Join the Scotiabank StartRight® Program designed for Newcomers‡ and get up to $2,300* in value in the first year.
Vancouver public transit can feel confusing at first—especially with fare zones, transfers, and multiple transit systems. This guide gives a clear overview of how newcomers can travel confidently using public transportation. Using public transit saves time, reduces costs, and makes exploring the city and the surrounding suburbs easier. TransLink manages Vancouver public transit across Metro Vancouver, including Vancouver, Surrey, Burnaby, Richmond, and North Vancouver.
In 2024, TransLink recorded 240.9 million trips, showing strong reliance on public transit across the region.
Metro Vancouver has four main transit systems:
Most newcomers primarily use SkyTrain, buses, and SeaBus. TransLink also operates HandyDART, a dedicated service for people with disabilities.
Over 80% of downtown commuters rely on the SkyTrain or RapidBus during peak hours.
For a full picture of life in the city, see Is Vancouver, Canada a Nice Place to Live for Newcomers?
For many newcomers, the SkyTrain is the easiest place to start. It’s straightforward, fast, and connects major settlement areas like Surrey, Burnaby, and Downtown Vancouver. Read more about Living in Surrey, BC.
💡Tip: Living within 500 m of a SkyTrain station significantly reduces commute times.
Buses cover areas beyond SkyTrain reach and work in tandem with the SkyTrain to provide flexible routes.
SeaBus connects Downtown Vancouver to North Vancouver, making waterfront commutes simple.
💡 Tip: Great for newcomers living in North Vancouver or commuting to downtown jobs.
West Coast Express serves commuters travelling long distances from the Fraser Valley, offering a comfortable alternative to driving.
There are three fare zones across Metro Vancouver. The number of zone boundaries you cross during your trip, as well as the time and day, determine your fare.
| ZONE | ADULT CASH FARES | CONCESSION FARE (YOUTH/ 65+) |
|---|---|---|
| 1 | $3.35 | $2.25 |
| 2 | $4.85 | $3.30 |
| 3 | $6.60 | $4.05 |
The Compass Card makes fares more affordable.
Stored value is the money you add to your Compass card. You can use this money to pay for fares whenever you use the Vancouver public transit system.
Fares are current as of 2025. Check here for current Translink pricing and fare zones, and to estimate your fare.
💡Tip: Using a Compass card can save newcomers up to 20% per trip.
Many newcomers choose neighbourhoods based on both rent and transit access. Our post Best Areas to Live in Vancouver, Canada: A Guide for Newcomers highlights the areas that balance affordability, convenience, and easy public transit connections.
Yes, it’s extensive and frequent. Peak-hour buses may be crowded, but the SkyTrain and RapidBus provide fast and reliable travel.
Yes, most newcomers rely entirely on the SkyTrain, buses, and SeaBus.
Yes. Youth (5–18) and seniors (65+) pay concession fares via Compass card.
East Vancouver, Mount Pleasant, Kitsilano, North Vancouver, and soon-to-improve suburbs like Surrey and Langley.
Approx. $106/month for an adult; cheaper for youth/senior concessions.
For newcomers, understanding Vancouver public transit is a vital first step in settling into the city. The SkyTrain, bus network, and SeaBus make it possible to live and work in Vancouver without a car, while Compass Cards and clear fare zones help you manage costs.
If you are settling in Vancouver soon, reliable transit access can make your first months easier. Explore rental options in transit-friendly neighbourhoods using the Rentals for Newcomers tool.
Searching for your first home in Canada? Join this exclusive session for key insights on housing market conditions, affordable options, and renting without credit history. Tailored for newcomers settling in the next six months, register now for valuable tips and a free guide!
REGISTER FOR THE WEBINARThinking about renting in Surrey, B.C., Canada? You’re not alone. This fast-growing city is one of the most popular destinations for newcomers, offering lower rent than Vancouver, vibrant communities, and expanding public transit. Whether you’re moving with family, arriving as an international student, or starting your first job in Canada, renting in Surrey, B.C. Canada gives you a more affordable and diverse entry point to life in the Lower Mainland. Just 23 km from downtown Vancouver, and with easy access to transit, jobs, and schools, it makes it one of the top cities to start your life in Canada.
If you’re planning to rent in Surrey, choosing the best neighbourhood can help you feel at home faster. Whether you want city vibes, quiet, or family-friendly parks, this guide covers the best neighbourhoods in Surrey for newcomers, with tips on rent, transit, and housing availability.
Yes. Surrey offers a range of affordable rental options, culturally rich neighbourhoods, and expanding infrastructure. It’s home to one of Canada’s most diverse populations, with 41% of new immigrants identifying as South Asian, and a total population of nearly 600,000.
| LOCATION | AVERAGE RENT (1-BEDROOM) As of October 2025 |
|---|---|
| Canada (national average) | $2,105 |
| Vancouver | $2,463 |
| Surrey | $1,856 |
Solution: Newcomers can save more than $600/month by choosing to rent in Surrey rather than Vancouver while still staying close to the city core. Learn more about Vancouver rental rates in our guide: Best Areas to Live in Vancouver, Canada.
Learn more about Living in Surrey, British Columbia.
Before diving into the details, take a look at a Surrey neighbourhood map to get a sense of where each area is located. Major neighbourhoods like Whalley (City Centre), Newton, and Guildford offer great rental access and amenities, while South Surrey and Cloverdale offer more suburban living.
Unlock the Secrets to Crafting a Winning Rental Application. Are you a newcomer to Canada searching for your perfect rental home? Look no further! Our comprehensive guide will help you navigate the rental application process confidently and successfully!
GET FREE GUIDEHere are six of the most newcomer-friendly Surrey neighbourhoods, with guidance on who they’re best for, rental price ranges, vibe, and transit access.
