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While vacancy rates have improved in parts of Canada, renting your first apartment can be a challenge. Newcomers must submit a winning rental application to compete and secure quality rentals. Well-priced apartments attract a large number of applicants, especially in major cities like Toronto, Vancouver, Calgary, and Ottawa. These cities have low vacancy rates (often below 2%), and high demand means landlords can be selective. Properties near schools, transit, and shopping centers get snapped up quickly, and in some cases, there are waiting lists for apartments in popular buildings. For newcomers, it’s vital to stand out in the rental application process.
This guide will help you:
Landlords want tenants who:
You can strengthen your rental application by preparing a complete, professional rental profile.
Most landlords will require you to complete a rental application. Complete and submit it promptly to gain a competitive advantage.
Applications often don’t ask for a bio, but openly sharing information about yourself can impress a landlord (particularly if you will be living in the same building). Here’s what else to include:
| DOCUMENT | WHY IT HELPS |
|---|---|
| Rental application | Landlords require a completed application form with your info and history. |
| Short bio or cover letter | Introduce yourself. Mention your background, employment, and why you’d be a great tenant. |
| References | Preferably a past landlord. If unavailable, use employers, colleagues, or professors. |
| Record of employment or job search info | Show where you work or what jobs you’re applying for. Students should include school enrollment and program. |
| Proof of funds | Provide a bank statement or a letter from your bank showing you can cover rent (ideally, three to six months). |
| Guarantor letter | A friend or family member in Canada can agree to cover rent if needed. |
💡 Pro Tip: Be cautious of landlords who ask for cash; it could be a rental scam.
Landlords often choose tenants they trust and feel comfortable with. Beyond your rental application, you need to stand out as a person. Here’s how to do it:
Unlock the Secrets to Crafting a Winning Rental Application. Are you a newcomer to Canada searching for your perfect rental home? Look no further! Our comprehensive guide will help you navigate the rental application process confidently and successfully!
GET FREE GUIDEIn a tight rental market where the vacancy rate is less than 2%, consider offering something extra (within your means):
Only offer what you can realistically afford. Landlords appreciate honesty over overpromising.
Before booking viewings and completing rental applications, ask yourself:
Be flexible. As Jesse Greenwell of Mainstreet Equity, Canada’s largest property management company, notes:
“It’s often cheaper to live near amenities than inside buildings that include them. Public transit can save you a lot on car-related expenses.”
Don’t be discouraged. The rental market in Canada can be tough, even for locals. If you don’t get a unit, politely ask the landlord for feedback so you can improve your next rental application.
“Tenants are going above and beyond in places like Toronto,” says Ontario Landlords Watch founder Kayla Andrade. “They show their full credit reports, offer money upfront, anything to secure a rental.”
Related Posts:
Can You Rent in Canada Without a Credit History?
Securing a rental in Canada as a newcomer can be challenging, but with these rental application tips, you can stand out. A strong application goes beyond filling out a form. Landlords appreciate applicants who are:
Nelda Schulte, an experienced landlord, stresses that tenancy is a relationship that you can build at the first showing by being polite and respectful. “I have some tenants who have been with me for five-plus years. They are always polite, respectful, and grateful for things I do to keep the property in good shape and keep them happy. In turn, I’m grateful to have them as tenants.”
By presenting yourself as a responsible and reliable tenant, you’ll increase your chances of getting the home you want.
Yes, you can rent a home in Canada without a credit history, but you may need to take extra steps. Many newcomers and international students ask the same question: “Can I rent in Canada without a credit history?” Whether you’re searching for apartments for rent without a credit check or trying to rent an apartment in Canada with no credit, this guide offers proven strategies. Learn what documents you require and smart tips to help you secure a place to live, even if you haven’t had time to build your Canadian credit history.
According to Equifax Canada, “Over 60% of newcomers to Canada arrive without any Canadian credit history, making renting a home one of their first major challenges.”
Most Canadian landlords rely on credit checks to assess whether a potential tenant can reliably pay rent. If you’re new to the country and don’t yet have a Canadian credit history, this can seem like a major barrier. But it’s not a dealbreaker.
If possible, live temporarily with relatives or friends. This gives you time to:
Options include:
These short-term stays help bridge the gap while you establish credit. Bonus: Some offer free Wi-Fi and breakfast to help cut costs. Read more: How Can I Find Short-Term Rentals in Canada?
Searching for your first home in Canada? Join this exclusive session for key insights on housing market conditions, affordable options, and renting without credit history. Tailored for newcomers settling in the next six months, register now for valuable tips and a free guide!
REGISTER FOR THE WEBINARWhile provinces have limits on rental deposits (see below), some landlords may accept more rent upfront voluntarily:
👉 You are not legally required to pay more than the deposit limit, but you may stand out if you voluntarily offer more.
A guarantor, a friend or family member with good credit, can co-sign your lease. If you don’t pay rent, they’re responsible. This offers landlords peace of mind and can boost your application. Read more about rental application tips.
Providing a Canadian or international bank statement showing savings can help reassure landlords that you have sufficient funds to cover the rent. This is especially useful if you don’t have a job offer yet.
Search for:
As a newcomer, it’s vital to be aware of and avoid rental scams.
Smaller cities or areas outside major city centres may have less demand. You’ll face fewer applicants, giving you a better chance, even without a credit history. Just be sure the neighbourhood has:
A credit score is a three-digit number (300–900) that tells lenders and landlords how responsibly you manage credit. The higher the score, the better. For a step-by-step breakdown on building credit, check out How to Build Credit in Canada: A Guide for Newcomers.
“A good credit score in Canada is generally considered to be 660 or above.”
Source: Equifax Canada
Landlords check your credit to assess how reliable you are as a tenant. If your credit score is missing or low, they may request additional assurance. In addition to landlords, these organizations may also check your credit report:
👉 Consistent, on-time payments will raise your score and open doors to better rental options.
You can begin building your credit from the day you arrive:
Yes, it’s possible to find rentals in Canada that don’t require a credit check, especially if you look beyond traditional listings. These options are more common with private landlords offering basement apartments, sublets, or shared accommodations.
