Join the Scotiabank StartRight® Program designed for Newcomers‡ and get up to $2,300* in value in the first year.
If you’re a newcomer thinking about buying a new car in Canada, the auto market offers a wide range of vehicles to meet different financial situations, lifestyles, and driving habits. If you’re in Canada from a country with a smaller auto market and fewer choices, this can be daunting as you begin your search. Buying a new car is often the second most expensive purchase after buying a home. So it’s worth it to do some research to determine what kind of vehicle will suit your needs.
But before you buy a new car, it’s a good idea to consider if you even need a new car. Most large cities like Vancouver, Toronto, Calgary, and Edmonton have extensive public transit systems. Public transit allows you to move about cost-effectively and conveniently. Or you can even consider buying a used car. However, if you still want to buy a new car here are some important things to do and think about.
Talk to people who own the make and model of the car that you are interested in buying. That way you can get first-hand knowledge about their experience. Their insights about reliability, repair costs, and gas mileage can be helpful information that can save you money. Also, don’t be invested in brand loyalty too heavily as the quality gap between domestic and import brands has narrowed in recent years.
You can also research Canadian automotive websites that are full of reviews and road tests for all types of vehicles. Specific factors to research include:
Be sure to evaluate how the car you want to buy compares to the competition’s price.
Before buying a new car it’s worth knowing how you can get the best price for your new vehicle. Here it’s important to the difference between the suggested retail price (SRP) and the dealer invoice price.
The MRSP is also commonly known as the list price or “window sticker” price. This is the price point that new car dealers work from. In many cases, you can negotiate a lower cost. However, if the car is in high demand, it may sell for more.
This is the actual price the dealer pays the manufacturer for the vehicle. And there is usually some variance. The price margin is important as it tells the new car buyer how much profit the car dealer can make on the sale of the car and help you negotiate a lower price.
Car dealers commonly offer special promotions, factory/dealer rebates, and other incentives to increase car sales. Find out when manufacturers and dealers offer these programs before buying a car as you could make big savings.
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There are different Canadian automotive websites that show what manufacturers and dealers are offering incentives and for what models. Also, some good times to look for and buy a new car include:
Car dealers will offer other incentives to new car buyers such as no interest payments, low financing rates, attractive leasing rates, and cash rebates.
Before you buy a car, it’s important to take a test drive. The car dealership will allow you to take a half-hour test ride on urban and highway roads so you can get an idea of how the vehicle drives and feels. If a spouse will drive the car, ensure they come along for the ride to use the controls, explore the features and evaluate the vehicle. . You can also bring the family to test out the back seat room!
Another helpful way to take a test drive is to rent the make and model you’re considering buying. That way, you can drive the car for a longer period of time to experience the car and its benefits. Or, you may discover that the vehicle doesn’t meet your needs. Either way, a test drive is an important first step to take before buying a car.
When buying a car, you have two types of financial agreements to consider: buy or lease a vehicle.
Whether you choose to lease or buy a car, you’ll have a monthly, weekly, or bi-weekly car payment for a few years, unless you pay cash. Typically, most car-buyers put down a deposit on a car and get a loan from a bank to buy it. In which case, you’ll also have to pay interest on the loan.
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The other option is to lease a car. When you lease, you don’t own the car. You are essentially renting it for a specific period. At the end of the lease term, you will have the option to return the vehicle, trade it in for a newer model, or buy it out.
With a lease, instead of borrowing the full purchase price of the car, you are only borrowing the amount the car will depreciate over the term of the lease. For example with a three-year lease, and taking into account regular wear and tear (known as the “residual value”), then you only have to finance the difference between the purchase price and the residual value. This is the basic reason lease payments are lower than loan payments.
Both leasing or buying a car has pros and cons. When you buy a car, you own the car at the end of the payment period – you own the car fully and it has some residual value and equity. The cons are that payments are more expensive than leasing and once the vehicle is out of its warranty period you are responsible for maintenance and repair costs.
When you lease a car, you have lower car payments and better cash flow. And since car leases are generally between two and three years, the vehicle you buy is almost always going to be covered by warranties. Once the lease is up, you can either walk away or upgrade to a newer model. However, unless you negotiate to buy the car at the end of its lease you will never really own the vehicle and will not build equity.
Deciding to lease or buy a car in Canada can be a difficult decision. Basically, you have to decide what option makes sense given your financial situation, individual, or family lifestyle. Here are some things to know about leasing:
Carefully evaluating your driving habits and your car needs will help you to make the decision the lease or buy a car.
You have a few ways you can pay for your vehicle when you buy a car in Canada:
Cash: You pay the full amount upfront to the dealership or private seller.
Financing from the car dealer: Financing and payment options are readily available from auto dealers through their financing company. However, you may face challenges getting approval if you don’t have an established credit history.
Bank loans or line of credit: You can apply for financial aid through your bank or credit union. Most banks have programs in place to help newcomers get a car loan with little or no credit.
Do the math to figure out which option makes the most financial sense.
If the test drive goes well and you’re ready to buy a car, ensure you use all the information you researched to work out a fair price. The price should take into account any factory and dealer rebates, discounts, and incentives. It is a good idea to have this information in a report to use as a negotiating tool when dealing with a salesperson. This can be the most difficult stage of buying a car since car dealers want to get the suggested retail price. So, at a minimum, you should know what price the dealer paid the factory for the car and what rebates are available to them.
