Military Mortgage Specialist

Mortgages for the Armed Forces

Military service brings unique mortgage challenges — overseas postings, MOD housing, deployment schedules, and the Forces Help to Buy scheme. We find lenders who understand military life and maximise your buying power.

Forces Help to BuyOverseas postings OKMilitary pension understoodNo upfront fees
Prefer to call? 0844 884 9748 (Mon-Sat 9am-7pm)
Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

Why armed forces personnel need specialist mortgage advice

Military life creates unique mortgage challenges. The right broker ensures your service works for you, not against you.

Forces Help to Buy scheme

The Forces Help to Buy scheme provides up to 50% of your salary (max £25,000) as an interest-free loan for a deposit. We help you combine FHTB with the right mortgage to maximise your buying power.

Overseas postings understood

Being posted overseas does not prevent you from buying property in the UK. We find lenders comfortable with armed forces personnel who may be stationed abroad and help structure your application around your posting schedule.

MOD housing transition

Moving from MOD accommodation to home ownership is a big step. We understand the timeline pressures and help you plan your mortgage application around your transition from service family accommodation.

Service pension recognised

Armed forces pension schemes (AFPS 15, AFPS 05, AFPS 75) are among the most valuable in the UK. We find lenders who understand military pensions and assess your income fairly despite higher contributions.

Deployment considerations

Deployments can complicate mortgage applications and completions. We manage the process around your deployment schedule and work with lenders who understand the realities of military service.

Resettlement planning

If you are approaching the end of your service, we help plan your mortgage around resettlement. Some lenders will consider your military income even as you transition to civilian employment.

How it works

From first enquiry to mortgage offer, we handle everything — working around your posting and deployment schedule.

01

Tell us about your service and income

We review your full income picture including base pay, X-Factor supplement, specialist pay, longer separation allowance, and Forces Help to Buy eligibility. This takes one phone call or online enquiry.

02

We search 90+ lenders for the right deal

We identify lenders who fully understand military pay and service conditions, and find the most competitive rates for your circumstances. Armed forces personnel often qualify for more than they expect.

03

We present your options clearly

We explain the best 3-5 mortgage options in plain English — rate, monthly payment, total cost, and how Forces Help to Buy fits in. We make a clear recommendation based on your situation.

04

We handle the full application

From submission to mortgage offer, we manage the entire process — including coordinating with the FHTB team if applicable. We work around your posting and deployment schedule to keep things moving.

Armed forces mortgage FAQs

How does Forces Help to Buy work with a mortgage?
Forces Help to Buy (FHTB) provides an interest-free loan of up to 50% of your annual salary (maximum £25,000) that you can use towards a deposit or other costs of buying a home. The loan is repaid over 10 years through salary deductions. Most lenders accept FHTB alongside a standard mortgage, though some treat the repayments as a commitment that reduces your borrowing capacity. We find lenders who handle FHTB most favourably.
Can I get a mortgage if I am posted overseas?
Yes. Many lenders will offer mortgages to armed forces personnel posted overseas, provided you are buying a UK property. Some lenders require that you or your family will occupy the property, while others accept that it may be rented out during your posting. We identify the right lender based on your specific posting situation and property plans.
Do lenders accept military allowances as income?
Some do and some do not. The X-Factor supplement is generally included as it forms part of your basic pay. Specialist pay, longer separation allowance, and other supplements vary by lender. We know which lenders include the widest range of military allowances when calculating your borrowing capacity.
I am leaving the forces soon — can I still get a military mortgage?
Yes. If you are within your resettlement period, most lenders will still consider your military income for the application. If you have confirmed civilian employment lined up, some lenders will use your new salary instead if it is higher. We advise on the best timing for your application based on your resettlement timeline.
Can I use Forces Help to Buy for a second property?
Forces Help to Buy is available for your first property purchase and can also be used if you have previously owned a home but do not currently own one. It cannot be used for buy-to-let properties. If you are eligible, we help you structure your application to make the most of the scheme alongside the best available mortgage deal.
Will my deployment affect my mortgage application?
A deployment should not prevent you from getting a mortgage, but it can affect timing. We work around your deployment schedule, handle paperwork while you are away, and use lenders experienced with military applicants. If you have a deployment coming up, we recommend starting the process early so that critical stages are completed before you deploy.

Related services

First Time Buyer Mortgages →

Buying your first home with Forces Help to Buy — we guide you through the whole process.

Remortgage →

Already have a mortgage? We find competitive remortgage deals that work around your service commitments.

Police Officer Mortgages →

Specialist mortgage advice for police officers with similar public service considerations.

Mortgage Protection →

Life cover, critical illness, and income protection arranged alongside your mortgage.

Ready to find your armed forces mortgage?

Get your free consultation today. We understand military pay and the Forces Help to Buy scheme inside out.

Get a Free Initial QuoteCall 0844 884 9748

Your home may be repossessed if you do not keep up repayments on your mortgage.

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