Help To Buy

Forces Help to Buy Scheme (FHTB)

By its very nature, military life tends to be nomadic. For many service people and their families, getting out of Forces accommodation and into your own home is the ultimate dream; but getting the money together for a deposit, legal fees, removal costs and other expenses can be a struggle.

Under the Long Service Advance of Pay (LSAP) scheme, you could get an interest-free advance of pay of up to £8,500 to put towards a house purchase. In April 2014, this was replaced by Forces Help to Buy (FHTB), which allows you to borrow up to 50% of your annual salary, to a maximum of £25,000.

At Forces Law, we can help you apply for an advance of pay through FHTB, which can also be applied for in addition to any existing LSAP funding, recognising qualifying criteria will apply. Then, once you’ve found your perfect property, we’ll take care of the practical legal details.

These can be more complex under FHTB than for everyday civilian house purchases, but we have lawyers with specialist knowledge of both schemes, as well as personal experience of serving in the Armed Forces. From conducting searches , through drawing up and exchanging contracts to completion, we’ll handle the whole conveyancing process for you, and help make getting the keys to a home of your own a reality.

For more information about buying a house, with or without FHTB funding, please contact us on 0239 262 6888 or email You can find more details about the scheme on the government website at

Locate a Lawyer

Call our central helpline on 0239 262 6888 or email and we’ll put you in touch with a solicitor who can provide the expert advice you need.

Find a member >

What our clients say

Thank you for everything you have done!! You have been amazing from start to finish, I just wish I had come to you in the first place as my previous solicitor didn’t even know there were special rules for Armed Forces wives. Biscoes Solicitors.

(Bolt Burdon Kemp.) You have always been professional, meticulous, understanding, adaptable and really gone up and above in all aspect of our case and customer care. Not once during your representation have we had to worry or question your ability, directions, guidance or choice of experts or legal representation, which alleviates some of the worry and burden that litigation brings.

Sgt RLC, Military claims client.

(Wace Morgan Solicitors LLP) Very compassionate, caring and professional service. Very hard to improve on 100%. Good standard of service.

Do not hesitate to use Wolferstans as your solicitors. I have used them now on two occasions and they are quite simply the very best there is. Helpful, friendly, efficient but above all honest with you from start to finish. My most recent case was a triumph and that was down to their dedication and professional handling of the case. In short they saved me my future and I will be eternally grateful.

Mr Hall, Plymouth.

Contact us

We are able to offer legal advice on all matters, from civilian issues to courts martial, calling on our members wealth of experience, in every matter relating to forces life.

Contact Us