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Are you moving to Canada? Thousands of immigrants come to the country every year. There are newcomers dispersed from coast to coast. One of the biggest decisions newcomers must make is where they choose to live. While Barrie is lesser-known than a large city like Toronto, it’s a popular alternative to living in the Greater Toronto Area. Where you choose to live will have a direct impact on your career options, financial success, housing costs, and overall lifestyle.
To find a lower cost of living and more affordable housing, many people consider Ontario cities outside of Toronto. Researching your options will help you choose the best city for you and your family.
Are you interested in learning more about the city of Barrie, Ontario? Our guide provides the thorough information you need to know about living in Barrie.
Barrie, Ontario, is a beautiful waterfront city on the shores of Kempenfelt Bay, the western side of Lake Simcoe. It is a growing area that has become a popular destination for new immigrants and people moving out of Toronto as part of a recent interprovincial migration trend.
People are attracted to the region for several reasons. It is a bedroom community of Toronto located about 90 km north of the city with a one-hour commute. The lower housing prices and cost of living are appealing. There is large employment growth, and it has a good transit system. The city is also ideal for people who love the outdoors because of the swimmable beaches and nearby ski hills. There are many great hiking paths, great skiing, and many watersports.
Over the past few decades, it has evolved from a small town to an up-and-coming city. Barrie was first settled during the War of 1812 as a supply depot for British soldiers. The city was named after Sir Robert Barrie, an officer in the British Navy. Over the years, it has evolved from a village (1854) to a town (1870) and became a city in 1959.
The population of Barrie has grown rapidly over the past few years. The city has recently made the list of the top 5 most-moved-to cities in Canada. With a population of 142,000 residents (City of Barrie, 2025), the government of Ontario projects the city could grow to 300,000 residents by 2051. This is based on increased immigration and intra-provincial migration.
The economy in Barrie is in a growth phase. As more people move out of the big city, businesses are choosing to invest in Barrie. The projected 70% population growth by 2041 brings new jobs and opportunities. Estimates project that more than 30,000 new jobs will be created over the next 20 years.
Some of the biggest growth sectors are arts, entertainment, and recreation, manufacturing, finance and insurance, healthcare, and construction.
The top sectors in Barrie are:
Barrie is home to several corporate headquarters, including:
There are many ways to explore career opportunities. You can search the Government of Canada Job Bank or other online job boards. You can also use local recruitment agencies such as Randstad Canada, IS2 Workforce Solutions, TalentWorld, and AppleOne Employment Services.
Ontario, Canada | Population, Cities, Economy & Culture
It’s vital to consider where to live within the city. Ideally, you want to choose a neighbourhood that is close to work, schools, and other amenities.
The housing market is more affordable than in other cities in the Greater Toronto Area, but with housing prices on the rise, the gap is shrinking. The lack of supply and not enough new builds are driving up the cost.
Renters in Barrie can choose from detached homes, condos, apartments, and townhouses in unique neighbourhoods. To get a sense of the character and rental prices of each neighbourhood, check out Best Barrie Neighbourhoods for Newcomers to Rent.
There are a few ways you can look for rental units. You can search online, use realtor websites, or you can use Rentals for Newcomers to search for available rental units in Barrie. Here, you can also find current rental prices in Barrie.
When renting, it’s a good idea to get 
to protect your family, belongings, and finances.
Read more about How Newcomers Can Find the Right Home 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 WEBINARBuying a home in Barrie has become more expensive. For example, prices have increased by over 30% in the past year, and are predicted to increase by as much as 15% in 2022. The average price for a detached house in Barrie is $980,000. The average price for a townhome is $853,000, and the average cost for a condo is $626,000.
Find out more about buying your first home in Canada: First Time Home Buyer: Newcomer Tips
Barrie is a commuter city. Many people drive to work within the city or to other locations across the Greater Toronto Area. A strong road system serves Barrie. There are several highways in the area, including Highway 400, the major highway that connects to Toronto. Highway 26 is the primary highway that runs through the city and leads to Collingwood. Other highways in the area include Highways 27, 90, and 93.
All drivers must have an Ontario driver’s licence. To get a licence, you need to complete the graduated licencing process. For information on driving in Canada and how to get a licence, read 10 Facts Newcomers Must Know About Driving in Canada.
Barrie Transit provides public transit and bus routes throughout the city. As well, you can take advantage of the daily GO Train and Bus service to downtown Toronto and other cities in the region. And, using public transit is a convenient, affordable, and simple way to travel within Barrie and across the region. Get more information about Barrie Transit fares.
There are no major airports in the city. The closest is Lake Simcoe Regional Airport.
Barrie and Simcoe County offer support services to new immigrants who move to the community. You can get information about living and working in the community.
Some of the settlement agencies include the YMCA of Simcoe/Muskoka Immigrant Services, The Learning Centre, Georgian College, and Bradford Immigration & Community Services (BICS).
Many community agencies offer free language classes. In Barrie, you can take courses at The Learning Centre, Georgian College, and through the YMCA Immigrant Services. Or, you can also take courses with the Simcoe County District School Board in the Adult English as a Second Language program.
Having a strong financial plan is important for new immigrants. Newcomers have access to banks, credit unions, and other financial institutions where they can open a bank account, get a credit card, or a line of credit, and apply for a mortgage. Most banks and financial institutions offer specific products and programs for new immigrants. Visit a local branch to open an account. You will need proof of residence and proper identification.
How Much Money Will I Need to Move to Canada?
How Do I Transfer Money to Canada & Ship Goods When Moving?
The Government of Ontario manages the school system, including elementary, high school, and post-secondary education.
Barrie offers residents several elementary and high school education options. You have the choice to attend the public or Catholic school board. It also has two French school boards and several private schools. You can enrol your children at a school with one of the following:
Located in Barrie is Georgian College of Applied Arts and Technology. It offers over 130 full-time career-focused programs. There are over 13,000 full-time students, including 4,500 international students from over 85 countries.
