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It’s smart to make a checklist of the important documents to carry when you move to Canada. Whether you are immigrating permanently, studying, or working in Canada, these documents will help you to enter Canada, open a bank account, drive, rent a house, and even access healthcare. This comprehensive list of documents outlines what you will require and why you need them. Ensuring you have the right documents for permanent residence (PR) can minimize delays and avoid complications as you settle in Canada. Without the right documents, you may face challenges finding a job, enrolling your children in school, or even renting a place to live.

It’s important to keep all your documents safe and keep digital copies.

Essential Documents for PR in Canada

You will require specific documents to complete the immigration process and PR in Canada. The PR documents you require vary based on the immigration program you’re applying for. However, here are some of the essential documents you will need.

Passports and Birth Certificates

Passports show your biographical information for you, your spouse or common-law partner, and dependent children. Passport photos must comply with Canadian passport photo specifications.

You’ll need a birth certificate or an equivalent document from your birth country for yourself and each family member travelling with you. Birth certificates serve as proof of your date and place of birth. If you do not have a foreign birth certificate, the date of birth indicated on your foreign passport or travel documents will establish your date of birth. You will need a birth certificate to get a Social Insurance Number, enroll your children in school, or apply for government services.

Adoption Certificate

If you identify a dependent child as “adopted” you will require a certificate from a national authority to show that the adoption is legal and approved.

If you declare yourself married, you will need a valid marriage certificate issued by a government authority under the law of the country where you were married.

A divorce certificate and legal separation agreement are necessary if you declare your marital status divorced.

Education and Professional Documents

Carry your educational certificates and official transcripts. These documents prove your education qualifications and you may require them to attend Canadian schools or for employment. And, don’t forget any school records you have for your children!

Post-secondary Diplomas, Degrees, and Academic Transcripts

You may need an education evaluation or credential recognition from an evaluation service, academic institution, or professional association. Such evaluations can help you to find work more easily. You may also require them if you plan to work in a regulated occupation or attend post-secondary schools in Canada.

Many professional associations, universities, colleges, and assessment agencies require the school you attended to send your academic records directly to them. They may not accept the original or a copy of academic documents. You may have to get your documents translated into English or French, depending on the language requirements of the province you are moving to. It’s a good idea to find out what documents the professional association, academic institution, or credential assessment agency requires before you come to Canada. This will also save you time and money and avoid costly delays.

Samples of Your Professional Work

It is helpful to bring samples of your professional work to showcase when you attend job interviews in Canada. Bring your resumé or curriculum vitae. However, you may have to use your existing resume as the foundation to write a Canadian-style resume.

Reference Letters from Former Employers

Canadian employers often request references from former employers before they offer you a job. So, it’s helpful to bring reference letters with contact information. An official reference must be a printed letter on company letterhead and include:

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Your Child’s Education Documents and Records

If you have young children who are immigrating to Canada with you, consider carrying their education documents as well. Your children may have to complete a math and English language skills assessment when you enroll them in school. The assessment results will identify what grade level your child is at and what support they may need to achieve success in school. It’s helpful if you can provide your child’s previous report card or other documents to help place them into the right grade.

Health and Insurance Documents 

Continuing to care for your health when you move to Canada is vital. Health-related documents such as medical records, vaccination records, prescriptions, etc, are helpful when you seek a medical doctor or apply for health insurance.

Medical Records

If you need to complete an International Medical Exam (IME) it’s helpful if you can bring any medical reports or test results for any previous or existing medical conditions.

Immunization Documents

Most people seeking permanent residence in Canada will require an IME. If you do not have adequate immunization records, you may have to start an immunization schedule based on your age and risk factors. This applies to adults and children. Immunizations are not mandatory in Canada. However, children and adolescents who attend school in Ontario and New Brunswick must have proof of immunization.

For the IME, it is not mandatory to show proof of vaccination. However, proof of previous vaccination is helpful, including vaccination against illnesses such as tetanus, pertussis, measles, mumps, COVID-19, and others.

Travel Health Insurance

While you can apply for public health insurance when you arrive in Canada, some provinces have a waiting period before you can receive provincial health care coverage. Buying private health insurance to cover expenses in case of a medical emergency during your first few months in Canada is a smart idea. Without medical health insurance, you could face a large bill for medical treatment or emergency surgery. Having to pay a hefty medical expense is not how you want to begin your new life in Canada. It’s much better to purchase insurance for peace of mind.

Financial Documents and Proof of Funds

Proof of funds show you have enough money to support yourself for at least the first three months in Canada. It can take three to six months to find a job in Canada, and you will need to have money for living expenses until you have a stable income.

Certificates of Valuation and Authenticity for Jewellry and Valuables

You’ll need a list of effects when you land at the airport. It’s also helpful to have certificates of valuation and authenticity (including photos) for jewelry, valuables, and belongings you carry.

Record of Foreign Income, Properties, or Investments

Foreign income is taxable in Canada.

Canada PR Documents You Require When You Land

When you land at the airport in Canada, you will meet with an immigration officer from the Canada Border Service Agency (CBSA). The officer will check that you enter Canada on or before the expiry date on your Confirmation of Permanent Residence (COPR); this date cannot be extended. If there are no problems, the officer will authorize you to enter Canada as a permanent resident.

When landing at the airport, you require your:

While the immigration officer may not ask you for proof of funds, it’s helpful to have.

The officer will also confirm your Canadian mailing address. Your Canada permanent resident card will be mailed to the address you provide. You can notify IRCC if you change your address before you receive your PR card using this online address notification service. The time to process your PR card can vary. However, you can check the IRCC website for current processing times.

Other Documents for Canada PR

International Driver’s Licence

If you plan to drive in Canada, you can get an International Driving Permit (IDP) from your home country. Permanent residents can use the IDP for a defined period (usually 60 – 90 days depending on the province). Be sure to check the specific IDP requirements of the province you are moving to. Some provinces in Canada may allow you to exchange your foreign driver’s license for a Canadian driver’s license, while others may require you to take a driving test.

International Automobile Insurance

If you have a good driving record in your country of origin, you may be able to get a better auto insurance rate in Canada. Bring a copy of your international automobile insurance to show your driving record.

With this comprehensive list of documents for PR in Canada, you can begin to gather and organize them for your convenience. Having these documents before you move will minimize potential delays and help you settle when you arrive.