Your solid research can help you to negotiate the best price and save you hundreds or thousands of dollars on the new car price. The art of the deal is to allow the dealer to make some profit, but not all at your expense.
During the buying stage, the cost of the car can go much higher when the salesperson tries to sell dealer-installed extras such as:
In most cases, these are high-margin profit items for the dealer that reduce any cost-savings you negotiate. These are added profits that only come out of your wallet. And most of these extras aren’t necessary. If there are options that you want to purchase, it will drive up the price of your car. So, try to negotiate the price on the options as well. Or, you can also add options at a later date from other places outside of the dealership at a reduced price.
Remember as the buyer with money to spend you have the upper hand. Dealerships don’t want to lose a sale and will try their best to win and keep your future business. So keep these tips in mind when negotiating price:
There are certain steps you will need to take and documents you will need before you can drive off the lot with your new car. Don’t expect to arrive and buy a car on the first day you are in the country. It will take a little bit of time to get things in order first. If you have recently arrived in Canada, here’s some additional information to know and things you need before buying a car.
Depending on your country of origin, you may be able to exchange your driver’s licence for one in your new province. If you can’t transfer your licence, you may be able to get some driving experience credit. Bring your current driver’s licence to a local licencing office to start the process of getting a Canadian driver’s licence.
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You cannot get car insurance without first getting your Canadian driver’s licence. Once this is in place, you can compare car insurance quotes and find coverage for your vehicle. If you are buying a car from an auto dealership, they can help you get your insurance documents in order. Using an insurance broker is also a good option. Brokers can help you explore your insurance options and find affordable premiums.
To finalize the purchase of your vehicle, you will need to register your car with the provincial government where you reside. Check out this post for links to Provincial Ministries of Transportation. You will need your drivers’ licence, insurance, and bill of sale to complete this process. Again, if you are buying from a dealership, they will take care of the registration process for you.
These tips and information are important things to consider if you are thinking of buying a car in Canada. A new car is a large investment and these tips can help you to make a wise financial decision.
For more information about your financial first steps in Canada, visit our banking in Canada resource page. Get the essential information you need to manage your finances in Canada!
To achieve professional success it’s vital to develop a career plan. But, where do you start? If you don’t know where or how to start to develop your plan, then continue reading and get helpful tips.
Linda Ryan is the National Program Manager with BCCA-Integrating Newcomers, a government funded, Canada-wide, pre-arrival career coaching service for high skilled construction professionals immigrating to Canada (*BCCA-IN).
A career and certified performance coach, she and the BCCA-IN team specialize in helping newcomers plan for, and achieve, employment success, no matter what city or province they are moving to.
When it comes to developing a career plan, Linda Ryan shares the top five things you can do to achieve success! Prepare for Canada spoke to her to get her valuable insights about how to develop a career plan. Ironically, none of her tips even mention resume, job hunting, or LinkedIn. Those elements, Ryan stated, are all about attitude and approach. In contrast, the tips she offers provide the building blocks of any successful life transition. And, that includes helping newcomers develop a career plan to achieve success even before arriving in Canada.
We asked Linda Ryan for her advice on why it’s essential to develop a career plan and where to begin. She discussed five key tips that she has come to believe are the building blocks of any successful transition.
1: Get focused
2: Get real
3: Get knowledgeable
4: Get prepared
5: Get on with it.
Linda Ryan: My first tip is to get focused. “Adopting the ‘‘I’ll take any job’ mindset is one of the most unhelpful approaches to career transition, especially in a new country.” Accepting any job, or what’s also known as a survival job, serves to pay the bills while you search for a job that aligns with your:
However, accepting “any job” is not a sustainable career development strategy. And, taking any job will leave you feeling unfulfilled, unproductive, and unhappy.
A better approach is to focus on what you would love to do in one, five, or 15 years from now.
To help you get focused, you can look at your interests, aspirations, existing education, and experience.
Linda Ryan
The next step is to look at the:
It’s helpful to focus on up to three possible role types that you would like to pursue. This will help you decide what specific activities you must act upon to develop a plan and achieve career success.
Linda Ryan: It’s important to be realistic about the job prospects in Canada. So it’s a good idea to access high-level labour market information for the city, province and profession where you plan to settle. Job Bank is Canada’s national employment service that’s available as a website and mobile app.
It helps you develop a career plan and find work by providing an overview of your profession in Canada. This career planning tool is invaluable and provides information about:
Linda Ryan: It’s helpful to know if your profession is regulated or unregulated in Canada. When you confirm this, you’ll know what you require to work in Canada and what it actually means for your goals. With this knowledge, you can adjust your career-planning activities accordingly.
Linda Ryan: One vital activity is to understand the difference between education evaluation and credential evaluation. There are clear differences between each activity that can help you prepare for career success.
If you plan to arrive in Canada soon, you can start these activities before you arrive. Because doing so is smart and strategic! To learn more, check out this post.
Also, get comfortable with planning. In fact, you should have a Plan A and a Plan B (maybe even a Plan C) for your career. And expect to change these plans as your circumstances and experiences change.
