Credential recognition for your education and work experience can propel your job search in Canada. But, what is it and why is it important? Credential recognition provides employers, industry professionals, and regulatory bodies a standard measure of your skills and knowledge. Using a standard measure, you show your competence and expertise credibly. Discover how recognition can unlock career opportunities in Canada.
An interviewer can verify that you the have necessary qualifications for the job.
Why is Credential Recognition Important?
Credential recognition helps employers understand the value of your international experience. Canadian employers may not recognize your education and experience without completing the process. As a result, you may face a lengthy job search that can create financial setbacks.
Regulated professions and certain trades jobs in Canada such as electricians require a license to work. Governing bodies for regulated occupations confirm whether or not you meet Canadian standards.
You may be able to begin the credential recognition process before you arrive in Canada. Doing so reduces the time you spend on the process when you arrive allowing you to continue and advance your career faster.
Credential recognition may reveal you need further education to get a license to work in your profession in Canada. It will be more cost-effective if you take these steps while abroad.
What Does Credential Recognition Do?
Credential recognition validates qualifications, skills, and expertise you have gained through education, training, or professional experience. While you may be approved to immigrate to Canada, you have to ensure that Canadian employers recognize and value your:
Academic degree
Work experience
Professional credentials.
What’s Involved with Recognition?
Credential recognition involves two separate processes: education evaluation and credential recognition.
I. Education Credential Assessment (ECA)
An ECA reviews your academic background. This helps employers see how your education compares to the Canadian system and its value.
An approved credential agency will review your international education to confirm the following:
1. Where You Attended School:
Did you study where you say?
Did you complete your education?
2. If the Institution Exists:
Is the school you attended recognized and accredited by an educational regulatory body?
3. Your Education Level
How many years of education do you have?
How does your education compare to similar studies in Canada?
An education evaluation compares international programs to similar studies in Canada.
II. Credential Recognition for Regulated Professions
About 20% of jobs in Canada belong to regulated professions. Credential recognition verifies that your international education, training, job experience, and skills meet Canadian standards for regulated professions.
Provincial and territorial (P/T) occupational regulatory bodies set the standards to obtain a license to work in professions like:
OCCUPATION Click on the occupation to find regulatory bodies in all provinces
PROVINCIAL REGULATORY BODY (Alberta, British Columbia, Ontario)
Visit Career Pathways to find regulatory bodies for more than 25 occupations in Canada.
You can check if your profession requires a license to work in Canada using the National Occupational Classification (NOC 2021 Version 1.0). Here are NOC codes for some in-demand professions in Canada:
Marketing is a non-regulated profession, but employers will expect you to have a business degree.
Working in Non-Regulated Fields
About 80% of jobs in Canada are non-regulated and do not require a license or certificate.
If you do not require a license, it’s up to the employer to decide if you can perform the job based on your:
Skills
Education
Experience
Personal qualities.
For example, some fields such as marketing are not regulated. However, Canadian employers expect a business degree or certificate and relevant experience. While the employer may not ask for an education evaluation, it can be helpful when applying for jobs in a competitive job market.
Benefits of Credential Recognition
Gain a Competitive Edge:
With credential recognition, you gain a competitive edge in Canada’s job market because it signals you have the expertise to excel in the role. Potential employers will find you attractive because you show:
Commitment to professional development
Mastery of relevant skills
Alignment to industry standards.
Build Credibility and Trust:
With credential recognition by industry professionals and regulatory bodies. you instill confidence in employers, colleagues, and clients.
Advance Your Career:
The right credentials can open doors to higher-level positions, and leadership roles, and allow you to progress in your chosen career path. Check out Career Pathways to learn about regulatory bodies for your profession.
Improve Earning Potential:
Credential recognition can help you negotiate a higher salary and better compensation package because of your expertise.
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How to Navigate the Credential Recognition Process
Navigating the process can seem challenging, but you can follow these steps to guide your approach:
1. Research Requirements
Research credential requirements for Canada, your industry, and your profession, including communication skills. Learn what documents you require, evaluation procedures, and fees.
2. Gather Documents
Collect relevant documents including academic transcripts, certificates, or portfolios. Gathering documents before you arrive in Canada will be easier and more cost-effective.
3. Connect with Credential Organizations
Seek guidance and support from relevant credential organizations, professional associations, or regulatory bodies to understand the process and timeline.
4. Prepare for the Assessment
Learn about assessment methods such as exams, interviews, supervised work, evaluation of communication skills, and further study.
5. Be Patient and Persistent
The credential recognition process can be complex and involve multiple steps. Be patient and respond to any requests or feedback from the credentialing bodies.
What Credential Recognition Means for You
Taking the right steps to get your foreign credentials recognized can unlock career opportunities and propel your job search in Canada. While the process can be time-consuming, you can start the process in your home country. Gather supporting documents for each process before you arrive in Canada to save time and money. Beginning the process before you arrive can even help you to secure a job faster.
Researching what you require to work is key to your success in Canada.
If you plan to work in a regulated profession in Canada, check out Career Pathways to learn about regulatory bodies for your profession.
Recognition of your professional credentials can be the cornerstone of your career success in Canada.
Research credential requirements while still in your home country.
FREQUENTLY ASKED QUESTIONS
1. What credentials can be recognized?
Common credentials include:
Academic degrees: Bachelor’s, master’s, and doctoral degrees from accredited educational institutions attest to specialized knowledge.
Professional certifications: Industry-specific certifications validate proficiency in a specific field.
Vocational and technical qualifications: Diplomas, certificates, or licenses show specialized skills and competencies.
Continuing education and professional development: Ongoing learning and training show commitment to lifelong learning and growth.
Language proficiency: Proficiency in multiple languages is valuable in today’s global economy.
2. What educational credential assessment organizations do Immigration, Refugees and Citizenship Canada (IRCC) approve for Express Entry?
3. Can I get my credentials evaluated online while still in India?
Contact the regulatory body for your profession in the province where you plan to settle to see what steps you can take before you arrive. Getting a licence or certificate to practice in “regulated” occupations varies by province and job.
You can also contact the professional or trade association that governs your occupation in your country to see if it works with similar associations in Canada.
