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Mississauga, Ontario is a popular city for immigrants to Canada. This large, multicultural city has a strong support system for newcomers making it even more appealing. Choosing the right landing city is a big decision and it’s wise to research and compare cities to make the best possible decision. Discover what you can expect living in Mississauga, Ontario from housing to jobs to quality of life, and culture.
Important factors to consider when choosing a city are the job market for your profession and the cost of housing. Choosing a city with suitable job opportunities that match your skills and experience and affordable housing options will set you up for success in Canada. In addition, you want to ensure that the city you choose meets your personal and practical needs.
Mississauga, Ontario is located in Peel Region on the shores of Lake Ontario. The city is also part of the Greater Toronto Area (GTA) and is 24km from Toronto. This makes Mississauga a popular location for people commuting to work in the City of Toronto or nearby cities such as Brampton.
Mississauga has grown over the years to become one of the biggest municipalities in Canada. Founded in 1805 as Toronto Township, it was reclassified as Mississauga Township in 1968 and became the City of Mississauga in 1974.
The population of Mississauga is roughly 766,00. It is the seventh-largest city in Canada and the third-largest city in Ontario. Residents come from all parts of the world, making it one of Canada’s most globally connected and diverse cities. 53% of Mississauga’s population were born outside the country, making it one of the largest landing cities for immigrants.
Home to Pearson International Airport, and with access to all major highways in the GTA, Mississauga is an attractive location for business. It’s home to the head offices of multinational corporations and the world’s most recognized brands.
Mississauga is a hub for innovation, technology, supply chain, transportation, and manufacturing.
Top industries include:
Many newcomers choose to live in Mississauga because of the diverse industries and career opportunities. More than 60 Fortune 500 companies are located in Mississauga including:
There are also career options in many industries, professions, and trades. Upon arriving in Canada, you can contact local recruitment agencies to explore job opportunities. Some top recruiting firms are Randstad Canada, Robert Half, Resolve Recruit Inc., and AppleOne Employment Services.
Mississauga offers many different types of housing to select based on your budget, lifestyle, and preferences. Housing is more expensive than many mid-sized or small cities in Canada. You can research Mississauga rental housing costs and options at Rentals for Newcomers.
The housing market in Mississauga is more expensive than in other areas in Ontario and Canada. However, it is more affordable than other cities within the Greater Toronto Area.
The cost of renting or buying a house in Mississauga varies depending on where you choose to live. Some of the most expensive neighbourhoods are Lorne Park, Gordon Woods, and Credit Mills. More affordable neighbourhoods are Applewood, Meadowvale, Fairview, and Mississauga Valleys.
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 city ranks in the top five most expensive cities to rent. Rent is typically higher than $2,000 per month for a 1-bedroom apartment. Consider how much rent is relative to how much you can expect to earn to manage your expenses. Housing affordability in Canada is based on spending roughly 30% of your income on housing costs.
| NUMBER OF BEDROOMS | AVERAGE RENT (As of October, 2024) |
|---|---|
| Studio | $1,747 |
| I-Bedroom | $2,207 |
| 2-Bedroom | $2,742 |
| 3-Bedroom | $3,328 |
You can research rental prices in Mississauga before you arrive in Canada at Rentals for Newcomers. Learn more about how to find accommodation in Canada with Rentals for Newcomers.
Renter’s insurance is an important consideration when renting. It protects your family, belongings, and finances. While optional, many property owners may require you to buy renter’s insurance as part of your rental application. Get more information about renting a home: Renting in Canada: What Newcomers Need to Know.
According to the Canadian Real Estate Association, the benchmark price for single-family homes was $1,362,200 as of September 2024 (down 2.1% from September 2023). The average price for a townhouse was $829,900 (down 3.7%), and the average cost of a condo was $644,800 (down 3.2% from year-ago levels). Find out more about buying a home in Canada, First Time Home Buyer: Newcomer Tips.
Many Mississauga residents commute to work within the GTA. Commute times can be lengthy given traffic congestion issues within the GTA. However, major highways pass through the city, making it easy to get around.
Highway 401 passes through the north end. Residents also have access to Highways 403, 409, 410, and 427. HiHighway 407 is an Express Toll Route (ETR) that helps drivers travel quickly across the GTA.
Learn more about driving in Canada:
Driving Test in Canada: A Full Guide
Getting Your Drivers License in Ontario
Tips for Winter Driving to Ensure Your Safety
MiWay is Mississauga’s efficient and safe public transit system. Using MiWay, residents can connect with GO Transit (regional bus and train service), Toronto Transit Commission (TTC), Brampton Transit, Milton Transit, and Oakville Transit. These options provide residents with access to most of the Greater Toronto Area.
MiWay’s extensive bus routes connect to neighbourhoods and key destinations. This makes it easier to navigate the city without owning a car. There are also plans to extend the Toronto subway to the city by 2030.
The city has also developed a network of cycling paths to make it easier for residents to explore the city by bike. This contributes to sustainability efforts and promotes healthier modes of transit.
Newcomers to Mississauga have access to support through a variety of community organizations. The Newcomer Settlement Program can help you get information about everything you need to settle. The City of Mississauga also offers various services and programs for newcomers.
Public libraries offer programs to help immigrants learn English and improve their language skills. You can also take language classes through Settlement.org, Immigration Peel, and other community groups. Learn more about Services in Canada to Help Newcomers Settle.
Having a strong financial foundation is vital when you move to Canada. All local banks and financial institutions have programs to assist newcomers. You can open a bank account, apply for credit cards, open a line of credit, and apply for a mortgage. You can also get assistance for many other financial products. Visit a local bank branch in person or online to start the process.
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Mississauga offers children and adults vast education options. There are four school boards and university and college campuses across the city. Parents have access to daycare and preschool options. There are also before and after-school programs.
There are 121 elementary and secondary public schools and 114 Catholic elementary and secondary schools.
Four school boards run more than 150 schools:
If you prefer, you can enroll your children in one of the private schools or English as a second language (ESL) schools. Multiple schools also offer specialized Arts, Business, Technology, and Sports programs.
Newcomers have several post-secondary education options. The University of Toronto has a campus in Mississauga. The Sheridan Institute of Technology & Advanced Learning Hazel McCallion Campus is downtown. Lambton College and Mohawk College also have a satellite campus in the city specifically for international students.
You are also a short commute to other post-secondary institutions in Toronto. Read more about education in Canada:
Schooling in Canada | A Look at the Education System
Higher Education Offers Benefits to Newcomers
Mississauga has two hospitals that are part of Trillium Health Partners. Credit Valley Hospital is in the northwest and Mississauga Hospital is in the southeast. The city also has hundreds of smaller medical and dental clinics.
In the event of an emergency call 9-1-1. This emergency number is the same no matter where you live in Canada.
Permanent residents can get publicly funded health care through the provincial government’s Ontario Health Insurance Program (OHIP). You can apply for OHIP as soon as you arrive in Ontario. You can buy private health insurance for prescription medication and services the provincial healthcare program does not cover. Many people have third-party health insurance through their employer benefits packages.
Taking care of your health is a priority. So, finding a family doctor is a crucial step to take when you arrive. There are two ways to look for a doctor in Mississauga: through Health Care Connect or The College of Physicians and Surgeons of Ontario.
Mississauga offers many year-round events and activities. The city has a vibrant arts community, cultural celebrations, festivals, and cuisine.
Mississauga has a lot to explore. It’s perhaps best known for the unique Absolute World Towers. If you love shopping, Square One Shopping Centre is a must-see. Erin Mills Town Centre, and Dixie Outlet Mall, are other popular shopping centres. If you enjoy the arts, the Mississauga Art Gallery is one of the city’s premier cultural attractions. The city is also close to major attractions in Toronto.
Mississauga offers international cuisine from around the world. You can find diverse cultural restaurants throughout the city. The local neighbourhoods of Port Credit and Streetsville are lined with cafes, pubs, and restaurants with authentic ethnic cuisines.
The city has an open space system with 3,100 hectares of parkland for those who enjoy the outdoors. Some top places to visit include Pinnacle Grand Park, Rattray Marsh Conservation Area, Lakefront Promenade Park, and Jack Darling Memorial Park.
The city has many minor sports franchises such as the Steelheads of the Ontario Hockey League and the Raptors 905 of the NBA G League. In addition to many bars and clubs in the city, you can see concerts and live music at Paramount Fine Foods Centre.
Mississauga is one of the most diverse cities in Canada and its key strength is its multiculturalism.
Based on 2021 Census data, the largest ethnocultural background is European (37.6% of the population). This is followed by South Asian (25.4%), Chinese (7.3%), Black (6.9%), Filipino (5.4%), and Arab (6%).
Outside of English, the most common first language was Urdu (5.0%), Arabic (4.7%), Mandarin (3.2%), Polish (3.1%), and Punjabi (2.9%).
There are a variety of religious beliefs represented in the city. Mississauga is a primarily Christian community. However, 49.9% identify as Christian, 30.4% as Catholic, and 3.6% as Orthodox.
Other religions include Islam (17%), Hinduism (8.8%), Sikhism (3.4%), Buddhism (2%), and Judaism (0.2%). 18.1% have no religious affiliation.
The weather in Mississauga is like other cities across the Greater Toronto Area. It has a continental climate that is like the rest of Southern Ontario.
July is the warmest month with an average temperature of about 27 degrees Celsius. January is the coldest month with an average temperature of -10 degrees. Expect changing weather conditions throughout the year.
Mississauga is a great city for newcomers because of its diversity. People from all over the world call the city home. There are job opportunities across many industries. Settlement agencies can lend community support and help you settle. It has a beautiful waterfront along the shores of Lake Ontario with three beaches, and it is home to hundreds of free festivals and cultural events each year.
Housing prices are one of the main concerns for newcomers considering moving to Mississauga. Prices can be expensive. The city also has significant traffic on major highways and city streets. This could add time to your daily commute.
There are many benefits to living in Mississauga and making it a place to call home in Canada. It offers a strong economy, diverse business landscape, robust education and healthcare facilities, and a thriving multicultural city in Canada.
Moving to Canada offers exciting opportunities and a new way of life. But, it’s a big decision that involves exploring where to live and work in Canada. Brampton, Ontario is one of many cities to consider. It is a popular location for new immigrants because of its vibrant multiculturism. However, it’s vital to research the city before you make your final decision about where to live.
Learning about the housing market, local economy, career options, and what the city offers will ensure you make the best decision for you and your family. This overview will give you a taste of what you can expect living in Brampton!
Brampton, Ontario is located in the Regional Municipality (RM) of Peel. The RM includes the cities of Mississauga and Brampton, and the Town of Caledon. The region is also part of the Greater Toronto Area (GTA) and is 40 km from the City of Toronto. Brampton is one of the fastest-growing cities in Canada.
Historically inhabited by indigenous peoples, it was named after the Town of Brampton, England, and incorporated as a town in 1873. It became a city in 1974. Today, it is one of the most diverse cities in Canada.
The city has a population of close to 700,000. It is the 9th largest city in Canada, the 4th largest in Ontario, and the 3rd largest within the GTA. 52% of the city’s population were born outside of Canada, making Brampton the fourth-largest visible minority population in the country.
Discover more about the economic landscape, top industries, and how to continue your career in Brampton.
