Cohabitation and long-term relationships (LTR) in Service accommodation

Overview

If you are in a long-term relationship but not married or in a civil partnership, there are some circumstances where your partner can be recognised within Service policy. 

This is through Long-Term Relationship (LTR) status, and where certain criteria are met, an Established Long-Term Relationship (LTR(E)). 

Recent changes mean that some allowances are now available to those in LTR(E). However, access to Service Family Accommodation (SFA) remains more limited and is still developing. 

Contact details of the various agencies which can support you can be found at the end of this page.

Contents

01   What is a Long-Term Relationship (LTR)?

A Long-Term Relationship (LTR) is a relationship that has been established over time, usually for at least 12 months. 

You will be expected to provide evidence of your relationship. This may include: 

  • Joint financial commitments 
  • Living at the same address 
  • Responsibility for children 

An LTR on its own does not provide access to SFA. 

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02   What is an Established Long-Term Relationship (LTR(E))?

An Established Long-Term Relationship (LTR(E)) is when your relationship has been formally recognised and recorded on your JPA record. 

To be recognised as LTR(E), you must: 

  • Meet the required criteria 
  • Provide supporting evidence 
  • Normally demonstrate a relationship of at least 12 months 

Once registered, LTR(E) status is used when considering eligibility for some accommodation policy areas and allowances 

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03   Cohabitation and eligibility

To be considered for cohabitation in Service accommodation, you will usually need to: 

  • Be registered in an Established Long-Term Relationship (LTR(E)) 
  • Meet any relevant service criteria 
  • Provide the required evidence 

In most cases, this provides eligibility only and not entitlement to SFA.

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04   Evidence requirements

You will need to show that your relationship is established and ongoing. 

Examples of evidence include: 

  • Joint tenancy or mortgage documents 
  • Shared household bills 
  • Evidence of financial commitment 
  • Children or dependants 

If you cannot provide the full evidence: 

  • You may register your relationship with Unit HR 
  • You may be able to qualify after a further 12 months 
  • In some cases, your Chain of Command can submit casework on your behalf  

The MOD has a list of criteria defining an established LTR. You will need to be able to provide enough evidence of your established relationship of 12 months or more. 

You will need to show either one piece of evidence from Section A, or two from Section B  AND  one from Section C – see below.

If you’re struggling to provide the evidence needed, then the serving person can register your relationship with their unit admin team, so you can qualify after a 12-month period following that registration. For more information on how the process works, the serving person can access  2026DIN01-057 – Recognition of an established Long-Term Relationship (LTR(E)). 

Case work should be submitted to People-AFFS-LTR-Casework@mod.gov.uk 

How are children recognised? 

Children will still need to be registered as part of the serving person’s PStat Cat. Children can be registered at the same time as an LTR when applying. If the children are solely of the non-serving partner and not the serving person, then the serving person will need to prove an established relationship. 

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Requirement 

Evidence that you and your partner are joint parents of shared children. This evidence does not need to be more than 365 days old. 

Detail 

Proof of parental responsibility 

  • A birth certificate showing the names of both partners. 
  • Proof of adoption showing the names of both partners. 
  • A birth certificate and proof of adoption court order (if you have adopted your partner’s child, or vice versa). 

Requirement 

Evidence of your child-related / financial / domestic / legal / other commitment to each other. This evidence must be more than 365 days old. 

Detail 

Child-related commitments 

  • Proof that your partner acts as carer for your child/ren during periods of absence from your home that are directly attributable to your service in the Armed Forces. 
  • Proof that you accept financial responsibility for your partner’s child/ren, or your partner accepts financial responsibility for your child/ren. 
  • Proof that you and your partner foster a child/ren together. 

Financial commitments 

  • Mortgage or Tenancy documents showing joint ownership or rental of a property. 
  • Joint bank account. 
  • Proof of financial support to the other partner. 
  • Transferring of funds between partners. 
  • Loan documentation for major assets such as homes, cars, or major appliances in both partners’ names. 

Domestic commitments 

  • Proof that both partners’ names are on the Electoral Roll at a shared address. 
  • A Council Tax bill for the same property in joint names. 
  • Utility bills in both names. 
  • Two separate utility bills (one in each partner’s name) that evidences the same address. 

Legal commitments 

  • Life Insurance that shows your partner as the beneficiary. 
  • The terms of your wills. 
  • Proof that you have granted Power of Attorney to your partner. 
  • Armed Forces Pension Scheme (AFPS) Benefit Information Statement (BIS) as the recipient of the Death Benefit Lump Sum. 
  • Other legal documents (e.g., car insurance that shows both as named drivers, home insurance which includes both names etc). 

Other commitments 

  • Partner listed as Emergency Contact on JPA. 

