PFL Mortgages

02/11/2026

“How much could we actually borrow?” is one of the most common questions we get asked when people are starting to think about their home buying options.

Mortgage lenders can look at your income, commitments, and expenditure differently so the amount you can borrow can vary greatly, and for Armed Forces personnel there can also be military-specific income and allowances to consider.

So before deciding that a property is out of reach, or assuming you can borrow a particular amount because an online calculator says so, it can be worth finding out properly.

Even if you're nowhere near ready to buy, sometimes knowing roughly what your budget could look like is the thing that allows everything else to start falling into place... 😊🏡

Whether you just want a quick chat to get prepared, have a question, or want us to guide you through the whole journey, we help military families however much - or however little - they need us. As you are part of the military community, you will never pay us a fee.

📖 Find out more: pflmortgages.com/forces

Contact us:
📞 Call us: 01332 300000
📧 Email us: [email protected]
👉 Or simply ask a question or request a call back here: https://pflmortgages.com/ask

31/10/2026

🦇 Happy Howl-oween from PFL Mortgages! 🎃

Bella has officially joined the bat squad for the day! 🐾 Wishing you all a spooktacular Halloween from Bella and the rest of the PFL team 👻🕸️

30/10/2026

There's no such thing as a silly question! 🙌

And that's something Craig, as well as the rest of our team, pride ourselves on. Whether it's a quick question, something you don't quite understand or just needing a bit of reassurance, having someone there can make all the difference.

Here is some lovely feedback we recently from one of Craig's clients:

“Any question wasn’t too silly or too much trouble for him. Craig kept us updated throughout and was professional and polite.”

⭐⭐⭐⭐⭐


If buying a home is something you've started thinking about, or even if you're right at the start and have lots of questions, come and have a chat with us 😊 🏡

📞 Call us: 01332 300000
📧 Email us: [email protected]
👉 Or simply ask a question or request a call back here: https://pflmortgages.com/ask

26/10/2026

🏡Thinking about buying a home while serving in the Armed Forces?
You might have more options than you realise.

🔑 Want a home of your own to live in now?
Forces Help to Buy could provide up to £25,000, potentially covering your deposit and legal costs even if you have little or no savings.

✨ Happy living in military accommodation?
Some mortgage lenders may allow you to buy a home now using a residential mortgage, rent it out while you're serving and move in when you're ready.

⏰ Planning for life after Service?
It's worth exploring your home ownership options early. Waiting until your leaving date approaches could limit your mortgage options.

We can also help you explore affordable home ownership schemes, or understand your options if you're facing relationship breakdown, discharge or redundancy.

At PFL Mortgages, we're Armed Forces specialist mortgage advisers. We've created five free home ownership guides covering some of the most important questions facing the Armed Forces community.

📖 Explore our free guides here:
https://pflmortgages.com/guides-and-advice

We help military families however much - or however little -they need us. As you are part of the military community, you will never pay us a fee.

Contact us:
📞 Call us: 01332 300000
📧 Email us: [email protected]
👉 Or simply ask a question or request a call back here: https://pflmortgages.com/ask

20/10/2026

RAF Families Federation have an important reminder… Check your boilers!

Before the temperatures start to drop, it is a good time to make sure your boiler is ready ❄️

Check out their post below for more details - 👇

Check your boilers!

While the warmer weather is still with us, now is a great time to make sure your boiler is ready for when temperatures eventually start to fall.

Heating issues often only become apparent when the system is switched on after a long period of inactivity, so a quick check now could help you avoid problems later in the colder months.

Try turning your heating on and checking that your radiators warm up properly.
It is also worth looking at your boiler pressure gauge. Most systems work best with a pressure reading between 1 and 1.5 bar. If the pressure is too low, your heating may not perform as effectively when you need it.

For guidance on how to check the boiler pressure and what to do if you need to top up your boiler pressure, head over to view the step-by-step videos available on the Pinnacle Service Families website to help you through the process.

For information on handy winter tips for your service families accommodations visit ▶️ https://bit.ly/4xZRrbn

19/10/2026

🎙️ A little love for Pad Wives Unfiltered! 💚

If you haven't discovered Sophie and Kirsha from Pad Wives Unfiltered yet, you're in for a treat!

We're really proud to be an Official Brand Sponsor of Pad Wives Unfiltered, working in partnership with Sophie and Kirsha over the next 12 months. For us, supporting the Armed Forces community isn't just about mortgages - it's about getting behind people who genuinely understand military life, sharing experiences, having a laugh and helping military families feel connected. That's why we're so excited to be part of the Pad Wives journey! ✨

So pop the kettle on, get comfy and give their latest episode a watch! ☕ 🎧

📺 Watch the latest episode here: 👇
https://www.youtube.com/watch?v=DCAtR6gvcEs

19/10/2026

🏡 Going through a separation and worried about where you'll live next? 😟

For military families living in SFA, a relationship breakdown can bring an extra worry — what happens to your home?

If you're facing a 93-day Notice to Vacate (NTV) following a separation, finding somewhere else to live can suddenly feel quite urgent.

But here's something you might not have considered… Buying a home could be an option.

🙏 Unsure what you could afford on your own? Don't assume a mortgage is out of reach without finding out, you may be surprised.

🔑 Want to understand more about the different home buying schemes available? Affordable home ownership schemes can make it possible to buy a home that you may not otherwise be able to afford on your current income.

🙌 Never owned a home before? You don't necessarily need years of savings behind you to become a first-time buyer.

We know that separation can be an incredibly difficult time, and if you've already received an NTV, the last thing anyone needs is more pressure. Understanding your housing options early could make a real difference.

We've put together helpful information in our Guides & Advice section, including guidance on losing entitlement to military accommodation.

👇 Explore our Guides & Advice:
https://pflmortgages.com/guides-and-advice

We help military families however much — or however little — they need us. As you are part of the military community, you will never pay us a fee.

Contact us:
📞 Call us: 01332 300000
📧 Email us: [email protected]
👉 Or simply ask a question or request a call back here: https://pflmortgages.com/ask

16/10/2026

🎄 📮 Sending Christmas parcels to loved ones overseas this year?

A really important heads-up from the RAF Families Federation as BFPO has advised that the last posting date is 30th October for overseas Christmas mail this year — so here is your reminder to start to get things prepared...

If you've got family or friends serving overseas, it's worth getting those Christmas parcels organised sooner rather than later. ✨ 🎁

Please share with anyone who might need the reminder 💚

🎄✉️ **Important Update from BFPO for Christmas 2026!** ✉️🎄

British Forces Post Office (BFPO) anticipates a number of technical challenges could disrupt the Christmas posting period from October to December this year.

The last posting date to overseas locations is 30th October 2026, so if you are sending gifts to service personnel and families overseas, post soon to ensure they arrive in time for Christmas.

Latest information on BFPO posting can be found here - https://www.gov.uk/bfpo

Remember, posting early is key to avoiding disappointment!