A Forces Help to Buy (FHTB) application isn't a guarantee of mortgage approval because lenders and the MOD look at your pay packet through two completely different lenses. While the MOD might agree to lend you up to £25,000, a high-street lender will often reduce your maximum borrowing amount because that FHTB loan is treated as a monthly debt commitment. If your total monthly credit repayments—including the new mortgage and the FHTB repayment exceed 55% of your gross househo