Top-quality health care is something we value as Canadians. In Barrie, you can get urgent care through the Royal Victoria Regional Health Centre. You can also go to walk-in clinics throughout the city to receive care for non-urgent needs.
In case of an emergency call 9-1-1. This number is the same no matter where you live in Canada.
The Ontario Health Insurance Plan (OHIP) provides residents with health care coverage. Learn how to apply for an OHIP card.
You can also pay for additional 
to help cover the costs of prescription drugs and services that are not covered by OHIP. Some employers offer third-party health insurance through their employer benefits packages.
How Can Newcomers Get Free Healthcare in Canada?
Finding a family doctor is vital. You can search for a family doctor who is taking on new patients through Health Care Connect. You can call 1-800-445-1822 or visit www.ontario.ca/findadoctor.
As a waterfront community, Barrie offers many year-round activities for residents. You can enjoy the beaches in the summer and head over to nearby ski clubs in the winter. And it is only a short drive to many other outdoor adventures. Downtown Barrie is at the heart of it all.
The city offers many local attractions, including the Simcoe County Museum, Fort Willow, Centennial Park, and Bear Creek Eco Park. If you are into the arts and theatre, check out Five Points Theatre or Maclaren Art Centre. Be sure to check out the iconic Spirit Catcher sculpture.
Downtown Barrie is the place to go to dinner or enjoy entertainment and cultural activities. The city hosts many festivals such as Kempenfest, Barrie Waterfront Festival, Winterfest, and the Barrie Film Festival.
Located on Lake Simcoe, Barrie provides residents with the opportunity to walk along the waterfront, go boating and enjoy the beach life in the summer months. Be sure to check out the beaches at Minet’s Point, The Gables, Tyndale, Centennial, and Johnson’s Beach.
In the winter, Horseshoe Resort, Snow Valley and Blue Mountain are great for skiing, snowboarding, and tubing. Or check out nature at Arboretum Sunnidale Park.
Barrie is home to the Barrie Colts of the Ontario Hockey League, and other minor sports teams. If you want to catch a concert, check out Sadlon Arena or Burl’s Creek Event Grounds, which is home to the popular country music festival Boots and Hearts.
Barrie is not traditionally known as a diverse city, but it is on the path to becoming more diverse. There are about 20,000 immigrants in the city. 7.6% of the population are minorities and 5% are Aboriginal. The city has a large francophone community with close to 10,000 residents being bilingual.
The largest minority groups are Black (2.7%), South Asian (2.2%), Chinese (1.2%) and Latin American (1.1%).
Barrie is mainly a Christian community. Around two-thirds of residents identify as Catholic, United, or Anglican. About 30% of the population has no religious affiliation. About 1-2% of the population identify with another religion.
Barrie has a climate like the rest of southern Ontario. They experience warm and humid summers and cold winters. It is a humid continental climate. The region experiences heavy thunderstorms in the spring and summer.
In the winter, the city gets significant snowfall, largely because it is close to Georgian Bay and Lake Ontario. The average temperature is -8.1°C in January and +21.0°C in July.
Barrie is a mid-sized city that offers a slower-paced lifestyle than living in a large city such as Toronto. Though Barrie is known for being more traditional, it is becoming a more diverse city. Barrie was named the safest city in Ontario to live in. If you are into the outdoors and cottage lifestyle, it’s a great place to consider.
It’s vital to consider the pros and cons of a city before choosing where to live. On the plus side, Barrie is a great location, with a growing job market, a safe community and offers many great seasonal activities. On the downside, it’s less diverse than a city such as Toronto and other potential issues such as road congestion, challenging winters, and rising housing costs.
Barrie is more affordable than many cities in the Greater Toronto Area, but housing prices are rising as the city has become a prime location for interprovincial migration. Many Toronto residents are moving to Barrie. As a result, the cost of housing is rising.
Barrie, Ontario, is one of Canada’s fastest-growing cities, with a population of more than 142,000 people (City of Barrie, 2025). Just 80 km north of Toronto, Barrie offers newcomers a more affordable lifestyle while staying connected to the Greater Toronto Area (GTA) by GO Train and Highway 400. With average rents around $2,080/month (Rentals.ca, 2025), Barrie is a popular choice for commuters, families, and students. Here are the best neighbourhoods in Barrie to rent in as a newcomer.
Finding the right neighbourhood is only part of the rental journey. As a newcomer, it’s vital to understand how the Canadian rental application process works. Landlords in Barrie often ask for documents such as identification, proof of income, and references before approving your application. Having these ready will help you stand out in a competitive market.
If you’re just arriving and need flexibility, consider short-term rentals or homesharing options. These options allow you to settle quickly while exploring neighbourhoods before signing a long-term lease.
Shared housing is common for students near Georgian College or in the East End. Discover more about Types of Housing in Canada.
Newcomer Tip: Use trusted platforms like Rentals for Newcomers (RFN) to find verified listings and avoid rental scams. Be cautious of landlords who ask for deposits before you see the unit, or request payment through untraceable methods. Always get a lease in writing and confirm landlord details.
Newcomers should consider renting in neighbourhoods that balance affordability, amenities, and access to transit. The best choice depends on your lifestyle, whether you prioritize commuting, family-friendly amenities, or scenic lakefront living. Here are some top neighbourhoods to consider.
Located in Barrie’s south end, Painswick is one of the city’s fastest-growing neighbourhoods. Its biggest draw is the Barrie South GO Station, which makes commuting to Toronto manageable for professionals.
Ideal for: Families seeking schools and green space, professionals commuting to the GTA, renters who want suburban convenience.
Access: Public Transit: Direct GO Train service to Toronto from Barrie South GO Station. Driving: Easy access to Highway 400, about 15 minutes to downtown Barrie, 75 – 90 minutes to Toronto.
Vibe: Suburban, growing, and family-friendly with plenty of shopping and dining along Big Bay Point Road.