Brampton’s proximity to Pearson International Airport, major highways, and corporations attract many people and businesses to the region. It has become a destination for corporate head offices, warehouses, manufacturing facilities, and factories. It is a prime location along the supply chain in the province. High growth is expected in the city until 2041.
The top industries in Brampton are:
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 WEBINARBrampton is home to major employers across many industries. It is home to more than 100 Biotech firms. And it’s located in the centre of the Toronto-Waterloo Innovation Corridor, the second-largest tech cluster in North America outside of Silicon Valley. Some of the top employers include:
Brampton is building an Innovation District. This is an ecosystem to connect talent, educators, investors, and entrepreneurs with high-growth organizations. The City of Brampton is also strengthening its labour force in its key industries.
Careers in manufacturing, construction, food & beverage, healthcare, life science, logistics, and information technology offer diverse opportunities.
You can contact local recruiters when you arrive in Canada. Some top recruiting firms are Advantage Group, IS2, Robert Half, Randstad Canada, and HCR Personnel Solutions, Inc.
Brampton continues to grow and expand, offering newcomers more diverse housing options. Whether you are looking for a detached home, condo, or townhouse, you can find it in one of the city’s neighbourhoods.
Most newcomers arrange for short-term accommodation before arriving in Canada, and then search for permanent rental accommodation when in Canada. Buying a home in Canada remains an important dream for newcomers to grow roots, and build equity in Canada. However, it’s wise to rent a home before jumping into homeownership.
Housing prices are rising in Brampton, like all other cities in the province. But it is more affordable than others in the Greater Toronto Area. This makes it a more attractive city for newcomers wanting to buy homes.
The location you choose to live will determine how much you pay for housing. The most expensive neighbourhoods are Toronto Gore, Huttonville, Vales of Castlemore, and Brampton West. Some of the most affordable areas are Bramalea, Sandringham-Wellington, and Heart Lake.
Rental prices vary based on the type of housing you require, location, and vacancy rates in Brampton.
| NUMBER OF BEDROOMS | AVERAGE RENT (As of October, 2024) |
|---|---|
| Studio | $1,595 |
| 1-Bedroom | $1,838 |
| 2-Bedroom | $2,342 |
| 3-Bedroom | $3,069 |
Use Rentals for Newcomers to search for available rental units in Brampton. Here, you can also find current rental prices in Brampton.
Also, consider buying renters’ insurance if you are renting an apartment. Most property owners will require it as part of your lease agreement. In Canada, your property owner’s insurance does not protect the tenant. You will need renters’ insurance to protect your family, belongings, and finances. Get more information about renting a home: Renting in Canada: What Newcomers Need to Know
Brampton’s benchmark home price as of September 2024 saw a year-over-year price drop of 5.9% to $984,000.
AVERAGE BRAMPTON HOME SOLD PRICE: $1,035,184 (Down 0.6 COMPARED TO LAST YEAR).
| TYPE OF HOUSE | AVERAGE PRICE (UP OR DOWN) YEAR-OVER-YEAR |
|---|---|
| Detached Home | Down 1.8% to $1.9 M |
| Semi-Detached Home | Price unchanged at $932k |
| Condo Townhouse | Down 2.6% to 675k |
| Condo Apartment | Down 3.8% to 521k |
Buying a home in Brampton is expensive. But, prices are coming down. Read more about the latest housing stats and trends in Canada for newcomers here.
Find out more about buying your first home in Canada: First Time Home Buyer: Newcomer Tips
This is a big part of life for Brampton residents. The city is surrounded by several major highways including Highway 410 which runs through the middle. Other Highways include 401, Highway 10, Highway 7, and Highway 407 Electronic Toll Road.
Brampton has some of the highest auto insurance rates in the province. The region is known for a high car accident rate. To save on auto insurance, drive safely and keep a clean driving record.
Get more information about driving in Canada:
Driving in Canada: 10 Essential Facts to Know
Driving Test in Canada: A Full Guide
Getting Your Drivers License in Ontario
Brampton Transit is one of the fastest-growing transit providers in Canada. Residents use Zum bus rapid transit to connect to attractions and destinations in Brampton and connect to public transit systems such as York Regional Transit and MiWay (Mississauga Transit). If you work in Toronto, it’s a quick and easy commute on the GO train or other areas across the GTA.
Using public transit offers an affordable option to owning and operating a car. And, you can avoid the busy roads and highways that can be quite congested.
As a home to many immigrants, Brampton offers a range of newcomer services. So, you can get support to find work, look for housing, enhance your language skills, and much more. Free newcomer services can help you adapt to your new community faster and more easily.
The Newcomer Settlement Program through the Brampton Multicultural Centre, The Newcomer Centre of Peel (NCP), and Immigration Peel are great resources to help you adapt to your new community. Learn more about Services in Canada to Help Newcomers Settle.
Newcomers can access language support services at the Brampton Library, or take language classes through Settlement.org, Immigration Peel, and other community groups. Settlement workers can help you with jobs, housing and schools, health care, banking, and more!
Setting yourself up for financial success is vital before and after you arrive in Canada. All local banks in Brampton have programs to help newcomers. You can open personal and business bank accounts and apply for other financial products. Banks can assist you with getting a credit card, opening a line of credit, and applying for a mortgage. Visit a local bank branch to start the process.
Get more banking tips for newcomers:
Top 10 Financial Steps to Take Before You Leave for Canada
Move to Canada | Transferring Cash & Valuables
Open a Bank Account Before Arriving in Canada
Brampton offers top-notch education for children and adults. There are two main school boards in the area. However, one thing that Brampton lacks is a post-secondary institution. But, you can access colleges and universities throughout the GTA.
Parents have access to many preschool and daycare options. There are before and after school programs, and private, public, and community childcare programs across the city.
The Peel District School Board runs 122 public schools in Brampton. The Peel School Board has We Welcome the World Centres to help you register your children in school, and access other helpful services.
The Dufferin-Peel Catholic District School Board runs 44 Catholic elementary and middle schools and nine high schools. Their Newcomer Centres can provide a smooth entry into the school community.
If you prefer, you can enroll your children in a private school in Brampton. However, you pay tuition fees if your children attend a private school.
The city has two post-secondary institutions – Algoma University at Brampton and Sheridan College. There are also private colleges such as TriOS College, SDI College, Medix College, and Evergreen College.
Read more about education in Canada:
Schooling in Canada | A Look at the Education System
Higher Education Offers Benefits to Newcomers
William Osler Health System’s Brampton Civic Hospital and Peel Memorial Hospital are the two major hospitals in the city. However, there are plans to expand facilities.
The city has hundreds of smaller medical and dental clinics that operate in Brampton. You can pay for additional health insurance plans for prescription drugs and services that the Ontario Health Insurance Plan (OHIP) does not cover. Some people have third-party health insurance through their employer benefits packages.
In case of an emergency call 9-1-1. This number is the same no matter where you live in Canada.
Finding a family doctor is crucial to ensure your health and wellness. There are two ways to look for a doctor in Brampton: through Health Care Connect or The College of Physicians and Surgeons of Ontario.
Read more about the steps to access free health care in Canada.
Brampton is a great place to call home with many recreation facilities, museums, cultural centres, and exciting events happening all year.
The city has several unique attractions. Some of the most popular are the Peel Art Gallery, Artway Gallery, Great War Flying Museum, and many others. If you’re into the arts, The Rose and Lester B. Pearson Theatre holds multicultural productions throughout the year.
Brampton is known for its culinary experience from around the world. You’ll discover diverse cultural restaurants throughout the city. Check out the Brampton Food Guide to learn about the hidden gems and abundance of diverse foods!
Some of the top outdoor attractions include Gage Park, Claireville Conservation Area, Heart Lake Conservation Area, and Professor’s Lake.
Garden Square is a great place to see local music artists, live entertainment, cultural events, and much more. The city is home to several minor league sports teams. The most notable is the Brampton Battalion of the Ontario Hockey League
Diversity is the top reason people choose Brampton as their new home when they come to Canada. There are over 300,000 immigrants in the city. Over 80.6% (523,850 people) report as a visible minority. In total, over 250 cultures are speaking 171 languages!
Based on the 2021 Census, the top three visible minorities were South Asian (340,815) Black (85,305), and Filipino (21,060). This is followed by European (26%), Black (13.9%), Filipino (3.4%), Latin American (2.4%), East Asian (1.7%), and Southeast Asian (1.4%).
The most common languages spoken in the city are English (95.1%), Punjabi (24.0%), Hindi (11.4%), Urdu (5.4%), and French (5.2%).
As a diverse city, many religions are represented with the largest being Catholic and Protestant. Other religions include Sikhism, Hinduism, and Islam. The city has one of the largest Hindu and Sikh populations in the country. Check here to find Hindu places of worship or Sikh Temples.
Brampton has a continental climate that is like the rest of Southern Ontario. The average temperature ranges from -9.4° C in January to as high as 27.1° C in July.
The city enjoys four seasons. You can expect sunny and humid days during the summer, rain in the fall and spring, and cold and snow in the Winter.
Yes. Brampton is more affordable than Toronto, but not by much. Real estate prices continue to rise and Brampton is expensive. However, there are affordable areas within the city.
With the cities close together, it is common for immigrants to consider both. These neighbouring cities are similar in size and population. When choosing between the two, you might consider your housing choices, lifestyle preferences, and the type of community you want to live in. However, both are excellent choices for newcomers.
Brampton is a dynamic, diverse, and fast-growing city. It offers great amenities for newcomers and provides a healthy job market and affordable housing. Some downsides include a lack of post-secondary schools and traffic congestion on city roads and surrounding highways. But, it’s important to weigh the pros and cons of living in Brampton when deciding which city to live in Canada.
Canada is one of the largest countries in the world. Many new immigrants come to the country because of the vast opportunities and variety of unique cities to choose from. Many newcomers choose to move to the province of Alberta because of the more affordable living expenses and economic opportunities. While Calgary and Edmonton are typically the main destinations, moving to Lethbridge is worth considering.
When assessing a city, it’s helpful to research the job market, housing options, and community culture. Each one of these will influence your lifestyle. If you are considering moving to Lethbridge, Prepare for Canada can guide you.
Lethbridge is located in the south-central region of Alberta. It’s located close to the Canadian Rocky Mountains and is known for its warm summers and mild winters. It’s an ideal location for people who enjoy exploring the outdoors.
The city’s prime location makes it a major hub for transportation and business for Southern Alberta. The city is about a two-hour drive south of Calgary, and it’s just over one hour north of the United States border into the state of Montana.
The Lethbridge area was originally inhabited by First Nations and was created to support drift mining. It was incorporated as a town in 1890 and later as a city in 1906.
According to the 2021 Census, there are 98,406 residents. This is an increase of 6.1% since 2016. The city has experienced significant population growth since 2000. The Census Metropolitan Area has a population of close to 125,000. It’s the fourth largest city in Alberta.
Lethbridge was originally established on drift mining for coal and later developed into a primarily agriculture-based economy. However, it has become more diversified over the past few decades. It has become the industrial, commercial, distribution, and financial centre for southern Alberta. About half of the workforce is in hospitality, health, education, or retail.