Communication skills are important for two primary reasons. Firstly, if you apply for Permanent Residence (PR) in Canada you must have strong language skills. You need to show that you can communicate in either of Canada’s official languages: English or French.  And you have to provide proof of your language results from an organization that the Canadian government approves. For example, the International English Language Testing System (IELTS) is a common tool to show your language skills.

Secondly, one of the most important skills that Canadian employers look for is the ability to communicate effectively. Regardless of your title, profession, or industry, strong communication skills will help you to achieve success. Employability skills include managing information, thinking and solving problems, using numbers, using digital tools, and communicating.

Employability skills are the skills you need to enter, go through, and grow in the world of work. Understanding and applying these skills will help you create a set of tools to improve your ability to grow and do well in the workplace and beyond.

Conference Board of Canada, 2022

In 2022, the Conference Board of Canada, in partnership with FutureSkills Centre, defined communication skills as a fundamental skill. Other employability skills include:  

The goal was to identify the top skills that Canadian employers seek. The research showed that employers seek these top three skills:

  1. Soft skills (social and emotional skills)
  2. Personal management skills, and
  3. Teamwork skills.

Communication Skills Defined

While language and communication skills are essential for most jobs, what exactly does that mean? And, how do you show that you have proficient language skills?

To succeed in the workplace, it’s essential to communicate with managers, co-workers, clients, suppliers, and customers. Strong communication skills include: 

In the workplace, you require:

Writing Skills

Strong writing skills are vital for many jobs. Writing skills include your ability to write clearly and concisely. This can include:

Reading Skills

Reading skills include your ability to read and understand: 

The level and type of reading requirements will vary based on the type of work that you do. 

Listening Skills

Listening skills include verbal and non-verbal responses to show the speaker that you are engaged in what they are saying. Active listening allows you to hear, understand, and respond in a meaningful way to the speaker. 

This is an important skill to help you build relationships and trust with managers, co-workers, and others you work with.

Active listening includes: 

Non-verbal feedback, such as nodding your head, shows that you understand what the speaker is saying without interrupting them. It’s a helpful cue you give to the speaker. Other non-verbal cues include:

Active listening allows you to focus on the speaker, listen, and understand another point of view. All skills that will help you to succeed in the workplace.

Speaking Skills

Strong speaking skills allow you to influence others such as managers, co-workers, and customers. Whether you manage a team or are a team member, speaking skills allow you to convey ideas effectively and persuade others. Speaking skills are helpful for most positions and important for any customer-facing role.

Developing “Soft Skills” in the Canadian Workplace

Many newcomers misread their struggle to acquire employment and look to add to their already long list of educational credentials. This is good, but you also need your soft skills to succeed.

Soft skills are a critical factor for success in Canada because when employers ask about “Canadian experience”, they are looking for candidates who can easily adapt to the workplace. They want assurance that you are a match for the job and the workplace culture. When looking for work in the Canadian job market, it’s vital to put your best foot forward.

What Exactly are Soft Skills?

Soft skills remain out of the grasp of many people because Canadians have difficulty articulating what “soft skills” actually include, beyond interpersonal skills. Hard skills are related to your technical ability, credentials, and relevant experience that you already have in abundance. On the other hand, soft skills, or people skills describe how you connect with others, build relationships, solve problems, and interact with others.

Certainly, communication skills are a part of the soft skills package, but it’s only a part. Within communication skills, is the capacity to network with others (which includes the art of small talk), effectively communicate (verbally and non-verbally), work in teams, collaborate with others, and demonstrate empathy. While your hard skills and resume will get you an interview, it is your ability to present yourself in the interview that will make you stand out. This is an important piece of the puzzle and without developing these skills, you may find it difficult to get past the initial interview.

How to Improve Your Communication Skills

Mastering your language and communication skills will help you when you apply to work in Canada. Employers will see your strong communication skills as a strength and help you to stand out among other applicants.

Many settlement services also provide free language instruction. Settlement agencies exist across Canada and can help you with many services such as job-specific language training to help you excel in the workplace.

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When you’re comfortable with your communication skills, you will be more confident in job interviews. As well, strong communication skills will help you to excel in the workplace. 

Government Language Skills Programs

The Canadian government funds many language programs. These programs are available through settlement services, or you can improve your language through the Language Instruction for Newcomers to Canada (LINC) program.

The LINC program provides free instruction to improve basic language skills such as speaking and writing in English or French.  To find a LINC program, click on the links below for the province where you plan to settle:

Alberta

British Columbia

Ontario

Manitoba

New Brunswick

Newfoundland and Labrador

Nova Scotia

Prince Edward Island

Quebec

Saskatchewan

Nunavut

Yukon

Northwest Territories

Benefits of Taking Language Classes

Language classes that the government of Canada funds are:

You can take language classes at community organizations, schools, and colleges. Other benefits are meeting other newcomers and boosting your confidence when you take your language skills to the next level!

What is IELTS?

IELTS (International English Language Testing System) is a popular English language test commonly used by schools and organizations to assess and measure language skills. The IELTS test is also one of the language tests that Canada will accept for people who want to immigrate to Canada.

Some professions in Canada including, engineering, law, medicine, and teaching require a minimum IELTS score. For example, to work as a teacher in Ontario, you require a minimum IELTS score of: 

Organizations like British Council IELTS can help you improve your communication skills with webinars, practice materials, tests, and free online courses. 

Research your profession in Canada to see if you must meet an IELTS requirement.

Communication skills are important because they will ensure your success in the workplace. You can develop your communication skills at home, school, work, and in your community. And many people can help you to build these skills such as your family, friends, neighbours, and co-workers.


A young Asian couple discussing finances and money management while working on a laptop at home. Newcomers must carefully manage money and expenses in their first few months until their finances stabilize.

Whether you have recently immigrated to Canada, or you’re an international student these money management tips will help you build a foundation for financial success. From opening a bank account to filing your first income tax return, discover why these money tips for newcomers are important. Learn how you can carefully manage your money, especially during your first few months in Canada!

Top 10 Money Management Tips for Newcomers

1. Get a Social Insurance Number

Obtaining a Social Insurance Number (SIN) is one of the first money management steps to take when you arrive in Canada. A SIN is vital because it allows you to work in Canada. Your SIN also gives you access to government programs and financial benefits that serve to put money back in your pocket. Ideally, you should apply for your SIN within your first week of arriving in Canada.

Your SIN is confidential and you need to carefully protect it to avoid things like identity theft and financial fraud.

