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If you plan to move to Canada you have to pay several immigration fees to process your application to become a permanent resident. As of April 30, 2024, here are some of the current permanent residency fees increases:
| Fee: Economic Immigration (Including Express Entry)* | As of April 30, 2024 |
|---|---|
| Your application (includes processing fee and right of permanent residence fee) | $1,525.00 |
| Your application (without right of permanent residence fee) | $950.00 |
| Right of permanent residence fee | $575.00 |
| Include your spouse or partner (includes processing fee and right of permanent residence fee) | $1,525.00 |
| Include a dependent child (without right of permanent residence fee) | $260.00/child |
| Permanent Resident Card | $50 (no increase) |
| Permanent Resident Travel Document | $50 (no increase) |
| Citizenship – application fees Adult (18 and over) Minor (under 18) | $630 $100 |
| Biometrics: Per person Per family (2 or more people) | $85.00 $170.00 |
According to Immigration, Refugees and Citizenship Canada (IRCC) the fee increases account for inflation since the last increase in 2022. Permanent resident fees increase every two years and consider the rising cost of delivering programs and services. The next fee increase will be in 2026.
At this time, the fees will not increase for the following:
When calculating how much money you’ll need to move to Canada, remember to add these immigration fees to your budget. Canada’s immigration fees are less expensive than countries such as Australia, the United States, and the United Kingdom, but these fees still add up.
The Right of Permanent Resident Fee is a separate fee all permanent resident applicants must pay when their application is approved. But to avoid processing delays, you can submit this fee while you pay your application fees. And if your application is not approved, the IRCC will give you a full refund.
You can pay your Canada immigration fees online. Use the online form to indicate your country and the forms that you are submitting. IRCC will calculate the total fees that you owe.
Getting a credit card when you arrive in Canada is a great way to build a credit history, but you must avoid making common mistakes. From spending more than your credit limit, to only paying the minimum monthly payment, these mistakes can damage your credit score and make it difficult to achieve your financial goals. Learn how to avoid these financial mistakes and what you can do to stay in good standing.
Credit card issuers make it easy for you to repay your balance by allowing you to make minimum monthly payments. Sometimes you can only afford to make the minimum monthly payment, but avoid making this a habit.
When you only pay the minimum payment each month it increases the amount of time it takes to pay off your balance and you’ll pay much more interest. It also means that you will likely never pay off the full amount of your card. A better approach is to pay the full balance. If that’s not possible, pay more than the minimum monthly payment to accrue less credit card interest and pay your debt faster.
Missing payments means you will have to pay a late payment fee and it can add up quickly. To avoid late payment fees, you can set up an automatic payment to your debit card. Remember, you should pay off the full balance each month. Falling behind in your payments can lead to higher credit card interest charges and your credit score will suffer. Meeting your monthly payments shows creditors that you manage your money well.
Ready to take control of your financial journey in Canada? Join our expert-led online webinar! Learn essential banking tips to build a strong financial foundation. Hear from David Frattini, Managing Partner at Prepare for Canada, and Neil Dhanani, Financial Advisor at Scotiabank, as they guide you through everything you need to know.
REGISTER FOR THE WEBINARIf you don’t open your credit card billing statement, you risk missing your payment due date or paying less than you should be. Ignoring your statement could cause you to miss important announcements about changes to your credit card terms.
Review the monthly transactions to ensure that there are no purchases that you did not make or approve. If there are any errors, contact the credit card company immediately to discuss the transaction.
Missing payments will also lower your credit score. Missed payments can remain on your credit report for up to six years.
If you lose your card, the first thing that you should do is report it to your financial institution. The longer it takes you to report a lost or stolen card, the greater the chance of fraudulent activities. Reporting a lost credit card quickly shows the bank that you are responsible.
This credit card mistake is important to avoid. As a newcomer, you may have unexpected expenses you didn’t budget for. A credit card can be a short-term solution but you should never max out a card to its limit.
When you max out your credit limit, it indicates to creditors that you are living beyond your means.
It’s better to spend less than 30% of your credit limit. This is known as the credit utilization ratio which assesses how much credit you have versus how much you use. This ratio is also about 30% of your credit score calculation. Getting close to your credit limit puts you at risk for over-the-limit fees and penalty interest rates you’ll have to pay when you exceed your credit limit. Maintain a low balance on your card for a healthy credit score and manageable payment amount.
Avoiding these credit card mistakes will help you reduce financial stress, increase your credit score, and build credit history.
Those who live in Ottawa love it. If you are moving to Canada, it is a top city to consider. As the Nation’s capital city, Ottawa, Ontario offers many career options to help you succeed financially once you arrive.
Where you decide to live in Canada will have a significant impact on your future. So you need to research what the city has to offer. It’s important to think about the housing market and your career options, and how they will affect your family and lifestyle. Ottawa is a large and diverse city in Canada, which is one reason why new immigrants select it as a preferred destination. This overview of living in Ottawa can help you decide if it will meet your personal and professional needs.
Ottawa is the capital of Canada and the city plays a vital role in Canadian history. Canada’s Parliament building towers over the city, which, along with the famed Rideau Canal, makes it a picturesque place to live.
The city is located in Eastern Ontario, and it borders Gatineau, Quebec. Gatineau is on the north bank of the Ottawa River and together they form the National Capital Region (NCR). It is also between Toronto and Montreal, and north of the eastern United States. The city was founded in 1826 as Bytown and incorporated as Ottawa in 1855. It was named the capital of Canada with Confederation in 1867.
Ottawa’s multicultural and bilingual populations make it appealing to new immigrants. About 50 percent of its residents speak English and 30 percent speak French. The remaining 20 percent speak other languages.
Ottawa is also appealing to newcomers because of its economic strength. As home to the Federal Government, it offers many career options in government and the tech sector. It is truly an international and a great city to raise a family.
Ottawa is the second-largest city in Ontario and the sixth-largest city in Canada. It has a population of 1,017,449 (2021 census). The Ottawa-Gatineau metropolitan area has over 1.4 million residents.
Ottawa has a young and diverse population. Over 65 percent of residents are between 18 and 49. There are over 200,000 people (23% of the total population) who were born outside Canada that call Ottawa home.
With the highest-educated workforce in Canada, Ottawa has more engineers, scientists, and PhDs per capita than any other city in the country. It also has Canada’s highest due to a booming public sector and high-tech industry. The unemployment rate is stable and is usually below the national average.
Ottawa has a strong economy and offers a variety of job opportunities for people with diverse backgrounds and interests.