Additional documents can demontstrate your financial reliability. These may include proof of income or a job obber, recent bank statements showing savings, and valid identification and immigration documents.
Most newcomers can begin building credit within 6 months by using a secured credit card responsibly, paying bills on time, and opening a postpaid phone or internet plan.
Renting in Canada without a credit score can feel stressful. But, with preparation and the right approach, it’s possible. By staying informed, offering proof of savings, and building your credit early, you’ll find a home that suits your needs.
👉 Want more help? Register for our free newcomer housing webinar to get expert tips on renting without credit in Canada.
Yes, you do. If you’re moving to Canada and not immediately eligible for public healthcare, travel medical insurance is vital. Without it, a medical emergency could cost you thousands of dollars out of pocket. Here’s what you need to know before you arrive.
More than half of newcomers (54%) say financial stress is their top well-being challenge after arriving in Canada, according to a 2025 Securian Canada study. Travel medical insurance can help ease that stress by protecting you from emergency costs right from day one.
Canada has a universal healthcare system, but you must qualify for it. Most newcomers face a waiting period before they’re eligible for provincial or territorial coverage. During that time, you are responsible for 100% of your medical bills unless you have private insurance. Read more about how to get free healthcare in Canada.
The Government of Canada recommends that newcomers have at least $100,000 in travel insurance coverage for unforeseen accidents or emergencies. Yet despite this recommendation, 1 in 5 newcomers (20%) have no insurance at all, and 60% are underinsured, making them more financially vulnerable in an emergency.
Canadian Financial Tips Before You Move to Canada
In Canada, travel medical health insurance is often called ‘Visitors to Canada insurance’ (VTC). It refers to the same type of coverage.
You should buy Visitors to Canada (VTC) insurance if you’re:
VTC insurance typically covers you for up to 365 days and may be renewed depending on the provider.
Health care in Canada is expensive if you’re not covered. Here’s what you might pay:
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 WEBINARCoverage varies, but most plans include:
Not all plans are equal. Here’s what to check before you buy:
It depends on the province. Some have mandatory waiting periods:
| PROVINCE | WAITING PERIOD FOR COVERAGE |
|---|---|
| Ontario | 3 months after arrival |
| British Columbia | Up to 3 months |
| Alberta | Coverage begins immediately (if eligible) |
| Manitoba | Up to 3 months |
Buy travel insurance that covers the full gap until your provincial plan starts.
No. Travel insurance typically covers:
Travel medical insurance, on the other hand, focuses on medical expenses. Some packages offer both, but check carefully.
It’s more affordable than you might expect. On average:
Prices vary based on age, health, and coverage amount.
Navigating insurance isn’t easy. One-third (33%) of newcomers say it’s difficult or expensive to get professional advice, and 42% worry about being misled. That’s why understanding your options before you arrive is so important.
Ideally, before you leave your home country. Many providers require you to purchase the plan before your arrival date for full coverage.
Yes, but many policies have a 48-hour waiting period if purchased after arrival, so it’s better to buy before you land.
Yes, many policies are flexible. You can:
Extend coverage if your provincial health care is delayed
Cancel early and receive a partial refund if your public insurance starts sooner (proof required).
You should get coverage for at least 3 months, or until you’re eligible for your provincial or territorial health plan. Some provinces (like BC or Ontario) have a mandatory 3-month waiting period.
You’ll be responsible for 100% of the medical costs. A hospital visit or ambulance ride can cost thousands of dollars, so insurance is strongly recommended.
Yes. All accompanying family members should be covered during the waiting period.
You can, but many international policies don’t meet Canadian standards. They may:
Exclude certain types of care;
Have low coverage caps;
Lack emergency repatriation;
Offer no local support in Canada.
When possible, choose a Canadian-based provider with plans designed for newcomers.
Whether you’re immigrating, working, studying, or visiting family, travel medical insurance protects your health and finances from day one.
✅ Don’t risk costly medical bills.
✅ Get covered before your flight.
✅ Compare plans and get a free quote now.
With 58% of underinsured newcomers reporting high financial stress, getting the right insurance before you arrive in Canada can give you peace of mind and protect your future.
👉Start your coverage today → get a travel medical insurance quote!
Some of the best neighbourhoods in Calgary for newcomers looking to rent include Beltline, Mission, Signal Hill, Hillhurst, West Springs, Bridgeland, Inglewood, Lake Bonavista, Brentwood, and Altadore. These areas offer a mix of affordability, access to transit, family-friendly amenities, and walkability, making them ideal for students and families settling in Calgary.
Thinking of moving to Calgary? Whether you’re arriving as a skilled worker, international student, or newcomer family, choosing the right Calgary neighbourhood is key to settling in successfully. This guide breaks down the best Calgary neighbourhoods for newcomers, including rental and family-friendly options, so you can find the right fit based on lifestyle, housing type, and affordability.
The Beltline is one of Calgary’s most vibrant inner-city communities, offering everything from high-rise condos to boutique shops, trendy cafes, and a buzzing nightlife scene.
With proximity to the downtown core and major employment hubs, Beltline remains one of the best Calgary neighbourhoods for renting a modern condo or apartment downtown. It’s a favourite among professionals, students, and newcomers who want walkability and transit access. The lively area around 17th Avenue is known for its restaurants and nightlife.
Mission is a charming inner-city neighbourhood with character homes, low-rise condos, and quick access to the Elbow River pathways. It’s ideal for those who value a walkable lifestyle close to downtown, while enjoying a quieter, more residential atmosphere. The community has a rich history, a strong sense of identity, and affordability that attracts first-time buyers and renters.
As a newcomer, it’s vital to be aware of and avoid rental scams. Always view properties in person, verify the landlord or property manager, and avoid sending money before signing a legitimate lease.
Good for: First-time buyers, singles, professionals
Access: Excellent (close to downtown, CTrain, river pathways)
Vibe: Urban-meets-residential, historic, scenic, river-adjacent
Rental range: $1,600–$1,850/month (1-bed)
Searching for your first home in Canada? Join this exclusive session for key insights on housing market conditions, affordable options, and renting without credit history. Tailored for newcomers settling in the next six months, register now for valuable tips and a free guide!