4. Can I get my credentials assessed after I land in Canada?
Yes, you can. Contact the professional or trade association that governs your occupation in your home country to see if it is affiliated with similar associations in Canada. You can also use the Canada Job Bank to learn about licensing and certification.
It can take months or years to obtain more training, pass exams, and get a licence to work in Canada. So, it’s vital to know what you require and prepare.
How much money will I need to move to Canada? The answer depends on the size of your family. Applying to become a permanent resident (PR) in Canada can be a long process, including showing proof of funds to the Canadian visa office in your home country. Proof of funds shows that you have the minimum amount of settlement funds to move to Canada and support your family when you arrive. It’s also helpful to research the cost of living in the city where you plan to settle to understand living costs. Discover how you can meet proof of funds requirements for Express Entry, minimum amounts, and documents (i.e. proof of funds letter) you’ll need.
Researching the cost of living in the city where you plan to settle will help you understand the average costs of renting or buying housing, transportation, food, childcare, etc. This will help you budget for expenses after your arrival.
Steps to show proof of funds in express entry
1. Determine the minimum amount you acquire to show proof of funds for PR in Canada
You must show that you have enough money to settle in Canada and to cover living expenses such as housing, food, transit, and other costs. Living in Canada can be expensive depending on which city you settle in. For example, Vancouver is Canada’s most expensive city and Toronto is the fifth most expensive.
When calculating how much money you will need to move to Canada, remember to include Canada Permanent Resident Immigration Fees. To reduce financial pressure, ideally, you should have enough money to cover expenses until you land a job in Canada.
2. Assess your financial situation
Once you know the minimum settlement funds required, assess your financial situation. Consider how much money you have in savings, investments, cash, etc. You may discover that you need to improve your financial situation to show that you meet the minimum requirements. Or, you may find that you have a suitable amount of settlement funds for your new start in Canada!
3. Contact your financial institution to obtain a proof of funds letter
If you are invited to apply for permanent residence, you must show you have the minimum funds available. These funds must be money that you can readily access. Your bank will provide a proof of funds letter that is written on the bank’s letterhead and includes the following:
The bank’s contact information
Your name
Outstanding debts such as credit card debts and loans
Account number, the date the account was opened, current balance, and average balance for the last six months for each bank and current investment account.
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Before you move to Canada, you need to show that you have the minimum amount of settlement funds set by IRCC. Known as proof of funds, this shows the Canadian government that you have enough money to settle in Canada and cover living expenses. If you have more than the minimum amount, list the amount in your Express Entry profile.
Immigration, Refugees and Citizenship Canada (IRCC) updates how much you require each year based on family size. These figures are current as of May 2024.
Number of Family Members
Funds Required (Canadian Dollars)
1
$14,690
2
$18,288
3
$22,483
4
$27,297
5
$30,690
6
$34,917
7
$38,875
For each additional family member, add
$3,958
The amount of settlement funds you require depends on the size of your family. Source: IRCC May, 2024
Who needs to show proof of funds?
You must show proof of funds if you are applying using the:
Federal Skilled Worker Program
Federal Skilled Trades Program
You do NOT have to show proof of funds if you:
Have a valid job offer in Canada
Are currently working or authorized to work in Canada, OR
Have been invited to apply for the Canadian Experience Class.
Tips to obtain and maintain proof of funds for Canada PR
Update your Express Entry Profile if there is a change in your settlement funds. You need to update your profile to maintain your eligibility.
Avoid unnecessary spending to ensure you have the minimum amount of settlement funds available and can access the funds.
Maintain a financial buffer to meet any unexpected expenses or fluctuations in the exchange rate.
How much money can I bring when I move to Canada
While you must meet the minimum amount of proof of funds, you can bring as much money as you wish to make it easier to move to Canada and find a home.
When you cross the border and enter Canada, Canadian customs regulations require you to declare if you bring more than C$10,000 into Canada. You may be fined or imprisoned if you do not tell them. To avoid this, declare how much money you are bringing and expect to pay duty (a fee) on the amount greater than $10,000 Canadian. These funds could be in the form of:
Cash
Stocks, bonds, debentures, treasury bills, etc., or
Bankers’ drafts, cheques, travellers’ cheques, or money orders.
How much money can I bring when I move to Canada?
Beyond the minimum funds you require, exceeding the minimum is helpful. Additional money will help you to settle in Canada easily and reduce financial pressure. It’s smart to research the cost of living in the city where you plan to settle. The additional amount of funds that you require will vary based on:
Location and city where choose to live, and
Family size.
Consider any additional financial needs that you and your family may have. Each family will have different financial needs. Also, it’s a good idea to research how much things cost in the city where you plan to live. Here are some guidelines to help you assess how much you may need (costs do not include airfare or moving expenses):
One adult moving alone: $25,000 CDN
One couple moving together: $30,000 CDN
A couple with one child under 10 years: $33,000
A couple with a child over 10: $35,000
For each additional child under 10: add $1,000
For each child additional child over 10: add $2,000
These guidelines will provide you with breathing room to settle in Canada with financial ease. Depending on your budget, this should cover basic living expenses for four to six months while searching for a job.
Researching the cost of living in Canada
Living costs vary across Canada so it’s important to research average housing, utility, transportation, childcare, food, and other essential costs. According to Numbeo, among Canada’s most expensive cities are Toronto, Vancouver, Markham, Calgary, and Brampton.
Housing costs will be your largest expense whether you rent or buy a home so research average housing costs and salaries for your profession in Canada. Choosing cities that offer affordable housing and lucrative jobs is your best option. Toronto and Vancouver, Canada’s largest and most sought-after cities, are major job hubs, however, housing costs are the highest. If you dream of homeownership, you’ll likely be able to buy a larger home in a suburb or smaller city.
The cost of accommodation in Canada varies by city and vacancy rates are a key driver of costs. Housing costs are usually the largest portion of a monthly budget, and if you’re a newcomer to Canada, it’s helpful to understand what determines accommodation costs. With this knowledge, you can decide where you want to live and how much you can afford. Other factors that affect the accommodation costs include location, type of housing, and size.
What Does Vacancy Rate Mean?
