Defence Mortgage Solutions Team

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Ottawa, ON
Defence Mortgage Solutions Team

Defence Mortgage Solutions Team provides mortgage solutions to active and retired Defence members such as CAF/DND, RCMP.

We specialize in relocations, retirements and 3B (medical) releases.

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

03/06/2026

🏡 Hidden Costs of Buying a Home — Do You Know What’s Covered?

When buying a home, most people focus on the down payment, but there are several other costs that can come up along the way.

Some common hidden costs include:
• Legal fees
• Home inspection
• Appraisal fees
• Land transfer/registration fees
• Property tax adjustments
• Moving expenses

If your move is related to a relocation, some of these costs may be covered through your relocation benefits.

At Defence Mortgage Solutions, we regularly work with military members and understand which expenses may be reimbursed through your relocation program and how to structure your purchase accordingly.

That means fewer surprises and better planning during your move.

📩 If you're relocating and planning to buy, reach out — we’re here to help make the process smoother.

02/26/2026

Posting Season Is Coming — Are You Ready?

Posting season is just around the corner, and we know how fast things can move. Whether you’ve received your message or you’re preparing for the possibility, having the right team in place can make all the difference.

A military move isn’t the same as a typical relocation. Tight timelines, sale-and-purchase coordination, and cross-country logistics require professionals who understand the process inside and out.

At Defence Mortgage Solutions, we work alongside experienced REALTORS® and lawyers who understand military moves and the unique challenges that come with them. When your mortgage broker, realtor, and lawyer are aligned and experienced in postings, you benefit from:

✔️ Smoother timelines
✔️ Fewer surprises
✔️ Clear communication
✔️ Confidence in every step

This isn’t just about securing a mortgage — it’s about building the right team to support your move from start to finish.

If posting season is on your radar, let’s start the conversation early and make sure you’re set up for success.

02/05/2026

🤝 The right mortgage is only part of the equation.

RCMP and CAF relocations come with tight timelines, unique paperwork, and zero room for guesswork. That’s why Defence Mortgage Solutions works alongside a trusted network of realtors and real estate lawyers who understand military and RCMP moves.

✔️ Professionals experienced with postings and relocations
✔️ Faster, smoother transactions
✔️ Fewer surprises under pressure

When you work with us, you’re not just getting a mortgage — you’re getting a team that knows the system and how to navigate it.

📩 Message us to learn more about our trusted referral partners.

01/29/2026

📣 Tax Season Tip for Homeowners & Home Buyers 🏡💡
As tax season approaches, now’s the time to make sure you’re taking advantage of every credit available

✨ Home Buyers’ Tax Credit

If you purchased a qualifying home in the past year, you may be eligible to claim up to $10,000 as a non-refundable tax credit on your federal return - worth up to $1,500 in tax savings.

🔎 It’s not just for first-time buyers!
If you are eligible for the Disability Tax Credit (DTC) and you bought a home that better meets accessibility needs, you can still claim this credit - even if you’ve owned a home before.

🧠 How the Disability Tax Credit Helps
The DTC is a non-refundable credit for Canadians with a prolonged and severe impairment. Qualifying for it doesn’t just reduce your tax payable - it also opens doors to other supports and helps you qualify for credits like the Home Buyers’ Amount when purchasing the right home.

📲 Have questions about your mortgage, credits, or tax planning? Contact us today - [email protected]

01/23/2026

Is your mortgage coming up for renewal - and are you expecting a posting during your next term? 🏠📦

Before you renew, it’s critical to ensure your mortgage strategy aligns with CAF relocation benefits and posting realities. Renewing without the right structure in place can lead to unnecessary penalties, reduced flexibility, and out-of-pocket fees when a posting message arrives.

Connecting with our team before you renew allows us to align your next mortgage term with relocation strategies — helping minimize costs and keep your options open when it matters most.

Posting season moves fast. Your mortgage plan should be ready. 🎯

01/06/2026

🎉 Welcome to the New Year! 🎉

The start of a new year is the perfect time to review your current mortgage. Interest rates, life changes, and financial goals can all shift - making a mortgage check-in more valuable than ever.

At Defence Mortgage Solutions, we provide specialized mortgage advice to CAF/RCMP members, DND employees, Veterans, and their families, helping you ensure your mortgage continues to align with your personal and career goals for the year ahead.

📩 Reach out today to book your mortgage review.

11/11/2025

🌺 Honouring Our Heroes

Today, we remember the courage and sacrifice of those who have served — and continue to serve — our great nation.

At Defence Mortgage Solutions, we proudly stand with the members and veterans of the Canadian Armed Forces and the RCMP.

Lest we forget.

11/03/2025

💡 Mortgage Renewal vs. Refinance - What’s Best for You? 🇨🇦⚓️✈️

If you’re part of the military community, you know that change is part of the lifestyle - whether it’s a posting, deployment, or family relocation. 🪖

When your mortgage term is coming up for renewal, it’s the perfect time to review your options - but renewal and refinance aren’t the same thing.

✅ Renewal means continuing your mortgage (often with the same lender) at a new rate and term.
✅ Refinance means restructuring your mortgage - maybe to access equity, consolidate debt, or secure a home equity line of credit (HELOC) for future flexibility.

If you’re anticipating a posting or life change, a refinance can be a smart move. It can help you:

🏡 Access equity for a down payment in a new location
🔄 Combine debts for easier cash flow
💳 Set up a line of credit to stay flexible when the unexpected happens

At Defence Mortgage Solutions, we understand the unique challenges Defence members and their families face. We’ll help you compare your current rate (including BMO’s discounted Defence rates) to other lenders - and ensure your mortgage works with your lifestyle, not against it.

📞 Reach out before your renewal date to explore all your options - because the right strategy now can make your next move a lot smoother.

Address

Ottawa, ON

Telephone

+18336082232

Website

https://defencemortgagesolutions.ca/

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