2. Open a Bank Account

Opening a bank account at a local bank will allow you to manage your finances better and avoid significant transfer fees from your accounts back home. Pick a bank close to your home or work for convenience, and, it is a good idea to set up online banking as well.

You can open chequing and savings accounts immediately and walk away with a debit card.

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Types of Bank Accounts to Save for Your Future

3. Get a Credit Card

Credit is an essential part of your financial success in Canada. You will need a good credit history to get a loan or a mortgage, and sometimes to rent a home or obtain a job. With a good credit history, you may be able to obtain lower interest rates on loans for large purchases such as buying a car, or your first home in Canada. Lower interest rates can save you thousands of dollars over the term of the loan.

Getting a credit card in Canada requires either a previous credit history or a deposit that will protect the lender in case you fail to pay your bill. This is also known as a secured credit card. A credit card may also come with incentives such as travel rewards, cash back on purchases, air miles, or a welcome bonus for newcomers. However, you’ll still have to practice good money management habits with a credit card. Things like charging more than 30% of your credit limit can damage your credit score and work against you financially.

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4. Apply for Health Insurance

You can apply for provincial health insurance for yourself and your family as soon as you arrive. Application forms are available at immigrant settlement agencies, doctor’s offices, hospitals, and pharmacies. In some provinces such as British Columbia, Quebec, and New Brunswick, you may have to wait up to three months before you can access the provincial health insurance plan. During the waiting period, you may want to purchase private health insurance to protect yourself from unexpected medical expenses. Learn more about insurance for newcomers in Canada.

5. File an Income Tax Return

If you live in Canada for even a short portion of the current tax year, it’s vital to file an income tax return. Doing so will allow you to access benefits that put money back in your pocket. For example, you may be eligible for the Canada Child Benefit, the Goods and Service Tax (GST) benefit, and many other benefits. If you need help filing your first income tax return, settlement agencies can help you get started.

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6. Assess Your Monthly Expenses

A vital money management tip, especially during your first few months in Canada, is to assess your monthly expenses and spend wisely. Until you find a full-time job, your finances will be unstable. While exploring your new city, take a tour of the nearby supermarkets to get an idea of prices for basic items. Also, be sure to locate discount supermarkets for cost savings that can help you manage your money.

Compare different cell phone and internet provider plans and special offers. And, be sure you understand any contract requirements before you sign it. Ask the provider to explain unclear details and do not feel pressure to sign the contract until you are ready.

There are several free online budget trackers, such as this money finder calculator to help with money management.

7. Make a Budget to Help with Money Management

No doubt, you researched living costs before you arrived in Canada. But, when in Canada, you’ll know the actual costs of rent, utilities, insurance, and other expenses. A budget that tracks your income and expenses will identify where you are spending your money and give you greater financial control. Your rent is likely to be the largest portion of your monthly budget.

8. Access Low-cost and Free Goods and Services to Manage Your Money

While it is tempting to start your new life with shiny new items, it is not always financially smart. Visit free websites such as Kijiji.ca or Facebook Marketplace for free or low-cost items. Immigrant settlement organizations can direct you to places where you can access furniture donations. In large buildings, renters who move out often place ads to sell their furniture at affordable prices.

Checking out garage sales and yard sales is a national pastime in Canada! This cost-saving money tip can save you money on household items and other goods. Also, library cards are free and allow you to borrow books and save on entertainment. Everywhere you look, you’ll find opportunities to manage your money and reduce costs, you just need to take advantage of them.

9. Shop Wisely with These Money Tips

Get into the habit of shopping wisely! Use coupons, avoid customer traps such as extended warranties, apply for customer loyalty cards at major stores, and resist the lure of special offers on items you don’t need. Explore neighbourhood produce and butcher shops because sometimes they offer lower prices.

10. Shake Off Bad Money Management Habits

A female newcomer is standing in her kitchen and paying a utility bill online. Paying bills on time is a smart way Canada to manage your money and boost your credit score in Canada.
Paying bills on time is a smart way to manage your money and boost your credit score in Canada.

Often, newcomers experience a state of excitement similar to that of tourists on holiday. While it is fine to enjoy your first weeks in Canada, the reality is that you are not on holiday, so avoid spending like you are. A new start in Canada is a great chance to develop good money management habits and get rid of bad ones. Whether it’s sticking to a budget, or paying your bills on time, now’s the time to start fresh and manage your money wisely.

These financial tips will help you manage your money, lower stress, and build a strong financial foundation in Canada.

A young woman is composing an email to politely refuse a job offer

It feels great to get to get your first job offer in Canada, especially if you have been job searching for a while. And, it’s helpful to gain Canadian work experience! However, it’s important to make thoughtful decisions when facing a job offer that may not be a fit. You may want to refuse a job offer for several reasons. For example, the job may not align with your long-term goals or the organizational culture doesn’t align with your values. Navigating the job market can be challenging, but when you understand when and how to refuse a job offer in Canada, you’ll make smart career decisions. Keep reading to gain insights on how to politely decline a job offer. When you refuse a job the right way, you’ll maintain professional relationships, and leave the door open for future opportunities!

Understanding the Importance of Making the Right Decision

Accepting a job offer in Canada is exciting and it allows you to start a new chapter in your professional life. However, it’s equally important to recognize that not all job offers will be a perfect fit for you. Making the right decision and knowing when to refuse a job offer can save you from potential disappointment and ensure that your career remains on the right track. Or, you may need a survival job, especially in the first few months after you arrive in Canada. Only you can decide the best approach for your unique needs.

Signs that You May Want to Refuse a Job Offer

When you receive a job offer, you need to assess whether the role aligns with your long-term goals and aspirations. Signs that indicate you may want to refuse the job offer include:

By recognizing these signs to refuse a job offer, you can make an informed decision that will benefit your career in the long run.

Factors to Consider Before You Decline a Job Offer

Before you decline a job offer, consider these factors that may influence your decision. Ask yourself if the offer aligns with your career goals, values, and personal circumstances. Evaluate the company’s reputation, financial stability, and growth potential. Additionally, consider the location, work-life balance, and potential for skill development. By carefully weighing these factors, you can make an informed decision that supports your professional growth and satisfaction.

Consider if the job matches your skillset. If you think the job may be too challenging, you might want to think twice before you accept the job offer. If the role is too challenging, it may cause undue stress. However, if the company wants to hire you, they must be confident in your ability and qualifications for the role. So, take a second look at yourself to see if you are up for the challenge. You may surprise yourself!