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Linda Ryan: Only you are accountable for developing a career plan, no one else. However, it’s healthy to ask for help and seek guidance from experts. You can even access free newcomer services to help you achieve your career goals faster. It’s also helpful to build connections with peers in your local industry.
But, it’s up to you to take consistent and constructive action to build the career that you want. So, get into action, adjust your plans, and keep on doing.
*The BCCA-Integrating Newcomers program is a free, pre-arrival, Canada-wide service, focused on helping high-skilled newcomers explore and build successful construction careers. Services include one-on-one career guidance, tailored resume, cover letter, LinkedIn advice, and an in-depth skills and education assessment to help newcomers focus on the best career, credentials and connections activities. The Integrating Newcomers team not only has multi-industry experience but are also immigrants who have built successful careers in Canada.
There are many things you need to think about when moving to Canada. One often overlooked are the types of clothing you’ll need for Canada and the different seasons. Many new immigrants often gloss over the fact that Canada has a unique climate, unlike any other country. It can snow in the spring or you can be wearing shorts in December. Canadian weather can be truly unpredictable. If you are not prepared, you could find yourself with a suitcase full of clothing that has you ill-prepared for the weather outside. And while Canada may be known for its cold winters, when you know the type of clothing to wear, winter can be a very enjoyable season, filled with fun outdoor activities.
Canada is truly a nation of four seasons. So you’ll need to dress for different seasons. The weather can vary greatly based on where you live in the country. It can also change significantly from one day to the next. You can experience humidity and temperatures close to 40 degrees Celsius in the summer and temperatures as low as -40 degrees Celsius with the wind chill in the winter.
So, you really need to have the right types of clothing to keep yourself comfortable throughout the year in Canada. But we have you covered with the list below.
Depending on your country of origin, you may have some of these clothing items already. All basic clothing items are standard, no matter where you live. But pay particular attention to the winter clothing items. If you are without these, you’ll want to get them as soon as possible. Because no matter where you live in Canada, you are going to need good, comfortable, and warm clothing. If you’re spending time doing anything in the snow, such as skiing, snowmobiling, skating, or even just building a snowman, you’ll need something beyond your average city-appropriate outerwear.
All clothing on the list below is readily available for purchase in stores across the country. You can also find these items online or used at local thrift stores. Here is a list of clothing you will need for each season:
This is the start of patio season. Spring is a signal that winter is over, and the warmer weather is on the horizon. It can be an unpredictable season. The cold could linger, and you could find it to be unseasonably cool. Or it could be exceptionally warm. It’s a good idea to have some summer and fall items handy to be prepared for the unpredictable nature of this season:
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.
REGISTER FOR THE WEBINARCanadian summers can be hot and humid. It can be just as warm as about anywhere else in the world. Expect a mix of sunshine and some rainy days. There will be lots of opportunities to enjoy parks, the lake and local beaches. It’s the time of the year when people celebrate Canada Day, go on vacation, head to cottages, and enjoy the outdoors to the fullest. Here are some types of clothing items to have:
Once fall comes around, you’ll notice the leaves starting to change colour on the trees and the weather starting to cool. It is pumpkin spice latte season. It’s time to break out your sweaters and celebrate Thanksgiving. Here is the clothing you will need for fall:
We’re sure you’ve heard about Canadian winters. We are known for them. Fortunately, what most people don’t realize is that winter is only one season out of the year. But it is true, the frigid temperatures, snow and ice, and bone-chilling winds are very real. You’ll want to wear multiple layers, especially if you head outside to go tobogganing, skiing, or for a good brisk walk. Here are some examples of the type of clothing you’ll need for a Canadian winter:
You can always get up-to-date information about the weather in Canada here.
If you have most of these types of clothing for Canada, you’ll be comfortable year-round no matter what city you call home. As you can see from the above list, you will need a little bit of everything to ensure you are prepared for Canadian weather. It’s common for new immigrants to come to Canada without all the right types of clothing. But don’t worry, you will have no trouble getting the clothing you need once you arrive.
Being new to Canada, one of the first things you will want to do when you arrive in the country is begin your job search. It can take some time before you get a call for an interview. But you can use this time to learn how to prepare for a job interview in Canada. Plus, this time will allow you to become familiar with how job interviews work in Canada and how they differ from your home country.
Getting a job interview is exciting. It’s an opportunity for you to get your life rolling in Canada. But before you think too far ahead, you need to prepare for a successful interview that leads to a job offer.
A job interview does not guarantee you will get the job. But it’s an important opportunity to show how your skills and experience make you a great candidate for the role. The interview process for Canadian companies is not always the same. However, you can expect many of the following practices. And some interviews may even combine some of these practices:
When you know what to expect and understand the process this will help you to prepare for your interview and focus your time and effort.
The key to your interview success is having a clear understanding of what the job requires. This will help you to focus on how to prepare. For example, it’s vital to:
Read the job description carefully and highlight the skills and experience that you have
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GET FREE GUIDEYou can find helpful information about occupations, wages, job requirements, and more when you visit the Canada Job Bank.
Interviewers will ask you different questions about your skills and experience. But what they want to know is why you are the best fit and what you can offer. To prepare for an interview ask yourself:
You will get out of the experience what you put into it. So, if you invest time and effort to prepare for an interview, you will have a much greater chance of it leading to a job offer.
Many settlement agencies offer job search services to help newcomers prepare for a successful job interview!