REGISTER FOR THE WEBINARLocated in Calgary’s southwest, Signal Hill is one of the best Calgary neighbourhoods for renting a family home, with easy access to schools, shopping, and the Light Rapid Transit (LRT). With easy access to the West LRT line and stunning mountain views to the west, it’s a top choice for families and professionals seeking a peaceful, family-oriented environment.
Good for: Families, homeowners, suburban newcomers
Access: Good (West LRT nearby, car-friendly)
Vibe: Quiet, suburban, family-oriented with shopping plazas
Rental range: $1,500–$1,750/month (1-bed); higher for detached homes
Nestled near Kensington and the Bow River, Hillhurst combines the charm of heritage homes with modern infill developments.
It’s an inner-city gem with high walkability, access to shops, restaurants, and downtown, as well as top schools. Young professionals and families alike enjoy the mix of convenience and character that defines this neighbourhood.
Good for: Families, professionals, infill buyers
Access: Good (Calgary Transit CTrain access, walkable to downtown)
Vibe: Heritage charm meets modern living, community-focused
Rental range: $1,600–$1,800/month (1-bed)
West Springs offers a polished suburban lifestyle with modern homes, boutique shopping, and great schools. Though it’s farther from the downtown core, many residents enjoy the peaceful surroundings and amenities that make it feel like a small town within the city. It’s ideal for families or professionals who prefer quieter, more upscale environments.
Good for: Affluent families, commuters, lifestyle seekers
Access: Fair (bus access, car-dependent)
Vibe: Upscale suburban, boutique living, newer developments
Rental range: $1,800–$2,000/month (1-bed); higher for family homes
Bridgeland is a revitalized inner-city neighbourhood just northeast of downtown. Known for its parks, walkable streets, and eclectic dining scene, it’s popular with professionals and newcomers who love a mix of nature and convenience. The neighbourhood offers some of the best views of Calgary’s skyline and easy access to the Bow River pathways
Good for: Urban professionals, nature lovers, foodies
Access: Good (CTrain station, river pathways)
Vibe: Trendy, walkable, scenic with skyline views
Rental range: $2,000–$2,300/month (1-bed)
Inglewood is Calgary’s oldest neighbourhood, located just east of downtown. Its rich history blends with a modern, creative vibe, attracting artists, small business owners, and newcomers who love community spirit. You’ll find heritage homes, music venues, vintage stores, and riverside trails in a walkable and distinctive setting.
Good for: Artists, creatives, history lovers
Access: Moderate (bus, bike paths, walkable to downtown)
Vibe: Eclectic, artsy, historic with indie shops
Rental range: $1,600–$1,750/month (1-bed furnished)
Lake Bonavista, in southeast Calgary, was the first neighbourhood in Canada built with its own lake, created just for the community. Residents enjoy access to private beaches, parks, and a strong sense of community. This quiet, mature suburb is perfect for families seeking space, nature, and excellent schools, all while being close to major roadways.
Located near the University of Calgary, Brentwood is a well-connected, family-friendly area with plenty of green space and schools. With excellent access to the CTrain, it’s ideal for international students, faculty, and newcomers who want a peaceful lifestyle without sacrificing transit access. The housing mix includes detached homes and mid-rise apartments.
Altadore is a trendy southwest neighbourhood near the vibrant Marda Loop shopping district. Known for its modern infill homes, green spaces, and proximity to the Elbow River and Glenmore Reservoir, it’s popular among young families and professionals who want a walkable, lifestyle-focused community with great outdoor access.
Good for: Professionals, infill homebuyers, active families
Access: Good (bus routes, near major roads)
Vibe: Trendy, modern, walkable with outdoor access (Marda Loop, river)
Rental range: $1,800–$2,000/month (1-bed)
| AREA | AVG. 1-BED RENT (June 2025) |
|---|---|
| Beltline | $1,950 |
| Mission | $1,742 |
| Signal Hill | $1,537 |
| Hillhurst | $1,677 |
| West Springs | $1,927 |
| Bridgeland | $2,190 |
| Inglewood | $1,665 |
| Lake Bonavista | $2,026 |
| Brentwood | $2,092 |
| Altadore | $1,927 |
Altadore, Signal Hill, and Brentwood are safe, family-friendly communities with strong community associations and low crime rates. Always check the Calgary Police crime map for up-to-date safety information before choosing a place to live.
As of June 2025, average monthly rent prices in Calgary are approximately $1,650–$2,000 for a 1-bedroom and $2,000–$2,500 for a 2-bedroom.
For students attending the University of Calgary, Brentwood, is ideal due to its proximity to campus and transit access.
If you’re moving to Calgary or simply searching for the best places to live in Calgary, this guide can help you decide where to live based on your lifestyle, budget, and priorities. From the vibrant energy of Beltline to the family-friendly calm of Signal Hill, these Calgary neighbourhoods offer something for everyone. Whether you’re a newcomer, international student, young professional, or growing family, discover the best neighbourhoods in Calgary for renting and settling in with confidence.
Starting your life in Canada? One of the most important financial steps you’ll take is building your credit history. A strong credit history in Canada opens doors; it helps you rent a home, get a phone plan, apply for a loan, or even qualify for a mortgage. In this guide, we’ll walk you through how to build a credit score in Canada, even if you’re starting from zero. Whether you’re wondering how to build your credit score in Canada for the first time or looking to improve it, this step-by-step approach will help you succeed.
To build credit in Canada, start with a secured credit card, pay your bills on time, keep your credit use low, and use rent reporting services. Most newcomers can build a strong credit history within 6–12 months of responsible credit use.
In Canada, your credit score is a three-digit number that represents how reliably you repay money. The score ranges from 300 to 900, with lenders viewing higher scores as less risk. Your credit report reveals your history of credit use and repayment, which influences your credit rating.
According to Borrowell (2023), “It typically takes 6–12 months of responsible credit use to build a strong enough credit history to qualify for most loans.” That’s why it’s important to start building credit in Canada as early as possible.
When you arrive in Canada, you may face a challenge: you need credit to get a car loan, rent an apartment, or apply for a mortgage, but you can’t access credit without a history.
