More than 32,800 Forces Help to Buy payments, worth over £516 million, have helped service personnel buy a home since 2014, yet lenders treat the scheme, and military pay, very differently from one another. As a Hampshire broker surrounded by the bases we serve, we speak forces fluently and know where each application belongs.
HTG Mortgages
Armed Forces & Military Mortgages
Last Updated: August 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
Serving your country shouldn’t make buying a home harder. From Forces Help to Buy to BFPO addresses, postings and military allowances, we understand how forces life affects a mortgage application, and which lenders treat serving personnel and veterans fairly.
If you work shifts with regular overtime, the way lenders count that overtime is the thing that decides your number, and I have covered it properly on my police mortgages page.
Forces Help to Buy: borrow up to 50% of your salary (max £25,000) interest-free towards your deposit
Speak directly to Harry, not a call centre, no passing you around
Based in Hampshire, on the doorstep of Portsmouth, Winchester, Aldershot and Salisbury Plain
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The military mortgage process
1
Step 1
First Chat
Contact us to talk through your posting, pay and plans: buying near base, a family home elsewhere, or your first home using Forces Help to Buy.
2
Step 2
Research
We’ll match your circumstances to forces-friendly lenders, including those that accept BFPO addresses, military allowances and Forces Help to Buy deposits.
3
Step 3
Application
Once you’ve chosen a mortgage, we’ll handle the application process, liaising with the lender on your behalf.
4
Step 4
Completion
After approval, we’ll ensure a smooth transition to your new mortgage, keeping you informed at every step.
About
Our approach.
Why choose HTG Mortgages?
Military life creates mortgage questions most brokers rarely see: postings at short notice, overseas tours, service accommodation, and pay made up of allowances as well as salary. With the right lender, none of them needs to stop you buying. The main things we help with include:
Forces Help to Buy
An interest-free MOD loan of up to 50% of your salary (capped at £25,000), repaid from pay over ten years. It’s a permanent scheme usable for your deposit and buying costs.
BFPO & Overseas Postings
Posted abroad? Lenders signed up to the Armed Forces Covenant shouldn’t automatically reject a BFPO address, and we know which ones genuinely welcome them.
Posted Away? Let It Out
Some lenders waive consent-to-let fees or restrictions for serving personnel, so you can rent out your home when the next assignment order arrives.
Veterans & Resettlement
Leaving the forces? Military pensions count as strong, reliable income with lenders, and we can plan your mortgage around resettlement and your next career.
How HTG Mortgages Can Help
At HTG Mortgages, we help serving personnel and veterans from the Royal Navy, Army and RAF buy, move and keep hold of their homes. Here’s how we can assist you:
- Forces Help to Buy, Handled: We know which lenders accept FHTB as your deposit, how the repayments affect affordability, and how to line the MOD loan up with your mortgage application and completion date.
- Military Income Understood: Some lenders count allowances such as LOA and recruitment and retention pay in full, others ignore them entirely, so we place you where more of your pay counts.
- Credit File Protection: Overseas postings and BFPO addresses can break a credit history. We’ll help you check all three credit agencies and put it right before anything is submitted.
- Whole-of-Market Access: We compare 120+ lenders, including Armed Forces Covenant signatories with dedicated policies for serving personnel.
Who we help
If you serve, or have served, we can almost certainly help. We regularly work with:
- Serving Royal Navy, Army and RAF personnel buying a first home or next home.
- Forces couples buying together, including with two Forces Help to Buy loans.
- Personnel posted overseas or living in service accommodation.
- Homeowners who need consent to let when a posting comes through.
- Veterans and service leavers rebuilding civilian income and credit history.
With around 183,000 people serving in the UK armed forces and home ownership historically lower among service personnel than civilians, the right advice makes a real difference, at home or on deployment.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
