Just going through the process of obtaining a mortgage myself and one of the things we needed to be absolutely clear about was the nature of the Terminal Grant - that this was not part of a pension fund (and therefore would not be a factor in the ongoing payments of pension from the IRP).
A couple of other things that we have learned that I am sure others will back-up include the fact that getting an interest-only mortgage for buy-to-let (even if the intent is to occupy in the longer term) is not likely to be possible when only one member of the partnership/marriage is in the Services. However, when both applicants are members of the Service this may well be possible. I don't really understand the logic of this.
Terms and conditions do vary from company to company of course.
STH