Requirement 

Current evidence of your enduring commitment to each other. This evidence must be less than 90 days old. 

Detail 

  • Any document listed in Section B above showing a date within the last 90 days. This is to demonstrate that the relationship continues to endure. 
  • The AFPS BIS is sent to all SP annually (shortly after their birthday). A second BIS can be requested throughout the year free of charge. 
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05   How to register LTR(E)

To ensure your relationship is recognised, you must: 

  • Register your LTR(E) on JPA 
  • Provide supporting evidence 
  • Have your application reviewed 

You should speak to your Unit HR for support with this process. 

Without JPA registration, your relationship cannot be considered under policy.  

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06   Housing and SFA entitlement

SFA is normally provided for Service personnel who are: 

  • Married, or 
  • In a civil partnership 
  • It is also available to those who are already recognised as PStat Cat 2, for example where there are recognised parental or caring responsibilities. 

If you are entitled under PStat Cat 2, you will normally be allocated SFA in line with your entitlement at your duty station. 

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If you are in an Established Long-Term Relationship (LTR(E)): 

  • You may be able to apply for surplus SFA 
  • Allocation is based on availability within a 50-mile radius of duty station 
  • There is no automatic entitlement to a property 

LTR(E) provides access to apply for surplus SFA only and does not in itself create entitlement. 

AFF would encourage anyone looking to take up the option to cohabit in surplus SFA to look to the future at the same time. 

There is currently no guarantee that there will be surplus SFA available at your next posting so it is a good idea to think about how your family will manage your accommodation needs going forward. 

Savings plans for a private rental or a house purchase could help you plan for the future. 

Prior to registering a Established Long-Term Relationship (LTR(E)) you will need to clarify your PStatCat. In some circumstances, where Service Personnel can properly be regarded as the centre of and prime mover in the life of the child they may be able to apply to be recognised as PStatCat 2 under JSP 752. 

It is important to note that once registered as being in an LTR(E) service personnel are to retain their existing PStatCat. Dual-serving service personnel in an LTR(E) are deemed to be PStatCat 1s and 5s as appropriate. 

 This may apply where: 

  • You have recognised responsibility for children 

If you are granted PStat Cat 2: 

  • You may become entitled to SFA at your duty station, rather than relying on surplus accommodation 

Applications are assessed on a case-by-case basis in line with JSP 752. 

If you think this may apply to you, you should speak to: 

  • Your Unit HR 
  • The Accommodation Service Centre (ASC), the AFF Money and Allowances Specialist – see Need help or advice

If you are already entitled to SFA (including under PStat Cat 2): 

  • You will normally retain your current entitlement and property size 

If you wish to apply for a larger property that is not within your entitlement: 

  • You would need to give up your entitlement rights 
  • You would then need to apply for surplus SFA 

This means: 

  • The property would be allocated based on availability 
  • There is no guarantee of allocation or retention 

You should seek advice before making this decision, as it may affect your long-term housing position. 

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07   Retention of SFA for LTR(E)

Under updated policy within JSP 464 JSP464Volum1UKAccommodationPolicy 3.8, there are circumstances where Service Personnel in an Established Long-Term Relationship (LTR(E)), who are already living in surplus SFA, may be able to apply to retain their property on posting. 

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This may apply if you: 

  • Are currently living in surplus SFA 
  • Have an LTR(E) recorded on JPA 
  • Receive a new assignment (posting) 

Retention allows you to: 

  • Remain in your current SFA property when you are posted for a specific time period up to a maximum of 12 months  
  • Avoid the need to move to a new location until a specific task is completed. 

Applications for retention are considered in line with JSP 464 and are not automatic. You must apply for and be granted retention prior to your new AO start date. Retention is not granted retrospectively.

You will need to meet the relevant criteria, which may include: 

  • Operational or service reasons 
  • Welfare or family circumstances 
  • Certain schooling or employment reasons 

All applications are assessed: 

  • On a case-by-case basis 

Retention for LTR(E) personnel represents a change in policy direction, but it does not create entitlement to SFA. Approval will depend on your individual circumstances and the availability of properties.

If retention is not approved, you may need to:  

  • Move to alternative SFA (if entitled), or 
  • Apply for surplus SFA at your new duty station 

If you think you may be eligible to retain your SFA: 

  • Speak to your Unit HR as early as possible 
  • Contact Pinnacle and the Accommodation Service Centre (ASC) – see Need Help or Advice?

Early engagement is important to ensure you understand your options before your assignment date.