Here are some important details to handle the day before the interview:
Taking care of these things will help you have a clear mind on the day of the interview. And this will help to put your best effort forward. Preparing for a job interview will give you the confidence you need to succeed. So put in the time and effort and give yourself the best chance to get the job you desire in Canada!
One of the first things new immigrants want to establish when they move to Canada is somewhere they can call home. Your ability to buy a home and qualify for a mortgage is tied together if you do not have the funds to purchase a property outright.
You will need to meet certain financial criteria as set out by Canadian banks and financial institutions. This may seem intimidating and even challenging, largely because of misconceptions.
There is a belief that newcomers cannot get a mortgage from a Canadian bank, they won’t qualify if they don’t have a strong credit history or they won’t qualify until they have a couple of years of employment history in Canada. These are not true.
There are immigrants who qualify for mortgages every day. In fact, did you know that 18% of mortgage consumers are newcomers to Canada?
Financing is available to both permanent and non-permanent residents. However, qualifying for a mortgage will depend on your status. Here is an overview of mortgage requirements:
As a permanent resident, you will have access to a variety of mortgages and programs. You could qualify for a standard mortgage if you have a good credit rating. This means one of the applicants must have a credit score of 680 or higher. You will also require at least a 5% down payment.
If you do not have a good credit score, you can still qualify for a mortgage through a newcomer to Canada program. You will still require a minimum 5% down payment.
If you are paying less than 20% of the cost of the purchase price, you will have to get mortgage loan insurance.
Join us for an insightful webinar designed to help you navigate the various routes to owning a home in Canada. Whether you’re looking to buy your first home through a traditional mortgage, exploring co-ownership opportunities, or interested in rent-to-own solutions, this webinar will provide the information and tools you need to make informed decisions.
REGISTER FOR THE WEBINARAs a non-permanent resident, you have specific requirements to qualify for a mortgage. For example, you must:
With a good credit rating, you could qualify for a standard mortgage. If you do not have established credit in Canada, you may have to get a letter of reference from your financial institution in your country of origin. You will need to qualify under a new-to-Canada program.
You will not qualify for a mortgage if you are not a permanent resident, have poor credit, or do not have at least a 5% down payment.
When applying for a mortgage, a lender will review your income. This can be from many sources as long as the income is plausible, such as income from full or part-time employment, self-employment, rental properties, support or alimony payments, or pensions.
The lender will require a letter from your full or part-time employer to confirm income, especially if you have had the job for less than two years. You should have copies of your last two years’ tax returns and be up-to-date with any outstanding taxes.
The lender will also look at your debts, including your proposed house payment, as well as monthly payments for loans, credit cards, car leases, or child support. It is important that you include all debts you have on your mortgage application, as they can impact your ability to borrow.
Evidence of regular income is another critical factor lenders consider. They are more inclined to favor applicants who have worked at one job continuously for several years or have remained in the same field. However, you can still qualify for a mortgage if you’ve changed jobs recently, as long as your new employer can prove your income with a Letter of Employment to confirm your:
Lenders may also ask for recent pay stubs to confirm your rate of pay.
If you’re self-employed or have worked at a job for less than two years, lenders may ask for additional information, such as federal income tax statements, to verify your income.
To qualify for a mortgage, a good credit rating is essential. In addition to reviewing your debt and income, a lender will also pull your credit report. The report details your payment history and how you’ve handled your past obligations. You can get a copy of your credit report before you apply for a mortgage to verify its accuracy or correct any errors before you apply for a mortgage. However, each credit “pull” will negatively impact your credit score for a short period of time, so avoid pulling your credit too often.
Qualifying for a mortgage ensures that you meet certain criteria set out by lenders. Here are the main steps you will need to take to qualify:
You will have to put money down on any mortgage. The more you save, the better position you will be in to qualify for a mortgage.
As soon as you arrive in Canada, it’s important to start building your credit history. A strong score will not only help you qualify for a mortgage, but it will also help you get a better rate. You can do this by paying your bills in full each month, using and paying off your credit cards, and maintaining a consistent source of employment income.
Lenders want to see proof of a stable financial situation. To do this, you can get a letter of reference from your financial institution, an employment letter from your employers, and show copies of recent pay stubs.
There are plenty of mortgage options. You can choose from traditional banks, to credit unions, and private lenders. You can also enlist the services of a mortgage broker to help you qualify. Brokers work for you, and they will shop around and compare options for you. They can be a big help to find the right mortgage for your specific needs.
A pre-approved mortgage indicates how much mortgage you can afford and guarantees a mortgage rate (usually for 90 – 120 days) while you look for a home.
A pre-approved mortgage can give you more credibility to sellers and real estate agents, and in bidding wars, common in hot housing markets, it can give you an advantage against competing home buyers. However, be sure to consider these tips:
Understand the difference between pre-qualification and pre-approval. For example, pre-qualification is less formal and confirms that you meet general lending guidelines. And sometimes you can obtain a pre-qualification over the phone or through an online assessment.
On the other hand, a pre-approval is a detailed process and takes more time to complete. You need to complete a mortgage application and provide documents to verify things such as your income, debt, employment, and credit history.
A lender will review your application before they pre-approve you.
Don’t let your guard down after you get pre-approved for a mortgage. Missing or skipping credit card payments, increasing debt, or changing jobs could void your pre-approval.