The top industries in Lethbridge are:
Lethbridge employs over 80,000 people, some of who commute from other close by towns. Most of the major employers in the city are government-based. Top employers in the area include:
Lethbridge is an ideal location if you want to work in health, education, or government services. You can search for a job online through the Alberta job centre website. You can also connect with local recruiting agencies such as Select People Solutions, Positive Lifestyles Recruitment (PLR), and Hire Standard Inc.
Finding the right home to fit your lifestyle and financial situation is an important decision to make. Lethbridge has lots of options. The city has close to 40 neighbourhoods spanning three main regions – North Lethbridge, West Lethbridge, and South Lethbridge. The west is the newest area and is home to Lethbridge University. This has been the main growth area for the city.
Alberta is the main option for newcomers because of its more affordable real estate compared to other parts of Canada. Lethbridge is very affordable compared to other cities in the province and across the country. You can find the lowest prices in the Park Meadows neighbourhood.
Lethbridge rental rates are very affordable. About 30% of the population are renters. You can find a place to rent for as low as $750 per month. You can pay anywhere from $700 to $1,500 or more depending on the type of apartment you need. The average rent for an apartment in Lethbridge is $954 for a Bachelor, $1024 for a 1 Bedroom, $1163 for a 2 Bedroom, and $1323 for a 3 Bedroom.
Use Rentals for Newcomers to search for available rental units in Lethbridge. Here, you can also find current rental prices in Lethbridge. It’s a great resource to help you find a place to rent quickly. When looking for a place to live, consider buying 
. This will give you protection for your family and personal belongings.
Get more information about renting a home: Renting in Canada: What Newcomers Need to Know.
Lethbridge real estate prices are significantly more affordable than in other areas of the country. About 70% of the population own a home. Even though costs have increased by over 10% in the past year, you can pay hundreds of thousands of dollars less. According to the real estate website Zolo, the median price for a home is $399,000. The median price for a townhouse is $270,000 and the median price for a condo is $155,000.
Four provincial highways pass through the city, Highway 3, 4, 5, and 25. The city is located along the CANAMEX Corridor. This freeway system connects Canada to Mexico through the United States. Therefore, the city sees a lot of commercial truck traffic.
The majority of people drive in Lethbridge. According to Statistics Canada, 91% of residents drive. You can get a learner’s licence at the age of 14. But you must complete the graduated licencing program to become fully licenced in Alberta.
Get more information about driving in Canada:
Driving in Canada: 10 Essential Facts to Know
Driving Test in Canada: A Full Guide
Tips for Winter Driving to Ensure Your Safety
Lethbridge Transit operates a fleet of 40 buses for more than a dozen routes throughout the city. Lethbridge Airport is a commercial airport offering commercial flights to Calgary.
Lethbridge is not known for being a diverse city. But it does have a strong support program for new immigrants moving to the city. Newcomers can get assistance with Resettlement, translation, and a variety of community support services through the Lethbridge Local Immigration Partnership (LIP) initiative. This is funded by Immigration, Refugee and Citizenship Canada (IRCC) and is in partnership with Lethbridge Family Services.
There are a variety of private and public resources newcomers can use to receive language support. Some include Lethbridge Family Services, Language Linx, and Southern Alberta Language Assessment Services. You can get Interpretation/translation services in over 20 different languages through the LIP program.
Setting up a bank account and organizing your finances is important when you move to Canada. All local banks offer programs for new immigrants to open a bank account. There are also programs in place to help you get a line of credit, mortgage, and access to other financial products. Visit a bank close to your home or fill out an application online.
Get more banking tips for newcomers:
Top 10 Financial Steps to Take Before You Leave for Canada
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Open a Bank Account Before Arriving in Canada
How Much Money Will I Need to Move to Canada?
Lethbridge has a strong education system. Families can enroll their children in public, private, Catholic, or French language schools. You also have access to daycare and childcare programs for children who are not old enough to attend school.
Three school boards oversee the education system, the Lethbridge School Division, Holy Spirit Roman Catholic School Division, and the Palliser School Division, which oversees education in areas outside the city. In the public board, there are five high schools, four middle schools, and 14 elementary schools. In the Catholic board, there are 15 schools.
The city is home to two post-secondary institutions, University of Lethbridge and Lethbridge College. Red Crow Community College also has a campus in the city.
Read more about education in Canada:
Schooling in Canada | A Look at the Education System
Higher Education Offers Benefits to Newcomers
Lethbridge has one hospital, the Chinook Regional Hospital on the city’s south side and easily accessible from all parts of town. In case of an emergency call 9-1-1. This number is the same no matter where you live in Canada. The city also has many walk-in clinics you can visit for non-emergency care.
Many health services are free for people covered by the Alberta Health Care Insurance Plan (AHCIP). Newcomers can apply for the AHCIP three months before leaving their country of origin. If your employer doesn’t offer health benefits, you can purchase individual 
.
Finding a family doctor is important to ensure your family has access to proper health care. However, you may need to be put on a waiting list until a doctor accepts new patients. You can use this College of Physicians and Surgeons of Alberta online search tool to find a doctor.
There is no shortage of things to do in the city. There are many parks, golf courses, shopping, eateries, and vast outdoor sites to explore. Lethbridge is known for its parkland. 16% of the city is designated as parkland for residents to enjoy.
The south side of the city has the majority of attractions. Downtown is home to Park Place Mall and Galt Gardens. The city is home to art galleries, including the Southern Alberta Art Gallery (SAAG), Galt Museum, and CASA. You can also check out Fort Whoop-Up, Pure Casino, and the Helen Schuler Nature Centre.
There are many great restaurants, bars, and pubs in the city. If you are hungry check out Italian Table, Two Guys and A Pizza Place, Bootsma Bakery, and ITEA Express. If you are thirsty, check out The Penny Coffee House, Sonder Coffee Bar, Theoretically Brewing Company, and Spectrum Ale Works.
There are a lot of natural landscapes to explore in the region. Some of the main attractions are Nikka Yuko Japanese Garden, Henderson Lake Park, Indian Battle Park, Park Lake Provincial Park, and Elizabeth Hall Wetlands.
The city is home to the Lethbridge Hurricanes of the Western Hockey League and other amateur sports teams. If you want to see live music or concerts, check out the local listings at The Geomatic Attic and Enmax Centre.
Lethbridge has a large European community. 30% have English heritage, 23% are German, and 22% are Scottish.
Close to 13% of the population are immigrants and 2.3% are recent newcomers to Canada. So, the city is becoming more diverse as a higher number of immigrants move to the area. The most common minority language spoken in the city is Spanish.
The largest visible minority group is South Asian. They make up 2.3% of the population. Others include Black (2.1%), Filipino (1.9%), Latin American (1.7%), and Chinese (1.4%). 7.1% of the population are Aboriginal.
Two-thirds of residents identify as Christian. 32% of residents do not have a religious affiliation. The remaining residents are a combination of Buddhists, Sikhs, Muslims, Jews, and Hindus.
Lethbridge has a semi-arid climate. It is known for its warm summers and mild winter weather because of its southern location in the province. The city has one of the lowest amounts of precipitation in the country. It has an average high temperature of 26 degrees Celsius in July and August and an average low of -12 degrees in January.
Even though it’s not as diverse as other Canadian cities, Lethbridge has much to offer newcomers. The city is actively seeking newcomers to fill many open job positions. So, you’ll be able to quickly find work. There are many affordable housing options, so you will have no trouble finding a place to live, making your transition easy.
There are not a lot of significant disadvantages to moving to Lethbridge. It’s a smaller city and it is somewhat remote. So, if you want to live in a big city, this is not the place for you. The economy is not as diverse as in other regions, but there are still ample opportunities in a variety of fields.
There are a lot of attractive features that make Lethbridge an ideal location to live. It has a low cost of living and much more affordable rental and real estate costs compared to other parts of the country. It also has a strong economy and education system.
The decision to move to Canada can be life-changing. But the country is a big place and there are a lot of potential cities you could choose to call home. The city you select will play a big part in your financial success and how your life will unfold in the future. Calgary, Alberta is one of the many major cities in Canada to consider.
Is Calgary the right city for you? Maybe or maybe not. Researching each potential landing spot for you is essential. You need to be aware of the local job market, and housing options, and decide if it makes sense for your family.
Prepare for Canada can guide you with helpful information about living in Calgary.
Calgary is a diverse and prosperous city in the province of Alberta. It sits in the foothills of the Rocky Mountains, where the Bow and Elbow rivers meet. Calgary enjoys more days of sunshine than any other major Canadian city and is less than an hour’s drive from the majestic Rockies. It offers fresh air, open spaces, parks, pathways, and mountains and rivers.
The city’s roots date back to 1875. It officially became a town in 1884. Today it is the largest city in Alberta and the third-largest in Canada. Calgary is also the third-most ethnically diverse city in all of Canada. It has residents from over 200 ethnic backgrounds. It has one of the highest visible minority rates in Canada, behind only Toronto and Vancouver. Most Calgary residents are of European origin. Many immigrants are attracted to Calgary’s low tax rate, strong oil and gas industry, agriculture industry, and the lifestyle it offers.
Calgary is a large city. The Calgary Census Metropolitan Area (CMA) population is about 1,581,000 as of 2021. The CMA includes the City of Calgary and its suburban areas. There are over 400,000 immigrants who call the city home.
It has one of the fastest growth rates in Canada. The city experienced a population growth of 5.5% from 2016 to 2021 and it continues to rapidly grow.
The city is recognized as the capital of the Canadian oil and gas industry. It is home to many of Canada’s oil and gas producers and is the decision-making hub and head office location of every energy company doing business in this country. As well, Calgary is becoming a global energy centre, with companies and organizations working in alternative energies, green power, and environmental technologies. Many financial businesses have grown up around these energy companies. Small business and self-employment levels also rank among the highest in Canada.
Calgary is focused on the digital transformation of its industries. From 2021 to 2024, businesses in the city will spend an estimated $7.5 billion across all industries on digital transformation.
The main sectors include:
Calgary is known for its large oil and gas employers such as BP Canada, and Imperial Oil. The other top employers in the region include:
Search for jobs through local recruiters such as BOWEN Group, About Staffing, Randstad Canada, Manpower, and TAG Recruitment Group Inc.
Securing a job and creating a career plan is vital for new immigrants. But you also need to find somewhere to live in Calgary. There are plenty of housing options in Calgary. Renting a place is your first housing priority, especially if you are not yet ready to buy your first home in Canada.
Home purchase costs are less than in cities like Vancouver or Toronto. But, Calgary is still expensive. Rental prices are coming down but are still high compared to smaller or mid-sized Canadian cities.
Where you choose to live within the city can have a large financial difference. Neighbourhoods such as Bayview, Parkdale, Roxboro, and Elbow Park are expensive. The more affordable areas include Deer Ridge, Renfrew, Evanston, Rocky Ridge, and Coach Hill.
Rental rates are higher than the provincial average in Alberta. You can expect to pay anywhere from $1,000 to $1,700 or more. The average apartment for rent in Calgary is $1084 for a Bachelor, $1178 for a 1 Bedroom, $1460 for a 2 Bedroom, and $1698 for a 3 Bedroom.
The top areas to look for rental units include Castleridge, Mission, Cambrian Heights, Erlton, Whitehorn, and Highwood.