If you are overqualified for the role, then you may be dissatisfied with the role and you may want to leave after a shortperiode. Only you will know how to best handle this situation and a job that is too easy is better than a job that leaves you frazzled at the end of the day.

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Explore Your Options Before You Reject the Offer Letter

Before outright refusing a job offer, carefully review the job terms in the offer letter. Perhaps your job title doesn’t match your experience. Or, you would higher pay. You may be able to negotiate your salary or other aspects of the job offer such as benefits, or work hours. If the company is open to negotiating the terms, it may be possible to find a compromise that meets your needs. Additionally, it’s worth considering if other positions within the company may be a better fit for your skills and career goals. By exploring these alternatives, you can potentially turn a less-than-ideal offer into an opportunity that aligns more closely with your career goals.

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How to Politely Decline a Job Offer

Tactfully declining a job offer is essential to maintain professional relationships and leave the door open for future opportunities. Start by expressing your gratitude for the offer and the time and effort invested in the interview process. Be honest about your reasons for declining and focus on the factors that do not align with your long-term goals or values.

Keep the conversation positive and professional. By politely declining a job offer, you’ll demonstrate a professional image and leave the door open for future possibilities. Use professional language and maintain a respectful tone throughout the conversation.

Keep in mind that the job market is a small world, and maintaining positive relationships can benefit you in the future. Leave the employer with a lasting positive impression! If appropriate, offer to stay in touch and express your interest in future opportunities.

Seeking Professional Advice When Unsure About Refusing a Job Offer

If you find yourself unsure about whether to refuse a job, seeking professional advice can provide valuable insights. Reach out to mentors, career coaches, or industry professionals who can offer guidance based on their experience and expertise. Many settlement agencies in Canada offer job search services. Settlement counsellors can help you assess the offer and provide objective perspectives to help you make an informed decision. By seeking advice, you can gain clarity and confidence about your decision.

Summary

Navigating the Canadian job market can be challenging. When you understand when and how to refuse a job offer, you’ll make the right decisions so you can successfully achieve your career goals. It’s vital to assess signs that indicate you may want to decline the job offer. Consider the factors that may influence your decision, and handle the process with professionalism and effective communication. Seek professional advice when needed, and make it a priority to make the best decision for a fulfilling career journey in Canada.

With rising rental costs, finding affordable housing in Canada can be challenging. For newcomers, this can be a frustrating obstacle to overcome, especially in your first few weeks and months in a new country. In this article, we outline practical solutions to help you stay within your affordability range. With patience and persistence, you will discover options that can help you save money for accommodation in Canada without compromising comfort and quality.

Affordable Housing Statistics in Canada

Facing a declining supply of rental housing, especially in major cities like Toronto and Vancouver, costs for rental accommodation are rising at unprecedented rates. According to recent rental statistics from Rentals.ca, average asking rents reached a record high of $2,117 in August 2023. This makes it difficult to find and budget for high rental costs. However,  there are still affordable housing options available across the country.

What is Affordable Housing?

Affordability is based on the proportion of your income that you pay for housing. An affordable home will require a smaller proportion of income, while an unaffordable one is larger, for example, greater than 30% of your before-tax household income.

Affordable housing is a broad term that includes housing that the private, public, and non-profit sectors provide. It also includes all forms of housing such as rental, ownership, and temporary and permanent housing.

Affordability At-a-Glance

According to Aled ab lorwerth, Deputy Chief Economist, Canada Mortgage and Housing Corporation, Canada needs to dramatically increase the supply of housing to restore affordability by 2030.

In the meantime, the  Canadian government is making efforts to address the issue of affordable housing. They have implemented various programs and initiatives to help individuals and families find affordable accommodation.

Renting Options that Can Help with Affordable Housing

Renting is a popular option for individuals and families seeking affordable housing in Canada. In fact, Statistics Canada reveals that about one-third of Canadian households rent their residence. Keeping in mind that rental prices vary depending on the type of housing, location, size, and condition of the property, here are some tips to find affordable rental options:

1. Look for rental properties in up-and-coming neighbourhoods

Consider searching for rental properties in areas that are undergoing revitalization. These areas may offer lower rent prices compared to more established neighbourhoods. 

2. Keep your eye open for rental listings that offer incentives such as:

Incentives, especially like utilities included in your monthly rent can lower your housing costs by a large amount. 

These are examples of rental listings in cities across Canada that cover utilities such as heat, water, and electricity (using the “Utilities” filter.)

EDMONTON

HAMILTON

OTTAWA

3. Consider sharing a rental property to help with affordability

Another option to consider is sharing a rental property with others. This can often lead to lower rent prices compared to traditional rental properties. And, for newcomers, home-sharing can be a great way to ease financial pressures, expand your social network, and add to your quality of life!  

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Addressing Affordability in Major Cities in Canada

Affordability in major cities where the vacancy rates fall below 2 percent, like Toronto and Vancouver, can be out of reach for many individuals. And, for newcomers trying to achieve financial stability in Canada, securing affordable housing is even more important.

However, there are still options if you want to live in these cities without breaking the bank.

One option to consider is micro-apartments or micro-condos. These smaller living spaces are becoming increasingly popular in major cities as a way to provide affordable housing options. While they may have a smaller footprint, they often come with amenities and innovative design features to maximize space.

Another option to explore is purpose-built rental buildings. These buildings are specifically designed for rental purposes and often offer more affordable rent prices compared to privately owned properties. Professional property management companies usually manage purpose-built rental buildings ensuring quality and affordability.

Tips to Find Affordable Housing

Woman using an online website to search for rentals. Affordability is a major challenge for newcomers seeking accommodation in Canada.
It’s important to start your search early and be flexible when searching for housing.

Finding affordable housing can be a challenging and time-consuming process. However, with the right strategies and resources, you can increase your chances of securing an affordable home. Here are some tips to help you in your search:

1. Start your search early 

Facing a shortage of affordable housing, it’s important to start your search well in advance. Give yourself plenty of time to explore different neighbourhoods and visit properties. Another challenge you may face is that you’re likely competing with many others in the market for affordable housing. In this case, choice properties may be off the market quickly.  

2. Know how to ‘sell yourself’ to potential landlords

In cities with tight rental markets with low vacancy rates, you will be competing with many others in the market for affordable housing. In this case, you need to ‘sell yourself’ as the best possible candidate for the landlord to select.

