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Military Relocation

In Canada, military relocation typically involves members of the Canadian Armed Forces (CAF) undergoing a posting or transfer to a new duty location, whether domestically or internationally. This process, managed under the Canadian Forces Integrated Relocation Program (CFIRP), ensures service members and their families receive support to minimize stress and streamline transitions.

Key elements of Canadian military relocation include:

  1. Relocation Services: The CFIRP offers personalized assistance, including guidance on moving expenses, housing options, and travel arrangements, ensuring members meet regulatory requirements.
  2. Third-Party Support: Brookfield Global Relocation Services, the primary relocation contractor, assists CAF members in navigating the logistical and financial aspects of their move.
  3. Housing and Community: CAF families often access resources like the Canadian Forces Housing Agency (CFHA) for housing solutions and support integrating into new communities.
  4. Spousal and Family Support: Military Family Resource Centres (MFRCs) provide counseling, childcare, and employment services to help families adjust during relocations.
  5. Tax and Expense Claims: CAF members can claim eligible moving expenses as per the Income Tax Act, adding financial relief during the transition.

Canadian military relocation focuses on supporting the unique needs of CAF members, ensuring their moves are efficient and that their families are well-prepared for new environments.

Moving can be tough, especially when you’re in the military or RCMP. It’s like your life is being picked up and moved to a whole new place, often with little notice. But don’t worry, there’s help available to make buying a home during a military move a lot less stressful.

Getting Ready for Your Move:

  • Start planning early. As soon as you hear you’re moving, get started. Don’t wait until the last minute.  Rear our Moving Tips Guide
  • Get your mortgage sorted. Before you go house hunting, get pre-approved for a mortgage. This will help you move quickly when you find the perfect place.
  • Talk to BGRS. Keep in touch with Brookfield Global Relocation Services (BGRS). They are there to help you with your move.
  • Know what you want. Think about what kind of house you need and what you can afford. Talk with your family to make sure everyone is on the same page.
  • Set a budget. Figure out how much you can spend on a house and stick to it. Be sure to think about monthly costs, such as gas for your car.
  • Plan your house hunting trip (HHT). This is a special trip for you and your spouse to go to your new location to find a home. This trip is really important to get settled in.

Your House Hunting Trip (HHT):

  • Timing is key. Plan your HHT about two to three months before you have to move.
  • Make the most of your time. Look at as many houses as you can and don’t be afraid to negotiate with the sellers.
  • Don’t forget an inspection. Schedule a professional inspection of any place you’re thinking of buying.
  • You have help with the costs: The Canadian Armed Forces Relocation Program (CAFRD) provides money for your HHT. They can help pay for your trip, meals and place to stay.
  • Talk to a local realtor beforehand. They can help you figure out what you need and give you some ideas before you even leave for your HHT.  Read more about House Hunting Trips

Finding the Right Real Estate Agent:

  • You need two agents. One agent helps you sell your old house, and another helps you find a new one..
  • Find a military expert. Some agents are specially trained to help military families move. They are called “Military Relocation Professionals“.
  • Choose local agents. Pick agents who know the area well and the kind of home you’re looking for.
  • Look for BGRS-approved agents. If you pick an agent from the BGRS directory, you know they are trustworthy and understand military moves.
  • Ask around. Ask your friends and family if they know a good real estate agent.
  • A good agent is worth their weight in gold. They will know the local market and help with the HHT. They can also help you find lawyers and home inspectors.

Money Matters:

  • You get money to help with moving. The Canadian Armed Forces Relocation Directive (CAFRD) provides different types of money to help with all the costs of moving.
  • Core benefits are for things like paying real estate agents, lawyers, and for inspections.
  • Custom benefits help with things like hotels, food, and moving your stuff.
  • Personalized benefits includes a special grant and some money to help with buying a new place.
  • Temporary Dual Residence Assistance (TDRA) may be available if you have to pay for two homes at once.
  • Talk about your mortgage. Make sure to talk to a mortgage person who understands the military. They can help you avoid fees if you have to move again.

Selling Your Old Home:

  • Start early. Begin the process of selling your home before you leave for your HHT.
  • Sell quickly. Work with your agent to sell your old home fast.
  • Get your home ready. Start getting your home ready for sale even before you get the official news that you’re moving.

Extra Tips:

  • Get a home inspection. Make sure you have the water and air quality checked at your new place. Sometimes, this is needed to get a mortgage.
  • Use checklists. Checklists can help you keep track of everything you need to do.

By planning carefully, knowing what benefits you have, and having good people help you, moving to a new home during a military move can be a smooth process. Remember, you’re not alone, and there are lots of people who understand what you’re going through and are there to help.