Rental range: 1-bedroom apartments: $1,700 – $1,900; 2-bedroom condos/townhouses: $2,100 – $2,400; Detached homes: $2.800+.
Why newcomers like it: Multiple schools and a public library branch to support family needs; easy commuting by GO train or Highway 400.
Holly is a rapidly developing neighbourhood in Barrie’s south end. It’s one of the most sought-after areas due to its excellent schools, parks, and strong sense of community.
Ideal for: Families with young children; renters looking for a quiet suburban lifestyle.
Access: Public transit: Barrie Transit bus routes connect to downtown and GO stations. Driving: About 10 minutes to downtown Barrie, quick access to Highway 400.
Vibe: Family-focused with new subdivisions, parks, and shopping nearby.
Rental range: Townhouses $2,000 – $3,000; detached homes $2,600+
Why newcomers like it: Well-rated schools and family-friendly amenities; plenty of green space for kids to play, and access to Highway 400 for commuters.
If you’re looking to settle long-term, Holly offers larger rental homes with room for extended family, ideal for newcomers moving with relatives.
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 WEBINARInnis Shore, in Barrie’s southeast, is one of the largest neighbourhoods in the city. It borders Kempenfelt Bay, offering lake views and access to parks and trails.
Ideal for: Families seeking large homes near schools; nature lovers seeking trails and lakefront access.
Access: About 15 minutes to drive downtown with easy access to Highway 400. Public transit offers local bus routes. Nearest GO access is Barrie South GO Station (10 – 15 minutes away).
Vibe: Scenic, spacious, and community-oriented.
Rental range: Townhouses $2,000 – $2,400; detached homes $2,700+.
Why newcomers like it: Top-rated schools and playgrounds, scenic trails and green spaces for outdoor activities, proximity to Wilkin’s Beach for family outings.
Sunnidale, in Barrie’s north end, is known for large lots, mature trees, and established homes. It’s a quiet neighbourhood with excellent schools.
Ideal for: Families seeking space, renters who want a quiet, established community.
Access: About 10 minutes to drive to downtown Barrie; close to Highway 400. Barrie Transit routes connect to downtown and the Allandale Waterfront GO Station.
Vibe: Peaceful and residential with a suburban feel.
Rental range: Detached homes $2,400 – $2,800.
Why newcomers like it: Many schools, including six public and four Catholic options; Sunnidale Park offers trails, streams and an arboretum; ideal for families looking for long-term stability.
This area has fewer apartments, so focus your rental search on single-family homes or basement apartments.
Bayshore is a well-established neighbourhood in Barrie’s south end, with several subdivisions. It features mainly detached homes with few condos or townhouses. It offers quiet, residential streets mixed with commercial strips, parks, and access to waterfront areas.
Ideal for: Families, including those with school-age children.
Access: Driving to downtown Barrie is quick, and access to Highway 400 is reasonable via connector roads. Several Barrie Transit bus routes connect to other parts of the city.
Vibe: Calm, residential, and close to parks
Rental range: Detached homes $2,500+.
Why newcomers like it: Lake proximity, family parks, and quiet streets.
City Centre overlooks Kempenfelt Bay and is the heart of downtown Barrie. It’s ideal for renters who want walkable access to shops, restaurants, and the waterfront.
Ideal for: Young professionals, students, or singles seeking apartments.
Access: The central location means short drives anywhere in the city; multiple Barrie Transit routes; close to the Allandale Waterfront GO Station.
Vibe: Urban, busy, and scenic with high-rise condos and apartments.
Rental range: 1-bedroom apartments/condos $1,800 – $2,200.
Why newcomers like it: Walkability to amenities and nightlife; access to the Allandale Waterfront GO Station; beautiful waterfront trails and views.
The East End is one of Barrie’s oldest areas and is home to Georgian College. It offers mature trees, older brick homes, and family parks.
Ideal for: Students attending Georgian College; families who prefer a quieter, older neighbourhood.
Access: About 10 minutes to drive to downtown Barrie; direct Barrie Transit service to Georgian College and downtown.
Vibe: Historic, residential, and student-friendly.
Rental range: Rooms for students typically cost $600 – $900/month; rentals/rooms: $600 – $900/month; detached homes range from $2,000 – $2,500.
Why newcomers like it: Close to Georgian College and Kempenfelt Park, a mix of student housing and family homes, quiet, established neighbourhood.
Ardagh is located in Barrie’s west end and sits next to the Ardagh Bluffs Natural Area, with over 17 km of trails.
Ideal for: Nature lovers; families seeking outdoor access.
Access: About 10 minutes to drive downtown. Public transit bus routes connect to downtown and GO stations.
Vibe: Residential, scenic, and active with access to nature.
Rental range: Apartments/condos near the waterfront $2,000 – $2,200; Detached homes: $2,600+.
Why newcomers like it: Trails, parks, and outdoor spaces like Bear Creek Eco-Park; mix of new condos and older homes; easy access to Highway 400.
If you love the outdoors but want affordability, look for condos near Ardagh Bluffs instead of detached homes.
Allandale is one of Barrie’s oldest and most charming neighbourhoods, with heritage homes, lake access, and the Allandale Waterfront GO Station.
Ideal for: Commuters and renters who appreciate heritage charm.
Access: Several Barrie Transit bus routes connect to other parts of the city. Driving to downtown Barrie is quick, and access to Highway 400 is reasonable via connector roads.
Vibe: Calm, residential, and close to parks
Rental range: Detached homes $2,400 – $2,700; Apartments/condos near the waterfront: $2,000 – $2,200.