In Canada, the vacancy rate refers to the housing supply and the occupancy rate refers to the housing demand. Though the answer is subjective, a healthy vacancy is considered to be around 3% in general.
The Canada Mortgage and Housing Corporation (CMHC) conducts the Rental Market Survey (RMS) every October in urban areas with populations of 10,000 and more. The RMS estimates the strength of the rental market. The survey targets privately rented structures with at least three rental units, that have been on the market for at least three months.
The CMHC also conducts the Condominium Apartment Survey (CAS) every year in September to estimate the strength of the condo apartment rental market. The cities covered in this survey are Calgary, Edmonton, Gatineau, Halifax, Hamilton, Kelowna, Kitchener, London, Montréal, Ottawa, Regina, Saskatoon, Toronto, Vancouver, Victoria, and Winnipeg.
How Vacancy Rates Affect the Cost of Accommodation in Canada
A vacancy rate of two percent or lower means there is greater competition among prospective tenants as they vie for fewer vacant rental properties.
VACANCY RATE
WHAT IT MEANS
Less than 2%
– High demand with a limited housing supply – Drives rental cost higher
3%
– Healthy balance between housing supply and demand
Greater than 3%
– High supply with low demand – Lower housing costs – “Renter’s Market
The vacancy rate is also a key factor determining the accommodation cost in cities across Canada. With this in mind, you can research vacancy rates to understand rental costs, determine how much you can afford, and budget for rent. Here are the 2023 vacancy rates and average rental rates for a 2-bedroom apartment in several Canadian cities:
CITY VACANCY RATE
AVERAGE RENT FOR A 2-BEDROOM CONDOMINIUM APARTMENT
CANADA 0.9%
$2,049
OTTAWA, Ontario 0.4%
$2,085
VANCOUVER, British Columbia 0.9%
$2,580
HALIFAX, Nova Scotia 1.0%
$1,628
TORONTO, Ontario 0.7%
$2,862
KITCHENER-CAMBRIDGE-WATERLOO, Ontario 0.1%
$**
CALGARY, Alberta 1.0%
$1,819
REGINA, Saskatchewan 1.8%
$1,421
LONDON, Ontario 0.1%
$2,050
SUDBURY, Ontario 1.2%
$1,361
WINNIPEG, Manitoba 1.8%
$1,333
WINDSOR, Ontario 2.0%
$1,253
SASKATOON, Saskatchewan 2.0%
$1,449
EDMONTON, Alberta 2.5%
$1,359
HAMILTON, Ontario 2.6%
$2,373
ST. CATHARINES-NIAGARA, Ontario 2.8%
$1,388
Source: Rental Market Report, Canada Mortgage and Housing Corporation, January 2024
How Much Do Apartments Cost in Canada?
Vacancy rates of less than 2% such as in the city of Toronto drive the cost of accommodation higher.
Finding affordable housing continues to be challenging, especially in Toronto and Vancouver where vacancy rates are below two percent. That’s why we encourage newcomers to consider other cities that often offer hidden advantages to newcomers, including lower accommodation costs.
What’s Affordable Housing in Canada?
Housing affordability and supply are essential factors when evaluating your landing city options. In Canada, spending less than 30% of your pre-tax income on housing is considered affordable. Spending more than 30% on housing will mean cutting into your budget for things like food, transportation, and other necessities. And, until you establish stable finances, it’s wise to manage your budget and expenses accordingly.
Where to Find Affordable Accommodation in Canada?
The cost of accommodation can be lower when the vacancy rate is higher such as in Edmonton, Alberta.
Major cities like Toronto and Vancouver are expensive when it comes to accommodation. However, you’ll likely find housing prices that are more in line with your budget in other Canadian cities. Carefully researching small and mid-sized cities across Canada before you choose your landing city is the key to your success.
Research the Housing and Job Markets in Different Cities
It’s important to research housing and job markets across Canada. Canada is a vast country with regional, economic, and cultural differences. And, the cost of housing (both in the rental and homebuying markets) can vary widely. At the same time, you want to research your profession in different cities to ensure job opportunities match your skills, knowledge, and experience.
This initial research is critical. While you can always relocate to other cities, making a secondary move is expensive. Carefully evaluating your landing city options, housing costs, and career options will help you make smart decisions and achieve financial stability and success! You can easily check out rental costs in cities across Canada at Rentals for Newcomers.
Become Familiar with the Cost of Living in Different Cities
The cost of living can vary across Canada. Groceries, transportation, rent, or home-buying costs can be expensive. Also, consider your lifestyle and the cost of entertainment and dining out.
Considering all of these factors will help you to budget for the cost of accommodation in Canada. And for newcomers, this information can help you to make smart and affordable landing city decisions!
Celebrating Pride Season in Canada (June to September) is a time to recognize and support the contributions and achievements of the 2SLGBTQI+ communities and their allies. While Pride 2024 celebrations and events occur in cities across Canada, Toronto hosts the largest Pride event in North America each year in June. Pride events also happen throughout the year in many communities. Learn more about the history, relevance, and Pride 2024 events and celebrations.
2SLGBTQI+ stands for Two-Spirit, Lesbian, Gay, Bisexual, Transgender, Queer or Questioning and additional sexual orientations and gender identities.
Two-Spirit (or 2 Spirit or 2S) is an Indigenous term that means a person has both a feminine and masculine spirit living in the same body.
Pride allies show their solidarity by actively:
Supporting the rights and safety of the 2SLGBTQI+ community
Supporting systemic change, and
Promoting inclusivity.
Why Do We Celebrate Pride Month?
While celebrating Pride events is a key focus of the season, it’s also a time to focus on Canada’s commitment to human rights. A fundamental human right is the right to live free from all forms of discrimination, including sexual orientation and gender identity.
Canada is one of the most friendly 2SLGBTQI+ nations in the world. Section 5 of the Canadian Charter of Rights and Freedoms outlines how each individual has equal protection under the law. The Charter states that people are free from discrimination based on factors such as race, religion, ethnic origin, and sexual orientation. Among other things, this means that:
Same-sex relationships are not a crime
Same-sex marriages are legal and come with rights such as pensions and benefits
Hate crimes and hate speech are illegal
Employers cannot discriminate against you based on sexual orientation or gender identity
Doctors or health care professionals cannot refuse treatment based on sexual orientation or gender identity
Canada’s promise of equality makes it a nation of choice for individuals fleeing countries that criminalize sexual orientation.
