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

Looking to buy your first property but struggling to save for a deposit? You're not alone. 

With the cost of living crisis, many people are finding it nearly impossible to put away money at the end of each month.

And to make matters worse, mortgage lenders require at least a 5% deposit when buying a property, leading to higher interest rates.

But as a member of the armed forces, you have access to a unique solution: The Forces Help to Buy Scheme.

With this program, you can receive an interest-free loan of up to £25,000 for up to 10 years, making it possible to purchase your first home without saving up a deposit.

At More Than Mortgages, we specialize in helping armed forces personnel obtain the best mortgage deals, including access to specific deals that are only available to you. Plus, our head of mortgage department, Andy, has over 27 years of experience in the field and can provide expert advice every step of the way.

We have access to every UK mortgage lender, meaning we can guarantee you the best rates available. Ready to get started? Click the button below to take your assessment and see if you qualify for the Armed Forces Help to Buy Scheme.

Alternatively, you can give us a call on 01233 555 454 and ask to speak to Andy

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 Mortgages 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 Mortgages. 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 Mortgages 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 Mortgages 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 mortgages we're all about our family looking after your family. When the three of us - Andy Stevens and his twin sons, Sam and Luke - started this business we were determined to make life easier for people to get decent financial advice.

All too often, people end up with the wrong kind of mortgage after speaking to inexperienced financial advisers or mortgage brokers who give poor advice. And by the time these errors come to light, it's often too late. We're here to change that.  

We work across the whole of the UK. So whether you want to come and see us in our offices in Ashford in Kent, or talk to us via phone or Zoom, we're here to make sure that as many new and experienced landlords as possible get the mortgage and property advice they need to make a success of their buy to let investments.

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.

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

More Than Money is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Registered as a Company in England and Wales No. 11698896. Registered Office: Henwood House, Henwood, Ashford, Kent TN24 8DH.

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