Key industries in Ottawa include:
Ottawa is home to major technology and healthcare companies. The Federal Government is the leading employer in the region. The following are some of Ottawa’s top employers in 2024:
Adobe Systems Canada Inc.
Bank of Canada
Canada Revenue Agency (CRA)
CBC / Radio-Canada
Health Canada
Hydro Ottawa
The City of Ottawa
The Royal Canadian Mint
Statistics Canada
Trend Micro Canada Technologies Inc.
Ottawa has consistently seen higher job growth than other Ontario cities. It has an unemployment rate of 4.9% (as of March 2024). This is lower than the national average of 6.1%.
The city’s top industries continue to experience the most growth. Industries that are hiring in the region include:
Some local recruitment agencies to help with your job search include Randstad Canada, LRO Staffing, Advantage Group, Keynote Search, Aerotek, and TH Employment Solutions.
While finding a job in Ottawa is an important first step, so is finding a place to live. For new immigrants, it’s common to take up short-term housing or rent an apartment before buying a home.
There are plenty of housing options in the Ottawa region. Housing costs across Ontario are on the rise. Similar to other Ontario cities that you may be considering, Ottawa housing costs are increasing. Fortunately, the cost to buy a home in Ottawa is more affordable than in other larger cities such as Toronto. As always, the neighbourhood you choose to rent or buy will dictate the cost.
New immigrants have many rental options. You can find places to rent across the city. Ideally, you want to find a place that is close to your job, place of worship, schools, shopping, transit, and other important locations.
These are considered the best locations to live for renters:
Find out more about the most popular and Best Ottawa Neighbourhoods for Renting.
To search for available rental units and current prices in Ottawa, check out Rentals for Newcomers!
As of March 2024, the average cost is $2,043 for a 1-bedroom apartment, $2,508 for a 2-bedroom, and $2,731 for a 3-bedroom apartment. Location, size, and amenities all affect the cost of a rental unit.
Most property owners now require tenants to have 
. It is often included as part of your lease agreement. Even if it is not, it is recommended to protect your family, personal belongings, and finances. Get more information about renting a home: Renting in Canada: What Newcomers Need to Know.
Ottawa’s housing market offers newcomers different housing options. For example, about 40% of properties are detached homes. The remaining are townhomes, semi-detached houses, condos, and apartments.
The cost to buy a home is on the rise in Ottawa. According to Royal LePage, the average home price in Ottawa is $757,700 in the first quarter of 2024. This is a year-over-year increase of 4.4 percent.
The median price of a single-family detached home increased by 4.5 percent over last year to $869,300. The median price to buy a condo increased by 4.6 percent to $401,500.
These numbers are still below the national average and remain more affordable than the housing market in the Greater Toronto Area and Vancouver. To buy a home, contact a realtor in the area who will guide you through the home-buying process. Find out more about buying your first home in Canada: First Time Home Buyer: Newcomer Tips
Highway driving is a vital skill for Ottawa residents. Commuting from neighbouring communities into the city is common. The region has several highways including Highway 417 (part of the Trans-Canada Highway), Highway 416, and Highway 401. The city also has parkways, including Queen Elizabeth Driveway, Rockcliffe Parkway, and Aviation Parkway
Winter weather can create difficult road conditions. So if you haven’t driven in winter weather before, it’s helpful to learn how to drive in snowy conditions. The minimum age to get a driver’s licence is 16. All drivers must complete the graduated driver’s licence process. To get a commercial driver’s licence in Ontario you will need a Class A or Class D licence. Read more about Driving in Canada: 10 Essential Facts to Know.
OC Transpo operates public transit in Ottawa. The rapid transit system consists of buses and light and medium rail lines. Bus services run seven days per week and connect to all major neighbourhoods in the city as well as Gatineau.
Find out more about driving in Canada:
Getting Your Ontario Drivers License
Driving Test in Canada: A Full Guide
Tips for Winter Driving to Ensure Your Safety
Ottawa is commonly regarded as the best place to live in Canada. Part of this has to do with its diverse and multicultural population and how the city supports newcomers. The city offers many settlement services for newcomers.
In addition to the Newcomer Information Centre, other agencies include Ottawa Community Immigrant Services, Immigrant Women Services Ottawa, Catholic Immigration Center, and Hire Immigrants Ottawa. For information about settlement services in the Ottawa area, click here. Read more about Services in Canada to Help Newcomers Settle.
Several organizations in the city offer language support services to newcomers and anyone looking to improve their English or French speaking skills. They include the IWSO Language Services Ottawa, Language Interpretation Services (ONHC), and YMCA Language Assessment and Referral Centre. Languages classes are also funded by the Government of Canada.
All local banks in Ottawa have programs to help new immigrants. They can help you open a Canadian bank account. Banks can also help you get a credit card, line of credit, and a mortgage, Visit a local bank branch to start the process.
Get more banking tips for newcomers:
How Much Money Will I Need to Move to Canada
Top 10 Financial Steps to Take Before You Leave for Canada
Move to Canada | Transferring Cash & Valuables
Open a Bank Account Before Arriving in Canada
Ottawa offers high-quality English and French education in public, Catholic, and private school systems. The government pays for public elementary and secondary school education. However, if you enroll your children in private schools, you will have to pay tuition fees. Ottawa’s colleges and universities offer specialized learning for adults and high school graduates.
Ottawa is unique because they have four school boards: English, English-Catholic, French, and French-Catholic The largest is the Ottawa-Carleton District School Board (OCDSB) with 147 schools. In total, there are 318 schools, including 65 high schools in the city. There are also several private schools.
Ottawa has two universities and two colleges:
University of Ottawa offers more than 300 programs in 10 faculties and is North America’s premier bilingual university.
Carleton University offers over 200 programs in 47 departments, including public affairs, journalism, film studies, engineering, IT, and international studies.
Algonquin College offers more than 100 full-time programs.
La Cite collégiale offers 70 full-time college programs in areas such as administration, media and communications, health, technology, hospitality and tourism, community services and trades.
The city also has two Catholic universities – Dominican University College and Saint Paul University.
Read more about education in Canada:
Schooling in Canada | A Look at the Education System
Higher Education Offers Benefits to Newcomers
In case of an emergency call 9-1-1. This number is the same no matter where you live in Canada. There are four hospitals in the region: Queensway Carleton Hospital, The Ottawa Hospital, Montfort Hospital, and Children’s Hospital of Eastern Ontario. As well, there are several specialized hospitals and clinics in the region.
Ottawa residents are eligible for the provincial public health program, Ontario Health Insurance Plan (OHIP). It covers a range of medical services, including check-ups with your family doctor or at walk-in clinics, hospital visits, eye exams, and vaccines. However, OHIP does not cover the cost of prescription drugs.
