Whole-of-market mortgage advice
Armed Forces Help to Buy Mortgages in Lincolnshire
Forces Help to Buy gives eligible regulars up to £25,000 interest-free towards a deposit. We match it to a forces-friendly lender and handle the mortgage. Free until your offer is approved.
5.0★ · 701 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
As serving RAF we worried lenders would not understand our income. They knew exactly what to do and got it sorted around a posting. Brilliant service.
Forces Help to Buy gives you up to £25,000 interest-free towards your deposit, but the scheme is only half the story: you still need a mortgage, and not every lender accepts Forces Help to Buy or understands forces pay. As former bank managers advising across Lincolnshire, we match your Forces Help to Buy advance to a forces-friendly lender and handle the mortgage end to end. Advice is free until your offer is approved, in person, by phone or video.
Which lenders accept Armed Forces Help to Buy?
Only some lenders lend alongside Forces Help to Buy, and their criteria differ on things like X-factor and specialist pay, continuity of occupation when you are posted, and BFPO addresses. Your own bank may say no, or not understand forces income at all. As a whole-of-market mortgage broker we know which lenders welcome forces buyers using the scheme, and match you to one that fits, rather than you ringing round hoping.
Can two of you use Forces Help to Buy on the same home?
Yes. Where you are both serving, you can each use your own advance on the same property, so the £25,000 limit is per person, though not every lender accepts two advances as your deposit. See our guide to Forces Help to Buy joint applications for how it works, or ask us which lenders take both.
Getting a mortgage alongside Forces Help to Buy
Forces Help to Buy is the deposit boost; the mortgage is separate. A lender still assesses your income and outgoings and treats the advance repayment as a monthly commitment. We compare the whole market, present your case properly, and line the mortgage up so it completes in step with your advance, so you are never left holding an approved advance with no mortgage to use it on. The bigger deposit the scheme gives you often means a better rate too. Get a guide to your borrowing below, then add your Forces Help to Buy advance on top, or use our Forces Help to Buy calculator for the scheme figure.
What Forces Help to Buy does for your mortgage
The advance becomes part of your deposit, which lowers your loan-to-value. A lower loan-to-value usually opens up better rates and more lenders, so Forces Help to Buy does not just help you buy, it can make the mortgage itself cheaper each month. We work out how much of the advance to put down, and whether to keep some back for fees, to get you the strongest mortgage for your circumstances.
Why use a mortgage adviser for Forces Help to Buy?
Your own bank sees one shelf of deals and may not understand forces pay, postings or the scheme. As a whole-of-market mortgage broker and adviser, and former bank managers, we compare forces-friendly lenders, use your Forces Help to Buy advance well, and handle the paperwork end to end so the scheme and the mortgage move together. It is why forces buyers come to us rather than going direct.
Forces Help to Buy near your Lincolnshire base
With RAF Cranwell, Waddington, Coningsby and Digby nearby, we help forces families buy across Sleaford, Lincoln, Grantham and the county, and factor in future postings from the start, including letting the home out if you move on. Looking more widely than the scheme? See our mortgages for armed forces and military personnel.
New to Forces Help to Buy?
In short, Forces Help to Buy is an interest-free advance of up to 50% of your salary, capped at £25,000, made permanent in 2023 and repaid through your pay. For the full detail on how it works, who is eligible, how much you can borrow, how to apply and how long it takes, read our Armed Forces Help to Buy guide. When you are ready to line up the mortgage, that is where we come in.
Can you use Forces Help to Buy with shared ownership?
Often, yes. You can put the Forces Help to Buy advance towards the deposit and costs on a shared ownership home, buying a share and paying rent on the rest, which stretches your budget further. See our shared ownership mortgage advice, and we will check which lenders accept both together.
Ready to start? Book a free, no-obligation chat about your Forces Help to Buy mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.
Is this you?
We help forces buyers like…
- Regulars using Forces Help to Buy for a first home
- Forces families moving on a new assignment
- Personnel buying near a Lincolnshire base
- Buyers unsure which lenders accept the scheme
- Forces couples buying together
Why a broker
Why forces buyers use a mortgage adviser
Service income, postings and the Forces Help to Buy scheme confuse plenty of high street lenders. We compare the whole market, go to lenders who understand military life, and make the scheme work as hard as it can, all for a discounted 199 pound fee.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help forces buyers, step by step
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A chat that gets service life
We start by understanding your service, your posting and the Forces Help to Buy scheme, so the advice fits military life from the off.
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Make the most of Forces Help to Buy
We explain how the scheme works alongside your deposit and which lenders accept it, so the interest-free advance does the most for you.
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Match you to a forces-friendly lender
Some lenders understand service income, postings and accommodation far better than others. We go straight to them.
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We handle the application
We work around deployments and timescales, manage the paperwork and chase it through, keeping you updated wherever you are.
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Into your home
We see it through to completion and remain on hand for your next posting or remortgage.
Local to you
Advising on armed forces help to buy mortgages across Lincolnshire
With RAF Cranwell, Waddington, Coningsby and Digby nearby, we help forces families use Forces Help to Buy across Sleaford, Lincoln, Grantham and the county, and factor in future postings from the start. We advise in person, by phone or video to fit around service life.
- Sleaford
- Lincoln
- RAF Cranwell
- RAF Waddington
- RAF Coningsby
- RAF Digby
- Grantham
- Newark
- Boston
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Armed Forces Help to Buy Mortgages: your questions answered
How does Forces Help to Buy work?
You borrow up to 50% of your salary, capped at £25,000, interest-free, repaid through your pay over up to 10 years, and put it towards your deposit. Full detail in our scheme guide.
How do I apply for Forces Help to Buy?
You apply through JPA and approval comes via your chain of command, not the lender. We line the mortgage up alongside so both run together.
When does Forces Help to Buy end?
It does not. It was made a permanent part of the armed forces offer in 2023. More in the scheme guide.
Do all lenders accept Forces Help to Buy?
No, only some do. As a whole-of-market broker we match you to one that accepts the advance as your deposit. Two of you buying? See joint applications.
In your area
Armed Forces Help to Buy Mortgages near you
Local advice for forces buyers, tuned to your town and its housing market.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
