PFL Mortgages
Source: gov.uk (2025-11-10)

We, the undersigned, commit to honour the Armed Forces Covenant and support the Armed Forces Community. We recognise the value Serving Personnel, both Regular and Reservists, Veterans and military families contribute to our business and our country.

The Armed Forces Covenant

An enduring covenant between the people of the United Kingdom, Her Majesty’s Government and all those who serve or have served in the Armed Forces of the Crown and their families

The first duty of Government is the defence of the realm. Our Armed Forces fulfil that responsibility on behalf of the Government, sacrificing some civilian freedoms, facing danger and, sometimes, suffering serious injury or death as a result of their duty. Families also play a vital role in supporting the operational effectiveness of our Armed Forces. In return, the whole nation has a moral obligation to the members of the Naval Service, the Army and the Royal Air Force, together with their families. They deserve our respect and support, and fair treatment.

Those who serve in the Armed Forces, whether Regular or Reserve, those who have served in the past, and their families, should face no disadvantage compared to other citizens in the provision of public and commercial services. Special consideration is appropriate in some cases, especially for those who have given most such as the injured and the bereaved.

This obligation involves the whole of society: it includes voluntary and charitable bodies, private organisations, and the actions of individuals in supporting the Armed Forces. Recognising those who have performed military duty unites the country and demonstrates the value of their contribution. This has no greater expression than in upholding this Covenant.

Section 1: Principles of the Armed Forces Corporate Covenant

1.1 We PFL Mortgages will endeavour in our business dealings to uphold the key principles of the Armed Forces Covenant, which are:
- no member of the Armed Forces Community should face disadvantage in the provision of public and commercial services compared to any other citizen;
- and in some circumstances that special treatment may be appropriate especially for the injured or bereaved.
Section 2: Demonstrating our commitment

2.1 PFL Mortgages recognises the value serving personnel, reservists, veterans and military families bring to our business. We will seek to uphold the principles of the Armed Forces Covenant, by pledging to the following:
- Armed Forces Friendly
We also pledge the following:

Promoting that we are an Armed Forces friendly organisation, to our staff, customers and wider public. Offering a remote-working solution which would benefit the mobile Armed Forces Community. Especially partners. Making it as easy as possible to communicate by providing many options. These include tele- phone calls, video calls, E-mail, WhatsApp, and Messenger. We will ensure that all our communications are clear and simple, avoiding industry jargon. We will take our time, step by step through the whole process from start to finish. Appointing an Armed Forces Co-ordinator to act as a focal point our Armed Forces services and activities. Ensuring the Armed Forces Community has fair access to our services by working appointments around their busy schedules, including evenings and weekends where necessary. Removing the barrier of our usual broker fee to provide a completely free service for military families. Employing advisers with experience of working with personnel and military families, and with specialist knowledge of the Forces Help to Buy scheme. Supporting Armed Forces charities with fundraising, including donating a portion of our profits for every mortgage completed for service personnel.

2.2 We will publicise these commitments through our literature and/or on our website, setting out how we will seek to honour them and inviting feedback from the Service community and our customers on how we are doing.