Get Your Foot on the Property Ladder with an RAF Mortgage - Ideal Home Loans

Our expertise covers all mortgages including military mortgages, self-employed and bad credit

Get your foot on the property ladder with an RAF Mortgage

Get Your Foot on the Property Ladder with an RAF Mortgage

There’s nothing better than having the security of having a home to come back to between posts when you’re serving. Reduce your stress for new accommodation, give you and your family peace of mind, and get your foot on the property ladder with an RAF mortgage.

What you will need for an RAF Mortgage

Proof of ID

We can help you with which documents are acceptable and offer a third-party electronic ID check via Experian.
Acceptable documents can be:
– Scanned copy of your passport
– Scanned copy of your driving license
– Bank Statement or Household Bill (has to be within three months, can’t be a mobile bill)

Payslips and P60

You will need at least three months of statements to be downloaded from JPA.

Bank Statements

You will need at least three months’ worth of bank statements, this will determine your affordability for RAF Mortgages, and you will need proof of your deposit.

Credit File 

RAF mortgage lenders will need to see your credit score, which can be complicated if you’re at a BFPO serving overseas. Having a UK address, like your parent’s home or wherever your bank statements are sent, will be the best address to use for your credit file and mortgage application.

If I’m overseas, how can I buy a property in the UK?

You won’t have an issue buying a UK-based property whilst stationed overseas, as your BFPO address has a UK postcode.
Ideal Home Loans can act as your representatives for a large part of your RAF mortgage application, dealing with solicitors, estate agents and lenders all on your behalf. You can reach us via phone, email, and WhatsApp. We also give you access to a secure client portal when applying for RAF mortgages. At IDH, we want to make your RAF mortgage application and home buying process as seamless as possible, so you don’t have to stress or worry whilst overseas. We’ve got you covered.

To find out more about how you can get your foot on the property ladder with an RAF Mortgage, view our RAF Mortgages page.