Best for: International students, young professionals, newcomers without a car
Transit: Surrey Central and Gateway SkyTrain station (Expo Line)
Vibe: Urban, fast-paced, and highly walkable
Rental range: $1,850 – $2,100/month (1-bedroom apartment)
Whalley is the downtown of Surrey and the civic and business core. With access to Simon Fraser University’s Surrey campus, Surrey City Hall, and Central City Shopping Centre, it’s ideal for students and newcomers who want to be close to transit and amenities. Holland Park adds green space, while high-rise rentals and basement suites provide housing variety.
🏠 Why newcomers like it: Easy SkyTrain access, walkable, close to employment and education.
Best for: Families, professionals, nature lovers
Transit: Bus service; no direct SkyTrain (driving preferred)
Vibe: Coastal, upscale, laid-back
Rental range: $2,300 – $2,800/month (1-bedroom); more for larger homes.
South Surrey feels like a suburb-meets-resort. Crescent Beach, White Rock, and Blackie Spit Park offer oceanfront relaxation. The area has top-ranked schools, low crime, and higher-income households, making it ideal for families. It’s car-friendly and close to the U.S. border.
🏠 Why newcomers like it: Great for raising kids, quiet neighbourhoods, lots of parks and beach access.
Best for: Families, couples, commuters
Transit: Bus routes, close to SkyTrain access via Guildford (Expo Line)
Vibe: Quiet, residential, green
Rental range: $2,200 – $2,400/month (1-bedroom)
Fleetwood is a peaceful neighbourhood that consistently ranks as one of the safest in Surrey. It’s surrounded by parks like Bear Creek Park and is a top choice for families, thanks to well-rated elementary and secondary schools.
🏠 Why newcomers like it: Safe, suburban vibe with family-friendly events and good transit links.
Best for: Families, community-minded newcomers, renters needing space
Transit: Bus routes, future SkyTrain stations coming
Vibe: Historic, family-friendly, growing suburban
Rental range: $2,200 – $2,500/month (1-bedroom or basement suite)
If you’re looking for a quieter, family-friendly environment while renting in Surrey, BC, Canada, Cloverdale provides suburban charm and strong community ties. It’s known for the Cloverdale Rodeo, Canada Day celebrations, and a historic downtown. Nearby Clayton Heights offers newer housing developments. Surrey’s $4B SkyTrain project will add eight new stations, including one in Cloverdale, improving access to Langley and Vancouver.
🏠Why newcomers like it: Affordable homes, local events, new schools, and family-friendly growth.
Best for: Budget-conscious renters, students, families
Transit: Bus routes and access to the SkyTrain via nearby stations
Vibe: Active, commercial, accessible
Rental range: $1,900 – $2,300/month (1-bedroom apartment)
Guildford is a great balance of affordability and convenience. It’s anchored by Guildford Town Centre, one of B.C.’s largest malls, and is surrounded by condos, townhomes, and apartments. Tynehead Regional Park adds a natural escape, while schools and services are easily accessible.
🏠 Why newcomers like it: Close to shopping, job opportunities, and budget-friendly rentals.
Best for: Budget-focused newcomers, South Asian newcomers, newcomers seeking cultural familiarity
Transit: Multiple bus routes; SkyTrain planned for the 2030s
Vibe: Diverse, energetic, improving
Rental range: $1,800 – $2,200/month (1-bedroom or suite)
Newton is home to some of the most affordable rent in Surrey, especially for larger families. It has strong community support and many South Asian stores, restaurants, and cultural centres.
🏠 Why newcomers like it: Affordable rent, rich culture, and a strong sense of community.
In 2023, over 5,000 rental scams were reported across Canada, many targeting international students and newcomers.
Newton typically offers the lowest average rent, followed by Guildford. They often have the lowest rent prices and more rental inventory.
Whalley (City Centre) is ideal due to its SkyTrain access and proximity to Simon Fraser University’s Surrey Campus.
Yes. Fleetwood, Cloverdale, and Langley will see rent increases as new stations are built.
If you’re new to Canada and seeking affordability, community, and access to Metro Vancouver, Surrey, BC, Canada is a great option. With neighbourhoods to suit every lifestyle, from beach-loving families to city-centre students, Surrey gives newcomers a strong start in British Columbia.
👉 Start your search now at Rentals for Newcomers and find the perfect home for you!
Vancouver is one of Canada’s most desirable, but expensive, cities to rent in. While rents are high, you can still find pockets of value, especially in East Vancouver (Hastings-Sunrise, Renfrew), Joyce–Collingwood, and Surrey. These areas offer lower rent, good transit, and diverse communities. For newcomers, finding the best areas to live in Vancouver, BC, Canada, means balancing affordability, transit, safety, and lifestyle.
Whether you’re a student, young professional, or family, understanding the best areas to live in Vancouver, BC, Canada will help you find the best place to rent for newcomers. Explore neighbourhoods, compare rental costs, and discover the perfect fit for your move.
Vancouver attracts newcomers with its multicultural communities, strong job opportunities, and a vibrant outdoor lifestyle with mountains, beaches, and parks nearby. To learn more about day-to-day life, job opportunities, housing options, and newcomer services, check out our full guide to Living in Vancouver, British Columbia.