Use Rentals for Newcomers to search for available rental units in Calgary. Here, you can also find current rental prices in Calgary.
Buying a home in Calgary is considerably more affordable than buying in Ontario or British Columbia. But it is still more expensive than in other cities across Canada.
According to Royal LePage, the average cost to buy a home in Calgary increased by 9.9% year over year in 2021. The median home price in Calgary is $572,200 (Q3, 2021). This is lower than the average price in the country. The median price to buy a detached single-family home is $643,700.
The median price to buy a condo is $225,800. This is a more affordable choice for new immigrants who are first-time home buyers.
Calgary is located along the Trans-Canada Highway and Highway 2. It is a hub that is part of the CANAMEX corridor. There is a lot of commercial traffic in the area. The city uses a numbered street system on a grid; streets run north-south, while avenues run east-west. The street numbers radiate outwards from the city centre.
Calgary Transit offers public transit services across the city with buses, shuttle buses, and light rail (C-Train). The light rail network is the backbone of the system. The convenient system can serve all of your transit needs, is cost-effective, and helps keep the city green.
Calgary International Airport (YYC), in the city’s northeast, is a transportation hub for much of central and western Canada. The city’s presence on the Trans-Canada Highway and the Canadian Pacific Railway (CPR) mainlines also make it an important hub for freight.
Calgary is one of the most diverse cities in Canada. It welcomes newcomers from different countries around the world. Newcomers can access many services and programs to help adapt to the region. You can get support for moving, finding housing, job searching, language skills, and more.
Immigrant Services Calgary is a top resource for immigrants coming to the city.
Other top organizations to use include the Centre for Newcomers, the Calgary Catholic Immigration Society, the Calgary Immigrant Women’s Society, and The Immigrant Educational Society. Click here for a full list of support services.
Immigrant Services Calgary offers a variety of free language support services for immigrants. You can also get language support from other organizations. They include YWCA Calgary, CIWA, and Language Instruction for Newcomers to Canada (LINC) through The Immigration Education Society.
All local banks, credit unions, and other financial institutions in Calgary have programs to help newcomers. You can open a bank account, get a credit card, or line of credit, and apply for a mortgage. Visit a local bank branch to start the process.
Calgary offers a wealth of school options: public, Catholic, francophone, bilingual, language immersion, private, charter, religious, sports, arts, music, and science-focused.
The city also offers childcare and preschool options. If you have a lower income, you may be eligible for government help to cover childcare costs. To find Calgary daycares, pre-schools, family day homes, out-of-school care, or group family child care, the government has a great child care search tool.
As home to more immigrants than any other community in Alberta, Calgary offers many English as a second language (ESL) schools in the city. Most immigrant-serving centres and organizations also provide ESL classes, while there are programs for younger students within the public and Catholic school systems.
There are more than 100,000 children enrolled in 247 schools, including 27 senior high schools, run by the Calgary Board of Education.
Close to 59,000 students in 11 schools are enrolled through the Calgary Catholic School Board. This included 14 high schools and elementary and elementary junior high schools.
Calgary offers a variety of post-secondary education options. The University of Calgary is the largest school in the city. Other schools include Mount Royal University, SAIT, and Athabasca University (online). Other colleges have campuses in the city.
Read more about education in Canada:
Schooling in Canada | A Look at the Education System
Higher Education Offers Benefits to Newcomers
Calgary has four major adult acute care hospitals and one major pediatric acute care site: Alberta Children’s Hospital, Foothills Medical Centre, Peter Lougheed Centre, Rockyview General Hospital, and South Health Campus. It is also home to the leading Tom Baker Cancer Centre.
In addition to these centres, you will find other care centres and hundreds of smaller medical and dental clinics in the city. Residents can buy private health insurance for prescription drugs and services not covered through Alberta Health Service.
In case of an emergency call 9-1-1. This emergency number is the same across Canada.
One of the first steps take after arriving in Calgary is finding a family doctor. The College of Physicians and Surgeons of Alberta provides an online search tool to find a doctor in Calgary.
If you are unable to find a family doctor, you can go to one of many general non-emergency walk-in clinics in the city. Get more information about health care in Canada: Steps to Access Free Health Care in Canada
Calgary is a unique city. It’s modern but still has roots in cowboy culture. The city is best known for the Calgary Stampede, an annual event occurring each July since 1912. It is one of Canada’s largest festivals, with over 1 million people visiting it each year.
Due to its proximity to the Rocky Mountains, the city has traditionally been a popular destination for winter sports. After hosting the 1988 Winter Olympics, Calgary is home to several major winter sporting facilities such as Canada Olympic Park and the Olympic Oval.
Calgary is the site of the Southern Alberta Jubilee Auditorium performing arts, culture, and community facility, which is the resident home of the Alberta Ballet Company, the Calgary Opera, and many other cultural ceremonies. The city is also home to several theatre companies.
Calgary hosts annual festivals and events, such as the Calgary International Film Festival, the Calgary Folk Music Festival, Wordfest: Banff Calgary International Writers Festival, Expo Latino, Calgary Pride, and other cultural and ethnic festivals.
The city has many multicultural areas where you can find ethnic restaurants and stores. Downtown Calgary is the prime destination for restaurants and nightlife.
The city has many urban parks including Fish Creek Provincial Park; Bowness Park, Edworthy Park, the Inglewood Bird Sanctuary, Confederation Park, Prince’s Island Park, and Nose Hill Park, the largest municipal park in Canada.
Calgary is an Olympic city. It is home to the Calgary Flames hockey team and the Calgary Stampeders football team. The city regularly hosts international winter sporting events at its Olympic facilities. The city is also a regular stop for international musicians and events.
Calgary is one of the most diverse cities in Canada. More than 400,000 immigrants live in the city (2016 Census) and this number continues to climb. More than 20,000 new immigrants move to this city each year.
Immigrants account for one-third of the workforce in the city. More than 40% of newcomers work in manufacturing. Immigrants account for 42% of all workers in tourism, accommodation, and food services.
60% of Calgary’s population has European heritage. Other well-represented minorities include South Asian (9.5%), Chinese (6.8%), Filipinos (5.5%), Caribbean (5.4%), and Middle Eastern (3.5%) About 4% of the population in the city have Aboriginal heritage.
In keeping with the multicultural makeup of Calgary, the city is home to many faith communities. To find places of worship, click here.
Close to the Rocky Mountains, Calgary experiences a dry, humid continental climate, with long, cold, dry, but variable winters, and short, moderately warm summers.
The city is among the sunniest in Canada with an average of 332.9 days of sunshine. Even on cold, snowy days, you can feel the warmth of the sun. The average temperature ranges from a January daily average of −8.9 °C to a July daily average of 16.2 °C.
The chinook is a distinctive characteristic of the Calgary winters which can be uncomfortably cold sometimes. The Chinook is a warm, moist wind from the Pacific Ocean that may raise the temperature by as much as 15 degrees in a few hours.
Calgary is one of the top cities to live in Canada. It is consistently ranked as one of the most livable cities in the world. It has a diverse population and economy. Housing prices are considerably more affordable than in other major cities in Canada and around the world, and you have access to quality academic institutions. It is an Olympic city with close access to some of the most beautiful landscapes in the world.
It depends on many unique factors. Calgary could be a better choice for you, or it may not. Your career aspirations, job opportunities, financial situation, and other things must be considered. Take time to compare what Edmonton has to offer before you make a final decision.
There are advantages to choosing to move to Calgary. The most notable are affordable housing, low sales tax, and job opportunities and it is an outdoor lover’s paradise. The most commonly cited drawback of moving to Calgary is the weather. It gets extremely cold during the winter and the region is known for extreme weather events such as forest fires and flooding.
Many newcomers are drawn to Toronto, Canada’s largest city and the most diverse in the world, for its exciting atmosphere. However, the cost of living in Toronto is high. Making the right choice about where to live is crucial for your career and finances. You’ll need to compare Toronto’s job market, career prospects, housing options and costs, and quality of life with other locations in the Greater Toronto Area (GTA) and across Canada. Discover what to know about living in Toronto to help you make an informed decision.
Toronto is the financial capital of Canada and the second-largest financial services center in North America. About 40 percent of Canada’s business headquarters are here, including the country’s largest banks. Toronto is the capital of the Province of Ontario and is located on the north shore of Lake Ontario.
It was settled in 1750 as Fort Rouille, established as York in 1793, and incorporated as Toronto in 1834. The city amalgamated with neighbouring towns in 1953 as Metro Toronto. In 1998 it amalgamated as the City of Toronto with much great development since then.
Known as the ‘city of neighbourhoods’ Toronto has more than 240 neighbourhoods across six local boroughs: : East York, Etobicoke, North York, Old Toronto, Scarborough, and York.
The population of the City of Toronto topped 3 million in 2024. The Greater Toronto Area (GTA) population is approximately 7.1 million.
The GTA includes the City of Toronto and four regional municipalities:
Halton Region includes: Burlington, Oakville, Milton, and Halton Hills.
Peel Region includes: Brampton, Mississauga, and Caledon.
York Region includes: Aurora, East Gwillimbury, Georgina, King, Markham, Newmarket, Richmond Hill, Vaughn, and Whitchurch-Stouffville
Durham Region includes: Pickering, Ajax, Whitby, Oshawa, Clarington, Uxbridge, Scogog, and Brock.
Toronto, a multicultural city with world-class amenities including education and healthcare, provides ample opportunities for career advancement. However, the high cost of living and traffic congestion might deter those who prefer a slower pace or smaller community.
Toronto is the most diverse city in Canada with a strong support system for newcomers, including settlement services. You will have access to resources, local ethnic communities, and services to ease your transition to Canada. This makes it an ideal city for newcomers.
It’s expensive to live in Toronto. But, it offers more job opportunities than other cities in Canada. It is an ideal location for career-focused individuals. There are many business opportunities, and the city is economically stable. However, you have to earn a high salary to live comfortably.
Toronto’s diverse economy offers business and professional opportunities in everything from technology to green energy, film, retail, and financial services. It is Canada’s business and financial capital and the second-largest financial services centre in North America.
Toronto-based businesses export over $70 billion in goods and services to every corner of the globe with retail sales of $62 billion annually. The city’s economy relies on innovation and new ideas to create economic wealth.
Key industries are:
This city is home to major employers in many industries. Some of the top employers in the region are:
The city is also home to 9 of Canada’s 10 largest law practices, 9 of the top 10 accounting firms, and all 10 top human resources and benefits firms.
Approximately 35% of jobs are in downtown Toronto across all sectors including finance, technology, retail, and service. Toronto is North America’s fastest-growing tech market, offering unique career opportunities.
Toronto’s thriving tourism industry accounted for $9 billion in 2024. With hundreds of conferences, concerts, and events, there are many hospitality and customer service jobs.
While wages are higher than anywhere else in Canada, so is the cost of living in Toronto. Research the cost of living, salary estimates for your occupation, and housing prices to ensure you can live comfortably.
Local recruitment agencies such as Randstad Canada, IQ Partners, and Motion Recruitment, can help you when you arrive in Canada.
Where you live is one of the biggest decisions you’ll make when you move to a new city. It’s important to consider cost and availability. Because it’s expensive to live in Toronto, given the high cost of housing, many people choose to live in surrounding cities in the GTA.
