Easily Buy a Home with a Forces Help To Buy Deposit

If you're a member of the armed forces, you can borrow half of your annual salary or up to £25,000 to use as a deposit to buy a home, interest free

10 year interest free deposit

The money can be used for a house deposit, as well as any associated moving costs

Purchase any property of your choice

The Armed Forces Help to Buy

As an armed forces personnel member in the UK, owning a home that meets your family's needs, perhaps in a welcoming community or near a good school, is a dream you may feel is out of reach.

The endless cycle of renting or the restrictions of military accommodation can be frustrating and limiting.

The cost of living in the UK is constantly rising, which can put the idea of saving up for a 5% property deposit seemingly beyond reach.

Maybe you're still navigating the early stages of your military career with a modest income, or the challenges of transitioning into military life have hindered your saving efforts.

With the Forces Help to Buy Scheme, we're here to ease these financial burdens.

More Than Money is a UK-based mortgage adviser with a special focus on assisting armed forces personnel like you.

Our deep understanding of the Forces Help to Buy Scheme allows us to ask the right questions and offer mortgage solutions that fit your unique budget and situation.

By doing this, we aim to save you time, money, and stress, and provide the certainty and peace of mind that comes from working with someone who genuinely understands your circumstances.

Are you a UK armed forces member seeking a path to homeownership?

Start your journey with us by clicking below to begin your assessment and discover if you qualify for the Forces Help to Buy Scheme. 

Why Choose Us?

We'll maximise the chance of your mortgage being approved

As an expert in the field, Andy understands the unique challenges faced by armed forces personnel when it comes to securing a mortgage.

That’s why More Than Money is dedicated to helping military personnel buy their own home. 

We understand the ins and outs of the Forces Help To Buy scheme, which offers interest-free loans to help service members get on the property ladder. With our expertise, we can ensure that you receive all the benefits of this scheme and secure the best mortgage deal possible.

So, if you’re a member of the armed forces and in need of a mortgage, turn to More Than Money. With our specialist knowledge and exceptional customer service, we’ll ensure you get the best possible mortgage deal and support you on your home buying journey.

We have over 43 years of combined experience

Andy is a mortgage advisor with over 30 years of experience alone. He is a seasoned professional with a wealth of knowledge and expertise in the complex world of mortgages.

Andy's a trusted adviser, able to guide his clients through the often-complicated process of securing financing for their dream home. 

With his years of experience, he has encountered nearly every type of situation imaginable, and is able to offer advice and solutions that are tailored to the needs of each individual client.

Andy is a true professional who has earned the trust and respect of those they work with. He is passionate about his work, committed to helping clients achieve their goals, and dedicated to providing the highest level of service possible. 

We'll provide you with a stress-free process

Because we specialise in Forces Help to buy mortgages, we can very quickly work out which lenders are most likely to offer you a mortgage – even now when rates are going up and the banks are changing their lending criteria all the time.

This means we won’t waste your time or risk damaging your credit rating by applying to lenders who are unlikely to approve you.

We know exactly which bits of paperwork each lender will want to see, so you won’t have to waste time figuring all that out yourself.

And we will process your mortgage application right up until you have your new house keys so we can handle everything for you, making the process easy and stress free.

We are not a call centre

More Than Money was founded by a father-and-sons team who were fed up with hearing how people were being given bad financial advice and ending up with the wrong kind of mortgage.

We’ve remained family-run to this day, with no call centres. That means that you’ll always speak directly to a named UK-based advisor who can give you the accurate and personalised mortgage advice that you need to ensure you get the right mortgage for your unique situation.

You will also be provided with your own dedicated case manager who will process your mortgage application right through to completion of your mortgage.

Client Testimonials

How You Can Make Sure You Get the Right Mortgage

1. Take the first step 

Complete our simple online eligibility form and Andy will call you back

2. Get the best mortgage

We will find you the best Forces Help To Buy mortgage that you are eligible for in the UK

3. We'll be there every step of the way

We’ll take care of the whole process and keep you fully updated along the way

4. You'll get the keys to your new front door!

For your peace of mind, your dedicated case manager will look after you right up until moving in day

How We Helped Tom & Emma

Client: Tom and Emma
Aldershot, Hampshire
Type of Mortgage:
 Forces Help to Buy (first time buyers)

Tom and Emma (both military personnel) came to More Than Money following a referral from a previous military customer that we helped. They were both first time buyers and were living in rented military accommodation.

They had been trying to save a deposit  for some time, however, the “cost of living” pressure meant that it was going to take a considerable amount of time to be in a position to be able to buy their first home together.

With the assistance of Forces Help To Buy they were able to bolster their deposit by an extra £33,000 which allowed them to buy a property immediately. Furthermore, they were able to buy a three bedroom house rather than a two bed which was ideal as they have two children.

How We Helped Devi & Anita

Client: Devi & Anita
Location: Folkestone, Kent
Type of Mortgage:
 Forces Help To Buy (relocation)

Devi & Anita had been relocated to a different part of the country due to Devi’s job in the Armed forces. They needed to buy a new property in a new area. They spoke to our mortgage advisor Andy, on the first meeting he found out everything he could about their current situation and affordability. They wanted to Use the Forces help to Buy Scheme but didn’t know much about it.

Andy then went away in his own time to research what options they had available to them. He called them back to explain what he found and put it into an email so they could go through it in their own time. He fully explained the scheme and all the terms and conditions of the Help to Buy mortgage.

When Devi & Anita were ready to complete an application, Andy was there to help them get set up from start to finish. Let’s just say they are now happy customers living in their dream home.

About Us

At More Than Money, we say "our family looking after your family", and we mean it. Led by a team comprising of Andy Stevens and his twin sons, Sam and Luke, family values drive our mission to provide exceptional financial advice.

We've seen the impact of poor mortgage advice, and we're dedicated to preventing these common pitfalls for individuals and families in across the UK. Our accessible approach ensures quality mortgage and property advice for both new and experienced homeowners. Whether it's face-to-face, or via phone or Zoom, our commitment remains: enabling successful home purchases through expert advice.

We Work With Over 80 Lenders To Get You The Best Deal On Your Mortgage


What banks or lenders do you have access to?

We are known as whole of market. This means we have access to every bank and lender.

How quickly can I get a mortgage?

From first initial appointment to move in day, on average this will take around 2-3 months.

Do you charge any upfront advice fees?

No, all advice is free and an advice fee is only applicable when your new mortgage completes

Do you only advise on Forces Help To Buy?

No, we can help with all mortgage applications, we have specialists in all areas.

How much deposit do I need?

There is no requirement for your own deposit as long as you have a minimum of 5% of the purchase price. This can be all FHTB deposit or a combination of FHTB and your own savings.

I have been pre-approved – what does this mean?

This means that a quick check on your serviceability of a loan has been done and it is calculated that you should be able to make mortgage repayments on the amount you have been pre approved for.

The Armed Forces Help to Buy

Interest free 10 year deposit

The money can be used for a house deposit, as well as any associated moving costs

Purchase any property of your choice