To compare, the national average for a 1-bedroom apartment is around C$1,836 (Oct 2025). Newcomers can save hundreds of dollars each month by choosing more affordable areas such as Surrey or Joyce-Collingwood over central Vancouver.
| NEIGHBOURHOOD | 1-BEDROOM AVG. RENT | NOTES |
|---|---|---|
| Canadian National Average* | $1,836 | Based on recent Canadian rental data |
| Surrey (Greater Vancouver Area) | $1,900 – $2,300 | Most affordable option near Vancouver; fast SkyTrain access |
| Joyce-Collingwood | $2,200 – $2,500 | Affordable SkyTrain-connected area |
| East Vancouver | $2,300 – $2,700 | Mix of older rentals + newer developments; good value |
| The West End | $2,500 – $3,100 | Dense rental stock; older buildings = more affordability |
| Kitsilano | $2,600 – $3,200 | Highly desirable; close to beaches and shops |
| Mount Pleasant | $2,600 – $3,200 | Trendy, central, popular with young professionals |
| North Vancouver | $2,600 – $3,200 | Scenic, safe, highly walkable; SeaBus access to downtown |
Solution: Newcomers can save more than $600/month by choosing to rent in Surrey rather than Vancouver while still staying close to the city core.
Unlock the Secrets to Crafting a Winning Rental Application. Are you a newcomer to Canada searching for your perfect rental home? Look no further! Our comprehensive guide will help you navigate the rental application process confidently and successfully!
GET FREE GUIDE
Overview: One of the most affordable GVA options, Surrey offers diverse communities, newer rental buildings, and strong job opportunities.
Best for: Budget-conscious newcomers, families, and students
Transit: Expo Line SkyTrain (Surrey Central, King George, Gateway), rapid buses; ~35–45 min to downtown Vancouver
Vibe: Urban centres (Surrey City Centre), suburban pockets (Fleetwood, Guildford, Newton), multicultural, community-focused
Rental range: $1,900 – $2,300/month (1-bedroom); $2,500 – $3,000 (2-bedroom)
🏠Why newcomers like it: Surrey offers more affordable rental housing, strong multicultural community, excellent transit, and access to jobs and services.
Overview: This vibrant, multicultural neighbourhood is known for its affordability and easy access to downtown via the SkyTrain. It offers a mix of low-rise apartments and newer condos, local shops, grocery stores, and services.
Best for: Affordable rentals within Vancouver city limits; families, international students
Transit: Joyce-Collingwood Station (Expo Line); 15 minutes to downtown. See our complete Vancouver Public Transit guide for details on routes, fares, and tips for newcomers.
Vibe: Culturally diverse, family-friendly, walkable, with many newcomer-owned businesses and grocery stores
Rental range: $2,150 – $2,400 (1-bedroom apartment); $2,800 – $3,300 (2-bedroom apartment)
🏠 Why newcomers like it: Lowest rental prices in Vancouver without sacrificing transit convenience.
Overview: East Vancouver offers a mix of older homes, apartments, and condos at more affordable rates than the West Side. Hastings-Sunrise is considered one of the best places to live in Vancouver, BC, for newcomers looking for affordability and transit links.
Best for: Newcomers seeking budget-friendly housing near downtown; families
Transit: Hastings corridor buses to downtown; Renfrew, Rupert, Nanaimo Stations (Expo Line)
Vibe: Community-driven, multicultural, lined with parks, older rentals, and affordable local shops.
Rental range: $2,200 – $2,500/month (1-bedroom); $3,000 – $3,400 (2-bedroom).
🏠 Why newcomers like it: Good downtown access with affordable rents.
Overview: A dense, lively neighbourhood bordering downtown Vancouver and English Bay with older rental buildings.
Best for: Downtown workers, students, newcomers without a car
Transit: Walkable; frequent
Vibe: Lively, social, close to English Bay and Stanley Park
Rental range: $2,500 – $2,900/month (1-bedroom apartment); $3,500 – $4,200 (2-bedroom).
🏠 Why newcomers like it: Walkable access to work, shops, parks, and beaches.
Overview: Kitsilano, or “Kits,” is a scenic neighbourhood near Vancouver’s west side beaches and parks. It offers a mix of older rental apartments, condos, and townhomes, along with trendy shops and cafés.
Best for: Students, young professionals, and newcomers seeking an outdoor lifestyle
Transit: Bus routes along Broadway, 4th Avenue, and Cornwall; Easy access to the University of British Columbia
Vibe: Hip, active, urban, near beaches
Rental range: $2,700 – $3,100/month (1-bedroom); $3,800 – $4,500 (2-bedroom).
🏠 Why newcomers like it: Outdoor lifestyle and relaxed coastal vibe.
Overview: A trendy, walkable neighbourhood close to downtown with a mix of apartments and older homes.
Best for: Creative professionals, young newcomers wanting a walkable community near downtown
Transit: Broadway corridor buses; Main Street-Science World (Expo Line)
Vibe: Trendy, urban cafés, breweries, boutique shops
Rental range: $2,600 – $2,900/month (1-bedroom); $3,600 – $4,000 (2-bedroom).
🏠 Why newcomers like it: Vibrant lifestyle with quick access to downtown and the Broadway tech district.
Overview: A safe, family-friendly area with excellent schools and easy access to nature. The neighbourhood is quieter than downtown Vancouver but remains connected via the SeaBus.
Best for: Families, outdoor enthusiasts
Transit: Lonsdale Quay + SeaBus (12 minutes to downtown)
Vibe: Safe, community-oriented, close to mountains and trails
Rental range: $2,600 – $2,900/month (1-bedroom); $3,600 – $4,000 (2-bedroom).
🏠 Why newcomers like it: Family-friendly environment with quick access to downtown.
In 2023, over 5,000 rental scams were reported across Canada, many targeting international students and newcomers.
Many newcomers find East Vancouver, Joyce–Collingwood, and North Vancouver ideal places to rent when looking for the best place to live in Vancouver, BC, Canada, due to affordability, transit, and community amenities.
Surrey, BC, is more affordable; other options include New Westminster.
A 1-bedroom: $2,600 and $3,100; 2-bedroom: $3,600 and $4,500. East Vancouver and Joyce-Collingwood are on the lower end.
No. Many neighbourhoods, such as the West End and Mount Pleasant, are highly walkable and transit-connected.