As a newcomer to Ontario, you can apply for provincial healthcare coverage as soon as you arrive.
For prescription drugs and some services that OHIP does not cover, you can pay for additional 
. When you secure a job, your employer may offer insurance for you and your family.
Newcomers need to find a family doctor. They can supply medical advice, write prescriptions, and refer you to specialists. To find hospitals, doctors, and dentists in Ottawa, visit Health and Support Services. Get more information about health care in Canada: Steps to Access Free Health Care in Canada
Ottawa has many cultural attractions, including galleries, museums, and festivals. As well, Ottawa has many recreation facilities throughout the city including multi-purpose facilities, seniors’ centres, parks, tennis courts, basketball courts, arenas, and outdoor rinks. One of the greatest winter activities in Ottawa is skating on the Rideau Canal. You can rent skates, and skate the longest outdoor rink in the world! Winterlude is an epic Canadian winter festival that occurs each year during the first three weeks of February.
As a top tourist destination in Canada, there is much to see and do. Some of the most popular attractions include Parliament Hill, The Canadian War Museum, National Gallery of Canada, Peace Tower, Canadian Museum of Nature, and the Canada Aviation and Space Museum.
The city also hosts many festivals and events throughout the year. The most popular include the Canada Day celebration, Canadian Tulip Festival, Ottawa Dragon Boat Festival, Winterlude, and other events at the ByWard Market.
Ottawa has a bit of everything. With a diverse population, you can experience food from virtually every culture you can imagine. This city has countless great restaurants, pubs, and nightclubs. ByWard Market, Elgin Street, Little Italy, and Chinatown are popular destinations. You also have the choice to cross over to Quebec and visit Hull and Gatineau.
Ottawa lies on the Southbank of the Ottawa River. In terms of nature, it is perhaps best known for the Rideau Canal. Other top nature destinations in the region include Gatineau Park, Rideau Falls, and Hog’s Back Falls.
Ottawa is home to the Senators of the National Hockey League (NHL). The Ottawa Redblacks of the Canadian Football League (CFL), also call the city home. There are also other minor pro leagues, minor league, and collegiate sporting teams in the area.
If you love music, Ottawa is a great place to live. In addition to hosting top international artists throughout the year, it also has world-class music festivals such as Bluesfest and the Ottawa International Jazz Festival.
Ottawa is a proud multicultural city and reflects the rich cultures and traditions of both English and French Canada. About 50 percent of residents speak English and 30 percent speak French. The remaining 20 percent speak other languages.
More than 200,000 immigrants call the city home. Of these residents, 45% are from Asia and the Middle East, 26% are from Europe, 14% are from Africa, 11% are from Central and South America, and 4% are from the United States.
14% of residents state their mother tongue is French. 22% have a primary language other than French or English.
As a diverse city with a large immigrant population, people practice different faiths in Ottawa. About 65% are Christian. 6.7% are Islam, and 1.4% are Buddhist.
The city has a humid continental climate. Being in the northeastern part of Ontario, Ottawa is known for its very cold winters. It averages about 88 inches of annual snowfall. Temperatures can reach -20 degrees Celsius or below. The wind chill can make it feel even colder. The coldest month of the year is January. The average temperatures range from -5 C to -14 C.
The good news is the spring and summer months warm up considerably. You can expect daytime highs averaging about 25 C from June to August.
Ottawa is consistently ranked as the best place to live in Canada as well as one of the best 100 cities in the world. Its diversity, strong economy, schools, and Canadian history make it a great place for newcomers. It also ranks as the best place to live for new immigrants to Canada.
Absolutely. Ottawa is an excellent location for immigrants to live. The city is clean, friendly, and culturally diverse. It has a good transit system, is great for pedestrians, and offers many housing options. The city has a world-class education system and is home to the Federal Government. Perhaps most important for newcomers, it offers a range of career opportunities.
Ottawa can be an expensive place to live. While it does have slightly lower than average housing prices, rent is higher than in most cities. Food, entertainment, and transit can be more expensive than in a smaller city. But, considering the career opportunities and job prospects, it balances out.
In the excitement of getting your Confirmation of Permanent Residence (COPR), it’s vital to consider the first things to do after landing in Canada. It’s now time for the next step along your immigration journey. Your Canadian journey begins when you complete all the paperwork, pack your belongings, and say your goodbyes. The first steps you take upon your arrival in Canada will set the course for a smooth settlement process. Discover the vital steps to building your life your life in Canada!
Knowing what to expect when you land will contribute to a smooth experience and reduce stress.
One of the first people you will meet at your arrival point in Canada will be a friendly Canada customs agent. This is when the customs agent will ask you about the goods you carry with you, goods to follow, and landing certificates such as your COPR.
You’ll also meet other officials from Immigration Services. They will ask you to show your passport and visa papers. Immigration agents will give you application forms to apply for documents such as your:
Applying for these documents within the first couple of weeks after you land in Canada is important. You will need a SIN card to work in Canada, and a health care card to get provincial healthcare coverage.
Your PR card is proof of your Canadian permanent resident status. You will need this card whenever you leave Canada and want to re-enter. The processing time for your PR application can vary and it can take up to two months to receive your PR card. You can check processing times here.
Immigration, Refugees and Citizenship Canada (IRCC) will mail you a wallet-sized plastic PR Card. If you change your mailing address before receiving your PR Card, notify IRCC of your change of address. You can also check the status of your application.
Once you decide to immigrate, it’s time to look ahead confidently. You’ve done so much to prepare for Canada, so trust yourself, enjoy the journey, and take these steps when you land in Canada.
It’s important to secure short-term accommodation (a stay of less than 28 days) before you arrive in Canada. While residing in temporary housing, a vital first step is to find accommodation in Canada that will suit your long-term rental needs.
Ideally, you want to find a place that meets your needs and is relatively close to your employer. If you’re moving to a large city like Toronto, pay attention to how dispersed it is. Travel time within the Greater Toronto Area can take up to 90 minutes by car or public transit. So, factor in travel time when deciding where to live.
Rentals for Newcomers is a great place to search for the perfect rental in cities across Canada. While it’s good to research the housing market in Canada before you arrive, the best time to search for housing is after you arrive in Canada. This will allow you to visit properties, meet the landlord, and avoid rental scams.
Apply for your SIN within the first week after you arrive in Canada. Without this nine-digit number, you cannot get a job, apply for government programs and benefits, or access credit. In fact, without it, you are virtually a person without an identity in Canada. There is no cost for you to get your SIN.