According to the Human Dignity Trust, “66 countries have jurisdictions that still criminalize LGBT people” because of who they are and who they love. With sentences that range from fines to prison, or even to the death penalty, criminal punishments have profound negative effects.
Services and Support for LGBTQ+ Newcomers
Recognizing the need for greater support, more settlement agencies now offer services to the LGBTQ community. In addition, more LGBTQ agencies provide services to multicultural communities, especially in large cities such as Toronto, Vancouver, and Calgary. Support services include one-to-one support to identify settlement needs, housing, legal issues, financial insecurity, employment, and questions about refugee claims.
With funding from ScotiaRISE, The 519 will launch:
Project Unlock
With this program, LGBTQIA+ newcomers can receive individualized programs and financial aid to get certification for in-demand careers. Participants will also receive mentoring and coaching, and job search support.
El Lugar
The program supports Latin American newcomers with gatherings, workshops, and language support to enter the workforce successfully.
Settlement Agencies:
Here are other settlement agencies that offer LGBTQ+ newcomer support.
While many of the Pride festivals in Canada began as a protest and demand for equal rights, today’s festivals are more of a celebration with a party atmosphere. Today, Pride events celebrate and recognize the progress that the 2SLGVTQI+ community has made over the years. And, while there is more work to be done, the 2SLGVTQI+ community continues to demonstrate resilience and strength.
A large crowd lines the Pride Toronto parade route. Toronto is host to the largest pride event in North America each June.
Toronto’s first pride parade was in June 1981. At that time, Pride events took place during a seven-to-10-day festival. Since 2016, Toronto has declared June as Pride Month. Today, Pride Toronto is among the largest organized gay pride festivals in the world.
Montreal Gay Pride, or Fierté Montreal was founded in 2007. Formerly, the city’s Pride festival was part of a general arts and music festival that began in 1993. Today, the Montreal Pride Festival is the largest francophone LGBTQ gathering.
In 2022, Calgary’s parade focus was the complex intersection of immigration and the 2SLGVTQI+ community. Working with the End of the Rainbow Foundation and the Centre for Newcomers, pride parade marshalls represented countries including Afghanistan, Nigeria, Pakistan, and Iran.
To the 2SLGBTQI+ community, newcomers, and allies, we wish you happy pride celebrations! It’s time to celebrate and continue building safe and welcoming communities across Canada!
If you plan to move to Canada you have to pay several immigration fees to process your application to become a permanent resident. As of April 30, 2024, here are some of the current permanent residency fees increases:
Your application (includes processing fee and right of permanent residence fee)
$1,525.00
Your application (without right of permanent residence fee)
$950.00
Right of permanent residence fee
$575.00
Include your spouse or partner (includes processing fee and right of permanent residence fee)
$1,525.00
Include a dependent child (without right of permanent residence fee)
$260.00/child
Permanent Resident Card
$50 (no increase)
Permanent Resident Travel Document
$50 (no increase)
Citizenship – application fees Adult (18 and over) Minor (under 18)
$630 $100
Biometrics: Per person Per family (2 or more people)
$85.00 $170.00
*Fees apply to: Agri-food pilot, Atlantic immigration pilot, Atlantic immigration program, Canadian experience class, Federal skilled workers, Federal skilled trades, Provincial nominee, Rural and northern immigration pilot, Quebec-selected skilled workers. Be sure to budget for 2024 permanent residency fee increases.
According to Immigration, Refugees and Citizenship Canada (IRCC) the fee increases account for inflation since the last increase in 2022. Permanent resident fees increase every two years and consider the rising cost of delivering programs and services. The next fee increase will be in 2026.
At this time, the fees will not increase for the following:
– Canadian Permanent Resident Card ($50): a wallet-sized document that is issued to new permanent residents to confirm status in Canada
– Permanent resident travel document ($50): a travel document valid for one entry
Certification or replacement immigration documents.
When calculating how much money you’ll need to move to Canada, remember to add these immigration fees to your budget. Canada’s immigration fees are less expensive than countries such as Australia, the United States, and the United Kingdom, but these fees still add up.
What is the Right of Permanent Resident Fee?
The Right of Permanent Resident Fee is a separate fee all permanent resident applicants must pay when their application is approved. But to avoid processing delays, you can submit this fee while you pay your application fees. And if your application is not approved, the IRCC will give you a full refund.
How to Pay Canada Permanent Residency Immigration Fees
You can pay your Canada immigration fees online. Use the online form to indicate your country and the forms that you are submitting. IRCC will calculate the total fees that you owe.
Getting a credit card when you arrive in Canada is a great way to build a credit history, but you must avoid making common mistakes. From spending more than your credit limit, to only paying the minimum monthly payment, these mistakes can damage your credit score and make it difficult to achieve your financial goals. Learn how to avoid these financial mistakes and what you can do to stay in good standing.
1. Only making the minimum monthly payment on your credit card bill
Credit card issuers make it easy for you to repay your balance by allowing you to make minimum monthly payments. Sometimes you can only afford to make the minimum monthly payment, but avoid making this a habit.
When you only pay the minimum payment each month it increases the amount of time it takes to pay off your balance and you’ll pay much more interest. It also means that you will likely never pay off the full amount of your card. A better approach is to pay the full balance. If that’s not possible, pay more than the minimum monthly payment to accrue less credit card interest and pay your debt faster.
2. Missing credit card payments
Missing payments means you will have to pay a late payment fee and it can add up quickly. To avoid late payment fees, you can set up an automatic payment to your debit card. Remember, you should pay off the full balance each month. Falling behind in your payments can lead to higher credit card interest charges and your credit score will suffer. Meeting your monthly payments shows creditors that you manage your money well.
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Ready to take control of your financial journey in Canada? Join our expert-led online webinar! Learn essential banking tips to build a strong financial foundation. Hear from David Frattini, Managing Partner at Prepare for Canada, and Neil Dhanani, Financial Advisor at Scotiabank, as they guide you through everything you need to know.