Yes. North Vancouver (Lonsdale) and Hastings-Sunrise are safe and family-friendly.
Finding the right place to rent is one of the most important steps for newcomers settling in Vancouver. While the city is known for high rental rates, there are affordable neighbourhoods like Joyce–Collingwood, Hastings-Sunrise, Surrey, and East Vancouver that provide excellent transit connections, safety, and access to services.
👉 Start your rental search now and confidently choose among the best areas to live in Vancouver, Canada!
Whether you’re preparing to move to Canada or have just arrived, managing your personal finances is vital. Creating a realistic budget is one of the most important personal finance strategies for newcomers. A good approach helps you track spending, reduce financial stress, avoid debt, and build a strong financial foundation in Canada.
Moving to Canada comes with many financial surprises—from housing costs to daily expenses. Budgeting helps you:
Toronto and Vancouver, Canada’s most popular cities for newcomers, are major job hubs; however, housing costs are the highest. If you dream of homeownership, you’ll likely be able to buy a larger home in a suburb or smaller city.
Even if you haven’t started working yet, a budget improves your confidence and helps you stretch your savings while you settle.
Housing is often the highest expense for newcomers. Canada Mortgage and Housing Corporation (CMHC) defines “affordable” housing as when shelter costs are less than 30% of the household’s before-tax (gross) income.
For example, a family earning $60,000/year should ideally have monthly shelter costs under $1,500.
Calculation:
This definition ensures that households have income left over for other essentials such as food, transportation, and savings, especially important when arriving in a new country.
Before you move, research typical salaries for your profession. Tools like the Canada Job Bank help newcomers explore wage ranges and regional differences so you can budget realistically. Read more: Canada Job Bank | Your Vital Research Tool.
Follow these six practical steps to estimate expenses, prioritize essentials, build credit, and adjust your budget to live comfortably in Canada.
Start by researching typical costs for rent, utilities, groceries, transportation, and insurance. Knowing your expected expenses helps you plan a realistic budget even before you arrive in Canada.
Use these typical monthly cost ranges to prepare your pre-arrival budget:
| EXPENSE | TYPICAL RANGE/MONTH | TIPS FOR NEWCOMERS |
|---|---|---|
| Rent (1-bedroom) | $1,200 – $2,500 | Use trusted websites like Rentals for Newcomers. |
| Utilities (electricity, heating, internet) | $50 – $150 | Confirm what’s included in rent. |
| Mobile phone | $15 – $150 | Buy a SIM card or a temporary plan to connect immediately. |
| Food & groceries | $400 – $800 | Plan meals; cooking at home saves money. |
| Public transit | $70 – $150 | Check city transit pass costs. |
| Insurance (health + renters) | $25 – $200 | Consider short-term private travel medical health insurance. |
| Personal care & entertainment | $50 – $200 | Focus on essentials until settled. |
👉 Tip: Costs vary depending on city and lifestyle. Toronto and Vancouver are job hubs, but have higher housing prices; smaller cities offer more affordable rent.
Once you’re in Canada, keep a record of all of your expenses and update your budget with real numbers. Track your spending to identify where your money goes and adjust your budget:
This step helps you avoid surprises during your first few months in Canada.
Focus first on housing, food, transportation, and insurance. Ensuring you cover these basics will reduce financial stress and keep you within your budget.
Your highest monthly expense. Compare neighbourhoods and consider renting slightly outside the city centre for affordability.
Cooking at home is often more cost-effective than eating out.
Public transit is cost-effective in most cities.
Protect yourself with renters’ insurance and provincial or private health coverage.
👉 If you are a student, worker, or visiting family member, travel medical health insurance is essential until provincial health coverage begins.
Limit discretionary spending (eating out, shopping, entertainment) until your essentials are stable.
Maintain a financial buffer for unexpected expenses. More money = less stress!
Managing a budget responsibly helps you establish and maintain good credit. Timely payments and low debt are crucial for applying for credit cards, loans, or even renting an apartment in Canada.
Your budget keeps you on track so you can:
Read: How to use Your International Credit History in Canada.
Use trusted tools and guides like Rentals for Newcomers, banking guides, and credit-building tips to make budgeting easier and more effective:
💡 Pre-arrival tip: Open a Canadian bank account before you arrive if possible. Some banks allow online account setup for newcomers.
Costs and needs change as you settle in. Your budget will evolve as your life in Canada changes. Review it monthly to:
Most newcomers spend between $2,000 and $4,000 per month depending on the city, housing choices, and lifestyle. Rent is often the highest cost. Read more: How Much Money Will I Need to Move to Canada?
Include rent, utilities, groceries, transit, phone plans, health insurance, and settlement costs like deposits, winter clothing, and short-term accommodation.
Canada can feel expensive, especially in Toronto or Vancouver. Planning a budget early helps you manage costs and avoid financial stress.
Use public transit, cook at home, choose budget-friendly phone plans, and compare rentals using trusted platforms like Rentals for Newcomers.
A budget helps you manage settlement costs, avoid debt, build credit, and prepare for long-term goals like buying a home or continuing your education.
Whether you’re planning your move or have just arrived, creating a budget is essential for financial stability in Canada. With the right planning and tools, you can establish a solid financial foundation and experience a seamless transition to life in Canada.
Looking for the best Christmas festivals and markets in Canada? This guide highlights top holiday events newcomers love, featuring free activities, family-friendly markets, dazzling lights, and winter traditions across the country. Discover what to expect, how to stay warm, transit tips, and the most popular Christmas events by province.
Canada’s Christmas festivals are more than lights and markets; they’re a great way to:
While shopping during the holiday, stay on budget with tips from Black Friday in Canada 2025: A Newcomer’s Guide to Saving Money.