Lenders use your credit history (from Equifax or TransUnion) to decide if you’re a responsible borrower. This record includes:
Without this history, newcomers may be unable to get loans or face high interest rates unless they have a co-signer or collateral. Don’t worry, you can start building credit right away.
Join us for an eye-opening session on how to build your financial future in Canada with confidence. This free webinar is hosted in partnership with Scotiabank, a trusted leader in newcomer banking. Together, we’ll guide you through how the Canadian banking system works and share free tools and strategies to help you plan, save, and invest wisely as a newcomer.
REGISTER FOR THE WEBINARHere are practical steps to begin building your credit score in Canada as a newcomer:
Your credit history is like a financial resume. It shows lenders whether you repay debts reliably. Your history begins once you open a credit account in Canada, usually a credit card or a loan.
You arrive with a blank slate, so the habits you form early are vital. Even without plans to buy a home right away, building credit is smart.
Building a credit history in Canada doesn’t happen overnight.
Many banks in Canada offer special newcomer packages that include credit-building tools. Some even pre-approve you for a secured credit card. Over time, responsible use can lead to unsecured cards with better terms. You can read more about how to get a credit card in Canada and avoid common mistakes.
Your credit score (between 300 and 900) is a summary of your credit history. Here’s why it matters:
🔍 Lenders use it to decide if you qualify for a loan or mortgage
🏠 Landlords often require it before renting a home
💼 Employers (especially in finance) may check it during the hiring process.
| CREDIT SCORE RANGE | RATING |
|---|---|
| 760+ | Excellent |
| 725 – 759 | Very good |
| 660 – 724 | Good |
| 560 – 659 | Fair (may qualify for loans) |
| 300 – 559 | Poor (needs improvement) |
Example: On a $1,000 card, don’t spend more than $300.
Ideally, pay in full, but at least the minimum to avoid penalties.
Interest starts immediately, often at a higher rate.
Source: Government of Canada, Financial Consumer Agency, 2024“The average interest rate on Canadian credit cards is around 20%, and even higher on cash advances.”
Too many accounts = higher risk in the eyes of lenders.
Missed payments hurt your score and stay on your report for years.
Use free tools like Borrowell or your bank’s credit monitoring service.
Renting your first home in Canada as a newcomer can be a challenge, especially if you don’t yet have a credit history. This is a common barrier: over 80% of Canadian landlords conduct credit checks as part of their tenant screening process. That means your credit score, and what’s in your credit report, can influence whether you get approved for a rental. Landlords often run credit checks, but there are ways around it:
💰 Show proof of savings to demonstrate rent affordability
📄 Provide employment letters or pay stubs to prove income
👥 Use references from employers or past landlords
👨👩👧 Get a co-signer with Canadian credit history (if possible).
Building credit takes time; expect 6+ months for it to appear on your report. Until then, focus on responsible financial behavior.
Cancel or transfer utilities when you move
Missed final bills can go to collections and hurt your score.
Read the fine print on contracts
Know the policy and any penalties for canceling internet, gym, and phone plans.
Avoid defaulting, communicate with creditors
If you lose your job or face hardship, contact lenders to arrange a payment plan.
Only borrow what you can afford
Living within your means is the best long-term credit strategy.
Your credit report includes:
Collection items stay for 6 years, legal judgments for 10 years, so protect your report early.
You can start building credit within 6 – 12 months of using a credit card responsibly.
Yes! Rent reporting, utility bills, and even some mobile phone plans can help if reported to credit bureaus.
Yes. Through Nova Credit, select newcomers can transfer their international credit profile for review in Canada. However, there are some restrictions
Your credit history is your record of borrowing and repayment activity, while your credit score is a numeric summary of that history
Building credit in Canada may seem overwhelming at first, but every payment and responsible decision counts. Whether you’re using a secured credit card, signing up for rent reporting, or simply paying your bills on time, each step helps you move forward.
The key is to start early and keep your long-term goals in mind. Now you have the tools to build credit and your credit score in Canada the right way! Stay informed, be patient, and you’ll build a strong credit history that supports your future in Canada.
Getting a credit card as a newcomer to Canada is one of the most important steps toward building your financial future. Whether you’re looking to establish credit, manage everyday expenses, or eventually qualify for a car loan or mortgage, using a credit card responsibly can open many doors. Getting started with credit in Canada can feel overwhelming, especially if you don’t have a Canadian credit history. The fear of making mistakes or falling for credit card scams can make the process even more intimidating. That’s why it’s just as important to understand how to apply as it is to know what to avoid.
In this guide, we’ll walk you through:
Whether you’re newly arrived or planning your move to Canada, this step-by-step guide will help you build credit with confidence. You’ll learn how to avoid the pitfalls that can slow you down.
When you arrive in Canada, you’re starting fresh, even if you had great credit back home. Canadian lenders don’t have access to your international credit record, which means you need to build your credit history from scratch.
Using credit responsibly is one of the best ways to:
The easiest way is to apply for a newcomer or secured credit card through a major Canadian bank offering newcomer banking packages. These cards don’t require a Canadian credit history and often come with low or no fees.
TIP: Many banks will still approve a low-limit credit card if you apply through a newcomer program or use a secured deposit card.
Look for cards that help you build credit without high interest or complex rewards. You may want rewards, but not at the cost of high interest or confusing fine print. Start simple.
TIP: Start with a basic, low-risk card until you understand how credit works in Canada.
Common mistakes can harm your credit score, even if you’re trying to do the right thing.
Why it’s a problem: You’ll pay more in interest, and your debt will grow over time.
Solution: Pay off the full balance monthly, or at least more than the minimum.
Why it’s a problem: Late fees, interest hikes, and a negative mark on your credit report.
Solution: Set up automatic payments or reminders to pay on time.
Why it’s a problem: You might miss fraudulent charges or important updates.
Solution: Review your statement each month and report any errors right away.
Why it’s a problem: You could be liable for fraudulent charges.
Solution: Call your bank immediately to cancel and replace your card.
Why it’s a problem: High balances hurt your credit utilization ratio.
Solution: Try to use less than 30% of your total credit limit to maintain a healthy credit score.
TIP: You may rely on your credit card while waiting for income. Use it for small, essential purchases only, and create a repayment plan to stay ahead.
