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Armed Forces mortgage advisory services

You keep us safe, so the least you deserve is a better mortgage!
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No broker fees, ever!

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All Armed Forces staff can enlist our mortgage services!

Everyone in the Armed Forces can call on Public Sector Mortgages for support.

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Efficient and professional
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Always personalised
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In-person or remote
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Armed Forces Help to Buy
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Whole market mortgage search, guaranteed!

We thoroughly search the entire mortage market to ensure we take advantage of all opportunities. 

How much can you borrow as an Armed Forces worker?

Check how much you may be able to borrow via our mortgage calculator. We’ll also reveal how much you’d be expected to repay each month. Or book a consultation today for a more personalised projection.

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Heart Contact us to find out how we can help!

Become our next Armed Forces mortgage success story

We have helped Armed Forces staff from the Royal Navy, Royal Air Force, and the British Army. You could be our next success story by getting in touch and following these four convenient steps.

It’s as easy as 1, 2, 3…4

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Contact our experts to discuss your needs and get options swiftly.
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Apply for your ideal mortgage with our advice and support.
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Once approved, it’s time to search for your moving boxes!
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Access the funds to complete your property purchase.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages for Members of the Armed Forces

If you are employed by the Armed Forces, we can provide you with practical and beneficial mortgage advice.

Public Sector Mortgages advisers have a great deal of experience in helping Armed Forces personnel secure the right mortgage deals. We understand the exceptional circumstances that can make obtaining a mortgage difficult for service people.

For example, we know the lenders who will accept BFPO addresses in the same way they would a permanent address. We also know who will offer UK mortgages on residential terms, even if you are not going to reside permanently in the UK.

If you are a first-time buyer and want to get your foot on the property ladder, we can help. We can assist you by guiding you through the information on the government scheme designed ot help those serving in the Armed Forces with the costs of buying a property.

You can still take advantage of the Forces Help To Buy scheme which enables you to borrow up to half of your salary (up to £25,000) to support you with the deposit and costs of purchasing a home.

It is fundamentally an interest-free loan you must repay within ten years.

Along with the need to satisfy the more general mortgage lenders’ criteria, you will also need to meet the scheme’s specific criteria to qualify.

If you’re not eligible, you’ll be pleased to know that Public Sector Mortgages can still help. Our experienced advisers have helped many service personnel find the mortgage that’s most suitable for them and their individual set of circumstances.

If you’d like more information on whether you qualify, let us know. We’ll be more than happy to help.

Mortgages that give something back to our Armed Forces heroes

So, what exactly can Public Sector Mortgages do for Armed Forces personnel?

The most important thing we can do is give you peace of mind. It’s not just decades of experience that we can bring to the table; our mortgage advisers are serious about doing the very best they can for you. Their knowledge of the mortgage market is second to none, and they have a tactical approach to finding you that mortgage as efficiently as possible.

We are aware of your unique situation and provide the most professional of services, so we tailor our advice accordingly. With Public Sector Mortgages, you are more likely to find the mortgage application process a stress-free affair.

So, why not contact us today? Get the right Armed Forces mortgage with Public Sector Mortgages.

Looking for an expert on mortgages? Great news for Armed Forces personnel.



Can Armed Forces workers get a cheaper mortgage?

Yes, people in the Armed Forces can get a cheaper mortgage deal by choosing the right mortgage lender. Some lenders specifically advertise Armed Forces mortgages - one of these could be the best option for you.

What is an Armed Forces mortgage?

An Armed Forces mortgage isn’t typically just for members of the Forces. It’s a standard mortgage marketed to Armed Forces workers because it includes an interest rate discount or another benefit for Armed Forces personnel, such as cashback. You need to know where to look to take advantage of these deals, and they may not be widely advertised.

What is UK Armed Forces Help to Buy?

The UK Armed Forces Help to Buy Scheme is a permanent scheme from the government to help Armed Forces members buy a home. In a nutshell, it allows members to borrow up to 50% of their annual salary (up to £25,000) as a deposit or to cover other fees for a property purchase. The money is provided free of interest. 

Who qualifies for Armed Forces Help to Buy?

To qualify for the scheme, you must meet a length of service requirement, have at least six months left to serve and meet medical requirements. Our team can help you work out if you qualify for this exclusive scheme. 

Can you help if I’m deployed overseas?

Yes, we provide a remote service to help Armed Forces staff currently abroad. We even have experience in getting Armed Forces workers a residential mortgage for a property that they can rent out until they return, avoiding the need for a BTL mortgage with tougher eligibility requirements. 


Read our latest blogs for free help and information on searching for a mortgage as a public sector worker. 

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