Within the first week of your arrival in Canada, apply for a healthcare card to receive free medical coverage in the province or territory where you plan to live. Some provinces, such as British Columbia, have a three-month waiting period before your healthcare coverage takes effect. It’s important to apply for provincial healthcare within your first week to minimize delays in coverage.
If you land in a province with a waiting period, you can buy private insurance to cover you and your family from unexpected healthcare costs. A waiting period applies for permanent residents in British Columbia, Manitoba, New Brunswick, Yukon, Northwest Territories, Quebec, and Saskatchewan.
There are many immigrant service agencies across Canada. Settlement agencies provide information and many free services to help you adjust to life in Canada. Some settlement agencies even offer pre-arrival services before you land in Canada. There is a huge advantage to using settlement services before and after your arrival in Canada.
If you have already arrived in Canada, you can search here for free post-arrival services.
Here are some services that you can take advantage of:
Improving or enhancing your English or French language skills is a great idea because it’s critical to newcomer success. Language training may focus on basic English skills only, and may not be enough to help you succeed in the work environment. However, many colleges and industry associations offer higher-level English training and job-specific or occupation-specific language training.
Some organizations may offer a host program. This volunteer-based program matches immigrants with a host who can guide them through their first few months in Canada. Your “host” can help you with questions about the best places to shop locally, find housing, or enroll your children in school.
Immigrating to a new country can be an emotional time. You may feel frustration, regret, and homesickness. Immigrant settlement agencies are there to support you with counselling for you and your family.
Immigrant settlement agencies are also a great first step to help you with your job search. For example, they can help you to:
You can also ask the settlement agency if they offer a mentorship program. Mentoring programs connect you with someone who works in your occupation and can provide information and tips about the profession in Canada. Mentoring can be a great way to help you succeed in the workplace.
Another priority in your first few weeks in Canada is to open a bank account near your home. To open an account, you will need your landed immigrant papers and any other identification you have to prove your place of residence. You can even open a bank account before you arrive in Canada.
Banks provide different types of bank accounts including basic savings and chequing accounts. You may need a chequing account in particular because most employers will make a direct deposit to your bank account to pay you.
Over time, you will build a good relationship with your bank, and start building your credit history. One way to build credit is to apply for a secured credit card and then a traditional credit card. With a secured credit card, you provide a cash deposit in case to pay your bills. Paying your bills and loans promptly is important to build a strong Canadian credit history. Your credit history will help you when you want to get a mortgage buy a home, make a major purchase such as a car, or get a loan to start a business.
Among the main reasons people immigrate to Canada is to give their children a better future. That starts with education. Canada guarantees an education to every child between the ages of five and 18. You must enroll your child in school as soon as possible after you arrive in Canada.
The progressive levels in the Canadian education system for children include:
Kindergarten: Children enter the school system in Kindergarten at age five.
Primary or Elementary School: After they complete Kindergarten, they attend primary or elementary school for grades 1 to 7 or 8, depending on the school district.
Secondary or High School: From grade 8 or 9 through to 12, children attend secondary school (high school). Some districts have a junior high level between elementary and high school.
You’ll be off to a great start when you take these vital steps upon your arrival in Canada!
Canada leads the way globally as a preferred immigration destination. Every year, hundreds of thousands of hopeful people apply to immigrate to Canada. However, understanding Canada’s many immigration programs can be confusing. Many people rely on consultants for help to immigrate to Canada. However, it’s important to understand how to select an immigration consultant. Discover what to know and how to avoid immigration fraud.
The primary way for skilled immigrants to live permanently in Canada is through the Canadian Government’s Express Entry program. There are three immigration programs under Express Entry, and each has different requirements.
You can visit the Government of Canada site to see if you are eligible for Express Entry. It takes about 10 – 15 minutes to find out if you are eligible and answer questions about your:
After you respond to the questions, you will:
When you complete the steps, you will receive a confirmation that your profile is complete.
The Canadian government determines how many Express Entry applicants will be admitted to Canada each month.
You can also hire an Immigration Consultant to help you apply to immigrate to Canada. An experienced consultant knows about the many streams and programs available for people looking to immigrate to Canada. With more than 100 Canadian immigration programs, they can help you select the right program.
The Government of Canada has important tips if you decide to hire a representative to help you with your immigration process:
Immigration consultants must be licensed by the College of Immigration and Citizenship Consultants. Review these helpful tips to ensure you select a qualified representative.
2. Ask the representative about their training and experience.
3. Find out how long they have been in business and ask for references.
4. Discuss the services they provide and their fee.
5. Get a written contract and read it carefully before you sign it. Ensure the contract lists all the services they will give you and clearly states the fee you discussed.
Also, if you use a representative who works in Canada, you can contact the Better Business Bureau (BBB). The BBB can tell you if they have received complaints about a citizenship or immigration consultant, lawyer, or other representative.
Ready to take control of your financial journey in Canada? Join our expert-led online webinar! Learn essential banking tips to build a strong financial foundation. Hear from David Frattini, Managing Partner at Prepare for Canada, and Neil Dhanani, Financial Advisor at Scotiabank, as they guide you through everything you need to know.
REGISTER FOR THE WEBINARIf you plan to immigrate to Canada, it’s vital to avoid fraudulent activity. Immigration fraud can have devastating consequences from delays to deportation. Here are some tips to avoid the risks:
Learn more about how to protect yourself from fraud.
If you’re having problems with your representative, see:
Source: Government of Canada
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.
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 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.
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.
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!
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.
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.
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:
Are you moving to Canada soon or already here? Do you need to find a job? Would you like to find good resources for finding employment in Canada? If so, join us for a free webinar where you can ask an expert your questions. We’ll discuss what you can do to make yourself more marketable to potential employers.
REGISTER FOR THE WEBINARIf 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.
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.
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.
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.
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.
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.
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.
Foreign income is taxable in Canada.
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.
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.
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 your ability to manage information, think and solve problems, use numbers, use digital tools, and communicate.
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:
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:
Strong writing skills are vital for many jobs. Writing skills include your ability to write clearly and concisely. This can include:
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 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 that 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.
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.
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.
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.
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.
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:
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!
IELTS (International English Language Testing System) is a popular English language test. It is commonly used by schools and organizations to assess and measure language skills. 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.
It’s important to 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.
For more information, tools, resources, and free webinars visit our finding a job in Canada resource page. Get the help you need to achieve your career goals in Canada!