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08   Allowances for LTR(E) personnel

From 1 May 2026, Service personnel in an LTR(E) can access several allowances that were previously only available to those who are married or in a civil partnership. To allow for this policy has introduced new terminology for how it classes relationships in certain respects for allowance purposes only. It has introduced two new definitions: 

  • Recognised Partner. A spouse, civil partner or partner in an established long-term relationship (LTR(E)) 
  • Recognised Partnership. Marriage, civil partnership or an established long-term relationship 

As a service person in a recognised partnership the widening of allowance policy now supports entitlement to the following allowances: 

  • Disturbance Expense 
  • Duty Travel 
  • Get You Home 
  • Home to Duty Travel 
  • HM Forces Railcards 
  • Longer Separation Allowance 
  • MOD-provided passports (for service travel) 
  • Movement and storage of personal effects 
  • Subsistence allowances  

If your LTR(E) is registered, you will generally be treated in the same way as married personnel for these allowances.  

What is not included 

  • Involuntary separation allowance in these circumstances 
  • Automatic entitlement to SFA 
  • Overseas accompanied status changes 
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09   Future policy and ongoing work

AFF is aware of work across Defence to improve accommodation for those in long-term relationships. 

Increasing SFA availability 

There is an intention to develop a more ‘bricks and mortar’ approach, increasing the size of the SFA estate. 

The aim is to: 

  • Improve availability of properties 
  • Enable those in LTR(E) to access SFA more easily in future 

However this will take time to achieve and in the short term while SFA are brought up to higher standards by refurbishment we may see a decrease in available SFA in the early years. 

Private Rental Allowance 

There are also discussions around introducing a Private Rental Allowance for those who cannot access SFA.  

These proposals are still being developed and are not yet confirmed policy. 

AFF continues to work to ensure that future MOD policy reflects the needs of modern families. 

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10   Overseas pilot and returning to the UK

A pilot scheme has allowed Service personnel in an Established Long-Term Relationship (LTR(E)) to be accommodated overseas in certain circumstances. 

From 22 January 2024 there was an accompanied established long-term relationship overseas pilot on two selected sites – the Falkland Islands and Sovereign Base Areas (SBA) Cyprus. It was originally scheduled to run from 22 January 2024 to 31 March 2025, but due to its success in Cyprus, it has been extended until March 2027. 

Furthermore, effective immediately, it has been extended to BATUS and some Global Defence Network (GDN) sites. 

To ensure families feel supported, a tailored allowance package is available for pilot participants. Since allowances depend on the assignment location and individual circumstances, Service personnel are encouraged to check specifics for their country. 

For policy please refer to updated Volumes 4 (Pilots) and 5 (Overseas Accommodation Policy) of JSP 464 (with country appendices and allowances) to clarify any queries. 

The MOD has produced a list of FAQs and a Sway with more information. 

While these pilots have supported some families to live together overseas, there may be differences in policy when returning to the UK. 

  • Access to SFA in the UK may not automatically continue on return 
  • You may need to reapply under UK SFA policy rules 
  • Entitlement will be assessed based on your circumstances at the time 

If you are affected by this: 

  • Cases are considered on a case-by-case basis 
  • Decisions are made in line with current (extant) accommodation policy 

If you are due to return to the UK, you are advised to seek early advice: 

For questions about individual circumstances, contact your base commander or the Overseas Bases team at UKStratCom-DirOB-HR@mod.gov.uk. 

For policy related questions, contact the Accommodation Support Cell People-Accom-ASC@mod.gov.uk 

This will help you understand your options and avoid gaps in accommodation. 

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11   Applying for SFA

To apply for SFA: 

  • Ensure your LTR(E) is recorded on JPA 
  • Complete the e1132 (self-preference form) 
  • Submit your application 

The Pinnacle Home Services Team will: 

  • Process your application NB there is no time line for surplus applications and we are aware of some families waiting for up to 12 months or more. In some areas there will not be any availability at all. 
  • Confirm eligibility 
  • Allocate accommodation where available  
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12   Need help or advice?

Pinnacle Home Services  

For help with SFA applications: 

  • UK: 0800 031 8628 
  • Overseas: +44 (0)161 605 3517 

Accommodation Support Cell 

From 8.30am to 4.30pm Monday to Thursday and 8.30am to 3.30pm on Friday.  

  • Phone: 0800 368 7406  

Unit HR / Chain of Command 

  • Support with LTR(E) registration 
  • Advice on PStat Cat status 
  • Casework submissions 

Army Families Federation (AFF) 

Key points to remember 

  • You must register LTR(E) on JPA 
  • You must provide evidence of your relationship 
  • You may now access expanded allowances (from May 2026)  
  • LTR(E) does not automatically entitle you to SFA 
  • You may be able to access surplus SFA only 
  • PStat Cat 2 may provide a route to SFA entitlement in some cases 
  • Overseas arrangements may not transfer to the UK 

Further changes are being developed but not yet confirmed 

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