How Newcomers to Canada Can Impress a Landlord 

Why Tenant Insurance for International Students is Vital

3. Utilize online resources

There are several rental websites and online platforms to help you search for rental properties that meet your affordability price range. And, you can filter your search by price range for greater search ease.

4. Network and seek affordable housing recommendations

Reach out to friends, family, and colleagues who may be able to recommend affordable housing options. People in your network may know of future vacancies that are within your budget and are not yet listed on rental websites.

5. Be flexible

Flexibility is key when searching for affordable housing. Consider compromising on certain amenities or locations to find a more affordable option. Keep an open mind and be willing to explore different possibilities, including basement apartments.

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6. Seek professional assistance

If you’re feeling overwhelmed or unsure about the process, consider seeking assistance from professionals such as real estate agents who can guide and support you throughout your search. 

7. Explore smaller cities

Smaller cities that surround major cities may offer more affordable housing and provide easy access to amenities and public transit. For example, you can explore smaller cities within the Greater Toronto Area (GTA) such as: 

With the rise of remote work and flexible schedules, living outside the city center is becoming a viable option for many individuals and families.

While the challenges of finding affordable housing in Canada may seem daunting, solutions and options are available. Remember, finding affordable housing requires persistence and patience. Don’t be discouraged if it takes time to find the perfect fit. By using the available resources, you can increase your chances of finding suitable housing that is within your budget.

The Canada Job Bank is a vital tool to research your profession or trade in Canada. This Government of Canada resource allows you to search for jobs in your field and apply for them online. Canada Job Bank is a great tool for newcomers before and after arrival. Researching your profession before you arrive will help you understand job requirements so you can continue your career. Canada Job Bank will help you do just that. It provides detailed information for each career in Canada to help you develop your job search approach.

Canada Job Bank can provide insightful information about your career in Canada based on your:

With this in mind, let’s discover how to use Canada Job Bank and kickstart your dream career in Canada!

Researching Your Profession is a Vital First Step

Moving to a new country is a major life decision. While it can be a thrilling and exciting experience, you may also feel uncertain. You may be thinking:

These are important questions to consider before you move to Canada. The answer to these questions for your field will help make your transition into Canada’s workforce easier. By researching, you can determine how and where to continue your career successfully.

Because the labour market in Canada varies, you need to know how your job skills align with the labour market needs. For example, locating in the Atlantic region of Canada when you have experience in the oil and gas sector wouldn’t be wise. Instead, you would want to consider Alberta, where there is a strong oil and gas sector.

Ideally, you want to identify the provinces and cities with a demand for your profession, skills, and experience. Fortunately, the Canada Job Bank can provide the information you need to make important career decisions.

What is the Canada Job Bank?

The Job Bank is a useful tool to conduct research related to your profession or trade in Canada and apply for jobs for which you are qualified. This portal provides vital labour market information that allows you to: 

Canada Job Bank is a free resource that the Government of Canada manages in partnership with provinces and territories. You’ll discover that both the website and mobile app are simple to use, convenient, and provide information that you can trust. Canada Job Bank can help you find jobs in your field and plan your career using its thorough research tool. As someone looking to continue their professional journey in Canada, the Job Bank is the perfect place to start.

The trend analysis section of the Canada Job Bank is filled with useful information about job prospects all across Canada. You can also find a 10-year analysis for your occupation. So if you’re researching the Canadian job market, this is a helpful resource to learn about your occupation. With this information, you can:

Identify the job prospects for your industry (good, fair, limited, undetermined)

Questions to Consider:

When researching the trends, consider these questions:

Using Canada Job Bank Wage Information

Another useful section of the Canada Job Bank is the wage information. You can find the average wages per hour for your occupation, including the following:

This information can help you identify what you can expect to earn in Canada. For example, some sectors, such as technology, generate high incomes. It’s a high-wage sector that also attracts highly skilled immigrants. However, when considering average wages, it’s also important to consider the cost of living and housing affordability versus salaries.

For example, British Columbia has a strong technology sector. And while technology wages are high, so is the cost of living and housing in Vancouver, BC. So when choosing a city to locate, it’s helpful to consider the cost of living versus average wages.

You may want to explore job prospects in a small or medium-sized city. While the average wages may be lower, you’ll likely discover it’s more affordable than a larger city such as Vancouver or Toronto.  Rentals for Newcomers is a practical and easy-to-navigate site to help you find housing and make an easier transition to life in Canada! And you can even determine the average cost of renting in each city. This is helpful since rental prices change often.

Questions to Consider

Answering these questions can help you decide how you want to move forward. Many newcomers get other certifications or take a new course for credential recognition. This will help you transition better into the Canadian labour market. And if you strategically get the correct certifications, you will ultimately get paid more.

By understanding the trends in your profession and accounting for wages, you can make an informed decision about your next step.

Using the Job Search Tool

With more than 80,000 jobs listed on the job bank, you can browse jobs based on: 

The Canada Job Bank search tool is helpful if you are in Canada and ready to work. This is because employers want to fill job vacancies as quickly as possible.

Can I Apply for Canada Job Bank Jobs Before I Arrive?

If you are still in your home country, you can apply for Canada Job Bank jobs before you arrive. The Job Bank services and tools are available to help job seekers find employment opportunities Canada-wide, regardless of citizenship or immigration status. However, some jobs require Canadian citizenship, permanent residency, or a work permit visa. You must carefully review the job description to ensure you meet the immigration requirements before you apply.

In any case, the job bank search tool can give you an idea of the types of jobs available, job duties, and requirements, including:   

This information can help you assess if you have the skills employers require.

You can also browse job boards and read the job postings for your profession. Note the types of skills and experience that Canadian employers seek. Assess whether or not you possess similar skills and experience. If you have any skills gaps, make a plan to close or narrow the gap if possible.

Questions to Consider When Using the Job Bank Search Tool

Researching the Canadian job market is essential to ensuring a strong job market for your profession, skillset, education, and experience. A good place to start is with the Canada Job Bank to research your profession and apply for jobs where you meet the requirements.

Two female entrepreneurs are excited and celebrating starting a small business in Canada.

Small businesses are a vital part of Canada’s economy. In fact, small businesses (with less than 100 employees) make up close to 98% of employer businesses in Canada. And, for many newcomers starting a small business in Canada can be a rewarding experience. However, it’s essential to understand what’s required to ensure your success. Check out these eight steps to know and do if you’re interested in starting a business! From understanding your market to small business financing, you’ll discover helpful information and resources to move you in the right direction.