Once you arrive in Canada, you have a decision to make: should I get a “survival job” to earn money or look for a job in my profession. A survival job is not the best first job you can get. But, since they are easy to obtain, survival jobs can be a helpful way to earn money to pay the bills. However, once you get a survival job, do not give up on your job search. The choice you make will greatly affect how you live in Canada for the next few years. This article will help you decide which path you should choose when you arrive in Canada.
We spoke to Linda Ryan, Provincial Manager (Apprenticeship Services) with BCCA. When it comes to survival jobs, Linda Ryan shares her advice:
“My advice is to fasten your proverbial seat belt, hunker down and budget to be out of work for up to six months. Then before you opt for that survival job (a job that pays the bills but doesn’t relate to your career dreams and/or existing education, qualifications and industry experience) take a deep breath and consider all your options and the associated positive and negative consequences of each. Only when you have given yourself the gift of considering all impacts of a decision, should you take action.
Linda Ryan, Provincial Manager (Apprenticeship Services), BCCA
A survival job can pay the bills. But, it doesn’t relate to your career dreams or professional background. Often, it’s a low-paying job that requires little to no skills. These jobs are easy to obtain and earn you just enough to pay the bills. Generally, survival jobs earn you under $20 per hour.
Survival jobs usually have long and tiring shifts with only one or two days off every week. These jobs also offer very few benefits from the employer such as medical or dental benefits. Although, it’s good to ask the employer if they do provide any benefits.
Some examples of survival jobs include:
Since a survival job requires little skill, it doesn’t have to be related to your profession. What skills you might need for your survival job, the employer will provide training.
Getting a survival job is not always the best option after you arrive in Canada. Survival jobs can leave you with little time and energy to continue your job search. At the same time, survival jobs often give you a feeling of self-satisfaction or ease. This is because they don’t require you to do a lot of thinking and the tasks you have to do are generally easy.
When both of these factors are combined, newcomers often give up on their job search after a few years of doing survival jobs. The longer you keep a survival job, the harder it will become for you to find a job in your profession.
Another big disadvantage of doing survival jobs in the long term is experience. At first, it might sound illogical, but doing a survival job for a long time can hurt your Canadian experience.
Earning money with a survival job for a short period is good for building Canadian experience. However, when you do such a job for a long time, employers might be hesitant to hire you as you have been doing only a survival job for the past few years. Any experience you might have had in your profession will count as older work experience and may not be taken into consideration.
“As a skilled newcomer to Canada often the biggest shock to your career trajectory is realizing that it takes time to secure work in your field of expertise.”
Linda Ryan, Provincial Manager (Apprenticeship Services), BCCA
Then, of course, there is the matter of income. Survival jobs earn you an annual income of around $30,000 to $50,000. Depending on where you live in Canada, this income probably won’t be enough to save up for a down payment and buy a house.
In cities like Toronto or Vancouver, this salary will barely even pay the rent. Overall, a survival job allows you to earn income to help you get by until you find a job in your field. It is not meant as a permanent job and you should never think of it as your permanent job.
Many survival jobs are found in the service sector such as restaurants or tourist attractions. As Ryan explained, based on the experience of her clients: “survival jobs pay lower and create a negative cycle of ‘no time and no energy’. This is because you have to work longer hours to earn enough money, or you can’t take time off to attend interviews for your dream job. As a result, you have little energy to go home after a shift and invest in your career, pastimes, or family. This negative cycle leaves newcomers asking what did I come to Canada for?”
Another client of Ryan’s stated: “survival jobs can be more of a hindrance than a help for your career because they cannibalize the energy you have for networking, job hunting, professional development and interviewing.”
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Since they are easier to obtain than regular jobs, survival jobs are usually the first job newcomers get in Canada. Canada is an expensive country that is hard to live in for a long time without earning stable money. A survival job will earn you just enough money to get by and maybe acquire some savings if you spend carefully.
Looking at the disadvantages of survival jobs, it is obvious that they may hurt your chances of getting a job in your profession. However, survival jobs are important in some situations.
When you arrive in Canada it’s wise to have up to six months of savings while you conduct your job search. If you don’t have enough savings to last you a few months, it will be hard to continue your job search without earning additional money. In this scenario, it’s helpful to get a survival job as soon as you arrive in Canada to earn money.
If you have enough savings to last you a few months, you should look for a job in your profession without any distractions. If you still cannot find a preferred job after that time, and your savings are running out, it’s time to find a survival job. As the name suggests, survival jobs are there just so you can pay the bills, nothing more.
The answer to that question varies depending on your situation. Not everyone is in the same financial situation when they arrive in Canada. Whether or not you should get a survival job depends on how much savings you have, and the job outlook for your profession.
If possible, try to find a job that is related to your field. This way, when you apply for a job in your profession, you will already have some Canadian experience.
If you do have some savings, plan how long you can live on your savings. In that time, do everything in your ability to search for your preferred job. This can include:
At the end of this time, if you still can’t find a good job, it’s time for a survival job to earn money.
It’s vital to research how your profession works in Canada before you arrive. Many newcomers come to Canada thinking they will find a job in their profession easily. This isn’t always the case. Getting a job in Canada is easy if you conduct your job search the right way. This is why it is really important to research your profession before you arrive and start networking with people in your profession.
Most people will probably look for the highest-paying survival job they can find. This may not be the best approach. It is always best to find a survival job that is related to your profession in some way.
If you have a specific organization or company you want to work for, try to get a job there. For example, if you’re a teacher, you could try to get a job as a lunch supervisor or an assistant teacher. That way, when you apply for a teaching job, you will already have some Canadian experience that can help you land the job.
If you cannot find a job that is directly related to your profession, you can try to look for survival jobs that share some of the same skills with your profession. A good example would be teachers who could tutor part-time or even full-time to show future employers you can teach to Canadian standards.
When you search for survival jobs with this approach, your chances of landing a good job will be greater.
Finding a survival job in Canada is fairly easy if you know where to look. Below are some resources and techniques you can use to find a survival job in Canada.
Networking is the number one way of getting any kind of job in Canada. Simply put, networking is building relationships that will help you with your career. Effective networking happens by building two-way relationships. You have to show your value and prove that you have the required skills and experience to do the job. Your network can include your friends and relatives as well as people you meet during your job search.
Just showing your resumé to the HR department of the organization will not be enough. Words are much more effective and convincing than any cover letter or resumé. When you talk to someone who can help you get a job, tell them about your capabilities and skills. When that person hears about a job opening, make sure they remember you. If you left a good impression on them, they might even recommend you for the job.
