help to buy Tag

What is the scheme?

Regular Royal Navy and Royal Marines 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 launched in April 2014, aims to address the low rate of home ownership in the Armed Forces.


Who can use the scheme?

All regular personnel who:

  • have completed 12 months service from the date of enlistment; AND
  • have completed Phase One Training.; AND
  • meet the right medical categories.

Please refer to JSP 464 (part 1 directive) for more details.


How much can be borrowed under the scheme?

This scheme allows Service personnel to borrow up to 50% of their annual salary, to a maximum of £25,000. This can be used towards a deposit and other costs such as solicitor’s and estate agent’s fees.


How to get it?

Servicemen and Servicewomen can apply for the loan online through the Joint Personnel Administration system and can seek advice on their application through their Chain of Command and personnel agency.

If you are considering buying a home, but have not done so before, you may wish to read some general information on how to buy one and understand better how the process works.


Find out about buying a home

Below are links to useful information:

First time buyer guide

Citizens Advice Bureau

The Money Advice Service


Help to Buy

Home and Communities Agency

Joint service housing advice office (JSHAO)

HM Revenue & Customs guidance


Closing date
Defence Secretary Ben Wallace announced on 22nd October 2019 that the Forces Help to Buy initiative will remain open to new applications until the end of 2022.


Posted on: 3rd May, 2018
Updated on: 6th April, 2020