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Sharon Henry - Purchase
I most say God has lead me to the best mortgage lenders. I spoke to James the first time I call Cap fortune, he ...Read More

Mortgages For Armed Forces

Being in the armed forces can present a number of challenges when applying for a mortgage due to the nature of the job. The good news is that many lenders have mortgages that are designed specifically to address these challenges, but it can be hard work to find out what the best deals are from all of the lenders in the market.

This is where we can help. We are specialists in providing mortgage advice to military personnel and will help you find the best mortgage for your circumstances, whatever those are.

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What Our Customers Say

Customer - Purchase
Excellent customer service experience ...Read More
1 months, 27 days ago

Kevin Gilligan - Purchase
Professional, informative, timely and always clear and concise with what was required. Peter Bartlett and Anna Kirk explained everything from start to finish and during, ensuring I had all the information I required to ensure a smooth process. I really ...Read More
2 months, 16 days ago

Customer - Buy to Let
Peter was professional and ready to support in every capacity. Great company! ...Read More
2 months, 18 days ago

Samir Abdulla - Remortgage
The service I received from Capital is indeed 7 stars. I know their charge is more than other brokers but they deserve every penny for their amazing service. I have dealt with James Drury and Stephen Marsh, they both were very ...Read More
4 months, 18 days ago

Find out more

What's Different for Military Personnel?

One of the most obvious challenges faced by those in the armed forces when it comes to getting a mortgage is overseas deployment. There are mortgage lenders out there that are happy to let you rent out your home to paying tenants when you are deployed overseas, without charging you a higher mortgage rate or requiring you to switch onto a buy-to-let mortgage.

This is known as consent to let. Lenders have different approaches to how this works, but there are options to vary the length of time you're letting out your home to be in line with when you are overseas. It's also possible to apply to mortgage or remortgage when you're deployed overseas as there are lenders which are prepared to accept your British Forces Post Office address rather than needing you to demonstrate permanent residence in the UK to be eligible.

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First-Time Buyers in the Military

All first-time buyers are eligible for the government's Help to Buy scheme which runs in England until 2020. But there is also a specific Armed Forces Help to Buy scheme designed to support those serving in the British military. Under this scheme, you can borrow up to 50 per cent of your annual salary interest-free up to a maximum of £25,000. This can then be put towards buying your first home. The scheme is currently open until the end of 2018.

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Further details on the scheme can be found on the government website here.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
LenderInitial RateTypeForThenAPR*ERC*Fee
Barclays Bank 2 Year Tracker £999 Fee Purchase No ERC BWO0.85%Tracker2 years3.59%3.3% £999
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO0.86%FixedNov-20233.59%3.2%30-Nov-2023 £999
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS0.88%FixedNov-20234.34%3.9%30-Nov-2023 £1499
Platform Intermediary 2 Year Fixed £999 Fee £250 Cashback CTS0.89%FixedNov-20234.34%3.9%30-Nov-2023 £999
Progressive BS 2 Year Fixed £995 Fee Purchase BPG0.89%Fixed2 years4.35%3.96%2 years £995
Nationwide BS 3 Year Fixed £999 Fee Purchase BNW0.89%Fixed3 years3.59%2.9%3 years £999
Nationwide BS RETENTION 3 Year Fixed £999 Fee Existing Borrowers BNW0.89%Fixed3 years3.59%2.9%3 years £999
Nationwide BS RETENTION 2 Year Fixed £999 Fee Existing Borrowers BNW0.89%Fixed2 years3.59%3.1%2 years £999
Nationwide BS 2 Year Fixed £999 Fee Purchase BNW0.89%Fixed2 years3.59%3.1%2 years £999
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX0.9%FixedDec-20233.59%3.2%31-Dec-2023 £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

Best Discounted Rates

LenderRateType
Progressive BS 2 Year Discount No Fee Purchase BPG0.99%
then 4.35
(variable)
DiscountRead More
Furness BS 2 Year Discount £1499 Fee Cashback BFU1.29%
then 5.14
(variable)
DiscountRead More
Furness BS 2 Year Discount £999 Fee Cashback BFU1.37%
then 5.14
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
HSBC RETENTION Direct 2 Year Fixed £999 Fee Standard HSB0.84%
then 3.54
(variable)
FixedRead More
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO0.86%
then 3.59
(variable)
FixedRead More
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS0.88%
then 4.34
(variable)
FixedRead More
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