BGRS can only provide you with services once all of the following steps have been completed::

• you have received your posting message / release paperwork; and
  

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• the CAF has provided BGRS with the authorization for your move; and
• you have created an account with BGRS – your posting message / release paperwork will have instructions on how to complete this step; and
• you have entered the details of your posting message / release paperwork and found a system match with an authorization provided by the CAF; and
• you have completed the Preliminary Relocation Assessment (PRA)

Until all of these things have been completed, BGRS is not authorized to provide relocation services.

If you have received your posting message / release paperwork and are authorized a move with BGRS, please note there can be a delay of up to 5 business days between the time the posting message / release paperwork is issued and the time a file is authorized with BGRS. We look forward to assisting you once we receive your file.

Please contact your Career Manager / Release Centre, as BGRS cannot provide any relocation services until you have an active move file. While you wait, you can start familiarizing yourself with the relocation process by:

• Reading the CAF Relocation Directive (CAFRD)
• Downloading the APS 21 Relocation Assistance Document
• Reviewing the CAF Relocation Program Overview

Please note, you should not make any financial commitments until you have received your posting instruction / release message.

The first step is to create an account with BGRS (or log in to your account if you already have one). Your posting message / release paperwork will have instructions on how to do this.

Once you have an account, you will be asked to enter the details of your posting message / release paperwork to see if the system can find a match. If the system cannot find a match, please keep in mind it can take up to 5 business days for your file to be authorized by the CAF. Once you have found a match, and completed the PRA, our system will guide you through your next steps.

The first step is to create an account with BGRS (or log in to your account if you already have one). Your posting message / release paperwork will have instructions on how to do this.

Once you have an account, you will be asked to enter the details of your posting message / release paperwork to see if the system can find a match. If the system cannot find a match, please keep in mind it can take up to 5 business days for your file to be authorized by the CAF. Once you have found a match, and completed the PRA, our system will guide you through your next steps.

First, please verify that the information you have entered is exactly as it is found on your posting instruction / release message. For example, although your name may be spelled incorrectly on your posting instruction / release message, the CAF will have provided BGRS with this same information. In order to initiate your registration on the Member Secure Website (MSW), you must enter your name (and all other information) exactly as it is found on your posting instruction / release message. Depending on the issue, the CAF may have to make a correction before you are able to proceed. If a request to have your file reactivated has already been sent by your CAF Coordinator, please ensure you include the “!” at the end of your move number. In all other cases, please contact your CAF Coordinator to investigate the issue as it is likely BGRS has not yet received the file authorization from the CAF.

The PRA is a form you must complete once you have received your posting message / release paperwork and matched with a file authorization in our system.

During the PRA, you will be asked to provide essential information regarding your family size, intentions, and other important details. This information can be updated/modified as you go through your relocation in order to ensure BGRS has all the information we need to customize the information we are providing to your situation.
BGRS is only able to provide relocation services after you have completed and submitted your initial PRA.

Please ensure all mandatory fields have been completed. Mandatory fields will be marked with an asterisk (*).

It can take up to 5 business days for BGRS to receive your file authorization from the CAF. Please try to complete your PRA again once this timeline has been met. Once a match occurs our system will walk you through the PRA process and guide you through your move.

Please ensure that your PRA has been submitted and not only saved as a draft. Once you have submitted the PRA, an auto-generated email with instructions from BGRS is sent to the email address associated with your username. Please check your junk or spam folder to ensure that it was not received and treated as junk or spam.

You will choose your username and password when you create an account. Once you have successfully created an account and found a match to your posting message / release paperwork, you will have full access to all the information and tools BGRS has created to assist with your move.
If you are unable to find a match, please keep in mind it can take up to 5 business days for your file to be authorized by the CAF.

Your secure website has all the tools and information you’ll need to self-serve throughout the course of your move. We understand, however, that there will be times when you need to speak to a relocation agent with BGRS.

BGRS is only authorized to provide assistance for your move once the CAF has authorized a file in our system and you have completed your PRA. Once you have elected your release location with the CAF, they will request a file be authorized for you.

BGRS is your first point of contact for all move questions however; each Base / Wing has one or more CAF Relocation coordinators who are responsible to assist CAF Members with their questions. If you are uncertain who the CAF coordinator is for your area, please contact your orderly room.

BGRS invites suppliers such as appraisers, home inspectors, lawyers, notaries, rental search agents, and realtors® / brokers to join our supplier directory. To join, those suppliers must agree to certain service levels as well as maximum ceiling rates.

It is your choice to decide if you want to use a supplier from the directory, or not. If you choose to use a supplier that is not in the directory and they charge you above the maximum ceiling rates, you are responsible to personally cover the additional expenses.

Our office is open Monday to Friday from 8:00am to 8:00pm Eastern time (excluding holidays).