Another great way to find jobs is through employment agencies. These agencies are hired by companies to find capable and experienced workers. It would be a good idea to look up some of the best employment agencies in your area and approach them. According to the Association of Canadian Search, Employment & Staffing Services, over two million workers are hired through employment agencies every year!
Online job boards are the most common way to find jobs. Websites such as Indeed and LinkedIn are great online job boards to find jobs. LinkedIn can also be used for networking. Employers use online job boards to advertise available jobs. If you see a job that interests you, you can apply directly to the employer through the job board.
Read: Canada Job Bank: Your Vital Research Tool
In summary, a survival job is not the best first job you can get. But, since they are easy to obtain, survival jobs can be a helpful way of earning money to pay the bills. Once you get a survival job, however, do not give up on your job search. Ryan offers this final advice:
“As a newcomer looking for your first role in Canada, remember that the sooner you make it look like you have ‘Canadian experience’ (i.e. through career-relevant credentials, memberships of local professional associations, building your network, taking more junior roles that will lead to your dream job), the sooner you’ll be considered equal to Canadian educated and experienced job candidates. This will allow you to get your foot in the career door faster! And once you’re in, your career is already building momentum to be back on track!
*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.
A lesson many newcomers learn when they arrive in Canada is that you need credit to pay for large expenses, buy a car, or purchase a home. However, it’s difficult to borrow without a credit history in Canada. Canadian lenders typically check each applicant’s credit files at one of the main credit reporting agencies (Equifax Canada and TransUnion). This file is like a financial report card that tracks how much you borrow and how quickly you pay it back, to calculate your credit rating and credit score.
Without a credit history, newcomers may need a loan co-signer with a Canadian credit rating, and considerable assets as collateral, or they must demonstrate a history of stable income in Canada to receive a loan. Fortunately, you can start to build your credit record and history shortly after you arrive in Canada.
The financial decisions you make when you arrive in Canada have a huge impact on your credit history and score. The concept of credit can sometimes lead to a debate about how it can help, or hurt you when you are building your credit rating. On one hand, credit can be a fantastic tool to help you:
On the other hand, if poorly managed, credit can haunt you for many years, and make you miss out on financial opportunities. Creditors can run a credit check on you to assess if you are a low-risk or high-risk borrower. They will also decide to grant or deny you a loan or charge you a higher interest rate.
Your credit history shows lenders that you are responsible when repaying your financial obligations. Whether that is your monthly rent, utility bills, loans, etc. If you come from a country with credit bureaus, you know how important your credit history is. Maintaining a good credit history in Canada is also important. We’ll share tips to help you build and maintain a healthy credit report. With a strong credit history, you can save money and have more financial freedom.
So what is your credit score when you come to Canada? Nothing. Think of it as a blank slate. Your financial habits will dictate the direction of your credit rating up or down.
Your credit history or credit rating starts the first time you get a credit card or loan in your name from a Canadian bank. You can begin by applying for and using a credit card responsibly.
Even if you don’t have immediate plans to buy a house or vehicle, it’s good to establish a credit history, since banks may give special consideration to recent newcomers.
Newcomers may be eligible for a ‘secured’ credit card. A secured credit card is different than a regular credit card because it requires a security deposit equal to the amount of the credit limit. Think of it as a stepping stone to getting an unsecured credit card. Such special offers may be more difficult to obtain later, especially if your income does not grow as fast as you had hoped. A credit card is also useful for larger purchases and as a secondary piece of identification.
Your credit score is important for several reasons:
2. Landlords will conduct a credit check before renting their property to you.
3. Some employers will conduct a credit check before they make a job offer. This is common in some roles at banks and other financial institutions such as insurance companies.
Your credit score can fall between the range of 300 – 900. Generally, and depending on the credit score model that your financial institute is using a good score is greater than 680. As a benchmark, to get a mortgage to buy a house in Canada, you need a credit score between 600 – 700. If your credit score is lower than 600, you will want to take steps to increase your credit score.
Once you receive a credit card, use it wisely to establish a credit score so that lenders will have confidence in your ability to repay loans.
Your credit score can fall between 300 – 900 points. You require a minimum of 650 points to qualify for a loan. It’s difficult to get a loan or receive new credit with a low score. However, if you have a low credit score, you can improve your score by carefully managing your credit use.
Ready to take control of your financial journey in Canada? Join our expert-led online webinar! Learn essential banking tips to build a strong financial foundation. Hear from David Frattini, Managing Partner at Prepare for Canada, and Neil Dhanani, Financial Advisor at Scotiabank, as they guide you through everything you need to know.
REGISTER FOR THE WEBINARIf possible, avoid using more than 30% of your credit limit (balance-to-limit ratio). For example, if you have a credit limit of $1,000, you should try not to spend more than $300 and pay the bill in full by the due date.
Your credit score may decline if your balance-to-limit ratio exceeds 30% because it indicates to creditors that you are a higher-risk borrower.
It’s best to start with only one until you are financially comfortable enough to afford more. Avoid opening many credit accounts. Many credit card accounts can signal financial distress to lenders, especially if they all carry a balance on them.
Your credit history is one of the things landlords want to see before giving out their home to you. Your credit history will tell the landlord how reliably you pay debt. A good score and credit report in Canada will show the landlord you are reliable and will likely pay your rent on time. This is important to landlords as it guides their decision about who to rent their home or avoid.
While this arrangement is great for landlords, it can be problematic for newcomers looking to rent a home. If you are a newcomer to Canada, you likely will not have a credit history. It takes a minimum of six months to build a credit history. Because of this, it can often be hard to convince a landlord that you will be a reliable tenant. However, there are some tips that you can follow to rent a home without a credit history.
The first thing you can do is show proof to your future landlord that you have a good amount of savings in your bank account. This will tell the landlord that you have enough money to pay the rent and will pay it on time.
If you don’t have large savings, your top priority is to secure a source of income. Once you have done that, you can show proof of income to your landlord. This will also satisfy landlords because it means that you have enough stable income to pay the rent each month.
In the meantime, pay any bills you have on time to show lenders that you are financially responsible. Over time, you will build a strong credit report in Canada that can open doors to your financial goals.
Get a credit card or two, and use them, but use them sensibly. Pay off your balance monthly and avoid exceeding your limit to show potential lenders you are reliable.
Paying in full each month will reduce the amount of interest you pay. And with the average credit card interest rate at approximately 20%, any balance on your credit card can be expensive. But, if you don’t pay the balance in full each month, pay attention to how much you pay in interest.
If you can’t pay the full balance on your credit card, at least pay the minimum balance and make regular payments, to pay debts as quickly as possible. But, avoid missing payments. Missing payments can damage your credit score and make it difficult to get a future loan such as a car loan, or mortgage.