Step One: Conduct Market Research

A small business usually starts with a simple idea. Maybe you have a new product idea or invention. Or maybe you want to distribute products from your homeland to the Canadian market (or vice-versa). You may want to purchase an existing running business or franchise. Or maybe you have a specialty service to market as a self-employed person or a small boutique firm (i.e. web designer).

But, before you venture further, you need to better understand the market or need for your product or services, particularly in the Canadian context. Ask yourself if there is a need in your community. What is your target market? Is there a demand for the product or service? While there are many reasons why small businesses fail in Canada, a common reason is a failure to conduct market research.

You have to do plenty of market research (see Industry Canada, a great resource for this), plus look at your local market and competitors. For example, if you’re planning to open a sushi restaurant in a specific city or neighbourhood, find out who your competitors will be, including sushi and other restaurants.

Starting a small business is one thing, but how will you structure it? There are many things to consider related to how you form your business and its legal structure. There are pros and cons with different types of legal entities, which include:

You must also decide on and register a business name. You will require proof of registration to open a bank account, for example, for the company.

Step Two: Create a Business Plan

Once you have a clear understanding of the market, and feel your business meets a need, the second step is to write a business plan. A business plan is an essential document for launching a small business in Canada. Do you understand Canadian business plan standards? Find help in writing a plan with a professional consultant or these online resources:

BDC

Small Business BC.

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Step Three: Explore Small Business Financing

Most small businesses take time to start earning a profit. Do you have financing in place to not only start your business but keep it afloat?

Financing is one of the biggest challenges for start-up businesses, particularly if you are a newcomer with a limited amount of credit history in Canada. Various options for financing your business include:

Step Four: Create a Sales and Marketing Strategy for Your Small Business

Do you know how to effectively market your business in today’s social media-savvy climate? Do you have a social media strategy? 

For many small businesses, especially for mom & pop stores, small restaurants, and boutiques, profit margins can be pretty tight. Your next goal is to grow your business by increasing your efficiencies and maximizing your profits.

What’s Coming In?


Increasing your sales is critical to growing your profit. The first part of increasing your sales is having a product or service that meets a consumer’s need at an appropriate price point. The second part is to create a sales and marketing strategy to get the word out!

What’s Going Out?


Are the costs of running your business too high? Look at ways of cutting your overhead. Assess your suppliers and look for competitive pricing.

Labour, of course, is one of the biggest expenses you’ll have, so it’s important to hire well and retain quality staff by creating a positive workplace environment that keeps your employees in your corner.

Be a Socially Responsible Business

A socially responsible business is all about combining economic and financial goals with social, environmental, and/or humanitarian goals. It’s about companies who know that “doing good” is good for business.

Here are some examples of how small businesses can be socially responsible:

Step Five: Hire and Retain Staff

Hiring and retaining staff can be one of the most costly, frustrating parts of owning a small business. But hiring your first employee or adding new members to the team can help to transform your business. When recruiting and hiring new employees in Canada, a key priority will be to hire the right person with the right skills and experience for the job.

https://www.prepareforcanada.com/before-you-arrive/working-in-canada-before-you-arrive/first-90-days-in-the-canadian-workplace-success-tips

Step Six: Maintain Your Small Business Records

From accounting to paying taxes, a successful business is organized and maintains its records. Keeping track of your finances with proper accounting and bookkeeping is critical for successful small businesses.

Proper bookkeeping can help you keep track of expenses and cash flow, and measure your bottom line.

Not all owners have the skill, expertise, or time to manage all these financial details on their own, however. Hiring a financial professional – be it as an employee or a freelance consultant can ease this burden for many owners. And while you may worry about the expense of such services, a professional can actually save you money by showing you how to better manage your money, save on taxes, and more.

There are different types of professionals you can hire such as:

If you’re starting your business out on a small scale, you can at least rely on popular software like Quickbooks to help you manage your finances.

Don’t Forget about Taxes and Regulations When Starting a Small Business

The Canadian economy is driven by the small business sector. Even though many small businesses have just one owner and a handful of employees, there are many taxes and regulations the business must still contend with.

There are basic tax requirements such as Goods and Services Tax (GST) and/or Harmonized Sales Tax (HST or provincial sales tax) that you must comply with.

Then there are numerous permits, licences, and regulations related to your employees such as minimum wage, maximum work shifts, vacation pay, and more.

If you’re new to the country, it is worth the investment to have a qualified tax professional and/or lawyer in your corner to help you navigate the rules and regulations when starting a small business.

Step Seven: Invest in the Right Technology When Starting a Small Business

Using the right technology, from back-end software to a great web presence, will help you succeed in your business. 

No business today can operate without the proper technology, so it’s important to invest in this aspect of your business, to keep both the back end (i.e. accounting software, servers) and front end (i.e. cash registers) working smoothly.

In addition to your basic computer hardware and software needs, here are several additional technologies to consider:

Step Eight: Develop Your Professional Skills to Help Your Small Business Excel

Do you have the professional and leadership skills to keep your business running? It’s a question few business owners ask themselves. Finding a mentor can help. Learn more about mentoring in Canada.

With small business as a key driver of the economy in Canada, newcomers often find starting a small business is a rewarding opportunity. With support and a strong understanding of these eight steps you can be well on your way to achieving your small business dream.

For information, tools, free webinars, and more visit our Finding a Job in Canada resource page. Get the help you need to achieve your career goals in Canada!

For newcomers, learning to drive a car can be an important first step. If you have never had a driver’s license before, we’ll explore learning to drive and how to get your driver’s license in Canada.

A driver’s license will help you do many practical activities such as: 

Learning to drive can also allow you to do personal activities like going on exciting road trips, discovering charming small towns, and enjoying scenic drives.

A driving license can also be used as an official piece of Canadian identification. Just one more benefit of having a driving license.

Obtaining your driving license is also helpful if you plan to live in a suburb where communities are more spread out. That distance can make it challenging to get around without a car.

Already Have Your Driver’s License?

You may already have your driving license from your home country. If you currently have a driver’s license you may be able to take advantage of the foreign license exchange agreement or get credits for your foreign driving experience. This will allow you to obtain your Canadian driver’s license more quickly.