If rates remain low and you’re still searching for a home, you can reset your pre-approval every 45-75 days. Doing so will not only extend your rate hold but will also safeguard you against any mortgage rate hikes before you close. Although some lenders may restrict rate resets.
Shop around and choose pre-approval terms that offer you the most benefits. For example, opt for the longest rate hold (120 days), and other mortgage features such as the ability to make prepayments, fair penalties, and refinancing options.
Qualifying for a mortgage can be an intimidating process, but it does not have to be this way. There are countless ways for newcomers to get approved for a mortgage. It happens every day. You just need to know the steps and understand the financial criteria you need to meet to qualify. Start working toward qualifying from the day you move to Canada, and you will be a homeowner sooner than you think.
Career counselling can help you navigate what you require to build your career in Canada. In fact, it can help you to build your success faster when you access pre-arrival career services. For newcomers, finding a job that best suits your skills, background, and experience can reduce your job search stress.
Linda Ryan is the National Program Manager with BCCA-Integrating Newcomers, a government funded, Canada-wide, pre-arrival career coaching service for high skilled construction professionals immigrating to Canada (*BCCA-IN).
A career and certified performance coach, she and the BCCA-IN team specialize in helping newcomers plan for, and achieve, employment success, no matter what city or province they are moving to. When it comes to looking for a career, Ryan provides tips about how pre-arrival career counselling can help you build success.
Prepare for Canada (PFC) spoke to Ryan, who arrived in Canada as a newcomer in 2010. As she explained, settlement services were not as available as they are today. Further, she stated that pre-arrival services didn’t exist, or she was unaware of them. As a result, she struggled to find a job.
In response to the need to help newcomers, Immigration, Refugees and Citizenship Canada fund free pre-arrival career counselling, employment information, and resources. These services give newcomers knowledge and power to build effective job search strategies even before setting foot on Canadian soil.
Linda Ryan: I had a solid education, a great career in my home country, and a management track record to be proud of. And when I came to Canada, I had to jump many hurdles including:
Although Canada had confirmed that it “wanted me”, arriving in Canada as a skilled immigrant still felt like it wasn’t enough. I had to learn from many mistakes about how to:
Easily, I could have saved myself 100 hours of self-doubt and self-defeating job-hunting activities. If I were pre-armed with career counselling services, I could have asked specific questions to someone in the know. By investing 10 hours before I arrived in Canada, I could have achieved success faster. Without this knowledge, it was a challenge to enter the job market.
Linda Ryan: It’s a unique, pre-arrival Canada-wide service that helps high-skilled newcomers explore and build construction careers in Canada. Whether you’re an engineer, architect, project manager, estimator, technician or tradesperson looking to continue your career in Canada. Or, if you are a business, IT, HR, marketing, procurement or finance professional exploring how to move into a high-demand industry, BCCA-IN can help.
The program has evolved and extends services to clients or partners of clients, whether or not construction is their primary industry focus. The wisdom is that if you support spouses/partners pre-arrival, you also increase the success rate for settlement, integration, and employment.
Do you want one-on-one coaching to help you continue your construction career in Canada before you arrive? The Integrating Newcomers program is for you if you’re a technical professional e.g. tradesperson, engineer (in any discipline), architect, technician, technologist, project manager, estimator, or analyst. This Canada-wide service can help you get started!
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Linda Ryan: Counselling services help newcomers to find career success faster. As well, these services provide a return on investment for the economy and the community that newcomers settle in.
Linda Ryan: We offer a range of services that include:
Our services focus on the best and most practical career, credentials, and connection activities. As a result, these services help newcomers to find employment faster.
Our team has multi-industry experience that can benefit newcomers. We’re also immigrants who have built successful careers in Canada. So we get it!
Linda Ryan: Ten years on, I’m so passionate about helping others build their careers. So not only do I provide career counselling, but I dedicate my time to ensure newcomers avoid the mistakes I made!
Linda Ryan: If I could depart three pearls of wisdom about how to achieve success in Canada, I’d say:
2. Access free employment and settlement services
3. Do it before you land in Canada.
There is a world of opportunity in Canada! But you’ve got to know where to look and how to access it.
*The BCCA-Integrating Newcomers program is a free, pre-arrival, Canada-wide service, focused on helping high-skilled newcomers explore and build successful construction careers. Services include one-on-one career guidance, tailored resume, cover letter, LinkedIn advice, and an in-depth skills and education assessment to help newcomers focus on the best career, credentials and connections activities. The Integrating Newcomers team not only has multi-industry experience but are also immigrants who have built successful careers in Canada.
Transferable job skills can open the door to a variety of career opportunities in Canada. People with a diverse skillset can take steps toward different job titles, industries and career paths. And transferable job skills are a vital asset for newcomers,
Moving to a new country often means a shift in your career. As a result, you may take on work in different fields when you first arrive. This could be because you need to acquire new certifications or pass licensing tests to work in your area of expertise in Canada. This can take some time. As a result, you may need to work in an unrelated job to supplement your income until you can resume your career in Canada.
Here we will define transferable skills, how to identify your skills and provide the most in-demand skills in Canada.
