Army Help to Buy - Ideal Home Loans

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Army Help to Buy

Army Help to Buy

Army Help to Buy

If you are a regular in the armed forces, you could be eligible for the Army help to buy scheme which could help you get on the property ladder. You might not have heard about this so we can explain what it is and the criteria to qualify too. What’s good also is that other Government backed schemes can be used as well so you could benefit from multiple sources of help, which is great, especially if you are a first-time buyer.

Overview of the scheme:

If you are om the Army you can apply for the Army help to buy scheme which lets you borrow up to 50% of your salary to a maximum of £25,000.  This loan is interest free and is to help you purchase your first home or move to a new property.

All regular Army personnel are eligible if they have the following:

  1. have completed the pre-requisite length of service.
  2. have more than 6 months left to serve at the time they apply.
  3. meet the right medical categories.

There are of course exceptions to the above criteria that may mean you still get accepted for an Army help to buy scheme. To apply you need to do this through your Joint Personnel Administration and seek advice from your chain of command and personnel agency.  You can apply online.


  • The aim of the scheme is to help and support Army personal get on the property ladder or move to a better home.
  • The scheme is ideal for all regular personnel.
  • You apply online through the JPA.
  • Ideally you need to apply at least 6 weeks before the expected completion date.
  • The scheme ends on the 31st December 2022.
  • The process takes about 4 weeks but could be longer so always allow for more time when you are thinking about applying.

The length of the interest free loan is up to 10 years. Repayments are taken for the Army help to buy scheme in regular monthly repayments from your salary.

Eligibility for Army Help to Buy Scheme:

  • You must have served for more than 2 years
  • You must have more than 6 months service remaining when you apply for the Army help to buy scheme.
  • The property you are buying is in the UK
  • You are not a reservist or a member of the Military Provost Guard
  • You have not drawn any terminal benefits

The loan can be and is intended to assist towards the balance of the purchase price of the home (taking into account, for example, deposit, legal, surveyors, land registration and estate agent fees).

The team here at Ideal Home Loans can help you every step of the way as we have years of experience firstly as armed forces personal buying a property ourselves and secondly as mortgage advisor experts. Speak to the us today and we will answer any questions you may have and help you on your way to your new property.