You don’t need to go into debt to build a credit score.
Want to know more about building credit? Read our post, Building Credit History in Canada as a Newcomer.
When you’re new to Canada and learning how credit works, you’re more vulnerable to credit card scams. Unfortunately, scammers often target newcomers who may not be familiar with how Canadian banks communicate or what to expect from a credit provider.
| TIME AFTER ARRIVAL | WHAT TO DO |
|---|---|
| Week 1 – 2 | Open a bank account and apply for a secured or newcomer credit card |
| Month 1 – 3 | Use your card for small purchases, pay it off monthly |
| Months 3 – 6 | Check your credit score and credit report |
| Months 6 – 12 | Consider asking your bank for a credit limit increase or upgrading your card |
Yes. Some banks let you apply as part of their newcomer banking package before you land. You’ll receive the card after you arrive and show your ID.
No. Your international credit history doesn’t transfer. You’ll need to build your credit from scratch in Canada.
Scores range from 300 to 900. A score of 650 or higher is considered good. The higher your score, the better your chances of getting approved for loans with lower interest
Getting a credit card in Canada is a powerful tool, but only if you use it wisely. By choosing the right card, paying on time, and avoiding common mistakes, you can build a healthy credit score and unlock more financial opportunities in your new home.
Need help? Join our free webinar:
Join us for an eye-opening session on how to build your financial future in Canada with confidence. This free webinar is hosted in partnership with Scotiabank, a trusted leader in newcomer banking. Together, we’ll guide you through how the Canadian banking system works and share free tools and strategies to help you plan, save, and invest wisely as a newcomer.
REGISTER FOR THE WEBINARWhether you’re moving to Canada permanently or arriving as an international student, selecting the right neighbourhood will shape your experience. Edmonton offers diverse communities, affordable housing options, and welcoming vibes, vital for newcomers looking to settle in and thrive. From walkable inner-city areas to quiet family-oriented communities, this guide explores the best Edmonton neighbourhoods for newcomers, based on affordability, rent prices, transit access, safety, schools, and community life.
As of 2025, Edmonton is home to over 1.4 million people in the metro region, making it the 6th-largest metropolitan area in Canada. What makes it appealing for newcomers, though, is its affordability.
According to Rentals.ca and Urbanation, the average rent for a one-bedroom apartment in Edmonton in June 2025 was $1,367 compared to $2,479 in Toronto and $2,671 in Vancouver. For a two-bedroom unit, the Edmonton average was $1,690, which is still one of the lowest among Canada’s major cities.
Here are just a few reasons why newcomers choose to live in Edmonton, Alberta:
Compared to other major cities like Toronto or Vancouver, Edmonton offers lower rent prices.
Over 25% of Edmonton’s population is made up of immigrants, making it one of Canada’s most multicultural cities.
Edmonton is known for its oil and gas roots, but today the city is a hub for other dynamic sectors like tech, construction, skilled trades, and natural resources.
The University of Alberta ranks among the Top 4 universities in Canada and the Top 100 globally, with over 46,000 students.
The North Saskatchewan River Valley offers green space, trails, and family-friendly outdoor areas.
Searching for your first home in Canada? Join this exclusive session for key insights on housing market conditions, affordable options, and renting without credit history. Tailored for newcomers settling in the next six months, register now for valuable tips and a free guide!
REGISTER FOR THE WEBINARNow that you know why Edmonton is a strong choice for newcomers, let’s explore neighbourhoods using stats about affordability, lifestyle, livability, and rental range.
Ritchie is a well-loved southeast neighbourhood that offers a blend of affordability, community spirit, and urban convenience. Nearly half the homes are single-family houses. The rest are apartments, duplexes, and townhouses, offering flexibility for renters.
It’s close to the scenic Mill Creek Ravine, local parks, schools, and Ritchie Market, a hub for local cafes and shops. Cyclists and families alike appreciate Ritchie’s walkability and outdoor access.
Good for: Young professionals, families, people who enjoy an active outdoor lifestyle
Access: Public transit and bike-friendly
Vibe: Trendy, outdoorsy, close-knit
Rental range: Moderate.
Garneau is one of the most historic and walkable Edmonton neighbourhoods near the University of Alberta, making it ideal for international students and university staff. It blends heritage homes with modern rentals, trendy cafes, and cultural spots like the Garneau Theatre.
Garneau offers a mix of rental housing options, including apartments, condos, and older character homes. The Edmonton neighbourhood is ideal for newcomers looking to rent in central Edmonton.
Good for: Students, academics, newcomers without a car
Access: Excellent transit & bike lanes
Vibe: Academic, artsy, central
Rental range: Moderate to high.
Strathcona is the heartbeat of Edmonton’s arts and culture scene. Located just south of downtown, it’s famous for Whyte Avenue, boutique shops, live music venues, and events like the Fringe Festival.
Newcomers who love a vibrant, walkable lifestyle with access to nightlife, cafes, and creative energy will love this area.
Good for: Young adults, creatives, renters
Access: Transit-friendly and central
Vibe: Academic, artsy, central
Rental range: Moderate
If you’re moving to Edmonton with children or seeking peace and privacy, Aspen Gardens is a quiet southwest neighbourhood with larger lots and mature trees. Known for its low crime rate, green spaces, and proximity to Whitemud Creek Ravine, this area offers a high quality of life.
Housing tends to be larger and more upscale, but some rentals do exist.
Good for: Families, nature lovers, long-term renters
Access: Car-dependent, some transit
Vibe: Quiet, spacious, upscale
Rental range: Moderate to high
Also in southwest Edmonton, Greenfield is a peaceful, residential neighbourhood ideal for newcomer families. It features top-rated schools, parks, and a local shopping hub. It’s also well-connected by the Edmonton transit system and close to the Century Park LRT station.
The neighbourhood offers a mix of home styles, including apartments and duplexes.
Good for: Families, commuters, working professionals
Access: Excellent via LRT
Vibe: Suburban, friendly, convenient
Rental Range: Moderate
Glenora is a prestigious and scenic Edmonton neighbourhood located just west of downtown. With older character homes, access to the River Valley, and landmarks like the Royal Alberta Museum, it’s ideal for newcomers seeking an elegant, centrally located place to live.