Why newcomers like it: Historic homes and easy access to BarrieTrails, parks, and outdoor spaces like Bear Creek Eco-Park; a mix of new condos and older homes; easy access to Highway 400.
| NEIGHBOURHOOD | RENTAL RANGE* |
|---|---|
| Painswick | $1,700 – $2,800+ |
| Holly | $2,000 – $2,600+ |
| Innis Shore | $2,000 – $2,700+ |
| Sunnidale | $2,400 – $2,800 |
| Bayshore | $2,100 – $2,500+ |
| City Centre | $1,800 – $2,200 |
| East End | $600 – $900 (room) / $2,000 – $2,500 (home) |
| Ardagh | $1,900 – $2,600+ |
| Allandale | $2,000 – $2,700 |
Newcomers can find a variety of rental options in Barrie, including high-rise apartments downtown, heritage homes in Allandale and City Centre, family-sized houses in suburban neighbourhoods like Holly and Innis Shore, and modern condos near the waterfront. Read more about types of housing in Canada.
Yes. Rental prices in Barrie are generally more affordable than in Toronto, which is why it’s popular with commuters. Compared to Toronto, newcomers in Barrie can find larger rental units for the same price as smaller apartments downtown.
Yes. Many newcomers choose Barrie due to its commuter-friendly access. The GO Train connects Barrie to Union Station in Toronto, and Highway 400 provides a direct driving route. Neighbourhoods near the Barrie South or Allandale Waterfront GO Stations are especially popular with commuters.
Family-friendly neighbourhoods include Painswick, Innis Shore, Holly, and Sunnidale, all of which have schools, parks, and larger homes. Families looking for heritage character often choose Allandale or City Centre.
If you’re settling in a central or well-served neighbourhood (City Centre, Allandale, Painswick near GO), transit is reasonably good for commuting and daily errands. You may need a car if you live in newer or more peripheral suburbs.
Barrie offers a balance of affordability, job opportunities, and lifestyle. It’s a growing city with a strong economy, and it’s close to the GTA. Newcomers like its waterfront, outdoor activities, and diverse rental housing options. Check out our Living in Barrie guide to learn more about jobs, culture, and life in the city.
Barrie’s neighbourhoods offer something for every newcomer, whether it’s commuter convenience in Painswick and Allandale, family living in Holly and Innis Shore, or student-friendly housing in the East End. With average rents below those in Toronto, Barrie is a popular and affordable option for newcomers seeking space, community, and connection to the Greater Toronto Area.
👉 Still searching for the right rental in Barrie? Check out Rentals for Newcomers!
Brampton is one of Canada’s fastest-growing cities and a top choice for newcomers and international students. With a population of more than 791,000 (Statistics Canada, 2024), it is Ontario’s 3rd largest city). It’s known for its diversity, affordability compared to Toronto, and strong community spirit.
If you plan to rent in Brampton, here’s what you need to know about affordability, commuting, and the best neighbourhoods.
Yes, Brampton is generally cheaper than Toronto and Mississauga for housing.
👉 Solution for newcomers: If you don’t have a Canadian credit history, consider applying with a co-signer, offering prepaid rent, or showing proof of income to strengthen your rental application.
Brampton is 40 km northwest of Toronto, making it a popular commuter city.
👉 Solution for newcomers: If you’ll be working or studying in Toronto, choose a neighbourhood near a GO Station for easier commuting.
| RENTAL TIER | 1-BEDROOM RANGE | 2-BEDROOM RANGE |
|---|---|---|
| BUDGET $ (Older units or shared housing, often outside premium areas) | $1,700 – $2,000 | $2,000 – $2,400 |
| MID-RANGE $$ (Good condition, average location) | $2,000 -$2,300 | $2,400 -$2,800 |
| UPPER-MID $$$ (Newer builds, near GO, renovated) | $2,300 -$2,600 | $2,800 – $3,200 |
| PREMIUM $$$$ (Large/new homes, top schools/amenities) | $2,600 – $3,000 | $3,200 – $3,600 |
| LUXURY $$$$$ (Executive home, prime pockets (e.g. Castlemore) | $3,000+ | $3,600+ |
1-bedroom: approx. $2,088/month
2-bedroom: approx. $2,421/month
Many newcomers look for affordable 2-bedroom units to balance space and cost. Learn why a 2-bedroom apartment is a smart choice.
Brampton has many neighbourhoods that offer great rental opportunities for newcomers, whether you’re looking for affordable housing, student-friendly areas, or access to green space and transit. Here are the top picks:
Downtown is the historic heart of Brampton, revitalized with theatres, cultural venues, and lively dining options. It’s also the city’s main transit hub, making it one of the most connected places to live.
Ideal for: Students, young professionals, and newcomers without access to a car.
Access: Direct GO Train service to Toronto (40–50 minutes); Brampton Transit hub.
Vibe: Historic yet modern, cultural, and walkable.
Rental range: $$ – $$$ (aparments/condos)
Why newcomers like it: Affordable apartments, great transit links, and plenty of events make it an easy place to start life in Canada.
Bramalea was one of Canada’s first planned communities and is now a bustling, diverse neighbourhood. It’s known for Bramalea City Centre Mall, strong community services, and affordable rental options.
Ideal for: Budget-conscious renters, students, and families.
Access: Well-connected by Brampton Transit and close to Highway 410.
Vibe: Energetic, convenient, and urban.
Rental range: $ – $$ (apartments/townhouses)
Why newcomers like it: Lower rent compared to many GTA areas, plus easy shopping and nightlife.
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 WEBINARHeart Lake is built around its namesake conservation area, offering plenty of trails, green space, and outdoor activities. It balances suburban living with access to nature.
Ideal for: Families, outdoor enthusiasts, and renters seeking affordability.
Access: Quick drive to Highway 410; local Brampton Transit routes.
Vibe: Family-oriented, nature-focused, suburban.
Rental range: $$ – $$$ (newer townhouses/detached homes).
Why newcomers like it: Parks, schools, and affordability make it attractive for families settling in Brampton.
Mount Pleasant is one of Brampton’s newest and fastest-growing neighbourhoods, designed around the GO Station that connects directly to Toronto. It offers modern homes and amenities in a suburban setting.
Ideal for: Young families, couples, and commuters.