While many newcomers want to live in Toronto for convenience and lifestyle, it comes with higher rental and home-buying prices. Living further from the downtown core means you’ll likely be able to afford a larger home in a quieter setting. But, if you work downtown, your daily commute will be longer.
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 WEBINARRentals for Newcomers and other websites can help you search for rentals and research current prices in Toronto. As of February 2025, the average cost to rent an apartment or condo in Toronto is $2,364 for a 1-bedroom, $3,084 for a 2-bedroom, and $3,642 for a 3-bedroom.
Buying a home in this city is expensive and prices continue to rise. Toronto has always had some of the highest real estate costs, and low housing supply is increasing prices.
| Type of Home | Average Price | % Change from Jan 2024 |
|---|---|---|
| Single-Family Detached Home | $1,377,430 | + 2% |
| Semi-Detached Home | $1,047,728 | +0.9% |
| Townhouse | $983,856 | + 2.1% |
| Condos | $970,675 | -1.7% |
Source: WOWA, January 2025
When buying a home, consider these first-time home buyer tips for newcomers.
Toronto has the busiest roadways in North America. It is the main hub for road, rail, and air transportation. It has an extensive highway system with over 400,000 vehicles using Highway 401 and roughly 2.5 million daily commuters.
There are six major highways:
Drivers must know how to drive safely in winter and on highways with high traffic volumes.
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Toronto residents can travel within Toronto and to other GTA cities using public transit including subways, Rapid Transit (RT), buses, streetcars, and GO trains.
The Toronto Transit Commission (TTC) operates the transit system. The Toronto Streetcar system is North America’s largest and busiest light-rail system.
GO Transit operates a regional transit service within the GTA. Public transit offers a great alternative to buying and operating a car in Toronto. Many people in Toronto prefer public transit to reduce travel time and avoid road congestion.
Public transit costs vary based on the mode of travel and distance. Learn more about Public Transit in Toronto.
Pearson International Airport (YYZ) located in Mississauga along Highway 401 is one of the busiest in the world. Toronto is also home to Billy Bishop Toronto City Airport (YTZ). All airports are accessible using public transit.
Many settlement agencies can help newcomers adapt to life in Canada and Toronto. Settlement agencies can help you find a house, job, childcare, and get information about healthcare and social services.
There are hundreds of settlement agencies in the Greater Toronto Area. To find one close to your home, click here. Learn more about services in Canada to help newcomers settle.
The city is a mosaic of more than 150 languages spoken daily. Over 30% of Toronto residents speak a language other than English or French at home. There are hundreds of ethnocultural organizations, including professional associations and community centres in the city.
3-1-1 is a special telephone number for non-emergency municipal services and offers information in more than 180 languages. The City of Toronto website provides information in more than 50 languages.
All banks in Toronto have programs to help new immigrants open a bank account get a credit card, or mortgage, and learn about financial services and products. You can open a bank account before arriving in Canada.
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The City of Toronto offers many education options including licensed child care centers, public, Catholic, francophone, bilingual, language immersion, private, and religious schools.
Toronto also has threee universities and five colleges that offer training for almost every profession and skill. If you are looking for child care services, click here to find licensed child care centres.
Education in Canada is mandatory for children between five and 16 and they can attend public or private schools.
There are 583 public schools within the Toronto District School Board and 195 schools in the Catholic District School Board. French-language public education and private schools are also an option. Discover more about schooling in Canada and how to register your children.
Toronto is a Canadian leader in the number of post-secondary schools and graduates with more than 15,000 medical/ biotech researchers, two top-ranked MBA schools, and excellent engineering, computer sciences, and multi-media programs.
Universities include Ryerson University, York University, University of Toronto, and OCAD University. Colleges include Centennial College, George Brown College, Humber College, and Seneca College.
There are over 30 hospitals located across the city. Toronto General Hospital is ranked as one of the top hospitals in the world. Toronto has one of the highest standards in the world for healthcare and medical services. The city has world-class hospitals, medical communities, and research facilities.
In case of an emergency call 9-1-1. This number is the same no matter where you live in Canada.
Toronto residents are eligible for Ontario Health Insurance Plan (OHIP). This provincially-funded medical plan supplies free, essential hospital and medical care to permanent residents in Ontario.
Applying for the OHIP card is one of the first things you do when you arrive to ensure you and your family receive vital health care. You can buy private health insurance to cover the waiting period for the provincial healthcare program, or for medication and services that Ontario Health does not cover. Some people have third-party health insurance through their employer benefits packages.
Finding a family doctor is a crucial step to ensuring your health and well-being. Register with Health Care Connect to search for a family doctor. You may be put on a waiting list.
If you are unable to find a family doctor, you can go to one of many non-emergency walk-in clinics in the city. Get more information about health care in Canada: Steps to Access Free Health Care in Canada
As the biggest city in Canada, Toronto has something to offer everyone. Whether you are a foodie, or sports fanatic, love art, music, theatre, or the outdoors, you’ll find many things to do in the city. There is always something going on. And, you can often find many free events or low-cost activities.
There are many world-class attractions in the city. Some top places to visit include Ripley’s Aquarium of Canada, CN Tower, Royal Ontario Museum, Art Gallery of Ontario, Toronto Zoo, and Eaton Centre.
The city is also home to events such as the Toronto International Film Festival (TIFF), Canadian National Exhibition, Luminato, Nuit Blanche, Caribbean Festival, Toronto Pride, and many more.
Toronto has restaurants galore. Some of the best places to eat are in the Distillery District, Dundas Square, and Queen Street West. You can wander through Kensington Market and St. Lawrence Market to sample food, shop, and more. The Entertainment District, King West, and many other locations throughout the city offer you all types of bars, pubs, and clubs.
Even though it’s an urban city, there are still a lot of outdoor activities. You can walk along the Harbourfront, visit Toronto Island, High Park, Scarborough Bluffs, and many other parks throughout the city. It offers ample green space, over 1,600 parks to explore, and beautiful beaches on Lake Ontario.
Toronto is a sports city. It is home to the Maple Leafs of the National Hockey League, the Raptors of the National Basketball Association, the Blue Jays of Major League Baseball, Toronto FC of Major League Soccer, and the Argos of the Canadian Football League. And, it’s home to the Hockey Hall of Fame.
The city is also a music hub. From small gigs in bars to concerts for 50,000 people, it has it all. Roy Thompson Concert Hall is home to the Toronto Symphony Orchestra. You can also enjoy outdoor concerts by the lake at the Budweiser stage, see top artists in Scotiabank Area, and local acts at music clubs throughout the city.
Toronto is the most culturally diverse city in Canada. Each year tens of thousands of newcomers move here from around the world. In 2021, there were 1,286,140 immigrants, or 47% of the population.
The top represented ethnicities are: China (10%), Philippines (9%), India (6%), Sir Lanka (4%), Italy (4%), and Jamaica (4%). United Kingdom, Hong Kong, Portugal, and Guyana are 3% each. The top three countries for recent immigrants are the Philippines, China, and India. More than 23,000 residents identify as Aboriginal, 86% are First Nations, and 14% are Metis.
As a diverse city, there are many places of worship in Toronto to practise your religious beliefs. Though all Toronto neighbourhoods have sacred spaces for believers to gather, certain city regions have a larger number of religious communities than others. The main religions that people follow in the city include Christianity, Muslim, Hinduism, Judaism, and Buddhism.
Toronto has a moderate climate because of its location on the shores of Lake Ontario. The area has four distinct seasons:
Spring is a rainy season. The average temperature is about 12°C in March, April, and early May.
Summer begins on June 21, but July and August are the warmest and most humid months with daytime temperatures usually above 20°C and often rising above 30°C.
Fall has cooler weather and it rains often. Average temperatues are about 10°C to 12°C.
Winter is cold and it snows often. The snow stays on the ground for weeks or months. The t From December to February, the temperature is usually below 0°C, day and night. Temperatures can drop below -25°C.
Those who live in Ottawa love it. If you are moving to Canada, it is a top city to consider. As the Nation’s capital city, Ottawa, Ontario offers many career options to help you succeed financially once you arrive.
Where you decide to live in Canada will have a significant impact on your future. So you need to research what the city has to offer. It’s important to think about the housing market and your career options, and how they will affect your family and lifestyle. Ottawa is a large and diverse city in Canada, which is one reason why new immigrants select it as a preferred destination. This overview of living in Ottawa can help you decide if it will meet your personal and professional needs.
Ottawa is the capital of Canada and the city plays a vital role in Canadian history. Canada’s Parliament building towers over the city, which, along with the famed Rideau Canal, makes it a picturesque place to live.
The city is located in Eastern Ontario, and it borders Gatineau, Quebec. Gatineau is on the north bank of the Ottawa River and together they form the National Capital Region (NCR). It is also between Toronto and Montreal, and north of the eastern United States. The city was founded in 1826 as Bytown and incorporated as Ottawa in 1855. It was named the capital of Canada with Confederation in 1867.
Ottawa’s multicultural and bilingual populations make it appealing to new immigrants. About 50 percent of its residents speak English and 30 percent speak French. The remaining 20 percent speak other languages.
Ottawa is also appealing to newcomers because of its economic strength. As home to the Federal Government, it offers many career options in government and the tech sector. It is truly an international and a great city to raise a family.
Ottawa is the second-largest city in Ontario and the sixth-largest city in Canada. It has a population of 1,017,449 (2021 census). The Ottawa-Gatineau metropolitan area has over 1.4 million residents.
Ottawa has a young and diverse population. Over 65 percent of residents are between 18 and 49. There are over 200,000 people (23% of the total population) who were born outside Canada that call Ottawa home.
With the highest-educated workforce in Canada, Ottawa has more engineers, scientists, and PhDs per capita than any other city in the country. It also has Canada’s highest due to a booming public sector and high-tech industry. The unemployment rate is stable and is usually below the national average.
Ottawa has a strong economy and offers a variety of job opportunities for people with diverse backgrounds and interests.
Key industries in Ottawa include:
Ottawa is home to major technology and healthcare companies. The Federal Government is the leading employer in the region. The following are some of Ottawa’s top employers in 2024:
Adobe Systems Canada Inc.
Bank of Canada
Canada Revenue Agency (CRA)
CBC / Radio-Canada
Health Canada
Hydro Ottawa
The City of Ottawa
The Royal Canadian Mint
Statistics Canada
Trend Micro Canada Technologies Inc.
Ottawa has consistently seen higher job growth than other Ontario cities. It has an unemployment rate of 4.9% (as of March 2024). This is lower than the national average of 6.1%.
The city’s top industries continue to experience the most growth. Industries that are hiring in the region include:
Some local recruitment agencies to help with your job search include Randstad Canada, LRO Staffing, Advantage Group, Keynote Search, Aerotek, and TH Employment Solutions.
While finding a job in Ottawa is an important first step, so is finding a place to live. For new immigrants, it’s common to take up short-term housing or rent an apartment before buying a home.
There are plenty of housing options in the Ottawa region. Housing costs across Ontario are on the rise. Similar to other Ontario cities that you may be considering, Ottawa housing costs are increasing. Fortunately, the cost to buy a home in Ottawa is more affordable than in other larger cities such as Toronto. As always, the neighbourhood you choose to rent or buy will dictate the cost.
