conveyancing

Here at solicitors Bonallack and Bishop, our property team has more than 20 years experience in assisting hundreds of serving Armed Forces personnel nationwide in buying their own homes – and we offer 10% discount on all of our legal services for all current serving and retired members of HM Armed Forces.

We are also members of Forces Law – the only national network of specialist military law solicitors. So for specialist advice from a law firm which really understands the military and this new military help to buy scheme;

• Call us directly today locally on [01722] 422300 or on FREEPHONE 0800 1404544 for a FREE quote OR

• Visit our specialist military law website  at for more about the other specialist legal services we offer to our military clients OR

• E-mail our team using the contact form below