Civilian Housing

NFF / Accommodation  / Civilian Housing  / Civilian Housing

Civilian Housing

Joint Service Housing Advice Office (JSHAO)

The JSHAO is the MOD’s tri-service focal point to provide service personnel and their dependants with civilian housing information for those wishing to move to civilian accommodation at any time in their career, and for those during resettlement to assist with the transition to civilian life. To find out more, please click here.

Forces Help To Buy (FHTB) Scheme

Regular armed forces personnel can benefit from a £200 million scheme to help them get on the property ladder. The Forces Help to Buy scheme enables servicemen and servicewomen to borrow up to 50% of their salary, interest free, to buy their first home or move to another property on assignment or as their families needs change.

The pilot scheme, which will run for 3 years, aims to address the low rate of home ownership in the armed forces. However, this isn’t about forcing people out of service accommodation. That option will still be there for armed forces personnel who want to continue to use it.

For more details and to see if you are eligible, please click here.

Find out more about buying a home

Below are links to useful information:

MOD Tenancy Deposit Loan Scheme

This scheme allows defence personnel to apply for a loan in order to help with the cost of a deposit for a rental property. The loan is an advance of salary and must be paid back within 12 months. Repayments are taken from the personnel’s salary on a monthly basis. It is imperative that the personnel provide evidence to their Chain of Command that the landlord has paid the deposit into the government-backed tenancy deposit protection scheme. The evidence must be provided, normally as a certificate within 45 days. More in depth information and statistics can be found on the government website here.


If you are single and about to be discharged (within 12 months) SPACES may be able to help you find somewhere to live, they are a housing placement service for single personnel.  SPACES is tasked by the MOD to help assist single Service Leavers to find suitable housing, they work with all Service Personnel regardless of rank and length of service.  In addition, they make all referrals to the supported accommodation for single personnel available at The Beacon in Catterick and Mike Jackson House in Aldershot. Find out more here.