New immigrants have many rental options. You can find places to rent across the city. Ideally, you want to find a place that is close to your job, place of worship, schools, shopping, transit, and other important locations.
These are considered the best locations to live for renters:
Find out more about the most popular and Best Ottawa Neighbourhoods for Renting.
To search for available rental units and current prices in Ottawa, check out Rentals for Newcomers!
As of March 2024, the average cost is $2,043 for a 1-bedroom apartment, $2,508 for a 2-bedroom, and $2,731 for a 3-bedroom apartment. Location, size, and amenities all affect the cost of a rental unit.
Most property owners request tenants to buy renter’s insurance as part of their lease agreement. Even if they don’t require it, insurance is beneficial to protect your family, personal belongings, and finances.
Ottawa’s housing market offers newcomers different housing options. For example, about 40% of properties are detached homes. The remaining are townhomes, semi-detached houses, condos, and apartments.
The cost to buy a home is on the rise in Ottawa. According to Royal LePage, the average home price in Ottawa is $757,700 in the first quarter of 2024. This is a year-over-year increase of 4.4 percent.
The median price of a single-family detached home increased by 4.5 percent over last year to $869,300. The median price to buy a condo increased by 4.6 percent to $401,500.
These numbers are still below the national average and remain more affordable than the housing market in the Greater Toronto Area and Vancouver. To buy a home, contact a realtor in the area who will guide you through the home-buying process. Find out more about buying your first home in Canada: First Time Home Buyer: Newcomer Tips
Highway driving is a vital skill for Ottawa residents. Commuting from neighbouring communities into the city is common. The region has several highways including Highway 417 (part of the Trans-Canada Highway), Highway 416, and Highway 401. The city also has parkways, including Queen Elizabeth Driveway, Rockcliffe Parkway, and Aviation Parkway
Winter weather can create difficult road conditions. So if you haven’t driven in winter weather before, it’s helpful to learn how to drive in snowy conditions. The minimum age to get a driver’s licence is 16. All drivers must complete the graduated driver’s licence process. To get a commercial driver’s licence in Ontario you will need a Class A or Class D licence. Read more about Driving in Canada: 10 Essential Facts to Know.
OC Transpo operates public transit in Ottawa. The rapid transit system consists of buses and light and medium rail lines. Bus services run seven days per week and connect to all major neighbourhoods in the city as well as Gatineau.
Find out more about driving in Canada:
Getting Your Ontario Drivers License
Driving Test in Canada: A Full Guide
Tips for Winter Driving to Ensure Your Safety
Ottawa is commonly regarded as the best place to live in Canada. Part of this has to do with its diverse and multicultural population and how the city supports newcomers. The city offers many settlement services for newcomers.
In addition to the Newcomer Information Centre, other agencies include Ottawa Community Immigrant Services, Immigrant Women Services Ottawa, Catholic Immigration Center, and Hire Immigrants Ottawa. For information about settlement services in the Ottawa area, click here. Read more about Services in Canada to Help Newcomers Settle.
Several organizations in the city offer language support services to newcomers and anyone looking to improve their English or French speaking skills. They include the IWSO Language Services Ottawa, Language Interpretation Services (ONHC), and YMCA Language Assessment and Referral Centre. Language classes are also funded by the Government of Canada.
All local banks in Ottawa have programs to help new immigrants. They can help you open a Canadian bank account. Banks can also help you get a credit card, line of credit, and a mortgage, Visit a local bank branch to start the process.
Get more banking tips for newcomers:
How Much Money Will I Need to Move to Canada
Top 10 Financial Steps to Take Before You Leave for Canada
Move to Canada | Transferring Cash & Valuables
Open a Bank Account Before Arriving in Canada
Ottawa offers high-quality English and French education in public, Catholic, and private school systems. The government pays for public elementary and secondary school education. However, if you enroll your children in private schools, you will have to pay tuition fees. Ottawa’s colleges and universities offer specialized learning for adults and high school graduates.
Ottawa is unique because they have four school boards: English, English-Catholic, French, and French-Catholic The largest is the Ottawa-Carleton District School Board (OCDSB) with 147 schools. In total, there are 318 schools, including 65 high schools in the city. There are also several private schools.
Ottawa has two universities and two colleges:
University of Ottawa offers more than 300 programs in 10 faculties and is North America’s premier bilingual university.
Carleton University offers over 200 programs in 47 departments, including public affairs, journalism, film studies, engineering, IT, and international studies.
Algonquin College offers more than 100 full-time programs.
La Cite collégiale offers 70 full-time college programs in areas such as administration, media and communications, health, technology, hospitality and tourism, community services and trades.
The city also has two Catholic universities – Dominican University College and Saint Paul University.
Read more about education in Canada:
Schooling in Canada | A Look at the Education System
Higher Education Offers Benefits to Newcomers
In case of an emergency call 9-1-1. This number is the same no matter where you live in Canada. There are four hospitals in the region: Queensway Carleton Hospital, The Ottawa Hospital, Montfort Hospital, and Children’s Hospital of Eastern Ontario. As well, there are several specialized hospitals and clinics in the region.
Ottawa residents are eligible for the provincial public health program, Ontario Health Insurance Plan (OHIP). It covers a range of medical services, including check-ups with your family doctor or at walk-in clinics, hospital visits, eye exams, and vaccines. However, OHIP does not cover the cost of prescription drugs.
As a newcomer to Ontario, you can apply for OHIP as soon as you arrive.
For prescription medications and services that OHIP does not cover, you can buy private health insurance. When you secure a job, your employer may offer insurance for you and your family.
Newcomers need to find a family doctor. They can supply medical advice, write prescriptions, and refer you to specialists. To find hospitals, doctors, and dentists in Ottawa, visit Health and Support Services. Get more information about health care in Canada: Steps to Access Free Health Care in Canada
Ottawa has many cultural attractions, including galleries, museums, and festivals. As well, Ottawa has many recreation facilities throughout the city including multi-purpose facilities, seniors’ centres, parks, tennis courts, basketball courts, arenas, and outdoor rinks. One of the greatest winter activities is skating on the Rideau Canal. You can rent skates, and skate the longest outdoor rink in the world! Winterlude is an epic Canadian winter festival that occurs each year during the first three weeks of February.
As a top tourist destination in Canada, there is much to see and do. Some of the most popular attractions include Parliament Hill, The Canadian War Museum, National Gallery of Canada, Peace Tower, Canadian Museum of Nature, and the Canada Aviation and Space Museum.
The city also hosts many festivals and events throughout the year. The most popular include the Canada Day celebration, Canadian Tulip Festival, Ottawa Dragon Boat Festival, Winterlude, and other events at the ByWard Market.
Ottawa has a bit of everything. With a diverse population, you can experience food from virtually every culture you can imagine. This city has countless great restaurants, pubs, and nightclubs. ByWard Market, Elgin Street, Little Italy, and Chinatown are popular destinations. You also have the choice to cross over to Quebec and visit Hull and Gatineau.
Ottawa lies on the Southbank of the Ottawa River. In terms of nature, it is perhaps best known for the Rideau Canal. Other top nature destinations in the region include Gatineau Park, Rideau Falls, and Hog’s Back Falls.
Ottawa is home to the Senators of the National Hockey League (NHL). The Ottawa Redblacks of the Canadian Football League (CFL), also call the city home. There are also other minor pro leagues, minor league, and collegiate sporting teams in the area.
If you love music, Ottawa is a great place to live. In addition to hosting top international artists throughout the year, it also has world-class music festivals such as Bluesfest and the Ottawa International Jazz Festival.
Ottawa is a proud multicultural city and reflects the rich cultures and traditions of both English and French Canada. About 50 percent of residents speak English and 30 percent speak French. The remaining 20 percent speak other languages.
More than 200,000 immigrants call the city home. Of these residents, 45% are from Asia and the Middle East, 26% are from Europe, 14% are from Africa, 11% are from Central and South America, and 4% are from the United States.
14% of residents state their mother tongue is French. 22% have a primary language other than French or English.
As a diverse city with a large immigrant population, people practice different faiths in Ottawa. About 65% are Christian. 6.7% are Islam, and 1.4% are Buddhist.
The city has a humid continental climate. Being in the northeastern part of Ontario, Ottawa is known for its very cold winters. It averages about 88 inches of annual snowfall. Temperatures can reach -20 degrees Celsius or below. The wind chill can make it feel even colder. The coldest month of the year is January. The average temperatures range from -5 C to -14 C.
The good news is the spring and summer months warm up considerably. You can expect daytime highs averaging about 25 C from June to August.
Ottawa is consistently ranked as the best place to live in Canada as well as one of the best 100 cities in the world. Its diversity, strong economy, schools, and Canadian history make it a great place for newcomers. It also ranks as the best place to live for new immigrants to Canada.
Absolutely. Ottawa is an excellent location for immigrants to live. The city is clean, friendly, and culturally diverse. It has a good transit system, is great for pedestrians, and offers many housing options. The city has a world-class education system and is home to the Federal Government. Perhaps most important for newcomers, it offers a range of career opportunities.
Ottawa can be an expensive place to live. While it does have slightly lower than average housing prices, rent is higher than in most cities. Food, entertainment, and transit can be more expensive than in a smaller city. But, considering the career opportunities and job prospects, it balances out.
Self-awareness is the key to unlocking a world of job opportunities and leading you to personal and professional excellence. With an increased understanding of your strengths, areas to improve, and values, you can make well-informed career decisions, navigate challenges, and enhance your self-confidence. Self-awareness can also boost your job search and career success. With self-awareness, you’ll have the confidence you need to influence and persuade employers that you’re the right fit for the job. Also, when you have a clear understanding of your personality, it can help you to define what type of work you find most satisfying.
Self-awareness can also provide you with a clear sense of:
This information is essential to showcase your capabilities and strengths on your resume and in job interviews. As well, when you know your strengths, you can use this information to your advantage to prepare for your job search.
The best way to approach a job interview in Canada is to know as much about yourself and your work style.
When you complete the free Drake P3 personality assessment, you’ll receive a profile report that measures five fundamental behavioral dimensions:
With an understanding of these building blocks of your personality, you’ll identify what contributes to your job fit and career success.
Job fit is a measure of what your likes and dislikes in a job and work environment. For example, if you think about a past job where you were highly satisfied, you likely had a strong job fit. That means that there was a high match between your job likes and the degree to which those elements were present.
With self-awareness, you can identify your preferences and search for jobs that provide those elements. For example, you may prefer jobs with a high degree of flexibility and freedom versus jobs that are highly structured. And when there is a great fit, you’ll achieve greater career satisfaction and success!
Job fit is also important to employers. Employers know that when the job fit is high, you will stay with their company and contribute to its success. It’s a win-win situation for you and the employer!
You may have the right skills, knowledge, education, and experience that the job requires, but lack job fit. With the absence of a job fit, employers will be concerned that you will not enjoy the job and you will leave. This can be costly for employers, so that’s why they focus on evaluating job candidates in four key areas:
2. Competencies
3. Experience, and
4. Job fit (personal attributes and motivators).
When you truly understand your personality and key strengths, you set yourself up for personal and career success. You may have completed a personality assessment in the past. If you have, it’s helpful to review it. Again, this is helpful information to have when you are:
If you have not completed a personality assessment, you can complete the Drake P3 Assessment® right now!
