The Forces Help to Buy (FHTB) scheme allows personnel to borrow up to £25,000 interest-free, but assuming every bank treats this as a standard 'cash deposit' is a mistake that causes hundreds of mortgage applications to fail at the finish line in 2026. While the MOD views the funds as an advance on your salary, lenders view it as a debt, and the legal work must bridge that gap to ensure your offer isn't withdrawn during the conveyancing process.