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Armed Forces Home Ownership Scheme (AFHOS)

The Armed Forces Home Ownership Scheme has now been withdrawn but was a scheme provided to the Armed Forces by the HCA (Home and Communities Agency).  The principal of the scheme works in the same way as Help to Buy, First Buy and Home Buy where a percentage of the deposit is lent the home owner as a contribution to the gross purchase price of the property being considered.

This particular scheme did allow for more flexibility in particular to areas of subletting or moving away from base but the principals of selling remain the same as the other schemes whereby you are required to have an RICS registered valuer from a regulated firm of chartered surveyors to carry out an independent market valuation.  The principals of valuation and the guidance follow the same as Help to Buy valuations and indeed the recommendations for repayment are detailed within our website.


R J Harmer Ltd has been established for over 25 years and offers professional advice to a number of National Clients.

Our services range from Part Exchange Agency to the specialism of Help to Buy valuations, property survey and valuation and New Homes sales and land agency.

Our personal and professional approach has allowed us to develop on a National Basis and offer our clients a reliable and efficient service – indeed many of our national clients have been with us since we began.

Our geographical area for Help to Buy valuations has a national coverage. We cover most of the Midland cities, including Leicester, Lincoln, Nottingham, Derby, York, Sheffield, Leeds and Birmingham . Our regional counties include. Cambridgeshire, Lincolnshire, Northamptonshire, Bedfordshire, Warwickshire, Leicestershire, Rutland, Nottinghamshire, Derbyshire, South Yorkshire and West Yorkshire,

Hi Tracey Many thanks for sending this through and for the advice – most helpful. I have just sent the documents and spoken with Target on the phone (Caitlyn) who took my payment, looked over the documents and uploaded them to the redemption team as we spoke. Thanks again for yours and Richard’s help. All the Continue Reading

Hi Tracey, I would like to let you and Richard know that my Help to Buy Redemption has now been successfully completed. Thank you both for your great service and valuable advice with regards to the redemption process, much appreciated. Regards   –   Amit/Roshni

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