Your results from the Drake P3 Assessment® will allow you to know and understand your personality and how you approach your work and colleagues. This is an important first step to achieving career success in Canada.
You can complete the assessment process online in less than 15 minutes and the process is simple.
There are many benefits to having a better understanding of your strengths, and here’s how it can help with your job search efforts:
Some jobs naturally appeal to each of us. And when you truly know yourself, you’ll understand what makes some jobs more attractive than other jobs to you. For example, if you are introverted, you may be more attracted to roles that require less personal interaction. On the other hand, if you identify as extroverted, you’ll likely excel in a job role that requires more interaction with customers, vendors, and other employees.
When you know yourself and your attributes, it can help you to identify roles that will allow you to achieve success. However, you’ll still need to evaluate the role and the company to determine if both are right for you. Each role and company will be unique.
When you know your strengths, you’ll show confidence when responding to questions that speak to job fit. Job fit refers to how well-suited someone is for the position. This is an important aspect that recruiters evaluate because it can reduce costly turnover if someone isn’t suitable for the job. To assess fit, an interviewer may ask: Describe a job you most enjoyed and what you liked about the job.
With self-awareness and a clear understanding of your strengths, you can share elements of the job that aligned with your strengths. For example, someone applying for a sales and marketing role can convey how their strong communication and leadership attributes allowed them to build trusting relationships with clients that led to achieving sales targets. And if these attributes are key components of the job, an interviewer will have greater confidence in their ability and fit for the role.
With self-awareness of your strengths and motivators, you can focus on your strengths to accelerate your career development. Self-awareness is less about fixing flaws, rather it’s about knowing and playing to your strengths. However, if you have a weakness in an area that is critical to the job role, this will likely lead to job dissatisfaction and lower performance. Again, understanding your strengths will allow you to do your best work with confidence and authenticity.
When you complete a personality assessment, you’ll understand your dominant personality strengths and be able to harness them to achieve job search and career success in Canada. It’s an essential first step to unleashing a world of opportunity in your professional and personal growth and development.
For many newcomers buying your first home is a source of pride, satisfaction, and accomplishment! And, buying a home is an investment that grows over time and provides a great financial benefit. But before jumping in, consider these vital first-time home buyer tips!
Buying your first home is expensive and likely the biggest purchase you make in your lifetime. Buying a house in Canada may be different than in your home country from the process to the types of homes, styles, layouts, materials, and costs. Understanding first-time home buyer basics will help you make the right decision.
Take advantage of free tools and resources to research the housing market before you buy a home. Learn about housing price trends, affordability, and mortgage rates. Researching before you buy a home will help you make a confident decision.
You can use online mortgage calculators that give you approximate costs, and monthly mortgage payments.
You can talk to your lender about getting a pre-approved mortgage certificate.
There are many different real estate companies in Canada and agents to choose from.
A real estate lawyer will review your purchase agreement contract. The wording in these contracts is important and your lawyer will ensure everything is done properly in terms of the law.
Plan for your home closing costs or the costs associated with the date you take possession of your home.
Many newcomers arrive in Canada with savings to buy their first home. A 2019 survey conducted by Royal LePage revealed that newcomers represent a growing segment of the Canadian real estate market. Some of the findings showed that newcomers:
Don’t miss this on-demand webinar designed for newcomers! Learn need-to-know insights on buying your first home in Canada with experts David Frattini & Rouska Bodourova. Understand home-buying costs, best mortgage rates, and how Scotiabank’s StartRight® Program can help. Register now and start your journey today!
REGISTER FOR THE WEBINARIt makes sense that newcomers are eager to enter the housing market in Canada. Indeed, owning your own home is exciting for many reasons. Homeownership can be a great investment and a way to build personal wealth. Young families may want more space with a backyard for children to play. Or, buying a home in Canada may be an important part of your immigration dream!
But rarely do people have enough money to buy a house outright. This is where lenders can help you by giving you a loan, also known as a mortgage. But, you will need enough savings to pay for a down payment before you can get approved for a mortgage.
Essentially, a down payment is a portion you put down towards the value of your home right up front. You subtract the down payment from the home purchase price and supplement the remaining cost with a mortgage. You may have to build your savings if you don’t have enough for a down payment.
In addition to saving money for a down payment, there are other costs to pay such as closing costs. It’s important to factor in the closing costs because they can be expensive and often take first-time homebuyers by surprise. So before you rush into buying a home, it’s important to understand all the costs involved for a first-time home buyer in Canada.
If you have recently arrived in Canada, you’ll discover many exciting things in the city you have landed in. You may love the city and want to make it your home. On the other hand, you may learn that it’s not quite what you had expected. Or, you may land a job in a different city and want to relocate to another region or city in Canada. When you first arrive in Canada, it’s best to continue renting until you’re certain where you want to live long-term. Resettling is expensive.
Renting a home versus buying a home makes sense if you:
A large advantage of buying a house is the sense of pride that comes from owning your home in Canada. In addition, you become a part of a community where you know your neighbours and gain a sense of belonging. And most importantly, you’ll gain financial benefits when you:
In general, it makes sense to buy a home if you plan to remain in the city for five years or more.
Before becoming a first-time homebuyer, you must prepare to meet new financial obligations. These are three important steps to take before you buy a home:
When buying a house as a newcomer, you must build your credit history in Canada. You can build credit by applying for a credit card or a small loan and making regular payments.
Most importantly, you need to save for your down payment. However, you can own your home in Canada with as little as just a five percent down payment and mortgage insurance.
Another important requirement for first-time home buyers is financial stability. You need financial discipline when you buy a home. For example, save money for an emergency fund for unexpected expenses such as a leaky roof, basement flooding, or a burst pipe. Any of these expenses could cost thousands of dollars.
The minimum down payment in Canada is the percentage of the home’s purchase price. And depending on the house price, the minimum down payment amounts vary.
For example, the minimum down payment is:
Until you have enough money for the down payment, continue to rent.
In addition to thinking about financial first steps, you’ll also need to consider other practical questions such as:
As a guideline, financial experts state that you should not pay more than 30% – 35% of your total household income for housing and home-ownership costs such as:
But, that’s a guideline. You may decide to budget more for housing or, cut back on other expenses such as entertainment or dining out.
A mortgage pre-approval means that a lender has stated that you qualify for a mortgage loan based on your current income and credit history. The pre-approval will indicate the:
The lender will assess your financial situation and determine how much they are willing to lend. This will give you confidence when choosing which homes to consider buying. It will also help when you make an offer on a property because the buyer knows you are serious and able to purchase.
When you’re ready to search for a home, you need to consider:
With answers to these questions, you can narrow your search to find the ideal home for your needs. You can also provide this information to your realtor who can help you find your ideal home in Canada. Realtors are trained and licensed to help you find and buy a resale property. You may choose an agent who has sold other properties in the areas that you are considering. Or, you may choose a realtor that a friend or family member recommends.
Talk to the realtor about the important things to you in a home, but keep a realistic approach. Many Canadians buy a starter home” and then work their way up the property ladder. Be ready to accept that your price range may not cover all the features you want in a house.
You do not pay for the services of a realtor. Realtors earn a commission on the home’s selling price. The home seller pays the commission, not the buyer.
Once you’ve found a property you want, you’ll want to make an offer. An offer represents your desire to purchase the property and the amount you’re willing to pay. Your real estate agent can advise on the price you should offer on a resale home based on your local market conditions and recent home sales in the neighbourhood.
After agreeing on a price, the seller will stop showing the property to other prospective buyers because the home is now ‘conditionally sold’ to you, and will begin to take the necessary steps to complete the transaction.
Similarly, you will also need to begin taking steps to fulfill your part of the purchase process, including any conditions you may have listed in your offer such as a home inspection or finalizing financing. These vary by location, and your realtor is a good person to ask about the next steps.
Typically, the offer-to-purchase agreement will include:
This is a detailed description of the residence’s address, including street name, house, lot, and block number. It will also often include a list of additional items included in the sale (appliances, garage door openers window coverings, etc).
Here a clearly-stated purchase price that both parties have deemed acceptable will appear. There will also be a description of the deposit amount here. A deposit demonstrates that you are serious about your offer, and will persuade the seller to not entertain any further offers. The Offer will also often contain the payment method (cheque, credit card, etc.), as well as mention who will hold the deposit.
This is when the property becomes yours and you can move in. By this time, any previous owner is expected to have removed all of their belongings and cleared any of the conditions you may have imposed.
Typically, the seller is responsible for the property until the closing date and guarantees that they have the legal right to sell the property. They also guarantee that all buildings and improvements do not encroach upon neighbouring lands.
This is where you place any changes or improvements to the property that the seller and buyer agree to.
This is where you’ll typically find a list of agreed-upon conditions of sale, the breach of which could result in a nullification of the purchase agreement. This could include a description of financing conditions, property inspection conditions, condominium documents conditions, and the sale of buyer’s home conditions.
In addition to your mortgage, there are several closing costs that you must pay before you can take possession of your house. To “take possession” means the home is now legally yours. First-time home buyers are very often surprised when they learn of these additional costs. Examples of closing costs that you can expect to pay include:
This is the cost for an appraiser to assess the property value. Your mortgage lender may require an appraisal to determine whether the selling price is reasonable for the market.
You must pay the Goods and Service Tax (or Harmonized Sales Tax) on a newly constructed or substantially renovated home. Resale homes do not require a GST payment.
This tax is charged to buyers in most provinces, usually based on the purchase price.
This includes fees charged by your lawyer for services such as conducting a title search, drafting a title deed, and preparing the mortgage, and registration fees. A guideline for costs is typically between 1.5% to 4% of the purchase price of the home.
High-ratio mortgages (those with less than 20% down payment) require mortgage default insurance. The cost is usually added to the mortgage it varies depending on the amount of your down payment.
Special insurance coverage to cover the cost of your mortgage in the event of death or severe illness is available from most lenders.
Hiring a home inspector is voluntary but recommended for resale homes, and usually, the cost ranges from $400-$600. With a home inspection, you may discover issues with the house that will cause you to back out of your offer. Or, the home issues may be manageable and you could ask for a lower purchase price to offset any repair expenses.
You may want to bring in an electrician, plumber, and perhaps a structural specialist to ensure you understand all the home systems. They can also provide cost estimates for repairs if needed. First-time home buyers may not factor in these additional costs.
When you buy a house, a home inspection is critical. Usually, an offer to buy a home is conditional upon an inspection. An inspection will assess the following areas:
Foundation: an inspector will check if there is a leak in a foundation wall and whether insulation is in place. If there’s an active leak, they will determine the condition behind the wall.
Plumbing: the inspector will determine if the drains are installed properly and not leaking.
Windows: the inspector will ensure window seals are not damaged. For example, if one of the windows gets fogged, that tells that the window has to be replaced. Next, the home inspector will look at the frame to see if any openings must be resealed; otherwise, you may get an air leakage.
Furnace: the home inspector will check the quality of the filter and whether it is installed properly. They will check the quality and age of the furnace and whether it’s leaking any water inside or gas, which could be critical.
