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We’ve teamed up with one of the UK’s leading new homes mortgage specialists, New Homes Mortgage Helpline, to help find the right mortgage product for you.

Please note, by ticking the checkbox below you consent to Bellway sharing your data with New Homes Mortgage Helpline (a trading name of The New Homes Group Limited) who will contact you to offer unbiased, reliable and professional advice on mortgages available from a wide variety of lenders. Bellway will receive a commission of £350 when you complete on a mortgage arranged by the New Homes Mortgage Helpline through this portal. This commission does not affect mortgage terms and is not charged to homebuyers.

Forces Help to Buy

Where service personnel can borrow up to 50% of their yearly salary to go towards buying their home.

What is Forces Help to Buy?

With Forces Help to Buy, service personnel can borrow up to 50% of their yearly salary (up to a maximum of £25,000) interest free to use to buy their home.

It is a government-backed scheme aiming to address the low home-ownership rate within the British Armed Forces.

There is no end-date to this scheme – as of 1st January 2023, it’s here to stay.

How does the scheme work?

Through the Forces Help to Buy scheme, service personnel can borrow up to 50% of their yearly salary (up to £25,000), totally interest free. This money can go towards the deposit or towards solicitor/estate agent fees. In certain circumstances, it can be used to adapt a current property as your family’s needs change. Once the application form has been sent off, the process usually takes around four weeks.

To apply, head over to the Joint Personnel Administration portal at least six weeks before your expected completion date. For more information, visit the gov.uk website.

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100% yours

Who is eligible?

All regular service personnel who:

  • Have completed the prerequisite length of time
  • Are not a reservist or member of the Military Provost Guard Service
  • Have more than six months left to service at the time they apply
  • Meet the right medical categories

Life can throw all sorts at you – so there are exceptions to the rules, especially where there are extenuating medical and personal circumstances.

FAQs about Forces Help to Buy

What is the aim of the Forces Help to Buy scheme?

There’s a low rate of home ownership within the British Armed Forces. This scheme helps eligible service personnel own their own home.

How many people have used the Forces Help to Buy scheme?

Over 27,500.

How do I apply for the scheme?

You apply through the Joint Personnel Administration portal.

When is the best time to apply?

A minimum of 6 weeks before the expected purchase completion date.

How long is the scheme open for?

There is no end date to the scheme, and as of 1st January 2023, the scheme is here to stay. Built for service personnel now and in the future.

How long will the process take?

Generally, it takes 4 weeks. This is assuming that all application details are right and that the person applying is quick to answer any following questions.

Where can I get more information?

You can find out more on the gov.uk website.

Help to Buy works slightly differently depending on the scheme you choose. Make sure you get the right information.

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*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Help to Buy Forces is subject to specific terms and conditions and eligibility criteria, which may be subject to change. The scheme can be used by eligible personnel on applicable homes at selected Bellway developments. If you are an eligible buyer, the Government will lend 50% of your annual salary up to a maximum of £25,000 towards the purchase of your new build home. Service personnel are to apply for Forces Help to Buy on JPA, through the self-service application for FHTB. Full instructions for completion are online in the JPA Self Service User Guide: Applying for Pre-Approval for FHTB, available on the gov.uk website. To find out more about your eligibility, refer to JSP 464, volume 1, part 1, chapter 12. Information correct at time of broadcast. Please see gov.uk. †Terms and conditions apply.