Meet Mary Lou Cote, the Military Relocation Realtor for all your Gatineau Real Estate needs and requirements. Quartiers and neighbourhoods in Aylmer Quebec know everything you there is to know QC
Military and governmental Relocation – Ottawa / Gatineau Transfer. Contact your specialized Real Estate Broker in military and governmental relocation. As a ex-military I know very well the sacrifices and stress that can cause due to a governmental transfer. As a authorized member of the Brookfield relocation, I will be able to guide you along the way of your house trip search (HTS) or House Hunting Trip (HHT), while respecting the multiple constraints related to your move such as limited time and your families needs regarding a home.
Whether you are looking for a new place to call home, downsizing, or wondering what your current home is worth, Mary Lou Cote is ready to help. Mary Lou understands the local market and has a proven track record of selling homes for top dollar.
Pour la plupart des gens, leur maison sera l’investissement individuel le plus important. Découvrez la valeur de votre investissement avec une évaluation du marché sans.
Mary Lou is a registered BGRS Military Relocation Specialist and is your Local Gatineau Military Relocation Realtor. Mary Lou can help you find your new home that is just right for you family or enable you to sell your existing home realizing its full market potential putting more money in your pocket.
Contact Mary Lou Cote
Cell 819-712-2557
Gatineau, Quebec J8Y6T1
Now that you have received your posting instruction
Under Compensation and Benefits Instructions (CBI) Chapter 208
Refer to Compensation and Benefits Instructions (CBI) Chapter 208 and contact your orderly room staff for more information.
Under the Canadian Forces Integrated Relocation Program (CFIRP)
Step 1: Posting instructions
Your posting instructions will include important information about your new place of duty, change of strength (COS) date, and relocation benefits.
Step 2: Authorization
The Director Relocation Business Management (DRBM) will approve your eligibility for a move of dependents as well as household goods and effects (HG&E). Then DRBM will advise BGRS of your eligibility.
Step 3: Member registration
Pre-register with the BGRS service provider when you receive your posting message. It may take up to five days to authorize your file after receipt of your posting message. You must register within 21 days of receiving your posting message.
For posting instructions dated prior to November 30, 2017, registration must be completed on the BGRS Integrated Relocation Program website.
For posting instructions dated December 1, 2017 or after, registration must be completed on the BGRS Guide website.
For more information about pre-registration, self-registration, and preparing for your first planning session, review the BGRS FAQs and the BGRS Welcome Booklet.
Step 4: Completion of preliminary relocation assessment
Once you have completed your member registration with BGRS, you can complete the preliminary relocation assessment on the BGRS website.
Step 5: Navigate your Move Profile video
To learn more about postings under the CFIRP, review the Move Profile video on the BGRS website.
Step 6: Schedule a planning session
A number of relocation service delivery improvements were introduced on April 1, 2019:
- Members have a half-day for an individual planning session with BGRS within five business days of registration.
- During the planning sessions, the BGRS service provider describes the fundamentals of the relocation process, website navigation, and answers any questions or concerns.
- The BGRS service provider can provide further information sessions on your House Hunting Trip (HHT), transport to the new location, claim finalization, or other topics as required.
For more information on the changes to relocation services, review The Maple Leaf article entitled Know Your Benefits – Improvements coming for CAF relocation services and consult the CANFORGEN 039/19.
Get briefed by Canada Revenue Agency on taxable benefits, and what these benefits may mean for your income taxes.
Note: Effective April 19, 2018 (CANFORGEN 126/18), relocation benefits now allow service couples the option to split HG&E and to relocate independently when posted to two different places of duty.
You are now ready to plan the next steps of your posting. This may include a HHT, the sale of your current principal residence, the purchase or lease of a principal residence at your new posting, and planning your move.
Leaving your current principal residence
If you are a tenant, review your lease in order to understand your responsibilities when you leave the property.
If you are renting outside the base or wing, check your lease to find a lease-breaking penalty clause. Article 7.03 of the Canadian Forces Integrated Relocation Program (CFIRP) Directive deals with rent or lease liability.
If you live in a military residential housing unit, read the information in the “Moving-out” section of the Canadian Forces Housing Agency (CFHA) Occupant’s Handbook.
Selling or buying a house
Note: If you are selling your home, ask your BGRS service provider about the benefits of obtaining an appraisal, the process, and key dates to consider. Learn about the costs and benefits of home appraisal by reading Article 8.2.05 of the CFIRP Directive.
Ask your current financial institution about how to avoid mortgage-breaking penalties and the possibility of waiving penalties based on your military posting.
- The Mortgage Early Repayment Penalty (MERP) has been re-established effective April 19, 2018. It may now be reimbursable. For more information, refer to Article 8.2.06 of the CFIRP Directive.
- Mortgage Default Insurance (also called mortgage loan insurance, CMHC insurance, or CMHC fees) has been re-established effective April 19, 2018. This insurance may now be reimbursable. For more information, refer to Article 8.3.10 of the CFIRP Directive.
- A new minimum qualifying rate or stress test for uninsured mortgages involving a down payment of 20 per cent or more came into effect in January 2018. For more information, review the stress test and mortgage scenarios as described on ratehub.ca.
The following changes came into effect on April 1, 2019:
- BGRS is now responsible for paying participating third-party service providers (TPSP) for fees involving home inspections, legal fees, appraisals, and real estate commission and rental search assistance fees.
- Members can opt to use non-participating TPSP who are not listed in the directory. In these cases you will be required to pay the TPSP upfront and then claim the reimbursement.
For more information on the changes to relocation services, review The Maple Leaf article entitled Know Your Benefits – Improvements coming for CAF relocation services and consult the CANFORGEN 039/19.
If you have difficulty selling your house
Discuss the possibility of an Imposed Restriction with your chain of command. This is a temporary measure which allows you to proceed to your new place of duty while your family stays in your current house. Your chain of command must support your request, and the approving authority is your career manager. For more information on Imposed Restriction, consult page 17 of A Family Guide to the Military Experience.
NEGLECTING THE INSPECTION, A CHOICE THAT CAN COST YOU DEARLY
Neglecting the inspection, a choice that can cost you dearly
It is known that the purchase of a new property often comes with its share of worries. Not to mention that the costs add up quickly, between appraisers, inspectors and other taxes and insurance of all kinds which will be added to the notary’s bill.
As a savvy shopper, you want to save money where possible. Either. Who could blame you? That said, neglecting the building inspection or succumbing to the temptation of the lowest price can have disastrous consequences on your wallet.
Building inspection: an activity that would benefit from being supervised
If your real estate broker has the obligation, according to the Real Estate Brokerage Act which governs its practices, to recommend that your future property be inspected by a professional or an inspector in buildings that meets very specific requirements, is that not all of them respect the same standards.
Lack of supervision, non-existent standards of practice or conduct and lack of uniformity in ways of doing things are still commonplace today. A situation which should no longer be accepted, according to the Organisme d’autoréglementation du courtage régional du Québec (OACIQ).
“In the current context of the revision of the Real Estate Brokerage Act, the OACIQ is drawing the government’s attention to the need to regulate building inspections, which are decisive in many transactions. » underlines Nadine Lindsay, president and CEO of the organization.
Because the adequate identification of potential problems allows the buyer to form a solid opinion regarding the price to offer, and even the desire to maintain or cancel the promise to purchase.