Most lenders will reject a mortgage application if they spot an undisclosed debt on a payslip, but for many service personnel, the 'debt' is actually an old Long Service Advance of Pay (LSAP) balance that hasn't been properly cleared or converted. Understanding how the Ministry of Defence transitioned from LSAP to the Forces Help to Buy (FHTB) scheme is essential because even in 2026, legacy administrative errors during this switch can stall a property purchase at the elevent