Mold: an inspector will also look for mold (or termites) in the house because it can result in significant costs to repair later.
When buying a house in Canada consider these vital first-time home buyer tips. Learn the essentials and become informed about everything that’s involved. Homeownership provides great pride, security, and achievement. The more informed you are, the more confident you’ll be about your home purchase decisions!
With Valentine’s Day on February 14th, we turn our heads to the usual gifts like flowers, chocolate, jewellry, and pricey restaurant dinners. But, have you thought about the gift of financial well-being and the freedom that comes with it? As a newcomer couple to Canada, wisely managing your finances together can be the greatest Valentine’s Day gift! Discover how these Valentine’s Day ideas can grow your money.
Knowing each other’s views about money and spending is vital to building a bright financial future. As a newcomer couple, discussing your joint finances and views on money is important. An open discussion about saving and spending money will ensure you focus on joint financial goals and priorities. Investing in each other, beyond traditional Valentine’s Day gifts, can strengthen your bond.
Celebrating your love on Valentine’s Day is a great reason to spend your cash, but stick to your budget. Avoid the pressure to overspend.
Before you start shopping, set your Valentine’s Day budget and add the cost of travel, gifts, decorations, and other expenses. Avoiding the trap of overspending on impulse purchases.
If your partner is open, dine at a restaurant a few days before or after Valentine’s Day. Some restaurants and florists boost prices to take advantage of Valentine’s Day demand.
You can stay within your Valentine’s Day budget using credit card rewards or cash-back offers. This can save you money if you redeem your points for travel, merchandise, gift cards, or other offers. But, avoid the lure of spending beyond your Valentine’s Day budget to earn rewards or points.
Some cards offer higher earnings for groceries, dining, or travel. You may get valuable sign-up bonuses when you meet initial spending thresholds.
Reward credit cards are a great way to earn points or cash back on everyday purchases. However, many cards charge annual fees that can be expensive. Without careful planning, even Valentine’s Day gifts could lead to higher annual percentage rates (APRs) making them less attractive if you carry a balance.
When deciding which rewards card is for you, consider how much you spend, what rewards you prefer, and annual fees.
While discussing your joint finances may not sound romantic, it goes a long way in reducing conflict. Financial stress is a leading factor contributing to divorce and separation in Canada. However, you’ll build a strong foundation when you discuss money and how to merge it. Make money talk a regular part of your relationship.
Consider building a framework to discuss money monthly or quarterly to review your goals, saving strategies, and progress. Or, explore budget planners to create a custom budget.
Discussing your short-term financial goals may include tackling credit card debt before setting aside savings. Valentine’s Day is one of the biggest commercial holidays in Canada. And, if your loved one’s favourite gift is more expensive this year, it’s easy to overspend using your credit card. But, focusing on your short-term savings goals may be smarter.
You may want to open a joint savings account for special events like Valentine’s Day, anniversaries, birthdays, and trips. Small contributions add up over time.
A solid savings plan can help you achieve your financial goals faster, whether saving for a wedding, your first home, or your child’s education. A thoughtful Valentine’s Day gift idea may be a special homecooked meal and movie night without racking up your credit card bill.
Don’t miss this on-demand webinar designed for newcomers! Learn need-to-know insights on buying your first home in Canada with experts David Frattini & Rouska Bodourova. Understand home-buying costs, best mortgage rates, and how Scotiabank’s StartRight® Program can help. Register now and start your journey today!
REGISTER FOR THE WEBINARSaving money for an emergency fund to cover unexpected expenses or situations, like an urgent car repair or job loss is smart. An emergency fund to cover three to six months of household expenses can provide the safety net and peace of mind you need.
As a couple, a joint emergency fund can give each one access to cash. Using a high-yield savings account offers higher interest rates than traditional savings accounts. Your joint fund should be easy to access, but it’s best to use it for real emergencies.
Before you use your fund, assess if it’s an emergency. Perhaps the expense is something you can put aside and save for in the future.
It can take months or years to reach your desired emergency fund goal. But, contributing a small amount regularly will make a big difference. Or, skip the expensive Valentine’s Day dinner and roses and deposit the money you save into your joint emergency fund!
Make each day Valentine’s Day by saying “I love you”. No amount of heart-shaped boxes of chocolates or roses will match that! Or, if you have crafting skills, you can make a gift for your loved one! Do-it-yourself (DIY) Valentine’s Day gifts are a great idea!
You can make just about anything when it comes to DIY gifts. Be creative with your Valentine’s Day ideas. Think about what your loved one will appreciate. A DIY gift is more personal and romantic than a store-bought gift. What’s even better? DIY Valentine’s gifts are easier on your wallet.
For the hopeless romantics, consider compiling a photo book from your favourite memories. You can write romantic captions or add quotes from poems or books.
However you celebrate the day, thinking of long-term financial goals and staying within your budget, can be the greatest Valentine’s Day gift idea!
Dreaming of continuing your career in Canada is exciting! But, searching for a job in a new country is challenging, especially for newcomers who can face hurdles. The best advice is to take advantage of free, government-funded programs pre-arrival employment services. You’ll avoid the stress of navigating your job search and get the guidance you need to work in Canada.
A successful job search takes hard work, patience, and perseverance. For newcomers looking to join Canada’s workforce, preparing to work in Canada and planning your job search approach is vital. Discover how pre-arrival employment services can help you gain a competitive advantage to continue your career in Canada!
If you are already in Canada, click here to find free newcomer services near you!
There is much to know and do to set yourself up for success when you move to Canada. Deciding where to live, how to join the job market, or how to adapt to life in Canada is overwhelming. But, the faster you do, the sooner you’ll be successful in Canada!
Pre-arrival employment services can reduce the time to research what you require to work in Canada. What could take months to research, can be a matter of hours when you use pre-arrival services. You’ll orient yourself faster with pre-arrival employment services to help you:
Immigration, Refugees and Citizenship Canada (IRCC) surveyed newcomers for this 2023 Settlement Outcomes Report. The report revealed that 68% of newcomer survey respondents were aware of settlement services. Of those, 95% said the services were useful. Using settlement services will help you achieve your employment goals.
Newcomers who use pre-arrival services report a greater understanding of how to conduct a successful job search. This includes identifying how to deal with job search challenges they may face.
Yes, many pre-arrival employment services are funded by IRCC. Providing free pre- and post-arrival support is the best and fastest way to welcome, embrace, and support newcomers who choose to build a new life in Canada. With faster integration, you’ll contribute to Canada’s economy and achieve your professional goals more quickly.
You’re eligible for free IRCC pre-arrival employment services if you:
Unfortunately, pre-arrival services are unavailable to temporary residents who plan to visit, study, or work in Canada on a visa or permit.
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 WEBINARMany organizations in Canada provide free pre-arrival employment services to help newcomers prepare to work in Canada. You can get career guidance and direction no matter what province or city you settle in. With guidance, you’ll have the confidence you need for an effective job search. But, where do you start?
This is the best place to begin your search for employment services. With one simple registration, PreArrivalCanada.ca gives you access to a wide range of settlement and employment programs you may be eligible for if you have been approved to immigrate to Canada. Only three simple steps:
One: Find out if you are eligible for free pre-arrival services by answering a few questions.
Two: Explore a list of nationwide settlement, employment, and industry-specific employment programs.
Three: Complete the registration form and receive pre-arrival employment services from the programs that you select.
While PreArrivalCanada is your best starting place, here are other organizations and employment services to consider!
The construction industry is predicting an 80,000 shortfall in workforce numbers over the next decade due to retirements and industry growth. So, it’s fair to say Canada’s construction industry is actively hiring.
If you have construction experience, BCCA-IN can help you build your Canadian construction career faster. You’ll receive one-on-one coaching from a dedicated career coach if you are eligible for this free construction-focused employment services program.
BCCA-IN can help you if you’re a technical professional such as a tradesperson, engineer (in any discipline), architect, technician, technologist, project manager, estimator, or analyst. With a BCCA-IN career coach, they can:
Many professions and trades within the construction industry are regulated. When you work with a dedicated career coach, they can steer you in the right direction and help you understand how to obtain the required licenses.
While you’re still in your home country, you’ll learn to access the right tools, resources, job leads, and referrals to build your career faster. With connections to settlement services, construction associations, and employers across Canada, you’ll receive support no matter where you settle.
Here’s an overview of three of the employment programs:
This program provides virtual pre-arrival services to help internationally trained professionals prepare to join the Canadian job market. With a focus on in-demand jobs, you’ll discover the skills you need to land roles across six Canadian sectors including Engineering, Financial Services, Human Resources, Leadership, Sales and Marketing, and Supply Chain.
Do you want to settle in a smaller urban or rural community in Canada? This can be a great alternative to settling in large cities like Toronto and Vancouver. While most immigrants are familiar with these cities, they are expensive. With the Connecting Canada Program, pre-arrival immigrants can learn about different communities to settle in and engage with local employers eager to hire immigrant talent.
Are you an entrepreneur? Or do you want to explore how entrepreneurship can provide you with exciting opportunities?
Small businesses in Canada generate more than 100,000 jobs a year! If you want to pursue your entrepreneurial dream, ACCES Employment can equip you with the skills and knowledge to make your dream a reality. You’ll gain access to coaches and consultants who can share their experience and advice.
The ECP program provides entrepreneurship training, support, and resources to start your business. When you participate in the ECP program, you can make an informed decision about starting a business in Canada.
With Planning for Canada employment services, you’ll discover how to boost your employability. You’ll receive one-on-one support from a facilitator who can prepare you for professional success. This organization can help you update your resume to meet Canadian standards and learn new skills, including industry-specific language, or Canadian workplace etiquette.
While you can find a job in Canada with your existing foreign credentials and work experience, you may need your credentials assessed before you apply for jobs. This makes it easier and faster to get a job when you arrive. Planning for Canada employment services provides the information, resources, and contacts to guide you through the credential recognition process.
When you participate in the AEIP, you’ll benefit by getting a custom settlement plan that includes how to approach your job search in Canada. Employ counsellors will determine your unique needs, and you’ll learn about Canada’s labour market and effective job search strategies. You’ll discover local employers, services, and how to present yourself confidently to employers.
Using free pre-arrival employment services can help you join Canada’s workforce and continue your career. You’ll discover a positive and rewarding experience to achieve your important goals and dreams!
Whether you are moving to Canada by yourself or with family members, there is much to know and do to set yourself up for success. From deciding what province and city to settle in, to preparing for the job market, to getting familiar with a new city. It can take some time before you are comfortable with your new environment. Taking advantage of services can help you adapt faster. Here are some examples of pre-arrival employment services and the benefits you’ll gain!
A mentor can help you navigate the Canadian job market. A mentor will share their job-search experiences, point out common mistakes, and help you avoid making the same mistakes. This can save you valuable time, build confidence, and prepare you to succeed in job interviews.
When you take advantage of pre-arrival employment services, you can:
Get job search assistance (write your Canadian-style resume, research the job market,
Prepare to get your credentials recognized, and more.
Networking and building relationships with people in your field can help you find a job faster. Networking can help you discover Canada’s “hidden job market”. These jobs are not broadly advertised resulting in less competition. However, you have to access the professional network. Pre-arrival employment services can help you to build the right relationships and connections to find a job faster.