Question 1

Can I use Forces Help to Buy for my first home?

Accepted Answer

Yes. Many Armed Forces personnel use the scheme to purchase their first property.

Question 2

Can I use the Forces Help to Buy scheme if I already own a property?

Accepted Answer

Yes, you can use the Forces Help to Buy (FHTB) scheme even if you already own a property, provided you are moving to a new home due to assignment, or for specific family/medical reasons. It is not restricted to first-time buyers; it supports moving to a more suitable property or extending your current home

Question 3

Do I still need a mortgage with a FHTB?

Accepted Answer

Usually, yes. Forces Help to Buy is designed to assist with deposits and associated costs rather than fund the full purchase price.

Question 4

What delays can happen during the process?

Accepted Answer

Common delays include mortgage approval times, issues raised during searches, chain delays, or waiting for Forces Help to Buy authority documentation. Our team works proactively to minimise delays wherever possible.

Question 5

Can you work with clients posted overseas?

Accepted Answer

Yes. We regularly assist Armed Forces personnel based elsewhere in the UK or overseas and can manage much of the process remotely.

Question 6

Do I need to attend the office in person?

Accepted Answer

In most cases, no. Many parts of the transaction can be completed remotely using secure online systems and electronic communication. If you would prefer to meet in person, however, we welcome this also.

Question 7

What is the difference between a residential mortgage and a Buy to Let mortgage?

Accepted Answer

Buy to Let mortgages are specifically designed for investment properties and are assessed differently by lenders, often based on projected rental income.

Question 8

Can I rent out my current home if I am reposted?

Accepted Answer

Potentially, yes. You may need consent from your lender or a specific Buy to Let mortgage depending on your circumstances.

Question 9

Can I buy a home while still living in Service Family Accommodation?

Accepted Answer

Yes. Many Armed Forces families begin the buying process while still living in SFA and coordinate completion around their move-out dates.

Question 10

What happens if I receive a posting during the transaction?

Accepted Answer

We understand that postings can happen unexpectedly. We work proactively to keep your transaction progressing and can help coordinate timescales around your move where possible.

Question 11

Can documents be signed while I am overseas?

Accepted Answer

Yes. Many documents can be signed electronically or arranged in advance. We can also discuss practical solutions such as Powers of Attorney if required.

Question 12

Can you work around operational commitments and exercises?

Accepted Answer

Absolutely. We understand that military schedules can change quickly, and we aim to provide flexible communication and practical support around your commitments.

Question 13

Can I use BFPO addresses during the transaction?

Accepted Answer

Yes. We regularly work with BFPO addresses and understand the additional considerations involved with overseas correspondence.

Question 14

What if I have limited access to phone or internet while deployed?

Accepted Answer

We will work with you to agree the best communication methods in advance and can prepare documents early wherever possible to minimise delays.

Question 15

Can you help if I am transitioning out of the Armed Forces?

Accepted Answer

Yes. We regularly assist personnel purchasing, selling or remortgaging properties during resettlement and transition into civilian life.  We also have connections with lots of organizations offering support to jobs to help you.

Question 16

Do mortgage lenders understand Armed Forces pay and allowances?

Accepted Answer

Many lenders are experienced with Armed Forces applications, including military pay structures and allowances. We also work closely with brokers familiar with service personnel mortgages.

Question 17

Can you complete a transaction quickly if I have short notice deployment or relocation?

Accepted Answer

We always aim to progress matters proactively and can prioritise urgent documentation where military commitments require flexibility.
We keep our cases low and you deal with the same person from start to finish.

PROPERTY LAW
A consultant practice of
CARBON LAW PARTNERS
WE'VE GOT YOUR 6

Call us on 01900 361173

Frequently asked questions

Can I use Forces Help to Buy for my first home?

Can I use the Forces Help to Buy scheme if I already own a property?

Do I still need a mortgage with a FHTB?

What delays can happen during the process?

Can you work with clients posted overseas?

Do I need to attend the office in person?

What is the difference between a residential mortgage and a Buy to Let mortgage?

Can I rent out my current home if I am reposted?

Can I buy a home while still living in Service Family Accommodation?

What happens if I receive a posting during the transaction?

Can documents be signed while I am overseas?

Can you work around operational commitments and exercises?

Can I use BFPO addresses during the transaction?

What if I have limited access to phone or internet while deployed?

Can you help if I am transitioning out of the Armed Forces?

Do mortgage lenders understand Armed Forces pay and allowances?

Can you complete a transaction quickly if I have short notice deployment or relocation?

JB Property Law LTD

PROPERTY LAW A consultant practice of CARBON LAW PARTNERS WE'VE GOT YOUR 6

Call us on 01900 361173

Frequently asked questions

Can I use Forces Help to Buy for my first home?

Can I use the Forces Help to Buy scheme if I already own a property?

Do I still need a mortgage with a FHTB?

What delays can happen during the process?

Can you work with clients posted overseas?

Do I need to attend the office in person?

What is the difference between a residential mortgage and a Buy to Let mortgage?

Can I rent out my current home if I am reposted?

Can I buy a home while still living in Service Family Accommodation?

What happens if I receive a posting during the transaction?

Can documents be signed while I am overseas?

Can you work around operational commitments and exercises?

Can I use BFPO addresses during the transaction?

What if I have limited access to phone or internet while deployed?

Can you help if I am transitioning out of the Armed Forces?

Do mortgage lenders understand Armed Forces pay and allowances?

Can you complete a transaction quickly if I have short notice deployment or relocation?

JB Property Law LTD

PROPERTY LAW
A consultant practice of
CARBON LAW PARTNERS
WE'VE GOT YOUR 6