If you require any assistance in regards to your relocation, please contact us at: info@bgrs.ca

Discover the Benefits of a Pre-Approved Mortgage

Unlock the door to your dream home with a pre-approved mortgage, offering you peace of mind and financial security. A pre-approved mortgage provides a locked-in interest rate from a lender for a specified period, typically up to 120 days, and for a predetermined amount. This personalized pre-approval is based on your provided information and is conditional upon meeting certain criteria before finalization, such as written employment verification and a down payment sourced from your own funds.

Why is a pre-approved mortgage essential? For starters, it empowers you in your home search journey. Savvy real estate professionals prioritize clients with pre-approved mortgages, ensuring they guide you towards properties within your budget. By having your financing pre-arranged, you can confidently explore homes knowing your affordability range.

In essence, obtaining a pre-approved mortgage marks a crucial initial step for any prospective homebuyer. Start your home buying journey on the right foot – secure your pre-approved mortgage today!

Learn more about Military Mortgage Options

Getting a Mortgage with only 5% down

Yes, in Canada, it’s possible to obtain a mortgage with a down payment as low as 5 percent. This option is often available through the Canadian Mortgage and Housing Corporation (CMHC) or other mortgage insurers. However, there are some factors to consider:

1. Mortgage Insurance: With a down payment of less than 20 percent, you’ll typically need to purchase mortgage default insurance, which protects the lender in case you default on your payments.
2. Premiums: Mortgage insurance premiums are based on the loan-to-value ratio and can add to your overall mortgage costs.
3. Qualification Criteria: Even with a 5 percent down payment, you’ll still need to meet the lender’s qualification criteria, including income verification, credit history, and debt-to-income ratio.
4. Interest Rates: Mortgages with lower down payments may have slightly higher interest rates compared to those with larger down payments.

Overall, while a 5 percent down payment can make homeownership more accessible, it’s essential to weigh the costs and consider your financial situation carefully before proceeding.

Understanding Mortgage Term Lengths: A Guide for Homebuyers

When it comes to mortgages, the term length can significantly impact your financial strategy. Mortgage terms vary widely, ranging from six months to 10 years. As a general rule, shorter terms typically offer lower interest rates, while longer terms come with higher rates.

While many homebuyers opt for four or five-year mortgages, it’s essential to consider your unique situation. If you’re comfortable with risk or hesitant to commit long-term, a short-term mortgage might be suitable. Here are some questions to help guide your decision:

1. Short-Term Plans: Are you planning to sell your house soon without purchasing another? If yes, a short mortgage term could be the best fit.

2. Interest Rate Outlook: Do you believe that interest rates have hit their lowest point and are unlikely to decrease further? If so, a long mortgage term might be preferable. Conversely, if you think rates are currently high, a short to medium term could be advantageous, hoping for rate drops by the end of your term.

3. Security for First-Time Buyers: Are you a first-time homebuyer seeking stability? Opting for a longer mortgage term can provide security, allowing you to budget and manage your monthly expenses effectively.

4. Risk Tolerance: Are you comfortable closely monitoring interest rates and accepting potential increases in mortgage payments upon renewal? If so, a short mortgage term may align with your preferences.

By answering these questions and considering your financial goals, you can select a mortgage term that best suits your needs and preferences. Make an informed decision to pave the way for a successful homeownership journey.

1. What types of mortgages do you offer? Understand the various mortgage options available, such as fixed-rate, adjustable-rate, FHA, VA, or conventional loans.
2. What is the interest rate, and is it fixed or adjustable? Clarify whether the interest rate will remain constant throughout the loan term or if it’s subject to change.
3. What are the closing costs? Inquire about all fees associated with obtaining the mortgage, including origination fees, appraisal fees, and title insurance.
4. What are the down payment requirements? Determine how much you’ll need to pay upfront and whether you qualify for any down payment assistance programs.
5. What are the terms of the loan? Understand the duration of the loan (e.g., 15 years, 30 years) and any prepayment penalties or balloon payments.
6. What are the total monthly payments, including taxes and insurance? Get a clear picture of your overall monthly expenses related to the mortgage.
7. What documents are required for the application process? Gather information about the documentation needed to apply for the mortgage, such as income verification, employment history, and credit reports.
8. What is the loan approval timeline? Understand how long it will take to process your application and receive loan approval.
9. What are the qualifications for the loan? Determine the minimum credit score, debt-to-income ratio, and other eligibility requirements.
10. Are there any special programs or discounts available? Inquire about any special mortgage programs or incentives offered by the lender, such as first-time homebuyer programs or discounts for certain professions.
11. What happens if I miss a payment? Understand the consequences of late payments, including potential fees and impact on your credit score.
12. Can I lock in the interest rate, and if so, for how long? Determine whether you have the option to lock in the current interest rate and for what duration.

By asking these questions and seeking clarification on any uncertainties, you can make a well-informed decision when obtaining a mortgage.