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Excellent swift service with truly professional agents. Advice given which made sense and worked!! Second time used and both experiences 5 star ...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'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
Progressive BS 2 Year Discount No Fee Purchase BPG1.05%Discount2 years4.35%3.83%2 years £0
Leek United BS RETENTION 2 Year Discount No Fee LEE1.1%Discount2 years5.19%4.7%2 years £0
Skipton BS 2 Year Fixed £995 Fee SBS1.15%FixedAug-20224.64%3.8%31-Aug-2022 £995
Coventry BS 2 Year Fixed £999 Fee BCV1.18%FixedJun-20224.49%4.4%30-Jun-2022 £999
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.18%FixedJul-20223.59%3.9%31-Jul-2022 £999
Leeds BS 2 Year Fixed £999 Fee Legal Assisted BLH1.19%FixedJul-20225.29%4.4%31-Jul-2022 £999
Leek United BS 2 Year Fixed £1495 Fee £400 Cashback LEE1.19%FixedSep-20225.19%4.8%30-Sep-2022 £1495
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.21%FixedSep-20223.59%3.8%30-Sep-2022 £995
Coventry BS 2 Year Fixed £999 Fee BCV1.23%FixedJun-20224.49%4.4%30-Jun-2022 £999
Leeds BS 2 Year Fixed £1999 Fee Legal Assisted BLH1.24%FixedJul-20225.29%4.5%30-Jul-2022 £1999
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 BPG1.05%
then 4.35
(variable)
DiscountRead More
Leek United BS RETENTION 2 Year Discount No Fee LEE1.1%
then 5.19
(variable)
DiscountRead More
Progressive BS 2 Year Variable No Fee Purchase Foreign Currency Loan BPG1.34%
then 4.35
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
HSBC Direct 2 Year Fixed £999 Fee Standard HSB1.14%
then 3.54
(variable)
FixedRead More
Skipton BS 2 Year Fixed £995 Fee SBS1.15%
then 4.64
(variable)
FixedRead More
Coventry BS 2 Year Fixed £999 Fee BCV1.18%
then 4.49
(variable)
FixedRead More
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