DND Transfer

Important Information for Canadian Military Relocations & Mortgage Planning

Relocation Update
BRGS introduced important updates to the relocation program effective December 1, 2017. Review the full details here:
View Relocation Updates

Military Mortgage Expertise
Posted to or from CFB Trenton or another base in Canada? Mortgage planning during a relocation involves more than just rates. Key considerations include portability, prepayment options, penalties, and interest rate strategies.

Canadian Military families often face unique challenges due to unpredictable moves. Having the right mortgage and advice can make the process significantly less stressful.

Why Work With Craig Nickerson – Simpligo
Craig Nickerson has helped hundreds of military families successfully navigate relocations. With flexible solutions including up to 30-year amortizations (25 years for insured mortgages), 120-day rate guarantees, and low down payment options, most mortgage needs can be accommodated.

In many cases, mortgage approvals can be completed in under 24 hours—often allowing financing conditions to be waived quickly. Evening and weekend appointments are available to fit your schedule.

How a Mortgage Broker Can Save You Money
Studies show borrowers working with mortgage brokers save an average of 0.4% compared to dealing directly with banks.

Example:
A $200,000 mortgage at 3.19% = $946/month
A $210,000 mortgage at 2.79% = $946/month

That lower rate can increase your purchasing power without increasing your monthly payment.

Military Relocation Packages Explained
Relocation packages are divided into three components:

Envelope 1 – Core
Essential, fully funded benefits including:
• Selling costs (commissions, legal fees, mortgage penalties)
• House Hunting Trip expenses (travel, hotels)
• Purchase costs (legal, inspections)
• Moving expenses and transportation

Envelope 2 – Custom
Enhancements to your move based on family size and distance:
• Home inspections
• Marketing incentives
• Childcare during HHT
• Bridge financing
• Travel for dependents and extended family
• Shipping (vehicles, pets, boats, etc.)

Envelope 3 – Personalized
Flexible, non-essential benefits including:
• Movement Grant ($650)
• Posting Allowance (up to $12,000)
• Additional custom benefits or cash payout options

Contact Information
Craig Nickerson
Mortgage Broker – Simpligo
Phone: (613) 394-5810