Access: Mount Pleasant GO Station to Union Station; good road connections.
Vibe: Modern, family-friendly, and community-focused.
Rental Range: $$ – $$$$ (newer townhouses/detached)
Why newcomers like it: A fresh start in newer housing with direct Toronto access and family services.
On the northwestern edge of Brampton, Snelgrove has a quieter, village-like feel with local businesses and upscale homes. It’s ideal for those who want more privacy and space while staying close to city amenities.
Ideal for: Professionals and established families.
Access: Close to Highway 410 for commuting.
Vibe: Quiet, upscale, and suburban.
Rental range: $$$ – $$$$ (detached homes)
Why newcomers like it: Offers stability, green space, and a calmer pace of life.
Vales of Castlemore is a culturally diverse, prestigious area known for large executive homes and family-oriented living. It combines green space with a strong sense of community.
Ideal for: Larger families and higher-income renters.
Access: Northeast Brampton, with highway connections and nearby conservation areas.
Vibe: Prestigious, spacious, and family-focused.
Rental range: $$$$ – $$$$$ Detached homes/executive. (Few apartments available).
Why newcomers like it: Many immigrant families choose Castlemore for its schools, space, and community feel.
| NEIGHBOURHOOD | IDEAL FOR | RENTAL RANGE (approximately) |
|---|---|---|
| Downtown Brampton | Students, professionals, commuters | $1,800–$2,400 (1–2 BR) |
| Bramalea | Budget-conscious renters | $1,600–$2,200 (apartment) |
| Heart Lake | Outdoor enthusiasts, families | $2,000–$2,800 (townhouse/semi) |
| Mount Pleasant | Young families, Toronto commuters | $2,200–$2,900 (townhouse) |
| Snelgrove | Families seeking quiet living | $2,500–$3,200+ (detached) |
| Vales of Castlemore | Large families, high-income newcomers | $3,000–$4,500+ (detached) |
Yes. Brampton rents are generally lower than Toronto. On average, a one-bedroom in Brampton costs about $2,300, compared to $2,600+ in Toronto (Rentals.ca, Aug. 2025).
Heart Lake and Mount Pleasant are popular family choices, known for schools, parks, and safe, family-friendly communities.
Yes. Many international students live in Brampton because of its affordability, diversity, and transit connections to Toronto campuses and Sheridan College in nearby Mississauga.
Downtown Brampton is the best choice for newcomers without a car because it has a GO Station, bus hub, and walkable access to shops, dining, and services.
Brampton is one of Canada’s most welcoming cities for newcomers, offering a balance of affordability, space, and community compared to Toronto. With a diverse population, strong transit connections, and neighbourhoods ranging from budget-friendly Bramalea to upscale Castlemore, there’s a community for every lifestyle and budget.
For newcomers, the key is to match your priorities with the right neighbourhood:
Wherever you settle, Brampton offers a strong support network for immigrants, cultural diversity, and housing options to make your start in Canada easier.
Once you’ve chosen a neighbourhood that matches your budget and lifestyle, check out our Living in Brampton guide to learn more about jobs, culture, and life in the city.
Still searching for a rental in Brampton? Visit Rentals for Newcomers to search and compare prices.
Moving to Canada is exciting, but choosing where to live can be overwhelming. Fredericton, the capital of New Brunswick, offers newcomers affordability, safety, and a welcoming community. This guide helps you understand life, work, and recreation in Fredericton and the surrounding Capital Region.
Located in Eastern Canada’s Atlantic Region, Fredericton is in the heart of the Capital Region. It offers a unique blend of natural beauty, career potential, and community support, making it a great place for newcomers to settle. Picture a place with less noise, less traffic and more trees, more nature and more connections with plenty of room to roam and grow!
The Capital Region is peaceful and family friendly. The region includes the City of Fredericton, Oromocto, Fredericton Junction, Central York, Nashwaak, Nackawic-Millville, Arcadia, New Maryland, Harvey, Grand Lake, Hanwell, Sunbury-York South, Tracy, and the vast rural area throughout the region itself. Learn more about the Capital Region.
It’s a quaint city rich in culture and history, with the comfort of a small town and world-class facilities.
Culturally, New Brunswick was first inhabited by Indigenous peoples. Indigenous peoples have lived in the region for thousands of years, the Mi’gmaq in northern and eastern New Brunswick, the Wolastoqiyik (Maliseet) along the Saint John River Valley, and the Peskotomuhkatiyik (Passamaquoddy) in the St. Croix River watershed.
These three Nations are part of the Wabanaki Confederacy, which also includes the Penobscot and Abenaki of Maine. Wabanaki, meaning “Land of the Dawn, ” refers to a vast area spanning Maine and the Maritimes.
The province of New Brunswick is Canada’s only officially bilingual province. While most Fredericton residents speak English, knowing both English and French can give you an advantage in the job market.
Located nearby is Oromocto, home to Canadian Forces Base Gagetown. This is Canada’s second-largest military base, and it plays a key role in the region’s economy and history.
New Brunswick’s Capital Region offers outdoor activities, festivals, and community events year-round, as each season offers new ways to explore, connect, and enjoy life. Experience a place that creates a welcoming place where nature and community meet. Whether it’s skiing snowy trails, paddling the Wolastoq River, or joining a local festival, every day brings opportunities for lasting memories.
Winter transforms the Capital Region into a hub for outdoor fun and community gatherings. Crabbe Mountain in Upper Kingsclear offers skiing and snowboarding with Atlantic Canada’s highest vertical drop, catering to all skill levels.
Visit Fredericton Capital Region Tourism site for seasonal activities and family-friendly events.
Fredericton is where innovation, research, and talent come together in the Knowledge Industry. Home to thousands of knowledge-based businesses, leading research institutions, and a pipeline of skilled graduates, Fredericton drives growth across sectors like healthcare, defence, and tech. With a uniquely collaborative ecosystem, this city isn’t just keeping up, it’s shaping Canada’s future.