Getting Your Driver’s License for the First Time? Where to Start

Getting your driver’s license in Canada may vary depending on the province where you reside. However, all provinces will require you to pass driving tests:

Your First Weeks in Canada | Developing Your Action Plan

Arriving with an action plan for your first weeks in Canada can save you time and money. The quicker you settle into your new environment the faster you’ll feel at home! In this webinar, Your First Weeks in Canada, we discuss the important things to do to manage your first weeks efficiently.

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Getting your G1 Driving License

When you successfully pass the driving theory exam and the vision test, you will get your G1 driving license. With a G1 driving license, you are only allowed to drive when there is a fully licensed driver in the car with a minimum of four years of driving experience. As well, there are other restrictions that you have to follow. 

Getting Your G2 Driving License

To graduate from your G1 to a G2 driving license, you have to pass a road test of your basic driving skills. You can take this driving test after you have been a G1 driver for 12 months. 

Getting Your Full G License

To get your full G license, you must pass a test that covers advanced driving skills such as parallel parking and driving on a highway. You can take this driving test: 

If your G2 driving license expires, you must redo all the tests. So it’s important to complete your G license driving test before your G2 expires.

When you pass your G driving test, you will successfully get your full G license and can drive any car, van, or small truck!

Learning to Drive a Car with a Professional Driving School 

Driving School

If you do not have a driver’s license from your home country and have never driven before, you may want to learn to drive in Canada. A beneficial way to learn to drive is to take driving lessons before you get your license.

When you take driving lessons you can gain several benefits. For example, you can:

  1. 1. Increase your safety: You’ll learn the rules of the road and the best driving techniques. From winter driving in Canada to avoiding a collision, you will increase your safety and the safety of others.

2. Develop good driving habits and skills: You’ll get the practice you need to drive with confidence and the skill to pass your driving test in Canada. 

3. Learn with professional driving instructors: With an experienced and professional driving instructor, you’ll learn the proper driving techniques and common mistakes to avoid. Activities like speeding or following too closely can amount to expensive tickets, collisions, and serious injury to yourself or others.

4. Get your driving license faster: When you complete your driving lessons and receive your certificate, you can take your driving test eight months after you complete your written test. Without a driving certificate from a qualified driving school, drivers must wait 12 months before they can take the G2 driving test. Learn more about Canada’s graduated licensing system. 

5. Reduce your insurance rates: With a certificate from a driving school, you may be rewarded for your time and effort with lower car insurance rates. However, the driving school you attend must be approved by the provincial Ministry of Transportation. Click here for approved driving schools in Ontario.

Key Takeaways About Learning to Drive a Car:

  1. 1. Learning to drive a car in Canada can allow you to do many practical and personal activities.

2. While the process to get your driver’s license may vary slightly across Canada, all provinces use a graduated licensing system. This system allows you to progress from a G1 license to a G2 license, and finally to a full G license.

3. To learn to drive in Canada with confidence and skill, you can consider taking driving lessons from a government-approved driving school. Driving lessons provide many benefits, including lower car insurance rates in Canada which will save you money. 

The first 90 days in a new job in Canada is an important time to demonstrate to your manager that you have what it takes to achieve success in the role. In addition, some employers may state that you must complete a 90-day probationary period. With these tips for success in your first 90 days, you can be proactive and ensure that you meet and exceed their expectations. This information is vital, especially if this is your first job in Canada and you want to understand the Canadian workplace.

The First 90 Days in Your New Job in Canada: 10 Smart Tips for Success

During your first three months on the job, your new employer will assess your performance, skills, and abilities and determine if you are a good “fit” for the role and the organization. Your direct manager will also assess if you fit the organizational culture. However, it’s also a critical time for you to evaluate if you are happy with your job and employer. If you meet performance expectations within the first 90 days in your new job, and you are satisfied with the job, you can achieve long-term success with these tips. 

1. Understand the Canadian Workplace

The workplace culture in Canada will vary for each company and industry. Do your best to make a great first impression and be open and friendly with your colleagues. Your workplace relationships in Canada are important and help to build trust among coworkers and other teams. A high-trust work environment contributes to workplace efficiency, productivity, and a positive work environment. 

As a newcomer, you may think that you need to change your behaviour to fit into the Canadian workplace. And while you may find some workplace etiquette different, you’ll pick up the behaviours when you start working.  Canadian employers value diversity in the workplace and recognize how it contributes to improved business outcomes.

2. Know the Company’s Core Values, Products, or Services

You likely researched the company during the interview process.  Now it’s time to expand on that knowledge from the inside of the company. This shows your Canadian employer that you are committed to not only your own success but also that of the organization. Sometimes new employees focus too much on their individual roles and responsibilities and lose sight of what the company is trying to achieve.

Many companies will host a new employee orientation. This orientation can vary in length from a half-day to a day-long session and usually takes place during your first week with the company. This is a great opportunity to learn more about the company’s culture, values, products and services, and key policies and processes. Examples of core policies include:

A new employee orientation also serves to define the specific behaviours that will contribute to your success in your new job, for example:

Canadian Style Resume Template

Writing an effective Canadian-style resume can be challenging. That’s why we are here to help. Our free Canadian-style resume template will give you all the information you need to create a resume tailored to the Canadian job market. This template takes all the guess work out of creating your resume, so you can focus on what matters the most- getting the job.

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3. Find a Mentor in Your First 90 Days

Finding a mentor to show you how things get done in the Canadian workplace is invaluable. Some companies may even assign someone on the team to help you succeed in your first 90 days in a new job. This can provide short and long-term benefits for your career success. With a mentor, you will have someone to go to with any questions who can help you quickly achieve results.

4. Get the Answers You Need in the First 90 Days

You are new and as such, you get to ask all of the questions you want without judgment.  This is the time to focus on learning every aspect of your job and aim to contribute as quickly as you can. The sooner that you can shed the appearance of being the new kid in class and graduate to a confident member of the team the better. Your manager and colleagues want to share their knowledge with you to help you succeed in your first 90 days in your new job.

5. Become a Collaborative Team Member in Your First 90 Days

Canadian employers place a high value on teamwork and collaboration to help them achieve their goals. This means fostering positive relationships and building networks. While you may want to complete your work with a minimal amount of socializing, it’s vital to build connections with your team to achieve results. 

6. Get Your Name Out There

It’s important to introduce yourself to other colleagues within the first 90 days. Often called, “meet and greets”, these short 20 – 30 minute meetings allow you to meet others, learn about their roles, and how you can expect to work with them. This will give you an understanding of what others do so you’ll know who to speak to when you have a question. Initiating a “meet and greet” with the key people in your workplace will quickly help you to build relationships.