For newcomers, purchasing quality winter clothing is essential to enjoying the Christmas festivals comfortably. Read more: 4 Items for Your First Winter Season in Canada.
Dates: Nov 29, 2025 – Jan 7, 2026
Why newcomers love it: Free outdoor skating, Christmas lights, live music
Tip: Take the TTC; free skate rentals on select evenings
Location: Nathan Phillips Square
Entry Fee: Free admission
Dates: Nov 13, 2025 – Jan 4, 2026
Why newcomers love it: Canada’s most famous Christmas market, 70,000+ lights
Tip: Parking is limited—public transit recommended
Location: Distillery District
Entry Fee: Paid during peak times. General Admission: $15 + HST. Express Entry (skip line): $30 + HST. Kids 9 and under enter free.
Free Entry during select off-peak times (often weekdays before 4 pm)
Dates: Dec 4 – 7, 2025
Why newcomers love it: European-style market with German treats and handmade crafts
Location: Kitchener City Hall (200 King Street West)
Entry Fee: Free
Dates: Nov 21 – Dec 31, 2025 (weekends)
Why newcomers love it: Outdoor fires, festive shopping, and local vendors. Great for newcomers wanting free activities and family-friendly events.
Location: Lansdowne Park
Entry Fee: Free
New to Ottawa? Read more about Best Ottawa Neighbourhoods for Renting: A Guide for Newcomers.
Dates: Nov 20 – Dec 23, 2025
Why newcomers love it: Free entry, German-style Christmas with music, food, and lights
Location: Throughout Old Québec (Place d’Youville to Hôtel-de-Ville area)
Entry Fee: Free admission.
Dates: Nov 21, 2025 – Jan 4, 2026
Why newcomers love it: Multicultural outdoor market, local artisans, food trucks, kids’ activities. Perfect for newcomers who want a European-style Christmas market.
Tip: Accessible via STM metro
Location: Montréal’s Quartier des Spectacles
Entry Fee: Free
Dates: Nov 21 – Dec 14, 2025
Why newcomers love it: Waterfront light installations, markets, concerts
Location: Downtown Halifax
Entry Fee: Free (light trail + market)
Dates: Early–Mid Dec 2025
Why newcomers love it: Traditional Newfoundland festival with parades, music, and costumes.
Entry Fee: Free
Dates: Nov 28, 2025 – Jan 3, 2026
Why newcomers love it: An affordable 2.5 km drive-through light display; perfect for families.
Location: Red River Exhibition Park
Entry Fee: $30 for a personal vehicle (1 – 7 people) for one “loop” of the light route
Dates: Nov 14, 2025 – Jan 4, 2026
Why newcomers love it: Millions of lights, themed displays, family-friendly activities
Location: Wilder Institute / Calgary Zoo
Entry Fee: $21 – $29
If you’re thinking about moving to Calgary, read more: Best Calgary Neighbourhoods for Newcomers
Dates: Multiple weekends, Nov 20 – Dec 14, 2025
Why newcomers love it: Artisan market with mountain scenery, crafts, food, and live music
Location: 327 Railway Avenue
Entry Fee: $12-$15; children 2 & under: free; 3-10: $5 donation.
Dates: Nov 21, 2025 – Jan 18, 2026
Why newcomers love it: Suspension bridge lights, treetop walkways, and a stunning rainforest light show – a must-see for first-time visitors
Tip: Weekdays are less crowded
Location: Capilano Suspension Bridge Park
Entry Fee: $23 – $67 (varies by age and date)
Food & Drinks: Hot chocolate, mulled wine, gingerbread, poutine, maple treats
Shopping: Gifts, ornaments, handmade crafts, winter clothing
Payment: Most vendors accept credit/debit; cash can help
Facilities: Portable toilets or washrooms; indoor markets have full facilities
Transportation: Transit is often easier than driving
Crowds: Weekends can be busy—arrive early or visit on weekday evenings for a more comfortable experience.
Many markets are free; some attractions require tickets.
No. Most festivals are secular and open to all cultures and religions.
Warm boots, gloves, a hat, and layered clothing. Temperatures can be cold.
Yes. Many have child-focused activities, warm drinks, and entertainment.
Yes. Major markets in large cities like Toronto, Vancouver, Ottawa, and Montréal are accessible via transit.
For many newcomers, Christmas markets help create a sense of belonging during their first winter in Canada. Whether you celebrate Christmas or want to enjoy the festive atmosphere, these markets are an enjoyable way to meet people, learn about local culture, and start feeling at home.
Attending a Christmas market in Canada is a warm and welcoming way for newcomers to feel more connected to their new community.
Black Friday in Canada 2025 is one of the biggest shopping events of the year. If you’re new to the country, this is a great time to learn how Canadian sales work and how to avoid overspending during the holiday season. Below is your complete guide to what Black Friday means in Canada. We’ll cover everything from when it occurs to how to budget and shop smart.
As a newcomer, this major sale event can help you get significant savings on:
These savings can help you manage the many new expenses you face while settling in Canada.
Many newcomers report significant financial stress in their first year in Canada, especially related to household expenses like furnishings, utilities, and food. Source: Securian Canada survey.
Tip for renters: If you’re still setting up your first apartment, Black Friday is one of the best times to buy essentials affordably. For more housing guidance, read Can Newcomers Rent-to-Own a Home in Canada?
Black Friday marks the unofficial start of the holiday shopping season. Retailers across Canada offer major discounts of 20% and 60% off electronics, clothing, home goods, and more.
Many Canadian retailers offer deals up to one week before Black Friday. Cyber Monday deals often extend into a full “Cyber Week.”
Holiday shopping is exciting, but budgeting is vital to ensure you can cover everyday expenses such as rent, utilities, groceries, and transportation.
This helps you avoid surprise credit card bills in January.
