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Forces Help to Buy Scheme

Want to get your foot on the property ladder? You could borrow up to £25,000 interest-free with the Forces Help to Buy scheme

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Eligibility check:

Have you served 12 months and completed Phase One Training?

Have you drawn Terminal Benefits?

Terminal benefits are defined as any retired pay or pensions, gratuities, resettlement grants, special capital payments, compensation lump sum or invaliding pensions/gratuities.

Do you have more than 6 months remaining before you leave the Services?

Are you under warning for discharge?

Forces Help to Buy Scheme

Want to get your foot on the property ladder? You could borrow up to £25,000 interest-free with the Forces Help to Buy scheme

Calculate this benefit worth

See how much you save by answering a few more questions.

What’s it for?

The Forces Help to Buy (FHTB) scheme is an interest-free advance of salary available to Regular Service personnel. The scheme is aimed to support first-time buyers and those who need to move home because they are assigned elsewhere. In extenuating circumstances you may also use FHTB to extend your property as the needs of your family change

What do I get?

Eligible personnel can borrow up to 50% of their annual salary (including specialist pay), capped at £25,000. The loan will normally be repaid over a period of up to 10 years. If you leave the Services before you have fully repaid the loan then any outstanding balance will be recovered from your terminal benefits.

Forces Help to Buy Scheme Salary £24,000Forces Help to Buy Scheme Salary £24,000
Forces Help to Buy Scheme Salary £45,000Forces Help to Buy Scheme Salary £45,000

How do I claim this?

  • 1

    At least 6 weeks before the expected purchase completion date, you should make an application on JPAthrough the Self Service Application for FHTB. Full instructions can be found in the Applying for Pre-Approval for Forces Help to Buy user guide, which can be found at JPA user guides  [this has to be accessed through DefNet]. In exceptional circumstances, if you don’t have  permanent access to JPA, you should complete JPA Form E035, available via DefNet at  JPA forms and forward it to Defence Business Services, Military Personnel, FHTB Section, Centurion Building, Grange Road, Gosport, Hants, PO13 9XA

  • 2

    Once your online application has been approved, it will be workflowed from the FHTB team to your Unit HR and Commanding Officer (or their authorised representative). Once approved, the application will then be workflowed back to the FHTB team for action/payment.

  • 4

    DBS will send the payment to your legal representative, except in the case of self-build properties and property extensions, when you will receive the payment direct

  • 5

    For more information you should follow the links below or you can contact the Joint Personnel Administration Cell who will also be able to tell you how much you still have left to pay. They can be contacted at:

    Defence Business Services
    Military Personnel
    FHTB Section
    Centurion Building,
    Grange Road Gosport,
    Hants PO13 9XA

    Telephone internal: 94560 3600, option 4
    Telephone external: 0141 224 3600

    • What’s it for?

    The Forces Help to Buy (FHTB) scheme is an interest-free advance of salary available to Regular Service personnel. The scheme is aimed to support first-time buyers and those who need to move home because they are assigned elsewhere. In extenuating circumstances you may also use FHTB to extend your property as the needs of your family change

    What do I get?

    Eligible personnel can borrow up to 50% of their annual salary (including specialist pay), capped at £25,000. The loan will normally be repaid over a period of up to 10 years. If you leave the Services before you have fully repaid the loan then any outstanding balance will be recovered from your terminal benefits.

    Forces Help to Buy Scheme Salary £24,000Forces Help to Buy Scheme Salary £24,000
    Forces Help to Buy Scheme Salary £45,000Forces Help to Buy Scheme Salary £45,000

    How do I claim this?

  • 1

    At least 6 weeks before the expected purchase completion date, you should make an application on JPAthrough the Self Service Application for FHTB. Full instructions can be found in the Applying for Pre-Approval for Forces Help to Buy user guide, which can be found at JPA user guides  [this has to be accessed through DefNet]. In exceptional circumstances, if you don’t have  permanent access to JPA, you should complete JPA Form E035, available via DefNet at  JPA forms and forward it to Defence Business Services, Military Personnel, FHTB Section, Centurion Building, Grange Road, Gosport, Hants, PO13 9XA

  • 2

    Once your online application has been approved, it will be workflowed from the FHTB team to your Unit HR and Commanding Officer (or their authorised representative). Once approved, the application will then be workflowed back to the FHTB team for action/payment.

  • 4

    DBS will send the payment to your legal representative, except in the case of self-build properties and property extensions, when you will receive the payment direct

  • 5

    For more information you should follow the links below or you can contact the Joint Personnel Administration Cell who will also be able to tell you how much you still have left to pay. They can be contacted at:

    Defence Business Services
    Military Personnel
    FHTB Section
    Centurion Building,
    Grange Road Gosport,
    Hants PO13 9XA

    Telephone internal: 94560 3600, option 4
    Telephone external: 0141 224 3600

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    Need more information?

  • Forces Help to Buy

    Find out more about the scheme

  • JSP 464 Help to buy

    read chapter 12 of JSP 464 for more information on help to buy

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