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can i roll a loan into a mortgage
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Even with no loan you'll struggle.
Legal fees, around £1300 from your savings means your looking at a 95% LTV, and there rare at present.
Im sure youll be eligiable for benefits though - working tax credits? because £12k is a low wage. Some lender would take that into account I think (others will confirm/deny).
TBH though, in the current economic climate I think your barking to be leaving the forces, which is a decent wage with minimal outgoings and plenty of promotion chances - to go into a week economy to a low paid job and no housing. but thats just me (rose tinted maybe as Im in my 23rd year serving).0
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