Ignite, a key regional economic driver, fuels innovation and growth, making the Capital Region a place where businesses thrive and communities flourish.
The Capital Region’s job market blends innovation with work-life balance, evolving from a public sector base to a leader in clean technology, cybersecurity, and agritech.
With New Brunswick’s highest percentage of post-secondary-educated residents and Canada’s highest per-capita engineer concentration, the region drives growth in IT, engineering, and export services. Industries like biotech, aerospace, financial services, agriculture, and hospitality offer diverse career paths across Fredericton, Oromocto, and beyond.
The Capital Region, led by Fredericton’s top-15 global startup ecosystem (StartupBlink), is a launchpad for entrepreneurs. Ignite, a cornerstone of economic development since 2013, plays a pivotal role by:
Startups in energy, health tech, and software thrive, with Ignite and Planet Hatch led programs, such as Merge, fostering success across the region. Boost Fredericton, and City of Fredericton led initiative, empowers entrepreneurs to solve municipal challenges, testing solutions in a civic innovation lab.
The region’s supportive business community helps newcomers and permanent residents find careers.
Reach out to Ignite workforce team at workforce@myignite.ca to kickstart your job search.
Housing: Ignite – Welcome Guide for all you need to know about housing, amenities, recreation, and newcomer services.
Job Search: Ignite Active Jobs List, NBJobs.ca, Opportunities NB (ONB)
Entrepreneurship: Ignite, Planet Hatch, Boost Fredericton
Settlement services: The Multicultural Association of Fredericton provides settlement help, employment services, language classes, and connections to community services
Learn more about services in Canada to help newcomers settle.
Yes. The average rent for all bedroom types and properties in Fredericton is $1,850 (as of August 2025). This is approximately 40 – 60% less than Toronto or Vancouver.
Tech, engineering, healthcare, education, and public sector positions.
English is dominant, but nearly 34% of New Brunswickers are bilingual, the highest in Canada, so French can help with career opportunities.
Fredericton is located inland from the Atlantic Ocean. So it has higher summer temperatures and lower winter temperatures than coastal locations in New Brunswick. It has a sunny climate and averages about 2,000 hours of sunshine a year.
Fredericton offers newcomers a unique mix of affordability, career opportunities, and quality of life. Whether you’re a student, skilled worker, or entrepreneur, the Capital Region is a safe and welcoming place to build your future in Canada.
If you’re planning to study in Canada, a Guaranteed Investment Certificate (GIC) is vital. Discover the GIC amount in Canada for international students so you easily show proof of funds and confidently begin your study journey!
To study in Canada, you must meet the Government of Canada’s proof of financial support requirement of $22,895 (if you apply on or after September 1, 2025). You must prove you have the minimum amount to support yourself and any family members coming to Canada.
International students applying to study in Canada must prove they have enough money, without working to cover the cost of tuition fees, living expenses, and transportation costs.
Effective September 1, 2025, Immigration, Refugees and Citizenship Canada (IRCC) has increased the financial requirements for international students to CAD$22,895 (up from CAD$20,635) to align with inflation.
The following amounts show how much money you need to support yourself and your family members for the first year of study. These amounts are updated each year. These amounts do not include tuition and transportation costs.
| NUMBER OF FAMILY MEMBERS (including the applicant) | CANADIAN FUNDS REQUIRED PER YEAR (not including tuition) |
|---|---|
| 1 | $22,895 |
| 2 | $28,502 |
| 3 | $35,040 |
| 4 | $42,543 |
| 5 | $48,252 |
| 6 | $54,420 |
| 7 | $60,589 |
| If more than 7 people, each additional family member | $6,170 |
To study in Canada at a designated learning institution, you need to apply for a Study Permit. Among other study permit requirements, you need a police certificate, a medical exam, and proof of funds.
A GIC makes applying for a study permit easier to show “proof of funds” and comply with immigration rules.
The standard GIC amount for international students is typically $10,000 at Canadian banks. However, you may not need that amount to open a GIC account. For example, the minimum deposit at Scotiabank is only $5,000.
A lower deposit makes it much easier for students to invest. While you can open a GIC account with a minimum of $5,000, you must still meet the IRCC’s proof of financial support.
Banks charge a $200 fee to set up and maintain the account. Be sure to include any fees in the total investment amount.
A GIC is a secured investment, and you earn interest on your deposit to ensure financial growth. With a guaranteed investment, you get the amount you invest back at the end of your term. It’s also a safe and convenient way to show you have enough money to cover living expenses and other costs while studying in Canada.
For international students, a GIC is a vital financial tool, making it easy to manage your money. You can quickly access funds when you arrive in Canada, avoid financial stress, and focus on your studies!
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 WEBINAR
A GIC makes it easier to apply for a study permit because it clearly shows your funds. It’s one of many ways to show proof of funds when it comes from a “Big Five” bank in Canada: Scotiabank, TD, CIBC, RBC, or BMO.
A GIC provides guaranteed money for living expenses. And, it prevents you from travelling to Canada with a large amount of money for greater safety and ease.
When you arrive in Canada, you can get your money in monthly installments, making it easier to manage your budget.
A GIC is not a substitute for tuition fees. You must arrange to cover tuition payments and ensure you have sufficient funds.
The GIC amount covers basic living costs, including food, groceries, entertainment, and clothing. It is not intended to cover expenses like tuition, housing, and travel. It’s vital to manage your finances responsibly when you’re new to Canada for a smooth transition and greater comfort.
The big five banks in Canada offer Guaranteed Investment Certificates for international students. Choose a bank that aligns with your financial needs and study plans.
Each bank has specific requirements for opening an account. It’s vital to know what they require and follow the process to avoid delays or problems with your study permit application.
Research and compare GIC offers. Pay attention to interest rates, minimum deposits, access to funds, and options.
This usually involves submitting an application form along with proof of identity and acceptance into a Canadian school.