Transferable skills are abilities and attributes that you can use in a variety of situations and for different types of work. Most of these skills that you have developed over time through:
Transferable skills include hard skills and soft skills. Hard skills refer to your technical ability. Soft skills include skills such as communication, leadership, critical thinking, and interpersonal skills. While your hard skills are important, it’s your soft skills that help you stand out among other job applicants and succeed in your role. You can learn more about skills and behaviours that Canadians value from this Conference Board of Canada resource.
Everyone has transferable skills. What are yours? Consider your experience and identify the skills you used from your:
Use the list you come up with to search for jobs that call out these skills in the job description. This will help you determine if you are a good match for the role. Once you have a list, add these transferable skills to your Canadian style-resume and LinkedIn profile. This will help employers to search for those skills and find you!
Canadian employers value transferable skills. But it’s helpful if you can clearly explain how your transferable skills relate to the role you apply for. This is an advantage if you apply for a job that doesn’t directly relate to your professional background, but you have the skill set that would allow you to succeed.
Here are the most in-demand transferable job skills right now:
If you’re searching for a job, be sure to emphasize the transferable skills that employers are seeking. Highlight these skills on your resume and LinkedIn profile so employers can see your value.
Transferable job skills are important, especially if you plan to apply for other job titles and industries. Everyone has transferable skills, and taking the time to identify and develop them can open the door to new career opportunities in Canada.
There are many exciting careers in the construction industry right across Canada. And available jobs will continue to increase with many current workers retiring in the years to come. So if you’re looking to make a career change, there are great possibilities, even if don’t have a construction background.
Linda Ryan is the Provincial Manager (Apprenticeship Services) with BCCA. When it comes to looking for a career, Ryan provides tips on how to successfully make your career change to the Canadian construction industry. BCCA-Integrating Newcomers, is a government funded, Canada-wide, pre-arrival career coaching service for high skilled construction professionals immigrating to Canada (*BCCA-IN). The BCCA-IN team helps newcomers plan for, and achieve, employment success, no matter what city or province they are moving to.
Prepare for Canada: Can you tell us more about the shortage of workers in the construction industry? What types of professions are needed?
Linda Ryan:
With an 80,000 shortfall predicted in workforce numbers over the next decade due to retirements and modest industry growth, it’s fair to say Canada’s construction industry is actively hiring. Like any industry, construction needs tradespeople and specialist professionals such as engineers, architects, estimators, etc. As well, the industry requires strategic professionals for functions such as:
Prepare for Canada: The employee shortfall is great news for job seekers with a construction background. But, what advice do you have for newcomers who want to make a career change? In other words, how can newcomers actually transition their non-construction skills and experience?
Ryan offered these tips to make a career change to the construction industry.
Transitioning your career to a new industry is possible as long as you have a clear plan and are prepared to take lots of small, progressive steps to get there. Accepting that your career transition is a journey, not a destination, is key. It will prepare you for the action and accountability you must assume to make a successful career change.
Answer this question: What’s my goal in moving into the construction industry?
In other words, what will it give you that you don’t currently have? The more honest you are about what and why the more focused you can be about the kind of roles and companies that will suit you. Answering this question will help you confirm what you’re prepared to do to get started because you will have to take a step back in the short term to build your reputation in a new industry.
This is where people make a big mistake. Recruiters will ‘pigeonhole’ you when they read your resume and only consider you for roles that match your experience and industries. So, your old resume won’t cut it. You can overcome this barrier by investing time to look back on your life, hobbies, family influences, volunteer endeavours, and professional experience. Then rewrite a resume and cover letter that shows:
i. An exposure to and interest in construction
II. Key skills and past role achievements that will transfer well into your new target industry.
Start job hunting for roles you’re a realistic fit for in the construction industry. This may mean considering more junior roles. Although you may have transferable skills, employers know that you will have to learn the industry to add 100% of your value, and that takes time. So, know your value but be humble about where you will start your career.
Spend less time applying for jobs and more time tailoring your resume for specific ‘obvious fit’ roles.
Business in Canada relies on a strong network, and even more so in the construction industry. If you’re not prepared to invest time to network and connect with peers online and offline, then you’re not really committed to a career transition.
LinkedIn is a helpful tool to build a professional network and connect with peers. However, don’t connect to ask for a job. Instead, connect because you share a common:
Sometimes it’s as simple as sending a blank connection request on LinkedIn, other times, it’s about asking to connect because you’d value some ‘local industry insights’. Try different approaches. You’ve nothing to lose.
There are many construction associations across Canada. Most are formed as corporate, member-based, not-for-profit organizations. Their mission is to advocate for local construction stakeholders. The associations offer networking events, short in-person and online (inexpensive) courses and are great sources of local industry insights. To find your local Canadian Construction Association, start here: CCA Membership.
These are great tips for anyone looking to make a career change and enter the Canadian construction industry. And BCCA-IN can provide the support and guidance you need.
*The BCCA-Integrating Newcomers program is a free, pre-arrival, Canada-wide service, focused on helping high-skilled newcomers explore and build successful construction careers. Services include one-on-one career guidance, tailored resume, cover letter, LinkedIn advice, and an in-depth skills and education assessment to help newcomers focus on the best career, credentials and connections activities. The Integrating Newcomers team not only has multi-industry experience but are also immigrants who have built successful careers in Canada.