Using your credit card for cash advances is even more expensive. Typically, the interest rate is higher and you pay interest from the date of the cash advance. There is no grace period like there is for a regular credit card purchase.
On top of paying your monthly bills and loan installments on time, be careful when you sign up for services such as cable, telephone, internet, gym memberships, and other monthly subscriptions. Check the cancellation fees and deadlines when you sign up for services. Otherwise, these fees can be high.
Ask questions about your contract if there is anything that you do not clearly understand.
Remember to cancel or transfer your services and utilities when you move to a new address. Sometimes final bills end up in collections out of sheer neglect, and from collections, they land on your credit report for the next six years. This will negatively affect your credit report in Canada. Keep track of changes and record the date, the names of the agents you speak to, and your case number. Keep any receipts to prove that you cancelled the service.
Don’t be complacent with your payments if you hit a rough patch such as a job loss. Call your creditors and negotiate monthly payments. They will likely be willing to help you because sending outstanding accounts to collections will cost them money. Cancel or suspend services you can do without, rather than have the bills rack up.
It’s wise to live within your financial means. As the saying goes, “It’s not how much you earn, it’s how much you spend.”
Most banks including Scotiabank offer account holders this facility. Alternatively, use free services like Borrowell to monitor your credit. If you notice outstanding payments you have paid off on your report you should inform the reporting agency in writing so that this may be removed.
Credit reporting agencies such as Equifax and TransUnion record your credit history. Your credit report in Canada will contain information on your:
Collections items stay on your credit report for six years, and legal items stay for ten years. So it’s essential to practice good financial habits that don’t jeopardize your credit rating. Your credit history speaks volumes to lenders about what kind of risks they take when they agree to lend you money. It takes a long time to build a credit history. Yet, it’s easy to sabotage and takes even longer to rebuild.
So, can you live without credit? Yes. But, should you try to do without it? No. Because without credit, it will be difficult to improve your living standards, at the very least, not as quickly as you would like. And, when it comes to making major purchases such as buying your first home, a strong credit report in Canada is essential. When you manage how you use credit, you’ll remain in good financial standing and be able to secure credit to achieve your important dreams.
Moving to Canada is a big decision. And choosing the right city to settle in is another crucial decision. The city you select will affect your career, earning potential, living expenses, and quality of life. And, it can greatly determine your future success in Canada. Kitchener-Waterloo region is one of many cities to consider living in Ontario.
Choosing the right city to call home is a decision you cannot take lightly. Researching your destination city in Canada is vital. Importantly, you need to understand the local job market and the housing market because these two factors will impact your financial success. For example, you need to understand if your skills match the local labour market to secure a job. And, you need to understand how affordable the local housing market is. Housing costs in Canada vary. For example, you could rent a larger house in a small city for the same cost as renting a small apartment in Toronto or Vancouver.
Prepare for Canada can guide you with helpful information about living and working in the Kitchener-Waterloo region.
The Kitchener-Waterloo region is an active, thriving place to live, work, study and invest. Immigrants come from all over the world to make the region their home in Canada. It has a thriving technology sector, is along a major highway and is the 4th largest Census Metropolitan Area (CMA) in Ontario. Commonly referred to as KW or the Tri-cities, the CMA includes the three urban centres of Kitchener, Waterloo, and Cambridge plus, four scenic rural townships: North Dumfries, Wellesley, Wilmot, and Woolwich.
KW is a popular and affordable alternative to living in Toronto and offers a mix of big-city benefits and small-town charm. From KW, you can drive to the nearby cities of Toronto, London, Brampton, and Hamilton in about one hour. The area is close to nearby airports including the Region of Waterloo International Airport, London International Airport, and Toronto Pearson International Airport.
Over 623,000 people live in Kitchener-Waterloo-Cambridge (as of 2020). More than half live in Kitchener. The population has been steadily increasing by about 1.5% – 2% per year. However, over the past few years, it has been one of the fastest-growing regions in Ontario. It is expected to reach 729,000 people by 2031.
The KW region has a diverse economy that covers a range of sectors from manufacturing to high-tech industries. The area historically also has one of the lowest unemployment rates in Ontario.
The city of Waterloo has significant insurance and high-tech sectors. Kitchener is known for its manufacturing industry.
The region is home to world-class employment and the employment rate is one of the highest in Ontario. With a strong manufacturing base and other industries to provide meaningful employment, it is also a fast-growing hub for:
The KW region has many large employers such as Sun Life Financial, the University of Waterloo, Manulife Financial, Sandvine, and Wilfrid Laurier University.
The city is also home to three well-known think tanks: the Perimeter Institute for Theoretical Physics, the Institute for Quantum Computing, and the Centre for International Governance Innovation. Together with Kitchener and Cambridge, Waterloo is part of Canada’s Technology Triangle (CTT), a joint economic development initiative that markets the region internationally.
Some of the area’s top employers include:
The job growth rate is on the rise. Total employment is close to 290,000 (2017). The region has the 10th largest workforce and the 4th largest manufacturing workforce in Canada. The top industries that are hiring are technology, manufacturing, insurance, and health care.
You can search for jobs through local recruiters such as Randstad Canada, RobertHalf, Biznets Professional Recruitment, Adecco Staffing, and MaxSys.
A key priority when moving to KW includes finding the perfect place to call home. And, it’s common for new immigrants to rent or live in a short-term rental before buying a house in KW.
Waterloo has a range of housing types with various sizes, characteristics, and prices. Relatively, you’ll find that housing prices are affordable, lower than in Toronto and the surrounding area, but higher than in some other southern Ontario communities located away from Toronto.
It’s best to research the rental housing market before you arrive so that you have an understanding of costs. You can use online rental sites such as Rentals for Newcomers to search for available rental units in the KW area. Here, you can also find current rental prices. This is helpful since prices can change often. However, it’s best to conduct your search for rental housing when you arrive in Canada so you can physically view the apartment and meet with the landlord. This is also the best way to avoid rental scams.
| CITY | AVERAGE RENT 1-BEDROOM APARTMENT | AVERAGE RENT 2-BEDROOM APARTMENT |
|---|---|---|
| Kitchener | $1,867 | $2,324 |
| Waterloo | $1,629 | $2,450 |
| Cambridge | $1,906 | $2,333 |
When renting a home or apartment, it’s also important to consider . This will protect your family, belongings, and finances from unforeseen events and liability. While renters’ insurance is optional, many landlords require it as part of your lease agreement. Get more information about renting a home: Renting in Canada: What Newcomers Need to Know
In comparison to Canada’s largest cities, Vancouver and Toronto, the KW region offers more affordable housing.
| CITY | SINGLE-FAMILY DETACHED HOME MEDIAN PRICE | CONDOMINIUM MEDIAN PRICE |
|---|---|---|
| Kitchener-Waterloo-Cambridge | $855,300 | $467,300 |
| Vancouver | $1,747,600 | $766,700 |
| Toronto | $1,399,000 | $725,400 |
To buy a home, contact a local realtor who will guide you through the home-buying process. Find out more about buying your first home in Canada: First Time Home Buyer: Newcomer Tips
Kitchener-Waterloo is conveniently located close to Highway 401, providing quick access to other major cities in the region. Highways 7 and 8 also pass through the area. It is common for residents to commute in and out of the city for work.