If you don’t open your credit card billing statement, you risk missing your payment due date or paying less than you should be. Ignoring your statement could cause you to miss important announcements about changes to your credit card terms.
Review the monthly transactions to ensure that there are no purchases that you did not make or approve. If there are any errors, contact the credit card company immediately to discuss the transaction.
Missing payments will also lower your credit score. Missed payments can remain on your credit report for up to six years.
4. Not reporting a lost or stolen credit card
If you lose your card, the first thing that you should do is report it to your financial institution. The longer it takes you to report a lost or stolen card, the greater the chance of fraudulent activities. Reporting a lost credit card quickly shows the bank that you are responsible.
5. Maxing out your credit card limit
This credit card mistake is important to avoid. As a newcomer, you may have unexpected expenses you didn’t budget for. A credit card can be a short-term solution but you should never max out a card to its limit.
When you max out your credit limit, it indicates to creditors that you are living beyond your means.
It’s better to spend less than 30% of your credit limit. This is known as the credit utilization ratio which assesses how much credit you have versus how much you use. This ratio is also about 30% of your credit score calculation. Getting close to your credit limit puts you at risk for over-the-limit fees and penalty interest rates you’ll have to pay when you exceed your credit limit. Maintain a low balance on your card for a healthy credit score and manageable payment amount.
Avoiding these credit card mistakes will help you reduce financial stress, increase your credit score, and build credit history.
In the excitement of getting your Confirmation of Permanent Residence (COPR), it’s vital to consider the first things to do after landing in Canada. It’s now time for the next step along your immigration journey. Your Canadian journey begins when you complete all the paperwork, pack your belongings, and say your goodbyes. The first steps you take upon your arrival in Canada will set the course for a smooth settlement process. Discover the vital steps to building your life your life in Canada!
What to Expect When You Land in Canada
Knowing what to expect when you land will contribute to a smooth experience and reduce stress.
One of the first people you will meet at your arrival point in Canada will be a friendly Canada customs agent. This is when the customs agent will ask you about the goods you carry with you, goods to follow, and landing certificates such as your COPR.
You’ll also meet other officials from Immigration Services. They will ask you to show your passport and visa papers. Immigration agents will give you application forms to apply for documents such as your:
– Permanent Resident (PR) Card
– Social Insurance Number (SIN) card
– Health care card
– Driver’s license.
Applying for these documents within the first couple of weeks after you land in Canada is important. You will need a SIN card to work in Canada, and a health care card to get provincial healthcare coverage.
When Will I Receive My Permanent Resident (PR) Card?
Your PR card is proof of your Canadian permanent resident status. You will need this card whenever you leave Canada and want to re-enter. The processing time for your PR application can vary and it can take up to two months to receive your PR card. You can check processing times here.
Immigration, Refugees and Citizenship Canada (IRCC) will mail you a wallet-sized plastic PR Card. If you change your mailing address before receiving your PR Card, notify IRCC of your change of address. You can also check the status of your application.
Important First Steps After Landing in Canada
Once you decide to immigrate, it’s time to look ahead confidently. You’ve done so much to prepare for Canada, so trust yourself, enjoy the journey, and take these steps when you land in Canada.
1. Find Housing Accommodation
It’s important to secure short-term accommodation (a stay of less than 28 days) before you arrive in Canada. While residing in temporary housing, a vital first step is to find accommodation in Canada that will suit your long-term rental needs.
Ideally, you want to find a place that meets your needs and is relatively close to your employer. If you’re moving to a large city like Toronto, pay attention to how dispersed it is. Travel time within the Greater Toronto Area can take up to 90 minutes by car or public transit. So, factor in travel time when deciding where to live.
Rentals for Newcomers is a great place to search for the perfect rental in cities across Canada. While it’s good to research the housing market in Canada before you arrive, the best time to search for housing is after you arrive in Canada. This will allow you to visit properties, meet the landlord, and avoid rental scams.
2.Apply for Your Social Insurance Number (SIN)
Apply for your SIN within the first week after you arrive in Canada. Without this nine-digit number, you cannot get a job, apply for government programs and benefits, or access credit. In fact, without it, you are virtually a person without an identity in Canada. There is no cost for you to get your SIN.
3.Apply for your Healthcare Card Upon Landing in Canada
Within the first week of your arrival in Canada, apply for a healthcare card to receive free medical coverage in the province or territory where you plan to live. Some provinces, such as British Columbia, have a three-month waiting period before your healthcare coverage takes effect. It’s important to apply for provincial healthcare within your first week to minimize delays in coverage.
If you land in a province with a waiting period, you can buy private insurance to cover you and your family from unexpected healthcare costs. A waiting period applies for permanent residents in British Columbia, Manitoba, New Brunswick, Yukon, Northwest Territories, Quebec, and Saskatchewan.
4. Connect with Settlement Agencies Before and After Landing in Canada
There are many immigrant service agencies across Canada. Settlement agencies provide information and many free services to help you adjust to life in Canada. Some settlement agencies even offer pre-arrival services before you land in Canada. There is a huge advantage to using settlement services before and after your arrival in Canada.
Learn About FreePre-Arrival Services
If you’re still in your home country, learn more about free pre-arrival services:
Already in Canada?Discover FreePost-Arrival Services
Here are some services that you can take advantage of:
Free Language Training:
Improving or enhancing your English or French language skills is a great idea because it’s critical to newcomer success. Language training may focus on basic English skills only, and may not be enough to help you succeed in the work environment. However, many colleges and industry associations offer higher-level English training and job-specific or occupation-specific language training.
Host Programs:
Some organizations may offer a host program. This volunteer-based program matches immigrants with a host who can guide them through their first few months in Canada. Your “host” can help you with questions about the best places to shop locally, find housing, or enroll your children in school.
Settlement Counselling:
Immigrating to a new country can be an emotional time. You may feel frustration, regret, and homesickness. Immigrant settlement agencies are there to support you with counselling for you and your family.
Job Search Services Before and After Landing in Canada:
Immigrant settlement agencies are also a great first step to help you with your job search. For example, they can help you to:
– Prepare your resumé for the Canadian job market
– Write a cover letter
– Prepare for job interviews.
Many settlement agencies offer programs to assist your job search before and after you land in Canada.