Are you looking to find the highest-paying jobs in Canada? You are not alone. Everyone wants to make a good wage in a career they enjoy. Canada is home to a diverse economy with a wide range of high-paying jobs. You can work in health care, technology, business, finance, e-commerce, oil and gas, and just about any other industry and find yourself in a high-paying position.
Are you starting out in your career? Is it time for a mid-life career change? Or do you want to learn more about the best-paying jobs in your industry? it’s important to know what is out there for you. The best industries to work in and how much jobs pay will depend on the province, city, and many other factors.
Knowing the highest-paying jobs is only the first step. It’s also a good idea to understand the most in-demand roles. But most importantly, you need to know how to apply for these competitive and high-paying jobs if you hope to get one.
Below you will learn about some of the highest-paying and most in-demand jobs in Canada. You’ll also get tips on how to apply for these jobs to improve your chances of getting a call for an interview.
There are many high-paying jobs in Canada. While the industries and type of work you do will vary, they do have some common factors. For example, you will require extensive post-secondary education, training, and certification to qualify for these roles. Here are some of the highest-paying jobs in Canada right now:
There is no surprise to see a doctor on this list. There is a big demand for all types of physicians across the country. Many new doctors come from other countries where they have already completed medical school and the required training. A doctor in Canada can make $150,000 or more per year. Learn more about licensing and other requirements to work as a medical doctor in Canada.
Dentists are always in demand. Everyone needs to see one to ensure they have good oral hygiene. Similar to doctors, you will need extensive education and training. You can make over $100,000 annually. If you specialize in dental surgery or other dental specializations, you can increase your average salary. Find out more about what’s required to work as a dentist in Canada.
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Similar to other roles in the medical profession, pharmacists and related roles in pharmaceutical sciences require you to have extensive training. Again, like other health-related roles, you will be compensated well. You can make about $110, 000 per year or more. Find out more about what you require to work as a pharmacist in Canada.
Engineers work in a variety of different industries and disciplines. You can be a mechanical, software, automotive, aerospace, electrical, or civil engineer. You will need to complete an engineering degree and pass a professional examination. Engineers will make $120,000 or more.
Financial advisors play a key role in helping people and companies manage their investment portfolios. You can work for banks, credit unions, and many other types of financial institutions. Professionals in this field can make $100,000 per year or more. You also have advancement opportunities to work in a number of different roles within the finance industry.
Financial professionals are in demand in Canada and accountants are leading the way. There are many types of companies seeking out accountants. How much you make per year depends on where you work. For example, working for an accounting firm versus working for a large corporation or operating as an independent professional will affect your annual salary. Accountants can make over $100, 000 per year.
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Working in the energy industry is a great opportunity. There is growth in the renewable energy field and how energy is used continues to change. Utility managers plan and operate utility company operations. It is a specialized role that comes with an average annual salary of about $115, 000.
Big data and analytics continue to become more important in the business world. Statistical modelling and data analysis help companies make more accurate forecasts and strategic decisions. They are in demand to assist with making sales, marketing, and strategic decisions. Data scientists can make $90,000 per year or more.
Working in business gives you the opportunity to take on many different roles as you work your way up the corporate ladder. While traditional roles still pay very well, there is an increasing focus on the e-commerce side of business operations. Working in business administration, you can make well over $100,000 per year.
No surprise here. It’s common knowledge that lawyers can make a good salary. You will be required to complete law school in Canada and pass the Bar Exam. An experienced lawyer can make $130,000 on average and up. There is no cap on your earning potential, which makes it an attractive career option.
This is by no means a complete list. There are many additional careers that can pay you just as much as the above jobs.
Another way to think about high-paying jobs is to look at the roles that are in the greatest demand. In-demand roles usually come with a good compensation package and other perks. The most in-demand jobs in Canada in 2021 and for the foreseeable future are as follows:
Each one of these roles can offer you a career with a good salary and the opportunity to advance in the future.
If you want to get a call for an interview for a high-paying job, you need to present yourself as a top candidate. Everything about your job application needs to be on point. Applying for a job has to do with more than presenting a good resume. So here are some great tips to help you apply for the highest-paying jobs in Canada:
If you want a high-paying job, you need a resume that presents you as a top candidate in your field. So rather than list your past skills and experience, focus your resume on your accomplishments. Craft it to convey how your experience and skills will help the organization you want to work for. To do this you will need to customize your resume and application for each job you apply for. Use the information you find on the company website and in the job listing to create a custom application package.
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Expect employers to check you out online when you apply for a job. While not having an online presence won’t change your odds, having a poor online presence will. Make sure you do not post anything controversial or even anything that may cause a hiring manager or recruiter to second-guess you. Mine all your social media channels and delete anything that does not present you in a positive light.
You can make your online presence work for you by being an active participant in your industry community. Have a strong LinkedIn profile, take part in industry groups, and be an active participant. This will help you build name recognition in your industry.
To make yourself a more attractive candidate, work toward making yourself an expert in your industry. There are many ways you can do this that are free or of little cost. For example, you can start a blog, be active on social media, or create a YouTube channel or podcast. You can also take more traditional routes by attending industry conferences, looking for speaking engagements, and getting a role as a board member of your industry associations.
