Whole-of-market mortgage advice
Mortgages for Armed Forces & Military Personnel in Lincolnshire
Forces-friendly mortgage advice across Lincolnshire, from Forces Help to Buy to lenders who understand postings, deployment and BFPO addresses. Free until your offer is approved.
5.0★ · 700 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
Buying a home in the forces? We arrange mortgages for armed forces and military personnel across Lincolnshire, from Forces Help to Buy to forces-friendly lenders who understand postings, deployment and BFPO addresses. Advice is free until your offer is approved, in person, by phone or video.
Mortgages for army, RAF and Royal Navy personnel
Army, RAF, Royal Navy or Royal Marines, serving or a veteran: we know which lenders treat forces life fairly, from X-factor and specialist pay to continuity of occupation when you are posted away. As former bank managers, we match you to a forces-friendly lender and handle it end to end.
Forces Help to Buy: an interest-free deposit boost
Forces Help to Buy (FHTB) lets eligible regular personnel borrow up to 50% of annual salary, capped at £25,000, interest-free, repaid through your pay over up to 10 years, towards your deposit and buying costs. It is the single biggest boost for most forces buyers. See our dedicated Forces Help to Buy mortgage advice for how the scheme works with your mortgage, or try the calculator.
Buying near your base in Lincolnshire
With RAF Cranwell, Waddington, Coningsby and Digby on our doorstep, we help forces families buy near their posting across Sleaford, Lincoln and the county. If a future posting means letting the home out, we factor that in from the start.
Can you get a mortgage while deployed or posted overseas?
Often, yes. Some lenders accept applications from personnel posted away or overseas and count a BFPO address and forces income, where others will not. This is where a broker earns its keep: we know who says yes.
How much could you borrow?
Enter your income and outgoings for a guide to your borrowing, then add Forces Help to Buy on top. It is an estimate, not a mortgage offer.
Why use a mortgage broker as forces personnel?
Your own bank sees one shelf of deals and may not understand forces pay or postings. As a whole-of-market mortgage broker and adviser, we compare forces-friendly lenders, use Forces Help to Buy well, and handle the paperwork end to end. Buying your first place? See our first-time buyer mortgage advice too.
Ready to start? Book a free, no-obligation chat about your forces 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
- Families buying near a Lincolnshire base
- Personnel posted away or deployed overseas
- Veterans moving into civilian life
- Forces couples buying together
Why a broker
Why forces buyers use a mortgage adviser
Go direct and you only ever see one lender’s deals. We compare the whole market, handle the legwork, and keep you moving, often finding a rate and a lender you could not reach on your own.
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
From first chat to front-door key
Three simple steps. You always know what happens next.
A free, friendly chat
Tell us your situation. We listen first, with no obligation and no pressure, in person, by video or on the phone.
We search the whole market
We compare lenders across the whole market and bring you a clear recommendation you can actually understand.
We manage it to completion
We handle the application and chase lenders, solicitors and agents, so you can get on with your move.
Local to you
Advising on mortgages for armed forces & military personnel across Lincolnshire
With RAF Cranwell, Waddington, Coningsby and Digby nearby, we help forces families buy across Sleaford, Lincoln, Grantham and the county. We factor in future postings from the start, including letting the home out if you move on, and 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
Mortgages for Armed Forces & Military Personnel: your questions answered
Do soldiers and military personnel get special mortgages?
There is no separate military mortgage, but some lenders are far more forces-friendly, and Forces Help to Buy gives eligible regulars an interest-free advance towards a deposit. We match you to the right lender and scheme.
How much is Forces Help to Buy?
Up to 50% of your salary, capped at £25,000, interest-free, repaid over up to 10 years through your pay.
Can I get a mortgage while posted or deployed overseas?
Often yes. Some lenders accept forces income and a BFPO address from personnel posted away or overseas, where others will not. We know who says yes.
What clients say
700 verified reviews, rated 5.0
257 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.