While it can feel awkward to introduce yourself and ask for help, stepping outside of your comfort zone will be vital to your success in your new job. 

7. Be Social and Positive

The lunch break is a great time to get to know your coworkers within your first 90 days. If everyone brings a lunch and hangs out together then follow suit. Or, join your team occasionally if they go out to eat lunch. You’ll get to explore the area around your office as you get to know your coworkers.

You need to be on top of your game in your new job so you should allow yourself some time to adapt to the new position and work environment. The important thing is to stay positive while you navigate your first 90 days in your new job.

8. Share Your New Ideas

As a new employee, you bring a fresh set of eyes and you may be able to see something that could improve how the team or company operates. Your input can generate ideas and innovation. However, you also want to avoid being critical. So be sure to convey a compelling message and rationale for providing your ideas. 

9. Dress for the Job

Multi-ethnic employees in a group photo and dressed in business casual attire.
Many companies in Canada have a “business casual” dress code.

If there is a dress code then you need to make sure that you adhere to it and that you are presentable. The dress code is something that you can learn more about in the employee orientation. However, you can also observe what others wear in your office. It is possible that the official dress code does not align exactly with what you are expected to wear. For example, your manager may dress more formally every day, especially if they are meeting with senior leaders or external clients. However, they may not expect you to dress formally. But, it’s important to find out how you are expected to dress to get it right.

In Canada, many companies have a business casual dress code. This means that men don’t have to wear a suit and tie, and women are not required to wear a structured blazer with a matching skirt or slacks. In some cases, the organization may allow you to wear denim. However, be sure to look presentable and avoid wearing distressed denim.

10. Go the Extra Mile

You would be amazed at how far a little extra effort can take you, especially in your first few weeks and months. Once you have established yourself as someone who gets things done you can look forward to a promising career beyond your first 90 days! 

It’s an exciting time when you land your first job in Canada. But it can also be overwhelming when you want to exceed expectations. Recognizing the importance of your first three months in your new job, these tips will help you navigate the road to career success in Canada!

When searching for your first home, here are five tips to ensure you get the best mortgage rates in Canada. And, to get the best rates will require you to research so you know how to select a mortgage that’s right for you. Many newcomers arrive with savings to own a home and establish roots in Canada. And getting the best mortgage rate can save you thousands of dollars over the course of your mortgage.

Buying your first home in Canada is an exciting time to make your dream of homeownership a reality.  But at the same time, it can create stress and confusion. You may have questions about the real estate process in Canada, the lending process, or other important questions. And, buying a home is likely the largest and most important decision that you will make. So, it’s important to understand what’s involved, and how you can save thousands of dollars with the best mortgage rate.

5 Mortgage Rate Tips

Tip 1. Do Your Research

A home purchase is a major investment. So, research the housing market in Canada and the lending and real estate process. Do your research so that you’re confident with the decisions you’ll have to make every step of the way. And, this includes understanding the different types of mortgages:

Tip 2. Save for Your Down Payment to Get the Best Mortgage Rate

Your down payment is money you pay towards your home purchase. It is deducted from the purchase price of your home. And, the remaining amount will be covered by your mortgage loan.

A 2019 survey conducted by Royal LePage revealed that 75% of newcomers arrive in Canada with savings to purchase a home. And the great news is that those savings can help you to get the best mortgage rate.

You can get a conventional mortgage loan if you can pay 20% or more of the property value. But, with less than 20% of your down payment, you’ll get a high-ratio mortgage. And, high-ratio mortgages require home buyers to purchase mortgage default insurance.

This mortgage insurance allows homebuyers to buy a home with less than a 20% down payment of the purchase price. However, mortgage insurance only protects your lender. Therefore, it’s important to understand the terms and conditions of mortgage insurance if you’re unable to pay your mortgage.

Homebuyers require a minimum down payment of 5% of the home purchase price. So, if you have less than 5%, keep saving!

When you have a bigger down payment it can save you money over the lifetime of your mortgage. But, if you have less than 20% of the purchase price, your lender will require you to pay for mortgage insurance.

Tip 3. Improve Your Credit Score

There’s nothing like a poor credit score to stand in the way of getting the best mortgage rates in Canada. The minimum required credit score to get a mortgage in Canada is between 620 – 679. But, with a good credit score (usually between 680 – 724 points), you may get better borrowing rates.

Although, even with a good credit score, it’s smart to practice good financial habits to increase your ability to borrow money. For example:

Tip 4. Get Professional Advice about Mortgage Rates

If you’re a first-time homebuyer, working with a mortgage broker can help you navigate the complexity of mortgage products, options, and features. A mortgage broker can access a broad range of financing options.

Buying your first home in Canada can come with uncertainty about unexpected costs, affordability, or paying too much for your home. And, you’ll likely have questions that a mortgage broker can answer.

A professional mortgage broker can inform you about mortgage options and features. Because different mortgage options may be more suitable for you based on your needs and plans. For example, you will need this information to help you make decisions related to:

In addition to knowledge and experience, mortgage brokers can:

Lenders may have important restrictions related to each mortgage option which can cost you more money. Working with a mortgage broker can save you thousands of dollars in costs.

Tip 5. Get Pre-approved for a Mortgage

When searching for your new home, it’s difficult to predict if mortgage rates will increase or decrease. So, a pre-approved mortgage can protect you against interest rate hikes while you search. With a pre-approved mortgage, you can lock in a mortgage rate for up to 120 days. In addition, getting pre-approved will help you understand how much you can afford to buy your first house in Canada.

Female mortgage broker showing a young couple a presentation on a laptop computer.
Mortgage brokers work on your behalf to get the best possible rate.

Do I Need a Mortgage Broker?

You can get a mortgage from your bank or a mortgage broker. However, working with a broker who is a subject matter expert with specialized mortgage knowledge can offer several advantages. For example, you can:

A broker works with several lenders including top banks, credit unions, and other lenders to get you a more flexible deal. And with one single mortgage application, they get several lenders to “bid” for your business to get you the best possible rate.

In addition, a mortgage broker acts as a single point of contact who can manage everything from applying for the mortgage to negotiating your rate and disbursing the funds. All of this can create a stress-free experience, especially if you’re unfamiliar with the process.

Key Takeaways:

Establishing roots in Canada through home ownership is exciting! Achieve your dream with the best mortgage rate to save you thousands of dollars for your mortgage.