Defence Mortgage Solutions Team

09/15/2026

PLANNING TO APPLY FOR A MORTGAGE?

We’re seeing some lenders raise their credit-score requirements and tighten other credit guidelines for mortgage approvals.

That doesn’t necessarily mean you won’t qualify—but it does make lender selection and early planning increasingly important.

Mortgage approval is about more than the interest rate. Lenders can evaluate credit scores, payment history, debt levels, income, property type and overall application strength differently.

Before you begin shopping for a home, Defence Mortgage Solutions can provide a free consultation to:

✓ Review your current financial position
✓ Identify potential credit concerns
✓ Explain what lenders may be looking for
✓ Help you prepare before submitting an application
✓ Explore options from multiple lenders

A conversation today could help prevent surprises later.

📧 [email protected]
📞 1-833-608-2232

09/04/2026

SELLING YOUR HOME DURING A POSTING?

If you paid a mortgage prepayment penalty when your home was sold, remember to include it with your relocation claim.

The final penalty is normally shown on the lender’s mortgage payout statement, which can be found among the legal sale documents provided by your lawyer or notary after closing.

Under CAFRD 8.2.12, eligible CAF members may be reimbursed for a Mortgage Early Repayment Penalty when the applicable requirements are met.

Important: unlike the Mortgage Interest Differential, reimbursement of a mortgage prepayment penalty is a taxable benefit.

However, some lenders may waive the penalty for eligible CAF members relocating because of a posting. Choosing the right lender before your next move could make a significant difference.

Before submitting your claim:

✓ Review your legal sale documents
✓ Locate the lender’s mortgage payout statement
✓ Identify the penalty and related fees
✓ Confirm whether your lender offers a posting-related waiver
✓ Obtain written confirmation if your mortgage could not be ported

Reference: CAFRD 8.2.12 — Mortgage Early Repayment Penalties
https://www.canada.ca/en/department-national-defence/corporate/policies-standards/relocation-directive/cafrd/chapter-8.html

Want to know which lenders may waive prepayment penalties for CAF relocations? Contact Defence Mortgage Solutions for a free consultation.

📧 [email protected]
📞 1-833-608-2232

This directive contains information regarding the benefits and applicable funding available to relocate CAF members, their dependants (if applicable) and their household goods and effects ((D) HG&E).

08/26/2026

📌 CAF MEMBERS: DON’T MISS THIS NON-TAXABLE RELOCATION BENEFIT

Did the interest rate on your new mortgage increase after you sold your home and discharged your previous mortgage?

Under CAFRD 8.3.12, eligible members may claim the Mortgage Interest Differential from the Core Account, up to a maximum of $5,000.

Even better: this is a non-taxable benefit.

The calculation considers:

• The interest rate on your new mortgage
• The interest rate on your discharged mortgage
• The months remaining on your discharged mortgage
• The applicable mortgage principal

This benefit can be easily overlooked. Remember to include it when completing your relocation claims.

Reference: CAFRD 8.3.12 — Mortgage Interest Differential
https://www.canada.ca/en/department-national-defence/corporate/policies-standards/relocation-directive/cafrd/chapter-8.html

Questions about your mortgage or relocation benefits? Our team understands CAF relocations and would be happy to help.

📧 [email protected]
📞 1-833-608-2232

08/11/2026

We’re growing our remote team at Defence Mortgage Solutions!

We’re looking for experienced, commission-based mortgage brokers from across Canada who are veterans, military or RCMP spouses, or have a direct connection to the Canadian Armed Forces or RCMP communities.

Your lived experience and understanding of service-related pay, benefits, relocations and family life can help you make a meaningful difference for serving members, veterans and their families.

This remote opportunity offers flexibility, rewarding work and the chance to serve a community you know and understand.

Bilingualism is an asset, but not required.

Swipe through to learn more. To apply, email your résumé and a brief introduction to [email protected].

07/24/2026

💡 CAF Mortgage Tip

If you receive a VAC lump-sum payment and use it to make a lump-sum payment on your mortgage, you can ask your lender if they’ll reamortize your mortgage.

If they allow it, your payments can be recalculated based on your original amortization period and your new, lower mortgage balance. This could reduce your required mortgage payments and improve your cash flow.

Not all lenders offer this option, so it’s worth asking before making your lump-sum payment.

07/16/2026

💰 CAF Relocation Tip: Mortgage Interest Differential (CAF RD 8.3.12)

If your new mortgage rate is higher than the rate on the mortgage you paid out because of a CAF relocation, you may be eligible for up to $5,000 from your Core Account.

The reimbursement is calculated using:

((A − B) ÷ 100) × (C ÷ 12) × D

Where:
• A = Interest rate on your new mortgage
• B = Interest rate on your discharged mortgage
• C = Number of months remaining on your discharged mortgage term
• D = The lesser of:

The remaining principal on your discharged mortgage, or

The principal on your new mortgage

📄 To support your claim, you'll typically need:
• Your mortgage payout statement from your origin home.
• Your mortgage commitment for your destination home.

These documents are usually included in your legal closing package.

Reference: CAF Relocation Directive 8.3.12 – Mortgage Interest Differential (maximum reimbursement of $5,000from the Core Account).

Have questions about your relocation benefits? We're always happy to help CAF members understand their entitlements and maximize the benefits available to them.

07/03/2026

💡 Did you know? Your mortgage renewal can be an opportunity—not just a renewal.

Many homeowners use their renewal to:
💳 Consolidate high-interest debt
🏡 Complete home renovations
💰 Access their home's equity
🔄 Change lenders
📉 Restructure their mortgage to better fit their current financial goals

Before accepting your lender's renewal offer, let's make sure you're choosing the option that's right for you.

📞 833-608-2232
📧 [email protected]
🌐 www.defencemortgagesolutions.ca

06/08/2026

💡 Did You Know? Our Services Cost You Nothing!

One of the biggest misconceptions about working with a mortgage broker is that you'll have to pay for their services.

When we help you find and secure a mortgage, we are typically paid a commission directly by the lender you choose. That means you get access to our expertise, guidance, and access to multiple lenders — at no cost to you.

✔ Expert mortgage advice
✔ Access to a wide range of lenders
✔ Support from application to closing

Our goal is to help you find the right mortgage solution while making the process as simple and stress-free as possible.

Have questions about your mortgage options? Let's chat!

04/24/2026

At Defence Mortgage Solutions, here’s how we do things differently 👇

🔹 CAF-focused – we work with CAF-friendly lenders (including BMO)
🔹 We understand the Relocation Directive + taxable implications 💡
🔹 Education first – we break down your options so you can decide with confidence
🔹 We compare rates, terms & products to get you the best deal 📊
🔹 Full support – access to trusted BGRS/Sirva realtors & lawyers 🤝

Got a posting message? We’ve got your six. 🇨🇦

📩 Send us a message or book a call today to get started
📝 Prefer to get started on your own? Fill out our application here: [INSERT APPLICATION LINK]
📧 Email us at [email protected]
📞 Or call toll-free: 1-833-608-2232

03/17/2026

Is your mortgage coming up for renewal… and you’re also expecting a posting message? 👀

For many CAF families, posting season and mortgage renewals seem to show up at the exact same time.

Before you automatically sign your lender’s renewal offer, it might be worth taking a closer look at your options — especially if a move could be coming.

There may be ways to set up your mortgage so it works with your posting, not against it.

At Defence Mortgage Solutions, we work with military members every day and understand the challenges that come with renewals, relocations, and the uncertainty of posting season.

If your mortgage is coming up for renewal this year, let’s chat and make sure you’re set up for whatever comes next.

📩 Send me a message to discuss your options