The Forces Help to Buy Scheme has been made permanent by the Government as of 19 December 2022, as part of the enduring committment to supporting our Armed Forces.

The scheme enables Serving Personnel to borrow up to 50% of their gross annual salary (up to a maximum of £25,000) to encourage and support home ownership and enable the option to Self-Build. This advance is interest free, repayable over a maximum of ten years and is open to most regular personnel with more than 12 months’ service.

Minister for Defence People, Veterans and Service Families, Dr Andrew Murrison, said:

“I am delighted to announce that the Forces Help to Buy scheme has been made permanent. This recognises the unique challenges that Service Personnel, and their families face and gives the opportunity to purchase a property to provide stability during their service.  The FHTB pilot initially began in 2014 and will become an enduring Ministry of Defence policy on 1 January 2023. It is expected that approximately 5,000 Serving personnel will use the scheme per year to help them with home ownership.  As well as supporting Service Personnel and their families financially, the scheme strengthens the accommodation offer, improves geographic stability for families and helps to prepare Service Personnel for transition to civilian life.” (source

More details on the scheme can be found here: