DND Transfer

Important Information for Canadian Military Relocations & Mortgage Planning

Relocation Directive Update
The former Canadian Forces Integrated Relocation Program (CFIRP) has been replaced by the Canadian Armed Forces Relocation Directive (CAFRD), most recently updated effective April 1, 2026. Review the full current directive here:
View the Current CAFRD

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 penalties, mortgage default insurance, and how your new posting's timeline lines up with your closing dates.

Canadian military families often face unpredictable moves on short notice. Having the right mortgage strategy — and someone who understands the relocation directive — can make the process significantly less stressful.

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

In many cases, mortgage approvals can be completed quickly, often allowing financing conditions to be waived well ahead of your move. Evening and weekend appointments are available to fit your schedule.

How a Mortgage Broker Can Save You Money
Mortgage rates change often, and even a small difference adds up over the life of a mortgage. As a broker, I shop your mortgage across multiple lenders rather than offering just one bank's rate, which often means a lower rate and the same (or lower) monthly payment than going directly to your bank. Call or email for today's rates and what they'd mean for your specific move.

How the Relocation Directive Funds Your Move (CAFRD)
The CAFRD funds your relocation through two accounts — understanding both helps you plan your mortgage around your move, not the other way around:

Core Account
Covers your essential, fully-funded relocation costs, including:
• Legal fees on your sale and purchase (survey, deed transfer, title insurance, appraisal)
• Mortgage default insurance premiums when you use all your sale equity toward your new home
• Mortgage discharge penalties, up to the lesser of three months' interest or $5,000
• Bridge financing interest while you wait on sale proceeds
• House-hunting trip and moving expenses

Custom Account
A fixed, individually-calculated fund that tops up what Core doesn't fully cover, including:
• The remaining mortgage discharge penalty, up to six months' interest
• Mortgage default insurance in partial-equity situations, for renters, or for first-time buyers
• Second mortgage disbursement fees
• Home Equity Assistance (see below), if Core's cap is reached

Selling at a Loss? Home Equity Assistance (HEA)
If you have to sell your home for less than you paid, HEA can reimburse the difference — Core covers 80% of the loss up to $30,000, with Custom able to cover more if funds remain. I can help you understand how this affects your numbers before you list.

Mortgage Interest Rate Differential
If your new mortgage rate ends up higher than the one you're discharging, the directive can reimburse the difference, up to $5,000. This is exactly the kind of detail worth reviewing with your mortgage broker before you sign anything.

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