Drivers must have a valid Ontario driver’s licence. You must be at least 16 to drive and pass the graduated licensing system to get a full G licence. You require a Class A or D licence to operate commercial vehicles.
Getting Your Drivers License in Ontario
Driving Test in Canada: A Full Guide
Tips for Winter Driving to Ensure Your Safety
Getting Your Driving License in Canada
The Grand River Transit system operates a bus and light rail system within the KW region. For maps, routes, and schedules, click here.
The cost to ride public transit varies depending on the route, method, and distance. Click here for fares and routes. And with GO Bus and Train services, you can live in the region and still have quick and convenient access to Toronto.
The KW area is diverse and welcomes immigrants from around the globe. You can find settlement agencies across the region to help you adapt to your new community and access other services. Refugees and new immigrants can use services such as:
Kitchener-Waterloo Multicultural Centre.
If you want to have your English language skills assessed or get language support, you can access many local programs. For example, Conestoga College, St. Louis Adult Learning Centres, English at First, and Renison University College offer Language Instruction for Newcomers to Canada (LINC) classes. Work-specific programs are also available.
All local banks in Waterloo have programs to help newcomers open a bank account and get a credit card. You can learn about getting a mortgage, personal loans, and investments. Visit a local bank branch to start the process.
Get more banking tips for newcomers:
Top 10 Financial Steps to Take Before You Leave for Canada
Move to Canada | Transferring Cash & Valuables
Open a Bank Account Before Arriving in Canada
There are many learning opportunities for your children in the Kitchener Waterloo Region. There are separate boards for catholic and public education.
Waterloo region has 121 schools – 103 elementary schools and 16 high schools. There are 46 Catholic elementary schools and five Catholic high schools. In addition, Kitchener-Waterloo has several private, adult, and continuing education institutions.
The region is home to two universities and one technical college:
University of Waterloo is well known for its computer science, and mathematics, and is the top Canadian university for engineering.
Wilfrid Laurier University is known for its business and economic programs.
Conestoga College is consistently rated as one of the best colleges in Ontario.
Read more about education in Canada:
Schooling in Canada | A Look at the Education System
Higher Education Offers Benefits to Newcomers
Four hospitals serve the KW region including Grand River Hospital, Freeport Campus, St. Mary’s General Hospital, and Cambridge Memorial Hospital. In case of an emergency call 9-1-1. This number is the same no matter where you live in Canada.
For prescription drugs and some services that the Ontario Health Insurance Plan (OHIP) does not cover, you can pay for private . Some employers offer third-party health insurance as part of their benefits package. Otherwise, you can take out an individual policy. For more information about health care in the Kitchener-Waterloo region, click here.
The KW region, like many other areas in Ontario, has a shortage of doctors, so finding one can be difficult. Start looking for a physician who is taking new patients as soon as you arrive in the region. Register with Health Care Connect to find a doctor. Learn more about health care in Canada: Steps to Access Free Health Care in Canada
Waterloo is a great place to work, attend school, and raise a family. There are many things for new immigrants to do for fun and leisure. The region has historic landmarks, a broad selection of excellent restaurants, thriving farmers’ markets, art galleries, museums, antique shops, and factory outlets.
The top attraction in the region is Kitchener-Waterloo Oktoberfest. Each year people since 1969, people love to celebrate the second-largest Oktoberfest in the world. It is also home to many other events such as the Kitchener-Waterloo Multicultural Festival, Kitchener Blues Fest, and Kultrun World Music Festival.
The KW area is filled with diverse restaurants, pubs, and bars. There are many locations featuring European and German cuisine. The downtown areas in Kitchener, Waterloo, and Cambridge are great places to get a bite to eat.
Waterloo Region has many parks and trails along the Grand River for residents and visitors to explore. Larger parks, like Waterloo Park and RIM Park, have ball diamonds, sports fields, picnic areas, public washrooms and access to transit and parking.
The region is home to the Kitchener Rangers of the Ontario Hockey League and the KW Titans of the National Basketball League of Canada. The entertainment scene offers a wealth of live theatre, concerts by local and visiting artists, and performances by the Kitchener-Waterloo Symphony.
According to the 2021 Statistics Canada census, 146,575 immigrants live in the Waterloo Region. The region has the 8th highest proportion of immigrants in the province. Between 3,000 and 4,000 new immigrants move to the area annually.
In the last decade, the greatest number of immigrants were Asian, of which 18,265 were from India. European-born immigrants made up 47,630 with the highest number of immigrants coming from the United Kingdom with 10,130 people.
Since the Waterloo Region has German settlement roots dating back to 1916, there is also a large German community. And, there are more than 50,000 people in the region with German ethnic origins.
Waterloo Region is home to many places of worship, providing faith communities across the city with reflective spaces. For a list of churches and other places of worship in the Waterloo Region, click here.
The region has a humid continental climate with four distinct seasons and large temperature differences. It has warm summer months and moderate winters.
Winter usually lasts from mid-December to mid-April and this is when you can expect snowfall. The average high in January is -3.1°C and in July rises to 25.9°C.
Housing in the KW area is less expensive compared to other Ontario cities. A major benefit is the average salary is comparable to what you get in big cities, so the overall cost of living is lower. There is ample opportunity to find affordable housing in KW and surrounding communities.
Kitchener-Waterloo offers new immigrants many benefits. It is a safe and affordable community and offers many great festivals and cultural events. It’s also close to other cities. You can also live in surrounding communities, with many housing options. One drawback people often express is it is a student city because of the two universities. Traffic can also be heavy during rush hour.
Many people compare cities in Ontario to Toronto when thinking about where to move. The KW region offers many of the same career opportunities as Toronto, especially in technology, but the cost of living is about 20% cheaper. You are only an hour drive from Toronto, so you can still enjoy the big city amenities without the higher cost.