If you’re building your holiday budget, you may find it useful to review our guide on cost-saving ideas for newcomers. You’ll discover 22 practical ways to reduce day-to-day expenses.
Canadians with a budget save an average of $300 more than those who shop without a plan during Black Friday (Canadian Bankers Association, 2023).
Retailers use “loss leaders”, deeply discounted items, to attract shoppers. Once inside, it’s easy to buy extra items at full price.
Tip: Only buy items on your list to avoid overspending.
Retailers often promote extended warranties on electronics. Before buying:
Many stores offer an extra discount if you sign up for their credit card. But, store cards often carry high interest rates of 20% to 30%.
For newcomers who are building Canadian credit history, this matters because:
According to Credit Cards Canada:
“There are better ways to build a positive credit history than a retail card.”
Advice: Only sign up for a retail credit card if you can pay your balance in full each month.
Want to know more about building credit? Read Building Credit History in Canada as a Newcomer.
Most major Canadian retailers offer price-matching policies, which may include:
Tip: Keep receipts and read the fine print; some deals may be excluded.
Tools like Google Shopping, PriceBat.ca (electronics), and Shopbot.ca let you compare prices across retailers. Many stores also have apps with early alerts, online-only deals, and wishlists.
Loyalty programs are popular in Canada and can help you save even more.
Rewards can include:
Popular programs: Scene+, PC Optimum, Triangle Rewards, and Amazon.ca Rewards.
Over 60% of Canadians participate in at least one loyalty program, boosting their holiday savings.
While early sales start days before, the biggest discounts typically appear:
If you enjoy in-person holiday experiences, Canada’s Christmas markets are a great way to explore local culture after Black Friday sales. Check out some of the Best Christmas Markets in Canada.
Black Friday offers the largest discounts in physical and online stores, especially for electronics and winter essentials. Cyber Monday mainly offers online deals, often continuing Black Friday promotions.
Yes, if you follow a budget and shop strategically. It’s a chance to save on items you need while settling into Canada.
Many do, but check each retailer’s policy. Limited-time deals may be excluded.
Absolutely. Many stores accept debit cards, prepaid cards, or digital wallets like Apple Pay and Google Pay.
If you’re thinking about getting a Canadian credit card, read our newcomer-friendly guide How to Get a Credit Card in Canada and Avoid Common Mistakes.
Average spending per person is around $250–$300 during Black Friday and Cyber Monday combined.
Black Friday in 2025 is a great opportunity to save money while settling into life in Canada. With a clear budget, price comparison, and smart decision-making, newcomers can take advantage of this major sale event without financial stress.
🏠 Still getting established in Canada? Explore our housing resources, to make settling in easier.
Starting fresh in a new country often comes with learning curves, including understanding Canada’s credit system. Even with excellent credit in your home country, Canadian lenders usually don’t have access to it. This can make getting a credit card, qualifying for a loan, or renting an apartment a little more challenging.
The good news is that with Nova Credit and Scotiabank, newcomers can now access their international credit history in Canada, helping to give them an easier and faster path to building financial stability.
International credit history is your record of how you’ve borrowed and repaid money in your home country.
Because Canadian lenders can’t automatically access this information, many newcomers must build a new credit history from scratch. Nova Credit’s Credit Passport® helps bridge that gap by allowing newcomers from eligible countries to share their international credit profile with participating Canadian banks.
A good credit history in Canada can help you:
Without a Canadian credit history, many newcomers face limited options. That’s why being able to use your international credit history in Canada is such an exciting breakthrough!
Yes. Through Nova Credit, newcomers from select countries can use their international credit history to receive higher limits on a new or existing Scotiabank credit card.
In addition to Nova Credit, Scotiabank offers the StartRight™ Program, tailored for newcomers with benefits like:
Scotiabank is the first bank in Canada to integrate Nova Credit into its digital credit card application process for permanent residents and foreign workers.
This means newcomers can:
➡️ Solution: This process gives you a financial head start and avoids the “no credit history” problem most newcomers face.
Yes. Nova Credit allows newcomers from select countries to share their international credit history with Canadian banks. This helps banks evaluate your credit profile when you apply for credit products.
While some Canadian banks can review international credit history through in-branch applications, Scotiabank is the first to integrate Nova Credit into its digital onboarding process. This means permanent residents and foreign workers can use their international credit history online, making it faster and more convenient to apply for a higher limit as part of their credit card application with Scotiabank.
No. Your international credit history can help you qualify for a higher credit limit, but you still need to build a Canadian credit score over time. Read more about how to get a credit card in Canada and avoid common mistakes.
No. It’s included as part of Scotiabank’s newcomer digital onboarding and credit card experience.
Being able to use your international credit history in Canada is a game-changer for newcomers. Instead of starting from zero, you can qualify for higher credit limits and build your Canadian credit score with confidence.
This article is provided for information purposes only. It is not to be relied upon as financial, tax or investment advice or guarantees about the future, nor should it be considered a recommendation to buy or sell. Information contained in this article, including information relating to interest rates, market conditions, tax rules, and other investment factors are subject to change without notice and The Bank of Nova Scotia is not responsible to update this information. All third party sources are believed to be accurate and reliable as of the date of publication and The Bank of Nova Scotia does not guarantee its accuracy or reliability. Readers should consult their own professional advisor for specific financial, investment and/or tax advice tailored to their needs to ensure that individual circumstances are considered properly and action is taken based on the latest available information.
‡ Scotiabank StartRight® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.