When your application is approved, you must transfer the GIC amount from a bank account in your home country.
When the transfer is complete, the bank gives you a certificate. You need to include this with your study permit.
When you arrive in Canada, you can access a portion of the GIC amount to cover initial expenses. The remaining amount is usually paid monthly to help you manage living costs throughout the year.
A Guaranteed Investment Certificate is a pillar for international students planning to study in Canada. Knowing the GIC amounts and how to set up an account helps to comply with proof of funds requirements. Careful planning can also help your chances of a successful study permit application. With secure finances, you’ll avoid financial stress, focus on your studies, and enjoy your experience in Canada!
Looking to rent in Sudbury as a newcomer to Canada? Greater Sudbury offers affordable rentals, a welcoming multicultural community, and easy access to nature. With a population of about 166,000 (Statistics Canada) and over 165 ethnic groups (City of Greater Sudbury), it’s one of Ontario’s most diverse cities. More than 40% of residents speak French, far above the provincial average of 2.4%, making it especially appealing to bilingual newcomers. Here’s your guide to the best Sudbury neighbourhoods for renting, complete with who they suit best, how to get around, the local vibe, and what you can expect to pay.
To learn more about the city, our guide to living in Sudbury, Ontario, covers the job and housing markets, lifestyle, and what to expect as a newcomer!
1-bedroom: approx. $1,871/month
2-bedroom: approx. $2,160/month
Many newcomers look for affordable 2-bedroom units to balance space and cost. Learn why a 2-bedroom apartment is a smart choice.
| RENTAL TIER | 1-BEDROOM RANGE | 2-BEDROOM RANGE |
|---|---|---|
| BUDGET (Older units or shared housing, often outside premium areas) | Under $1,100 | Under $1,400 |
| MODERATE (Affordable neighbourhoods with decent amenities) | $1,100-$1,500 | $1,400-$1,900 |
| MID-RANGE (Popular areas with good transit, services, and newer rentals) | $1,500-$1,800 | $1,900-$2,200 |
| UPPER RANGE (Premium locations, new builds, or close to lakes/parks) | Over $1,800 | Over $2,200 |
Sudbury has many neighbourhoods that offer great rental opportunities for newcomers, whether you’re looking for affordable housing, student-friendly areas, or access to green space and transit. Here are the top picks:
Downtown is the cultural and business heart of the city, offering easy access to jobs, transit, and services. You’ll find rental apartments, restaurants, grocery stores, and cultural centres all within walking distance.
Good for: Newcomers without a car, professionals, job seekers, and people who want nightlife and cultural events.
Access: Primary transit hub, close to government services, shops, restaurants, and employment.
Vibe: Energetic and diverse, with a mix of business, culture, and entertainment.
Rental range: Moderate to mid-range (1-bedroom $1,100- $1,800; 2-bedroom $1,400 – $2,200.
Why newcomers like it: Everything’s within walking distance; lots of cultural events and cafes.
This Sudbury neighbourhood is home to Cambrian College and Collège Boréal. It’s ideal for students and young families, and the New Sudbury Centre, the largest mall in Northern Ontario, is nearby. Rental types include apartments, townhomes, and single detached homes.
Good for: Students, young families, and budget-conscious renters.
Access: Multiple GOVA Transit routes serve the area.
Vibe: Busy and convenient, with easy access to education, retail, and services.
Rental range: Moderate to mid-range (1-bedroom $1,100- $1,800; 2-bedroom $1,400 – $2,200.
Why newcomers like it: Convenience of having everything nearby, from groceries to healthcare.
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 WEBINARThe South End is surrounded by lakes and parks, offering a high quality of life and access to top institutions such as Health Sciences North and Laurentian University. South End rentals are more expensive but provide lakeside living. Greater Sudbury has 300+ lakes within the city limits.
Rental types in this Sudbury neighbourhood include lakeside homes, townhouses, and newer apartments.
Good for: Families, healthcare workers, and newcomers who love lakeside living.
Access: Near Health Sciences North, Science North, shopping, and conservation areas.
Vibe: Family-friendly, scenic, and active, with a high standard of living.
Rental range: Mid-range (1-bedroom $1,100-$1,800; 2-bedroom; $1,400–$2,200).
Why newcomers like it: Strong schools, parks, and shopping within walking or short driving distance.
One of Sudbury’s oldest neighbourhoods, Minnow Lake, offers proximity to downtown and scenic trails along Lake Ramsey, and the Kingsway shopping district, often at more affordable rental prices.
Rental types include a mix of older single-family homes and low-rise apartments.
Good for: Active newcomers, those seeking trails and beaches, and pet owners.
Access: Close to Moonlight Beach and off-leash dog parks.
Vibe: Relaxed and outdoorsy, with a small-town feel but close to amenities.
Rental range: Mid-range (1-bedroom $1,100-$1,800; 2-bedroom; $1,400–$2,200).
Why newcomers like it: Lakeside living at reasonable prices, plus outdoor recreation year-round.
This historic neighbourhood has deep French-Canadian roots and is a hub for the francophone community in Sudbury. Rental types include affordable apartments and older homes.
Good for: French-speaking newcomers, families seeking French-language schools, and renters seeking affordable housing.
Access: Close to downtown by car or bus.
Vibe: Historic and community-oriented, with strong French-Canadian roots.
Rental range: Budget to Moderate (1-bedroom under $1,500; 2-bedroom under $1,900).
Why newcomers like it: Lower rents and a strong sense of community make it easier to get established.
Known for its Italian-Canadian roots, Gatchell offers a close-knit community and affordable rental options near the popular Delki Dozzi Park, community pool, parks, and Dynamic Earth science centre. Rental types include older homes from the 1920s-40s on compact lots.
Good for: Budget renters and newcomers seeking a close-knit, multicultural neighbourhood.
Access: GOVA operates bus routes that connect Gatchell to the city center and other areas.
Vibe: Quiet, neighbourly, with a proud Italian heritage.