Good for: Families, professionals, mature renters
Access: Good transit and walkability
Vibe: Historic, green, elegant
Rental range: High
Located near Whyte Avenue and the University of Alberta, Queen Alexandra offers a mix of old-style charm and newer condo developments. It’s a practical choice for students and newcomers who want urban access with quieter streets.
Good for: Students, young families, renters, urban dwellers
Access: Walkable and transit-connected
Vibe: Balanced, walkable, up-and-coming
Rental range: Moderate.
Downtown is the business and cultural core of Edmonton, ideal for newcomers who want to be close to work, school, or transit. You’ll find major institutions like MacEwan University, NorQuest College, and numerous cafes, museums, and shopping centres. If you love festivals, museums, and events, this is where it’s all happening.
Good for: Professionals, students, urban newcomers
Access: LRT and major bus routes
Vibe: Energetic, central, convenient
Rental range: Varies by building.
Oliver is one of Edmonton’s most walkable and diverse communities, close to the River Valley and west of downtown. It’s known for Jasper Avenue, the go-to spot for restaurants, shops, and nightlife. This neighbourhood is ideal for newcomers who want quick access to shopping, cafes, and parks, and don’t have a car.
Good for: Young professionals, couples, students, renters
Access: Excellent walkability and transit
Vibe: Lively, urban, well-connected
Rental range: Moderate.
Westmount is a historic and trendy neighbourhood northwest of downtown. It has a strong community spirit, great schools, and quick access to 124th Street, a hotspot for shopping and dining. The area is popular among professionals and families seeking a cozy, character-filled place to call home.
Good for: Professionals, families, community seekers, artists
Access: Good transit and walkability
Vibe: Friendly, heritage-rich, stylish
Rental range: Moderate
| NEIGHBOURHOOD | AVG. 1-BED RENT | BEST FOR |
|---|---|---|
| Ritchie | $1,350 – $1,600 | Families, professionals |
| Garneau | $1,400 – $1,800 | Students, academics |
| Strathcona | $1,450 – $1,700 | Young adults, creatives |
| Aspen Gardens | $1,600 – $2,200 | Families, long-term renters |
| Greenfield | $1,400 – $1,700 | Families, transit users |
| Glenora | $1,600 – $2,300 | Professional, executives |
| Queen Alexandra | $1,450 – $1,750 | Students, couples |
| Downtown | $1,300 – $1,800 | Professionals, urban renters |
| Oliver | $1,400 – $1,750 | Walkers, newcomers |
| Westmount | $1,400 – $1,800 | Families, creatives |
Finding a rental in a new city is exciting, but it’s also when many newcomers are vulnerable to rental scams. Scammers often target immigrants who may not know the rental process in Canada.
Want to read more? Check out this post, How Can Newcomers Avoid Rental Scams? 10 Smart Tips.
As of June 2025, the average rent was around $1,367 for a one-bedroom and $1,690 for a two-bedroom apartment.
Neighbourhoods like Aspen Gardens, Greenfield, and Glenora are often ranked among the safest, with low crime and strong community involvement.
Top picks include Garneau, Queen Alexandra, and Strathcona because they are close to the University of Alberta, public transit, and student-friendly rentals.
Neighbourhoods like Ritchie, Greenfield, and parts of Oliver offer more affordable rental options compared to other major Canadian cities.
As a newcomer, it’s easy to feel overwhelmed by choices. But with Edmonton’s many neighbourhoods, you can find one that suits your budget, lifestyle, and needs. Use affordability, transit access, school zones, and community atmosphere as your guideposts. Edmonton has some of the lowest rental rates in Canada, making it a great place to get started.
Planning your move to Canada? One of the easiest ways to connect right away is with a SIM card for newcomers. Whether you want to buy a SIM card online before you arrive or pick one up after landing, knowing your options can save you time, money, and hassle. In this guide, you’ll discover how to get a new SIM card, how to activate it, and what to look for in an international SIM card that works for you.
A SIM (Subscriber Identity Module) card connects your phone to a mobile network. It stores your mobile number and enables you to make calls, send texts, and use mobile data (internet) anywhere there’s coverage.
A local number is important for daily life in Canada. Employers, landlords, schools, and banks often require a Canadian phone number for communication or verification.
You can activate a SIM card online in minutes without the need to visit a store.
International roaming fees are costly. A SIM card allows you to connect to a local Canadian network right away, saving sky-high phone bills during your first weeks.
Many newcomers choose to buy a prepaid Canadian SIM card before they land. This allows them to activate it as soon as they arrive and avoid roaming altogether.
For many newcomers, it’s one less thing to worry about.
You don’t need to wait until you’re in Canada to get started. Many trusted providers offer prepaid Canadian SIM cards you can purchase online before your move.
If you prefer to explore options in person, you can easily buy a card once you’re in Canada.
| LOCATION | DETAILS |
|---|---|
| Airports | Quick access but often higher prices |
| Mobile carrier stores | Rogers, Bell, Telus, Freedom, Fido, etc. |
| Electronics stores | Best Buy, Walmart, Staples |
| Convenience stores | 7-Eleven, Circle K, and gas stations offer prepaid SIMs |
When looking for a card, consider:
| FEATURE | BENEFIT |
|---|---|
| Prepaid or postpaid | Prepaid is best for newcomers, no credit check |
| Canadian phone number | Great for applying for jobs, opening a bank account, and registering for local services |
| Data allowance | Ensure enough data for maps, messages, and browsing |
| Network coverage | Ensure the provider offers nationwide coverage |
| Price | Some providers may offer free activation fees in the price. |
| PLAN TYPE | AVERAGE COST |
|---|---|
| Prepaid SIM card | $10 – $20 (SIM only) May be included free with activation |
| Prepaid plan | $15 – $50/month Included data, text, and minutes |
You can save money by buying online in advance and avoiding airport markups.
Before buying a card, ensure your phone is unlocked (not restricted to one carrier) and supports North American network bands.
Most phones are unlocked. However, if you insert a card and receive an error message, like “SIM not supported”, it means your phone is locked. You can contact your local mobile phone company to have it unlocked.
