• The NFF meets annually with the Armed Forces' Pay Review Body (AFPRB) to present feedback from Service People and their families. Please help us to speak up on your behalf by answering this short survey. 

  • There are various allowances that Service Personnel may become eligible for in certain circumstances or at different qualifying points in their career, such as a new Assignment. Please see a list of most common allowances here.

  • There are several discounts available to Serving personnel and their family members to help reduce cost and stress when you travel.

  • Armed Forces personnel will no longer have to face cancellation fees for their broadband and media packages when posted overseas or to another part of the UK.

  • From 1 July 2021, the way in which the Armed Forces’ Local Overseas Allowance (LOA) is calculated will be changing. Read more about this here.

  • The Ministry of Defence works closely with three credit unions under the banner of Joining Forces and has facilitated direct salary sacrifice via JPA to encourage saving and to make loan repayment simpler.

  • Service personnel with Wonga loans are being offered a "payday payoff" loan facility from Plane Saver Credit Union.

  • There are lots of offers available to Armed Forces personnel and their families:

  • Spouses/civil partners who accompany their Service partner on an overseas assignment are unable to claim Maternity Allowance. However, there are other options availble. Find out more about this here.

  • If you’re looking for free and impartial advice, the Monday Advice Service is government-run and can help you improve your finances, using tools and calculators to keep track and plan ahead, they also provide support over the phone and in person.

  • Looking for some inspiration for your next trip? The Spring 20 edition of our Homeport magazine includes a 12-page feature on special offers available to the Royal Navy and Royal Marines community. Whether you are after a budget break or a 5* spa weekend retreat, there is something for you.

  • Before choosing any kind of insurance, you may want to take a look at our guide here.

  • Grandparents caring for grandchildren under 12 could qualify for National Insurance credits that can top up their income in retirement.

  • It’s important to make a Will and keep it up-to-date, to ensure that your money and possessions are allocated according to your wishes. Failure to leave a Will can mean that family and friends have to make difficult decisions on your behalf when they are unsure of your wishes.

  • The Government has announced a public consultation seeking views on how to remove the discrimination caused by the transitional rules which meant older Service Personnel (SP) remained in their legacy schemes when other, younger, SP were transferred to the reformed scheme in 2015. Find out more about

  • The Ministry of Defence has produced a guide to expenses and allowances for Serving personnel and the support families could receive. This booklet is accessible here.

  • Spouses and civil partners of Service personnel could apply for a new type of National Insurance credit to protect their State Pension. Find out more about this here.

  • The Naval Families Federation shared the announcement made by the Government last year (2017), that spouses and civil partners of Service personnel will be able to apply for a new type of National Insurance (NI) credit to protect their State Pension, if they have accompanied their partner overseas.

  • In preparation for presenting evidence to the AFPRB 2018, the NFF carried out a short online survey on pay. Read the results in full here.

  • A new protocol was launched in June 2022 to help ensure that motor finance works better for those who are assigned overseas. Further details here.

  • Pay rates: Full details are in the documents below, together with details of Expenses and Allowances, as well as Food and Accommodation charges

  • There are currently three Armed Forces Pension Schemes for members of the Armed Forces. Find out more about the schemes here.

  • Located in New Forest National Park, the Poppy Pod Village is the Tile Barn Outdoor Centre’s legacy to Armed Forces personnel. The Poppy Pod Membership for 2020 is now open for purchase. Serving personnel (Regular and Reservists) and Veterans can join this scheme and use the facility for free, alo

  • Queen Mary Legal Advice Centre provides free legal advice to members of the public across a range of different legal areas.

  • ‘Strengthening Families – By Your Side’, a new offer of support for all Royal Navy and Royal Marines families has launched. This programme aims to provide you with the right support, at the right time.

  • A new compensation scheme has been announced in July 18 for those who are affected by the increase in Scottish tax rates. Visit here for further information.

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