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Military Relocation Packages

CAF Packages for our DND Postings!

Your relocation package will consist of three components Core, Custom, and Personalized.

  • The Core component covers items that are considered essential for your move such as the cost to sell your existing property or dispose of your rental unit, the cost of your House Hunting Trip (HHT), etc.
  • The Custom component cover items that enhance your moves such as marketing incentives on your existing property to help it sell, bridge financing, and costs associated with your extended family.
  • The last component is non-essential but attributable to your moves such as a Movement Grant, Posting Allowances, and others.

Below is a description of the components, some examples of what each covers, and what happens if they are not used.




Core Component


Core benefits are essential to a move. All core benefits are funded directly by the Department. A member is not required to use these benefits, however, any unused benefits cannot be exchanged or assigned any monetary value to pay for any other benefits or expenses.

Examples of items covered

  • Disposal of your rental unit. Pay for getting out of a lease
  • Pay for costs to sell your residence, all real estate commissions, and legal fees, etc, mortgage breaking penalties, home equity assistance
  • Costs associated with your house hunting trips such as travel and hotels
  • The cost to purchase a new house including legal fees, inspections
  • The cost to move such as moving expenses, and travel costs
  • Much more. Ask your IRP rep for more details.

Custom Component


Custom benefits enhance a move. Custom funding is based on the factors of the type of accommodation, distance traveled, and family size. The custom funding formula is used by the member to pay for these custom benefits only and cannot be used for any other type of benefit.

Examples of items covered

  • Building Inspection on your existing property
  • Marketing Incentives such as decorating allowances, early closing incentives
  • The cost to have someone take care of your children on HHT
  • Dependant and Extended Family Travel
  • Bridge Financing
  • Interest on $25,000 Home Relocation Loan
  • Miscellaneous Expenses for Extended Family such as transportation, lodgings, meals, and miscellaneous expenses
  • Car rental when primary vehicle shipped
  • Shipment of – Second Vehicle, Pets, Boats, Antiques, Artwork, RV’s, Trailers
  • Miscellaneous Shipping Expenses
  • Spousal Employment Search expenses

Personalized Component


Personalized benefits are non-essential expenses but are attributable to a move It is within the member’s discretion to use personalized benefits. The personalized funding formula is available for use in three ways:

  • it can pay for any personalized benefits;
  • it can pay for additional custom benefits beyond what can be covered by the custom-funding formula; and
  • remaining funds can be cashed out and paid directly to the member.

Examples of items covered

  • Movement Grant: Members receive a non-accountable grant in the amount of $650. This allowance is intended to offset various losses or expenses incurred but not specifically provided for because of the move. Members must sign a statement verifying that these expenses were incurred. Receipts are not required.
  • Posting Allowance: Members who elect not to sell their home receive an incentive equal to 80% of the pre-negotiated corporate real estate commission rate based on the appraised value of the home. It shall not exceed $12,000. Members can generate Personalized Funding as a result of savings on a house-hunting trip. These savings can occur in one of two ways:
    • Shortened HHT
    • CF Service Air

If you have questions about your relocation move to our great city, feel free to reach out to us anytime. Book your House Hunting Trip With us Today!

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How to get Mortgage Pre-Approvals

Depending on who you have chosen, for your Edmonton Realtor, the brokerage may have several in-house mortgage brokers or you can make an appointment with your current financial institution with a mortgage specialist.



A mortgage pre-approval is the mortgage underwriting approval process, which consists of gathering all necessary paperwork, prior to house shopping. This paperwork will consist of the last two years of your T4's or last 3 years if you are self-employed, most recent paystub, confirmation of downpayment and closing costs, all debts including support payments, charge card debts and vehicle payments, other income, and any other relevant documentation.


Once all of the paperwork is gathered, it is sent to the underwriter who will review it, check your credit and take into consideration any other factors which will affect your debt ratios.

STEP BY STEP PROCESS IN HOME BUYING


REAL ESTATE TIP: When you have completed your pre-approval process, this does not guarantee you will be approved for your home. If anything changes or if a "surprises" arrives prior to possession of your new home, your financial institution can still pull your mortgage pre-approval.


If you are putting less than 20% down you will need to pay a CHMC Fee. This is an insurance fee for your financial institution and can be rolled into your mortgage. Rule of thumb. The higher your down payment, the lower the CHMC Fee.


If your credit is border-line, it is great to have a mortgage broker who has personally met you and is willing to vouch for you to the underwriter if needed. All mortgage lenders have, at least internally, a turn time." That is simply the time from submission to underwriter review and their decision. The turn time can be affected by a number of factors big and small. However, if you go to a big bank you can expect a more lengthy approval process and may not make your condition deadline. It is what they do. Let your agent know whether you are using a mortgage broker or someone at your financial institution.


Once the underwriter has had time to review the documents, they will typically issue one of three dispositions - approved, denied or suspended - to your application. If approved underwriting will typically assign a set of conditions you will need to clear to obtain full approval. Clarification on a late payment, a large deposit, past life transgression or simply a missed signature here or there is normal requests. If suspended, which is not completely unusual, underwriting is confused and needs clarification on something.

RECEIVE A FREE MORTGAGE PREAPPROVAL TODAY

REAL ESTATE TIP: Once you have approval from your bank, ask them to send you and your real estate agent something in writing and remove your finance condition. Congratulations, you are now a real homeowner.

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Posted to CFB Edmonton Garrison?

Welcome to Edmonton Canadian Armed Forces Base

CFB Edmonton Garrison is also known as the "Steele Barracks". It is located a few minutes north of Edmonton in Sturgeon County and there are plenty of homes to choose from on your house hunting trip from no-maintenance condominiums for a simpler lifestyle to newer houses that have recently been constructed over the last few years to quiet family-oriented properties with large lots in nearby towns. Book your Edmonton House Hunting Trip.


Edmonton Military Postings


Morinville Alberta has always been an attractive place for our DND members to purchase a detached home due to the house prices and the commute to CFB Garrison. Morinville is a growing community and over the last few years has become more popular for civilians and our aging population which has increased real estate values. It is located less than ten minutes from St. Albert which is now the second-largest city in the Edmonton Metropolitan Region.


There are still a few nearby towns that are more affordable for our younger military members and their families offering the small rural hometown ambiance. These towns include Bon Accord, Gibbons, and Legal. A bit further northwest of our city is another desirable place for our DND members to purchase property on house hunting trips in the city of Fort Saskatchewan which offers all municipal amenities. One of the main features of Fort Saskatchewan is one of the largest metropolitan river valley park systems in the world.


If you prefer the city life but want to stay within minutes of our military base, view our homes for sale in Northeast Edmonton or add a few more minutes to your commute and live in Northwest Edmonton. Popular military districts include Pilot Sound and the Lake District.


If you are posted to CFB Edmonton and would like a jump start on your house hunting trip, contact us and we will set you up with a customized property search that will save you time and eliminate those undesirable houses once you arrive.


Posted to CFB Garrison? Book your HHT today with an Edmonton BGRS approved Realtor for your Edmonton relocation move.

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