1To qualify for the 1-Year No Monthly Account Fee offer (the “Offer”), open a new Preferred Package account under the StartRight™ Program (the “Account”). During the first 12 months, your monthly Account fee will be waived and will not appear as a charge on your Account. The Account must be open and in good standing at the time of the waiver. All applicable service charges on the Account will continue to be applied monthly. After the first 12 months, you will begin to see the monthly Account fee charged to your Account unless you maintain a minimum daily closing balance of $4,000, in which case the monthly Account fee will be waived per the Account terms and conditions. Employees of Scotiabank and individuals who are currently or were previously holders/joint holders of a Scotiabank chequing account with the last 2 years are not eligible for this Offer. This Offer is non-transferable and cannot be combined with any other offers except as otherwise permitted. Maximum one Offer per client. All rates, fees, features and benefits are subject to change. Offer may be changed, cancelled, or extended at any time without notice.
2For clients onboarded as part of the Scotiabank StartRight® Program we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at https://www.scotiabank.com/international-money-transfer.
Winter driving in Canada can be challenging, especially if you’ve never driven in snow or icy conditions before. Temperatures can drop below freezing, visibility can disappear in seconds, and storms can make roads slippery and unpredictable.
This guide explains how to stay safe on Canadian winter roads, offers actionable tips, newcomer-friendly advice, and safety information.
If you’re new to driving in Canada, our Driving Test Guide explains the process for newcomers, incluing tests, documents, and provincial requirements.
Winter conditions are much harsher than many newcomers expect. Preparing your vehicle is the first, and most important, step to staying safe.
Pro tip: The Canadian Automobile Association, recommends switching to winter tires as soon as the temperature is consistently below 7°C. Most Canadian auto shops can install winter tires or offer tire changing services.
Cold temperatures thicken fluids, drain batteries, lower tire pressure, and reduce visibility. Doing a winter safety check ensures your car performs reliably in freezing weather.
Unlock the Secrets to Crafting a Winning Rental Application. Are you a newcomer to Canada searching for your perfect rental home? Look no further! Our comprehensive guide will help you navigate the rental application process confidently and successfully!
GET FREE GUIDEWinter tires are one of the most effective ways to reduce accidents in snow and icy conditions.
The Canadian Automobile Association (CAA) recommends installing winter tires once temperatures consistently drop below 7°C.
Most provinces do not legally require winter tires, but they are strongly recommended everywhere and mandatory in Quebec from December 1 to March 15.
Winter tires use a softer rubber compound that stays flexible in cold temperatures, helping them:
You’ll feel the biggest improvement when braking, accelerating, turning, or driving through slush.
Even a short drive can become dangerous if you get stuck, lose visibility, or slide off the road. Every newcomer should keep a winter safety kit inside their vehicle.
First aid kit
Blanket
Water and non-perishable food such as granola bars, dried foods, and juice
Flashlight
Cell phone and charger
Ice scraper and snow brush.
Canadian weather changes quickly. A clear sky can turn into a whiteout within an hour.
Check road conditions before leaving using:
If there is heavy snowfall, blowing snow, or freezing rain, consider delaying your trip. Reduced visibility and icy roads make it harder for vehicles to brake or stay in their lanes.
Understanding Canadian road signs, speed limits, and local driving etiquette can make winter driving safer. Review our 10 Essential Driving Facts for Canada
Driving with snow on your car is dangerous—and in some provinces, illegal.
Snow left on your roof can slide onto your windshield or blow onto other vehicles. Ice on your windows reduces visibility and reaction time.
Clear:
Plan an extra 5–10 minutes to remove snow before you leave.
Slowing down is the most important winter driving habit.
On snowy or icy roads, your stopping distance can double or even triple. Reducing your speed gives you more time to react.
Snowplows drive slowly and create clouds of snow that limit visibility.
In Ontario and several provinces, it is illegal to pass a snowplow working side-by-side.
Following too closely is one of the most common causes of winter collisions.
Pick a fixed object ahead—like a sign or tree—and count the seconds until your car reaches it. If you count fewer than 8 seconds, increase your distance.
Ice reduces traction, making it harder for your tires to grip the road. Even with Anti-lock Braking System (ABS) brakes, stopping too quickly can cause your car to slide.
Black ice is one of the most dangerous winter hazards because it is almost invisible.
Black ice often looks like a shiny, wet patch on the road. It commonly forms on:
If you hit black ice:
Do not brake suddenly
Keep your steering wheel straight
Ease off the gas pedal
Allow the car to slow down naturally
Use gentle steering to regain control.
They are required in Quebec and on some highways in British Columbia. Other provinces strongly recommend them.
Anything below 0°C increases the risk of ice. Freezing rain is particularly dangerous.
Modern vehicles typically need 30 seconds to 2 minutes to warm engine components.
The battery may be frozen or drained. Use a booster pack, ask for a jump-start, or call roadside assistance.
Stay home when there are:
Give yourself extra time, avoid rushing, and plan your route. With practice, winter driving becomes manageable—and even routine. Winter tires are one of the most effective ways to reduce accidents in snow and icy conditions.
New to Canada? Download our free Rental Application Guide to learn how to apply for your first home with confidence.
If you’re working in the U.S. on an H1-B visa, you may wonder whether you can move to Canada. While your H-1B visa itself doesn’t directly transfer, your U.S. work experience can strengthen your application for Canadian permanent residence under skilled immigration programs. Here’s how it works, the main pathways available, and why many H-1B professionals are choosing Canada.
Canada rewards skilled professionals with in-demand experience and education, making H-1B holders strong candidates for programs like Express Entry and Provincial Nominee Programs (PNPs).
Many H-1B workers are drawn to Canada because it offers:
Recent trends make Canada even more appealing. U.S. tech companies, after pandemic hiring surges, are now laying off employees, creating visa uncertainty. Adding to this, the U.S. government introduced a $100,000 USD fee for employers filing H-1B applications in 2025, making it more expensive to hire foreign workers.
These changes have prompted many skilled professionals to explore more stable opportunities in Canada.