Rental range: Moderate (1-bedroom $1,100–$1,500; 2-bedroom $1,400–$1,900).
Why newcomers like it: Quiet streets, established community, and easy downtown access
Located beside Lake Ramsey, this neighbourhood combines scenic lake access with proximity to downtown, making it both relaxing and convenient. Bell Park offers beaches and walking trails.
Good for: Families, students, and nature enthusiasts seeking access to the city.
Access: Moderate (bus, bike paths, walkable to downtown)
Vibe: Picturesque and relaxed with a mix of housing styles.
Rental range: Upper range (1-bedroom over $1,800; 2-bedroom over $2,200).
Why newcomers like it: Beautiful surroundings, recreational access, and a peaceful atmosphere.
One of Sudbury’s oldest neighbourhoods, Donovan has a village-like charm and is home to many long-time residents and new immigrants alike. Rental types include small lot homes, heritage buildings, and affordable apartments.
Average rent is about $1,250 for a 1-bedroom and $1,650 for a 2-bedroom (Q2 2025, Rentals.ca). That’s 35–50% lower than Toronto or Ottawa.
Donovan, Gatchell, and Flour Mill offer more affordable rental options.
New Sudbury is best if you are attending Cambrian College or Collège Boréal.
GOVA Transit operates 25+ routes connecting most major neighbourhoods through the primary transit hub downtown Sudbury.
Sudbury offers a variety of rental options for newcomers, from budget-friendly apartments in Donovan and Gatchell to premium lakeside living in areas like Ramsey Lake and the South End. You can use the rental range key to match your budget with the right neighbourhood. Choose based on what matters most: fast transit, a family-friendly area, or a lively urban vibe. Understanding the rental tiers will help you select the best Sudbury neighbourhood for your unique needs.
Once you’ve chosen a neighbourhood that matches your budget and lifestyle, check out our Living in Sudbury guide to learn more about jobs, culture, and life in the city.
🏠 Still searching for a rental apartment in Sudbury? Visit Rentals for Newcomers!
Worried about how much rent costs in Canada? Whether you live in Toronto, Vancouver, or a smaller city, rent takes up a big part of your monthly budget. Rent typically eats up 30% to 50% of a newcomer’s monthly income, making it one of the largest costs to manage. The good news? As a newcomer, you can take steps to reduce your housing costs, even without Canadian credit history or rental experience. Here are 10 proven ways to save money on rent in Canada and avoid common pitfalls.
Whether you’re an international student, professional, or newcomer family, these smart tips can help you secure housing that fits your budget.
If you’re new to Canada, you may not qualify for the best-priced rentals. Landlords often check your credit score and employment history, which you may not have yet. Focus on building Canadian credit using a secured credit card and explore short-term rentals while you build your profile.
Apply for a credit-building product early, like a secured credit card, and ask landlords about month-to-month or short-term leases.
Don’t have Canadian credit? That’s not unusual for newcomers. Some landlords are open to alternative documents such as proof of savings, international bank statements, or letters of reference from employers or previous landlords. Read more about renting in Canada without a credit history.
Create a newcomer rental package with:
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 GUIDERent isn’t always set in stone. Vacant units that have been on the market for 30+ days are three times more likely to offer discounts or flexible lease terms. If you’re willing to offer something in return, you may be able to negotiate a better deal.
Offer something helpful in return:
Some landlords include utilities, internet, or parking in the rent; others don’t. Without a breakdown of costs, you may end up overpaying.
Ask for a detailed breakdown. Compare:
You may find that paying for utilities yourself saves money, especially if you’re energy-efficient.
If you’re still abroad, it may be tempting to sign a lease online, but this increases your risk of overpaying or being victim to a rental scam. Some landlords don’t list their best deals online or may exaggerate the quality of the unit. Get more smart tips to avoid rental scams.
Knowing the average asking rent prices in the city where you want to rent helps you spot overpriced listings and negotiate more confidently. For example, the average rent for a one-bedroom in Toronto is over $2,400/month (as of June 2025), and landlords often overprice based on neighbourhood assumptions.
Realtors and settlement workers can offer insider advice about affordable neighbourhoods and trustworthy landlords. Some newcomers miss out on better rentals simply because they don’t know who to ask.
Canada offers free support to help newcomers with housing, job searching, and settlement. These programs may connect you with affordable rentals, co-op housing, or even subsidized units.
Search for free newcomer services in Canada that can help you build your new life in Canada.
High-demand areas and downtown locations are pricey. But many less trendy areas offer lower rents, safe communities, and transit access.
One of the smartest ways to save money on rent in Canada is by renting a room in a shared home. This affordable housing option can help you avoid sky-high rent prices, especially in expensive cities like Toronto and Vancouver.
With safety checks and matching based on compatibility, this solution is both cost-effective and welcoming. Whether you’re new to the country or looking for a smart way to stretch your budget, sharing a home could be your best move.
A common rule is to spend no more than 30% of your gross income on housing. However, in cities with high rental prices, you can expect to spend 30 – 50% of your income.
Yes, but you may need to provide additional documents like a letter from a sponsor, proof of savings, or a larger deposit. Some landlords are open to working with newcomers.
Absolutely. Consider smaller cities like Halifax, Winnipeg, or Edmonton for more affordable housing options. Rent also drops by 20 – 40% outside downtown cores.
Yes, especially if the unit has been vacant for a while or you offer something valuable like a long lease.
Learning how to save money on rent in Canada is vital for newcomers facing high housing costs in major cities. From choosing more affordable neighbourhoods and negotiating lease terms to exploring home-sharing platforms like Sparrow, there are practical ways to cut costs without compromising safety or comfort. Whether you’re an international student, worker, or newcomer family, these smart strategies can help you secure housing that fits your budget and your goals for building a new life in Canada.
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.
Still searching for an apartment? Visit Rentals for Newcomers!
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 demonstrate your financial reliability. These may include proof of income or a job offer, 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!