Getting a SIM card is just the first step; you’ll also need a mobile phone plan that fits your needs and budget in Canada. Mobile phone plans vary widely in price, coverage, and features, so it’s worth comparing a few before you commit.
Obtaining a Canadian SIM card, whether before or after your arrival, helps you start your new life with ease. You can stay in touch with loved ones, access essential services, and set up your Canadian bank account right from the start. With easy online activation, buying a SIM card before you arrive is one less thing for newcomers to think about!
Tip for newcomers: Start comparing prepaid SIM options now so you can land in Canada ready to connect!
Yes, newcomers can buy a Canadian SIM card online before arriving. Options include prepaid cards from providers like CanadianSIM.
A card typically costs $10–$20, but it’s often free with prepaid activation. Monthly prepaid plans range from $15 to $50, depending on data and coverage.
Buying before arrival ensures instant connectivity and avoids high roaming fees. Buying after arrival gives you more plan choices and in-person support.
Prepaid plans require payment upfront and are ideal for newcomers. Postpaid plans offer more data but may require identification, a credit check, or a long-term contract.
Yes, your phone must be unlocked and compatible with Canadian networks.
Are you an internationally trained architect planning to continue your career in Canada? If so, you’re in the right place! This comprehensive guide explains how internationally trained architects can work in Canada. Learn how to get your credentials assessed by the Canadian Architectural Certification Board (CACB), navigate the licensing process through provincial regulatory bodies, and explore bridging programs and job search strategies tailored to newcomers. We also cover architect salaries in Canada, job market trends, resume tips, and alternative career options while you work toward licensure.
Whether you’re planning to immigrate or are already in Canada, this guide will help you successfully continue your architecture career in Canada.
Canadian cities are growing, and skilled architects are in demand, especially those with global experience. However, the path to working as an architect in Canada requires more than a degree. It requires credential recognition, licensing, and a solid job search plan.
Even if you have international experience, you need a license to continue your architectural career in Canada. Part of this process is known as credential recognition.
To become a licensed architect in Canada, you’ll need to:
Before you can register as an architect in any Canadian province, you need CACB certification.
CACB is designated by Immigration, Refugees and Citizenship Canada (IRCC) as the sole organization to provide educational credential assessment (ECA) reports for architecture degrees acquired outside of Canada.
After you get the assessment results, the appropriate provincial or territorial architect regulatory authority takes care of the next steps in the licensure process: internship and examination.
Tip: If your credentials don’t meet Canadian standards, you may be eligible for the Broadly Experienced Foreign Architect (BEFA) Program. This program streamlines the process for internationally trained architects to become certified for licensure in Canada.
If you need to strengthen your qualifications:
You may be eligible for the Language Instruction for Newcomers to Canada (LINC) program. Otherwise, you can find other free or affordable classes in English as a Second Language (ESL) or French as a Second Language (FSL) classes through school boards or settlement agencies.
There are language courses to teach you professional terminologies, such as Enhanced Language Training (ELT) and Occupation Specific Language Training (OSLT) in Ontario. And, if you already speak one of Canada’s two official languages at a high level, learning the other one is a good option for better job opportunities.
Bridging programs help transition your international experience and training to the Canadian workplace. Many colleges, universities, and immigrant-serving agencies offer bridging programs or workshops.
JVS Toronto
Bridge Training for Immigrant Professionals Leveraging Architectural Knowledge for New Opportunities (I-PLAN)
This 14-week bridge training program helps internationally educated professionals find employment in the architectural field. Program components include architectural academic training, Enhanced Language Training (ELT), Canadian Workplace Essentials (CWE), employment services, mentoring, and internship placements.
Humber College
Engineering/Architecture Skills Enhancement Bridging Program
This 15-week bridging program is for internationally trained professionals with education and experience in engineering, architecture, or related professions. The program includes Occupation Specific Language Training (OSLT), Canadian workplace culture, career planning, job search, and mentorship opportunities.
Many architects continue their education in Canada. If you plan to enroll in a college or university program, contact the school you plan to attend and find out what steps to take. Check if they want you to use a specific credential assessment agency. Using unrecognized agencies can end up costing you more money.
Highlight your international education and skills, and build on your existing knowledge and skills. Explore your options before deciding to continue your education. You may be able to get advanced standing, transfer some of your credits, and benefit from prior learning assessment options to gain credit or course exemptions. This will allow you to complete your program faster, without spending more on education than you already have.
Note: Some provinces may allow limited licenses or provisional licenses.
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 WEBINARResearching the architecture job market in Canada will help identify where the demand and best opportunities exist in Canada.
According to the Government of Canada’s Job Bank, labour demand and supply are expected to be balanced at the national level from 2024 – 2033. However, job prospects vary by province.
Salaries vary based on experience, credentials, and location. Unlicensed professionals often earn less than licensed architects.
| PROVINCE | AVERAGE ANNUAL SALARY |
|---|---|
| Ontario | $82,000 – $105,000 |
| British Columbia | $78,000 – $100,000 |
| Alberta | $85,000 – $110,000 |
| Quebec | $70,000 – $95,000 |
| Nova Scotia | $65,000 – $85,000 |
Discover how the Canada Job Bank can help you research the job market, architect salaries, job prospects, and more!
The Canadian job market is competitive. So, you need to prepare for your job search. Here are some tips to search for architect jobs in Canada:
Most settlement agencies offer help to find jobs, update your resume, write cover letters, and prepare for job interviews.
You can visit Canada’s Best Diversity Employers to check for immigrant-friendly organizations. This special designation recognizes top employers for exceptional workplace diversity and inclusion programs.
Not yet licensed? You can still find meaningful work:
These roles can help you build Canadian experience and support your licensing process.
Job hunting for architects involves more than just writing a resume. You often have to showcase your professional portfolio and work samples.
When writing your resume, highlight your relevant educational qualifications and specialization, for example, landscape architecture, infrastructure architecture, system architecture, etc., and each has specific job responsibilities and educational qualifications. When writing your Canadian-style resume, tailor it to the job profile.
Networking is vital to get job leads, advice, and information about a particular firm, and to expand your professional network. As many job vacancies are not advertised, networking can help you discover architect jobs in Canada.