Mentorship Programs:
You can also ask the settlement agency if they offer a mentorship program. Mentoring programs connect you with someone who works in your occupation and can provide information and tips about the profession in Canada. Mentoring can be a great way to help you succeed in the workplace.
5. Set up a Bank Account
Another priority in your first few weeks in Canada is to open a bank account near your home. To open an account, you will need your landed immigrant papers and any other identification you have to prove your place of residence. You can even open a bank account before you arrive in Canada.
Banks provide different types of bank accounts including basic savings and chequing accounts. You may need a chequing account in particular because most employers will make a direct deposit to your bank account to pay you.
Over time, you will build a good relationship with your bank, and start building your credit history. One way to build credit is to apply for a secured credit card and then a traditional credit card. With a secured credit card, you provide a cash deposit in case to pay your bills. Paying your bills and loans promptly is important to build a strong Canadian credit history. Your credit history will help you when you want to get a mortgage buy a home, make a major purchase such as a car, or get a loan to start a business.
6. Enroll Your Children in School When You Land in Canada
Among the main reasons people immigrate to Canada is to give their children a better future. That starts with education. Canada guarantees an education to every child between the ages of five and 18. You must enroll your child in school as soon as possible after you arrive in Canada.
The progressive levels in the Canadian education system for children include:
Kindergarten: Children enter the school system in Kindergarten at age five.
Primary or Elementary School: After they complete Kindergarten, they attend primary or elementary school for grades 1 to 7 or 8, depending on the school district.
Secondary or High School: From grade 8 or 9 through to 12, children attend secondary school (high school). Some districts have a junior high level between elementary and high school.
You’ll be off to a great start when you take these vital steps upon your arrival in Canada!
Canada leads the way globally as a preferred immigration destination. Every year, hundreds of thousands of hopeful people apply to immigrate to Canada. However, understanding Canada’s many immigration programs can be confusing. Many people rely on consultants for help to immigrate to Canada. However, it’s important to understand how to select an immigration consultant. Discover what to know and how to avoid immigration fraud.
1. Apply Directly to Immigrate to Canada
The primary way for skilled immigrants to live permanently in Canada is through the Canadian Government’s Express Entry program. There are three immigration programs under Express Entry, and each has different requirements.
You can visit the Government of Canada site to see if you are eligible for Express Entry. It takes about 10 – 15 minutes to find out if you are eligible and answer questions about your:
– Nationality
– Age
– Language ability
– Family members
– Education
– Work experience
– Details on any job offer (if applicable).
What Happens After You Complete the Eligibility Questions?
After you respond to the questions, you will:
– Be advised if you meet the eligibility requirements to immigrate to Canada
– Receive a personal reference code
– Be provided with the next steps you need to follow.
When you complete the steps, you will receive a confirmation that your profile is complete.
The Canadian government determines how many Express Entry applicants will be admitted to Canada each month.
2. Apply with an Immigration Consultant
You can also hire an Immigration Consultant to help you apply to immigrate to Canada. An experienced consultant knows about the many streams and programs available for people looking to immigrate to Canada. With more than 100 Canadian immigration programs, they can help you select the right program.
What to Know if You Hire Someone to Help You Immigrate to Canada
The Government of Canada has important tips if you decide to hire a representative to help you with your immigration process:
To Find a Paid or Unpaid Representative:
– Ask people you trust to recommend someone. Be sure to get advice from several people before you choose.
– Ask questions. Be careful of someone who won’t answer your questions.
If You Hire a Paid Representative:
Immigration consultants must be licensed by the College of Immigration and Citizenship Consultants. Review these helpful tips to ensure you select a qualified representative.
This means they have a license to practice and give advice.
If you choose a paid representative who’s not authorized, the Canadian government may return your application or refuse it.
If you give a representative money or compensate them in any other way in exchange for their services, they’re considered paid and must be authorized.
2. Ask the representative about their training and experience.
3. Find out how long they have been in business and ask for references.
4. Discuss the services they provide and their fee.
5. Get a written contract and read it carefully before you sign it. Ensure the contract lists all the services they will give you and clearly states the fee you discussed.
Also, if you use a representative who works in Canada, you can contact the Better Business Bureau (BBB). The BBB can tell you if they have received complaints about a citizenship or immigration consultant, lawyer, or other representative.
Arrive in Canada Financially Prepared
Ready to take control of your financial journey in Canada? Join our expert-led online webinar! Learn essential banking tips to build a strong financial foundation. Hear from David Frattini, Managing Partner at Prepare for Canada, and Neil Dhanani, Financial Advisor at Scotiabank, as they guide you through everything you need to know.
Tips to Protect Yourself from Fraud When Immigrating to Canada
If you plan to immigrate to Canada, it’s vital to avoid fraudulent activity. Immigration fraud can have devastating consequences from delays to deportation. Here are some tips to avoid the risks:
– Be careful of anything that sounds too good to be true. The Canadian government advises that using a paid representative will not draw special attention to your application or guarantee they will approve it.
– Beware of representatives who encourage you to give false information in your application. Providing false information is against the law, and you could be denied entry into Canada or deported after you arrive.
– Don’t leave original documents or photos with your representative.
– Don’t sign blank application forms.
– Read any forms or documents carefully before you sign them. If you don’t understand them ask someone to translate.
– Get copies of any documents your representative makes for you.
– Get a signed receipt for any services you pay the representative for.
– Make sure your representative updates you often about your application.
– Protect your money and remember that the Canadian government will never:
Call you and ask you to deposit money into a personal bank account
Ask you to transfer money through a private money transfer company.
Only ask for processing fees in Canadian dollars and the fees are the same around the world.
It’s smart to make a checklist of the important documents to carry when you move to Canada. Whether you are immigrating permanently, studying, or working in Canada, these documents will help you to enter Canada, open a bank account, drive, rent a house, and even access healthcare. This comprehensive list of documents outlines what you will require and why you need them. Ensuring you have the right documents for permanent residence (PR) can minimize delays and avoid complications as you settle in Canada. Without the right documents, you may face challenges finding a job, enrolling your children in school, or even renting a place to live.
It’s important to keep all your documents safe and keep digital copies.