Canada prioritizes candidates with:
Your H-1B experience is valuable, especially if your occupation aligns with Canada’s National Occupation Classification (NOC) system.
The H-1B visa is a non-immigrant U.S. work visa for skilled professionals in specialty occupations, including:
These fields align well with Canada’s NOC system and are in high demand:
| SPECIALIZED FIELDS | EXAMPLES |
|---|---|
| Technology & IT | Software development, data science, AI, cybersecurity, cloud computing |
| Engineering | Physicians, researchers, biomedical scientists, and pharmacists |
| Healthcare & Life Sciences | Physicians, researchers, biomedical scientists, and pharmacy |
| Finance & Business | Accountant, financial analysts, consultants, business systems analysts |
| Architecture & Design | Architects, urban planners |
| Other STEM Fields | Mathematics, statistics, physical sciences, R&D in advanced tech |
Your U.S. H-1B experience can help you qualify for Canadian immigration, but understanding the career pathways available in Canada can help you target the right roles and provinces. High-demand fields include:
Learn more in our Career Pathways section to see specific opportunities by occupation.
Want to learn more about the Express Entry system, how CRS points work, and eligibility requirements? Read our detailed guide here: What is Express Entry?
Tip: Use Canada’s CRS calculator to estimate your score based on age, education, and H-1B work history.
Match your current job title and duties with Canada’s NOC.
You need at least one year of skilled work experience (NOC 0, A, or B).
Consider improving English/French test results or completing an Education Credential Assessment (ECA). Learn more in our guide: What is Credential Recognition?
Target provinces with tech or engineering streams, such as Ontario, British Columbia, and Alberta.
Plan your transition timeline carefully while applying to Canada.
Our Canadian Pre-Arrival Checklist Guide helps you prepare for life in Canada.
Moving to Canada is a major life decision that is exciting, full of opportunity, and, let’s be honest, a little overwhelming. Whether you’re immigrating alone, with a partner, or your entire family, there’s a lot to plan before boarding your flight. That’s why we created the Canadian Pre-Arrival Checklist Guide. It’s your step-by-step companion to prepare for life in Canada. From organizing your documents and opening a bank account to packing smart and finding a place to live, we’ve laid it all out clearly by timeline: 3 months, 2 months, and 1 month before your move.
GET FREE GUIDEYes. You can apply for Express Entry or a PNP while living and working in the U.S., if you meet eligibility requirements.
Yes. Skilled U.S. work experience can add valuable CRS points.
No. Continue your current employment until you receive PR approval.
Yes, some move first on a Canadian work permit through an employer transfer or the Global Talent Stream, then apply for permanent residence later.
Yes. Canada offers multiple pathways for skilled workers, families, and temporary workers. See: PR Process in Canada: Common Ways to Immigrate.
If you’re working in a skilled role in the U.S., you can use your H-1B background to strengthen your Express Entry or PNP profile, opening the door to permanent residence in Canada.
Canada welcomes skilled professionals, and your H-1B experience gives you a strong advantage on the path to continuing your career in Canada.
For newcomers to Canada, financial uncertainty is common in the first few years. Unexpected costs such as medical bills, urgent home repairs, or job loss can quickly strain your budget. An emergency fund ensures you can handle these surprises without harming your financial health. This guide covers:
According to Statistics Canada (2023), one in four Canadians reports difficulty covering a $500 unexpected expense. Having an emergency fund significantly reduces this risk.
Health emergencies can happen anytime, and medical costs can be high before provincial coverage applies. If you’re new to Canada, it’s vital to understand your healthcare options; learn how newcomers can access free healthcare in Canada.
While traditional emergencies include medical bills and home repairs, newcomers may also encounter immigration, housing, employment, and banking emergencies. Preparing for these emergencies can make your transition to Canada smoother and less stressful.
Tip: Start small and gradually increase your fund. Even $50 – $100 per month can add up over time.
Tip: Only keep a small amount at home. Keep your main fund in a bank account for security.
Read next: How to Save Money on Rent in Canada.
Extra income streams can act as a safety net during a financial setback.
According to Statistics Canada Household Income Survey shows that households with multiple income streams are 30% more likely to maintain financial stability during job loss.
Tracking your monthly spending is key to building an emergency fund. Use our Cost of Living in Canada guide to see typical expenses newcomers face and find areas where you can save.
Your saving habits can protect you from the unexpected, and it’s important since nearly 40% of Canadians say they couldn’t cover a $500 expense without borrowing.
As you set up your emergency savings, it’s also a great time to start building your credit in Canada. Responsible use of credit helps you qualify for better banking products and boosts your financial confidence as a newcomer. Learn more about Building Credit as a Newcomer.
Watch the video to discover common mistakes newcomers make with credit cards that can harm their credit rating in Canada:
Aim for at least 3 months of living expenses initially. Gradually work toward 6 months. You may also want to have a small stash of cash ($500–$1,500).
Yes, especially if you keep a small amount in a hidden or secure location. Keep larger funds in a bank account.
No. An emergency fund is only for unexpected or urgent costs. Using it for regular spending defeats its purpose.
Automate savings, cut non-essential expenses, and consider earning passive income through freelancing, selling items, or digital products.
No, but financial advisors highly recommend them, especially for newcomers facing uncertain employment or living costs.
Start building your emergency fund today by:
Tip: Explore our Financial Literacy Month guide to learn how to manage finances, set goals, and grow your emergency fund.
Start building your emergency fund today, even with small monthly savings, a cash stash, or passive income. Combined with good credit habits, you’ll have financial security and peace of mind.
Remember: saving for emergencies and building credit go hand-in-hand; together, they form the foundation of a strong, stable financial life in Canada. Take the first step today and start planning for both your short-term and long-term financial security.
For more money-saving guidance, explore our Managing Money section.