Good places to network include conferences, associations, and industry events where you can meet other architects, build relationships, and share information.
LinkedIn is another helpful networking resource. It is great to reconnect with your former colleagues and employers, search for companies and jobs, and get introductions and recommendations. Make sure to create or update your LinkedIn profile.
Whether you are looking for your first architect job in Canada or seeking career advancement, you will need to hone your interviewing skills.
Here are a few common questions that you should prepare to answer. Preparing for them well will set you apart from other candidates.
The key to answering this question is to be succinct. Summarize your education and work experience, and identify how it relates to the job.
Interviewers will ask this question to make you feel at ease. However, keep your response related to the job.
Research projects the company has worked on and areas of expertise to speak about projects that interest you. Your answers will show your knowledge of the firm and its direction.
Indicate why the firm appeals to you, for example, you may admire their innovation or commitment to green initiatives. Reinforce how your skills and experience can help them achieve their goals.
This is where you highlight your skills and promote yourself. Be confident when answering this question. Highlight specific aspects of your resume. Say that your skills and interests, combined with your history of achieving results, make you a valuable candidate.
Discuss your industry insights to show that you are current. You could discuss technological advances, green initiatives, policy concerns, or how the field is responding to changes in the industry.
Q: Can I work in architecture without a Canadian license?
A: Yes, you can work in support roles such as a technologist, designer, or project assistant while pursuing your license.
Q: Is Canadian experience required to get licensed?
A: Yes, the Internship in Architecture Program (IAP) requires work under a Canadian licensed architect.
Q: How long does it take to become a licensed architect in Canada?
A: It can take 2–4 years, depending on your experience, exam schedule, and internship hours.
Becoming a licensed architect in Canada as an internationally trained professional takes time, but it’s achievable. With the right credentials, licensing steps, and job search strategy, you can continue your successful architecture career in Canada!
One of the most important things you can do to continue your career is create a Canadian-style resume. Resume formats in Canada and their content are often different from those used in other countries. Discover how to make your resume stand out to employers and how to select the best resume format based on your unique situation.
Your resume is often your first chance to impress an employer. In Canada, hiring managers can receive hundreds of applications for each job opening, so they usually spend only a few seconds scanning each resume. So, your resume should be clear, well-formatted, and tailored to the job you’re applying for.
There are three main formats used in Canada:
Lists your work experience in reverse order (most recent first). Great if you have steady work experience.
Focuses on your skills and abilities rather than your work history. Ideal if you’re changing careers or have gaps in your employment.
Highlights your skills and work history. This is a good option for newcomers with relevant international experience.
Choose the format that best highlights your strengths.
Unlock your dream job in Canada now! Fast-track your job search with our smart resume tips and examples. Download our FREE Canadian-style resume template to craft a standout resume tailored to the Canadian job market, save time by skipping the research and guesswork, and easily customize and update your resume. Don’t wait—download your guide today and take the first step towards your new career in Canada!
DownloadBefore you write your resume, read the job posting carefully and get a clear picture of the requirements, including:
Highlight the parts that match your own experience. This will help you tailor your resume more effectively.
Avoid sending the same resume to every employer. Instead, adjust your resume to match the job description. Use examples from your past work that relate to the role and clearly show how your skills and experience match.
TIP: Include a short summary or career objective at the top that reflects the job you’re applying for.
Many companies in Canada use Applicant Tracking Systems (ATS) to screen resumes. These systems scan for keywords that match the job description. If your resume includes those words, it’s more likely to reach a hiring manager.
Look for common phrases or technical terms in the job ad and include them naturally in your resume.
Keep your resume clear and concise, ideally, no longer than two pages.
Some information that’s common on resumes in other countries should not be included on Canadian resumes. Avoid listing:
Canadian employers can’t ask for this information during the recruitment process. It can lead to an unfair hiring bias and violate the Canadian Human Rights Act.
Showcase your accomplishments and capabilities using strong action verbs such as:
Use the past tense for previous jobs and the present tense if you are still in a role. Avoid long paragraphs and use bullet points for easy reading.
Mistakes can cost you an interview. Carefully check your spelling, grammar, and formatting. It helps to:
Even small mistakes can leave a negative impression, especially when the job requires attention to detail.
Canadian employers seek specific resume formats that allow them to find relevant information quickly. They may overlook your resume if the format is difficult to read or follow, even if you have great experience. Choosing the right Canadian-style resume is a key first step.
Here’s an overview of each type so you can decide which format works best for your background.
| BEST FOR | WHY EMPLOYERS LIKE IT |
|---|---|
| People with consistent work experience Job seekers applying within their current field | Easy to read Shows career growth and employment history clearly Helps spot gaps or job changes |
PROFESSIONAL EXPERIENCE
Electrical Engineer
2020 – 2025
Company Name, City, Country
Computer Programmer
2017 – 2020
Company Name, City, Country
Customer Service Representative
2014 – 2016
Company Name, City, Province, or Country (if not Canada)
In these cases, a functional resume may be better.
This Canadian-style resume format focuses on skills and abilities instead of work history. It’s helpful if you’re new to the workforce or switching careers.
SKILLS & EXPERIENCE
Customer Service
Technical Skills
EMPLOYMENT HISTORY
You still list your jobs, but in less detail and at the end.
Many employers in Canada do not prefer functional resumes. They may find them harder to read or think you are hiding something. Use this format only if your situation truly calls for it.
A hybrid resume combines the best of both formats. You highlight your skills at the top, followed by your employment history in reverse order.
SKILLS & HIGHLIGHTS
WORK EXPERIENCE
Project Manager
2016 – 2023
Company Name, City
Led a team of 10 and managed multimillion-dollar projects.
| SITUATION | BEST RESUME FORMAT |
|---|---|
| You have solid, recent work experience | Chronological |
| You’re chaning careers or have gaps | Functional |
| You have experience and want to show key skills | You’re changing careers or have gaps |
Before sending your resume, ask yourself:
Many settlement agencies across Canada offer free services to help newcomers work in Canada. They can help write a Canadian-style resume to meet employer expectations and prepare for successful job interviews!