Essential Documents for PR in Canada
You will require specific documents to complete the immigration process and PR in Canada. The PR documents you require vary based on the immigration program you’re applying for. However, here are some of the essential documents you will need.
Passports and Birth Certificates
Passports show your biographical information for you, your spouse or common-law partner, and dependent children. Passport photos must comply with Canadian passport photo specifications.
You’ll need a birth certificate or an equivalent document from your birth country for yourself and each family member travelling with you. Birth certificates serve as proof of your date and place of birth. If you do not have a foreign birth certificate, the date of birth indicated on your foreign passport or travel documents will establish your date of birth. You will need a birth certificate to get a Social Insurance Number, enroll your children in school, or apply for government services.
Adoption Certificate
If you identify a dependent child as “adopted” you will require a certificate from a national authority to show that the adoption is legal and approved.
Marriage Certificate (or Divorce and Legal Separation Agreement)
If you declare yourself married, you will need a valid marriage certificate issued by a government authority under the law of the country where you were married.
A divorce certificate and legal separation agreement are necessary if you declare your marital status divorced.
Education and Professional Documents
Carry your educational certificates and official transcripts. These documents prove your education qualifications and you may require them to attend Canadian schools or for employment. And, don’t forget any school records you have for your children!
Post-secondary Diplomas, Degrees, and Academic Transcripts
You may need an education evaluation or credential recognition from an evaluation service, academic institution, or professional association. Such evaluations can help you to find work more easily. You may also require them if you plan to work in a regulated occupation or attend post-secondary schools in Canada.
Many professional associations, universities, colleges, and assessment agencies require the school you attended to send your academic records directly to them. They may not accept the original or a copy of academic documents. You may have to get your documents translated into English or French, depending on the language requirements of the province you are moving to. It’s a good idea to find out what documents the professional association, academic institution, or credential assessment agency requires before you come to Canada. This will also save you time and money and avoid costly delays.
Samples of Your Professional Work
It is helpful to bring samples of your professional work to showcase when you attend job interviews in Canada. Bring your resumé or curriculum vitae. However, you may have to use your existing resume as the foundation to write a Canadian-style resume.
Reference Letters from Former Employers
Canadian employers often request references from former employers before they offer you a job. So, it’s helpful to bring reference letters with contact information. An official reference must be a printed letter on company letterhead and include:
– Company contact information (address, telephone number, email)
– Name, title, and signature of the immediate supervisor/manager at the company
– All positions held with job titles, duties, and employment start and end dates.
Working in Canada | How To Get Your First Job In Canada
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.
If you have young children who are immigrating to Canada with you, consider carrying their education documents as well. Your children may have to complete a math and English language skills assessment when you enroll them in school. The assessment results will identify what grade level your child is at and what support they may need to achieve success in school. It’s helpful if you can provide your child’s previous report card or other documents to help place them into the right grade.
Health and Insurance Documents
Continuing to care for your health when you move to Canada is vital. Health-related documents such as medical records, vaccination records, prescriptions, etc, are helpful when you seek a medical doctor or apply for health insurance.
Medical Records
If you need to complete an International Medical Exam (IME) it’s helpful if you can bring any medical reports or test results for any previous or existing medical conditions.
Immunization Documents
Most people seeking permanent residence in Canada will require an IME. If you do not have adequate immunization records, you may have to start an immunization schedule based on your age and risk factors. This applies to adults and children. Immunizations are not mandatory in Canada. However, children and adolescents who attend school in Ontario and New Brunswick must have proof of immunization.
For the IME, it is not mandatory to show proof of vaccination. However, proof of previous vaccination is helpful, including vaccination against illnesses such as tetanus, pertussis, measles, mumps, COVID-19, and others.
Travel Health Insurance
While you can apply for public health insurance when you arrive in Canada, some provinces have a waiting period before you can receive provincial health care coverage. Buying private health insurance to cover expenses in case of a medical emergency during your first few months in Canada is a smart idea. Without medical health insurance, you could face a large bill for medical treatment or emergency surgery. Having to pay a hefty medical expense is not how you want to begin your new life in Canada. It’s much better to purchase insurance for peace of mind.
Financial Documents and Proof of Funds
Proof of funds show you have enough money to support yourself for at least the first three months in Canada. It can take three to six months to find a job in Canada, and you will need to have money for living expenses until you have a stable income.
Certificates of Valuation and Authenticity for Jewellry and Valuables
You’ll need a list of effects when you land at the airport. It’s also helpful to have certificates of valuation and authenticity (including photos) for jewelry, valuables, and belongings you carry.
Record of Foreign Income, Properties, or Investments
Foreign income is taxable in Canada.
Canada PR Documents You Require When You Land
When you land at the airport in Canada, you will meet with an immigration officer from the Canada Border Service Agency (CBSA). The officer will check that you enter Canada on or before the expiry date on your Confirmation of Permanent Residence (COPR); this date cannot be extended. If there are no problems, the officer will authorize you to enter Canada as a permanent resident.
When landing at the airport, you require your:
– Passport or travel documents
– Confirmation of Permanent Residence (COPR) for you and any dependents travelling with you
– CBSA declaration card
– List of any goods you have with you and a list of goods to follow
– Proof of funds.
While the immigration officer may not ask you for proof of funds, it’s helpful to have.
The officer will also confirm your Canadian mailing address. Your Canada permanent resident card will be mailed to the address you provide. You can notify IRCC if you change your address before you receive your PR card using this online address notification service. The time to process your PR card can vary. However, you can check the IRCC website for current processing times.
Other Documents for Canada PR
International Driver’s Licence
If you plan to drive in Canada, you can get an International Driving Permit (IDP) from your home country. Permanent residents can use the IDP for a defined period (usually 60 – 90 days depending on the province). Be sure to check the specific IDP requirements of the province you are moving to. Some provinces in Canada may allow you to exchange your foreign driver’s license for a Canadian driver’s license, while others may require you to take a driving test.
International Automobile Insurance
If you have a good driving record in your country of origin, you may be able to get a better auto insurance rate in Canada. Bring a copy of your international automobile insurance to show your driving record.
With this comprehensive list of documents for PR in Canada, you can begin to gather and organize them for your convenience. Having these documents before you move will minimize potential delays and help you settle when you arrive.