Professional growth and development are an essential part of building a career where you continue to thrive. Always look for opportunities to add new skills, credentials, and certifications. This will show employers that you have a strong drive to succeed. You will also be a more valuable asset to their organization. It’s also helpful to know if your occupation is regulated or unregulated in Canada. Regulated professions may require you to obtain additional certifications.
The people you know are important. People that always seem to find new opportunities tend to have a strong professional network. The more people you know, the greater chance you will have to identify new jobs. Sometimes it can be as simple as getting someone you know to introduce you to a mutual connection.
You get out what you put into the job search process. If you are applying for a high-paying and competitive job you will need to put in the effort. Using this information will help you to identify and apply for the highest-paying jobs in Canada
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!
If you’ve recently arrived in Canada you may need a car that meets your lifestyle, work, and family transportation needs. And buying a used car may be a better option than buying a brand new car, especially when you need to manage your expenses as you transition to life in Canada.
But before you buy a used car it’s helpful to think about your needs to find a good car that fits your budget. Buying a used car comes with other factors to consider. No one wants to buy what they think is a good car only to get stuck with a lemon. If you decide that it’s essential to own a car, here’s what you need to know and do before you buy a used car in Canada.
Knowing how much you want to pay for a vehicle will help you narrow down the vehicles in your price range. Also, when you set a budget, you won’t be tempted to overspend. Carefully managing your money when you arrive in Canada is a key priority.
Determine how you plan to pay for your used vehicle. Do you want to pay cash? Do you need to take out a car loan? If you get a loan, will you get it from the car dealer, bank, or other lender?
You can get almost any car brand, make, or model on the used market. Spend time to narrow down the type of vehicle you want to purchase.
Ensure you are buying the right vehicle for your needs. A good used car can offer years of service at an affordable price. This is helpful especially if finances are tight. Think affordability. Also, the type of vehicle you buy will affect your insurance costs.
A small car will suit a single person or couple. If you have a growing family think about a mid-size car with a bigger back seat and a larger trunk. Mini-vans are ideal if you have a couple of children or an extended family comprised of adults. Minivans offer multiple seats from seven to eight and a larger cargo area.
Sport Utility Vehicles (SUVs) are a good choice, especially for winter driving and safety. An SUV may be ideal if you live in a region with harsh, snowy winters or a rural area with hills and rough roads. But, small four-cylinder cars with a manual transmission are still the most fuel-efficient and affordable cars to buy and maintain.
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Before you look for a car, ensure you are armed with as much information about the specific make and model of vehicle that interests you. Tools such as Canadian automotive websites and the Canadian Black Book, list the value of used cars according to age and condition.
Research vehicles you are interested in and check for manufacturer recalls in the past and common problems that need fixing. Your research will reveal which cars are good or bad and could save you hundreds if not thousands of dollars. Reliability is important when buying a used vehicle. Stick to brands and models that have proven to last the test of time. There are websites you can use to see the top used cars such as Autotrader.ca, and CARFAX.
Insurance costs vary based on the car you drive. Find out how much it will cost to insure the used car before buying it.
Always take a car out for a test drive before you buy it. You should feel comfortable behind the wheel. There is a big difference between how a car looks and how it feels when you are driving it. The test drive also allows you to test out vehicle components and ensure everything works as advertised.
Test drive the vehicle on different road surfaces and at various speeds to check steering, engine noise, vibrations, transmission problems, brakes, shock absorbers, and front-end alignment. Do a few emergency stops and listen closely for transmission, engine, and suspension noises that could indicate trouble ahead. If the vehicle pulls to one side and the steering does not center itself this could spell alignment issues or have been caused by a previous accident.
Always get any used car checked out by a trusted mechanic. You never know what is going on under the hood. A mechanic can tell if the car is in good shape or needs costly repairs.
If you feel positive about the vehicle, take it to a mechanic you trust or a diagnostic center for a thorough inspection before you buy it. A good mechanic will do a thorough check of the car to identify any problems and suggest what work may be needed to keep the car safe and reliable.
There is more to transferring ownership than just handing over the cash when you buy a used car in Canada. You need to follow several steps to transfer ownership. These will vary based on your provincial regulations.
Always ask to see the seller’s Used Vehicle Information Package (UVIP). This will give you an overview of the history of the car. Check the Vehicle Insurance Number (VIN), registration, and lien information to make sure the car is clean. It also serves as the bill of sale.
Regardless of whether you are buying a new or used car, the price is always negotiable. Make an offer you believe is fair and see if the seller is willing to accept it. Buying a used car in Canada is a negotiation.
Consider the value of the vehicle from official trade journals such as the Canadian Black Book and take into account: age, mileage, general condition, upgrades, or extra features- minus any defects or mechanical issues, you see from a mechanic’s report.
Use any flaws in the vehicle to bargain and reach a price both you and the seller are comfortable with. Remember to be calm and rational and don’t let emotion enter your decision. No matter how much you like the car, you do not want to overpay.
Evaluate any counteroffer by the seller, and prepare to walk away if need be, unless you feel inherently the car is worth the money the seller is asking.
If you do not buy the vehicle, be philosophical about it. The used car business is larger than the new car business. And there are plenty of other good used vehicles out there for you. With good basic research and a cautious, knowledgeable approach you can find a decent vehicle to fit your needs at a price within your budget.
Following these tips will ensure you’re spending money wisely on a used car that will meet your driving needs in Canada.