Communication skills are important for two primary reasons. Firstly, if you apply for Permanent Residence (PR) in Canada you must have strong language skills. You need to show that you can communicate in either of Canada’s official languages: English or French. And you have to provide proof of your language results from an organization that the Canadian government approves. For example, the International English Language Testing System (IELTS) is a common tool to show your language skills.
Secondly, one of the most important skills that Canadian employers look for is the ability to communicate effectively. Regardless of your title, profession, or industry, strong communication skills will help you to achieve success. Employability skills include managing information, thinking and solving problems, using numbers, using digital tools, and communicating.
Employability skills are the skills you need to enter, go through, and grow in the world of work. Understanding and applying these skills will help you create a set of tools to improve your ability to grow and do well in the workplace and beyond.
Conference Board of Canada, 2022
In 2022, the Conference Board of Canada, in partnership with FutureSkills Centre, defined communication skills as a fundamental skill. Other employability skills include:
The goal was to identify the top skills that Canadian employers seek. The research showed that employers seek these top three skills:
Soft skills (social and emotional skills)
Personal management skills, and
Teamwork skills.
Communication Skills Defined
While language and communication skills are essential for most jobs, what exactly does that mean? And, how do you show that you have proficient language skills?
To succeed in the workplace, it’s essential to communicate with managers, co-workers, clients, suppliers, and customers. Strong communication skills include:
Writing
Reading
Speaking
Listening.
In the workplace, you require:
Writing Skills
Strong writing skills are vital for many jobs. Writing skills include your ability to write clearly and concisely. This can include:
Writing effective emails
Writing compelling presentations and reports
Reviewing and proofreading your writing.
Reading Skills
Reading skills include your ability to read and understand:
Forms, memos, policies
Graphs, charts, diagrams
Complex information such as journals and articles.
The level and type of reading requirements will vary based on the type of work that you do.
Listening Skills
Listening skills include verbal and non-verbal responses to show the speaker that you are engaged in what they are saying. Active listening allows you to hear, understand, and respond in a meaningful way to the speaker.
This is an important skill to help you build relationships and trust with managers, co-workers, and others you work with.
Active listening includes:
Paraphrasing what you heard the speaker say in your own words
Asking open-ended questions that allow the speaker to provide more information.
Limiting closed-ended questions (questions that require a yes or no answer)
Giving verbal and non-verbal feedback that shows interest in the speaker.
Non-verbal feedback such as nodding your head shows that you understand what the speaker is saying without interrupting them. It’s a helpful cue you give to the speaker. Other non-verbal cues include:
Smiling
Maintaining eye contact
Removing distractions such as your cell phone, papers on your desk, and closing your laptop.
Active listening allows you to focus on the speaker, listen, and understand another point of view. All skills that will help you to succeed in the workplace.
Speaking Skills
Strong speaking skills allow you to influence others such as managers, co-workers, and customers. Whether you manage a team or are a team member, speaking skills allow you to convey ideas effectively and persuade others. Speaking skills are helpful for most positions and important for any customer-facing role.
Developing “Soft Skills” in the Canadian Workplace
Many newcomers misread their struggle to acquire employment and look to add to their already long list of educational credentials. This is good, but you also need your soft skills to succeed.
Soft skills are a critical factor for success in Canada because when employers ask about “Canadian experience”, they are looking for candidates who can easily adapt to the workplace. They want assurance that you are a match for the job and the workplace culture. When looking for work in the Canadian job market, it’s vital to put your best foot forward.
What Exactly are Soft Skills?
Soft skills remain out of the grasp of many people because Canadians have difficulty articulating what “soft skills” actually include, beyond interpersonal skills. Hard skills are related to your technical ability, credentials, and relevant experience that you already have in abundance. On the other hand, soft skills, or people skills describe how you connect with others, build relationships, solve problems, and interact with others.
Certainly, communication skills are a part of the soft skills package, but it’s only a part. Within communication skills, is the capacity to network with others (which includes the art of small talk), effectively communicate (verbally and non-verbally), work in teams, collaborate with others, and demonstrate empathy. While your hard skills and resume will get you an interview, it is your ability to present yourself in the interview that will make you stand out. This is an important piece of the puzzle and without developing these skills, you may find it difficult to get past the initial interview.
How to Improve Your Communication Skills
Mastering your language and communication skills will help you when you apply to work in Canada. Employers will see your strong communication skills as a strength and help you to stand out among other applicants.
Many settlement services also provide free language instruction. Settlement agencies exist across Canada and can help you with many services such as job-specific language training to help you excel in the workplace.
Working in Canada | How To Get Your First Job In Canada
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.
When you’re comfortable with your communication skills, you will be more confident in job interviews. As well, strong communication skills will help you to excel in the workplace.
Government Language Skills Programs
The Canadian government funds many language programs. These programs are available through settlement services, or you can improve your language through the Language Instruction for Newcomers to Canada (LINC) program.
The LINC program provides free instruction to improve basic language skills such as speaking and writing in English or French. To find a LINC program, click on the links below for the province where you plan to settle:
Language classes that the government of Canada funds are:
Taught by qualified and experienced teachers
Available in a classroom with other students or online
Available to take full-time, part-time, and during the day, evening, or weekends.
You can take language classes at community organizations, schools, and colleges. Other benefits are meeting other newcomers and boosting your confidence when you take your language skills to the next level!
What is IELTS?
IELTS (International English Language Testing System) is a popular English language test commonly used by schools and organizations to assess and measure language skills. The IELTS test is also one of the language tests that Canada will accept for people who want to immigrate to Canada.
Some professions in Canada including, engineering, law, medicine, and teaching require a minimum IELTS score. For example, to work as a teacher in Ontario, you require a minimum IELTS score of:
6.5 for reading and listening
7 for writing and speaking.
Organizations like British Council IELTS can help you improve your communication skills with webinars, practice materials, tests, and free online courses.
Research your profession in Canada to see if you must meet an IELTS requirement.
Communication skills are important because they will ensure your success in the workplace. You can develop your communication skills at home, school, work, and in your community. And many people can help you to build these skills such as your family, friends, neighbours, and co-workers.