Canadian Life of Newcomer Канада


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New to Canada

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Helpful information if you’ve just arrived

Welcome to Canada! We hope you will quickly come to love your new home. Here you will find information on ways CIBC can help you save, borrow and manage your money. You will also find information about renting a home, making your money last, and more.

Build a solid financial life

Manage your financial future as you settle and grow in Canada. CIBC has financial advisors who help all newcomers including the affluent achieve their evolving financial goals.

Welcome to Canada Banking Package

Are you moving to Canada? Have you just arrived? Has Canada been your home for 5 years or less? CIBC has a special banking offer to help newcomers to Canada build a comfortable life.

Everyday Banking for Newcomers

If you’re a newcomer to Canada, you can get a CIBC bank account and pay no monthly fees for a year.

Credit Cards for Newcomers

As a newcomer to Canada, you can get a credit card from CIBC, as long as you have another banking product with us.

Mortgages for Newcomers

Are you a newcomer to Canada? Are you thinking about buying a home? CIBC offers a special Newcomer Mortgage.

Car Loans for Newcomers

As you settle in Canada, you may want to buy a car. Once you find the car you want, ask your dealer for the CIBC Auto Finance™ Newcomers Program. CIBC can help even if you have little or no Canadian credit history.

Banking for International Students

Take advantage of our banking package for international students. From textbooks to tuition, educations costs can add up. Let us help you spend and save – wisely.

Foreign Exchange

Get the foreign cash you need. CIBC offers cash in up to 75 foreign currencies.

CIBC Global Money Transfer

If you bank with CIBC, you can send money to someone in another country quickly and easily. There is no money transfer fee.

CIBC Smart™ Prepaid Visa* Cards

Prepaid cards are a great way to manage your money when you are shopping or travelling. CIBC offers two convenient and secure prepaid cards.

Saving for your future in Canada

Opening a savings account is a smart way to build money for your future in Canada. CIBC has many options for you.

Toronto Pearson International Airport

When you arrive in Canada, you will have some immediate financial needs. CIBC has six convenient locations at Toronto Pearson International Airport.


Advice and assistance you can count on

Banking glossary

As a newcomer to Canada, you may find some of the banking and credit terms confusing. Our Banking Glossary can help.

Checklist — Now that you are living in Canada

Welcome to Canada! Here is a checklist of things you should do as you begin your new life.

How banking works in Canada​

Find out how banking in Canada works. CIBC is here to help.

How to manage your money and make it last

Budgeting helps you make sure that you do not spend more money than you earn. Here are some tips to help you manage your money better.

Important things to do as soon as you arrive in Canada

Congratulations! Your new life in Canada has started. Here is a list of important things to do in the first few days after you arrive.

Renting a home in Canada

Are you a newcomer to Canada who is looking for a place to rent? This information will help you begin your search and understand how the housing rental system works in Canada.

What is credit?

Understanding credit and the importance of building a good credit rating when you’re new to Canada.

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Terms and conditions

1 Offer available on new CIBC Smart™ Accounts only. A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. The waived fees are the regular monthly account fee as shown in the Personal Account Service Fees brochure. Additional fee(s) apply to withdrawals from non-CIBC bank machines and transactions in foreign currency (including cheques written in currencies other than the account currency). These fees apply to all customers, including CIBC Advantage for Youth, CIBC Advantage for Students and CIBC 60 Plus Advantage customers. Although transaction fees, including for processing cheques, are waived for one year, a fee applies if you purchase a booklet of cheques. Fee waiver is in effect for one year, after which regular monthly and transaction fees will automatically apply without prior notice. The additional $1.50 service fee is waived for sending Interac e-Transfers. Each Interac e-Transfer you send counts as a transaction for calculating your monthly fee. Maximum savings amount based on the monthly account fee for Smart Account of up to $14.95, waived for one year (12-month time period).

  1. banking products are available only in Canada;
  2. posting information about banking products and services does not constitute a solicitation or an offer for the services or products; and
  3. readers should be aware that banking services and products offered may be subject to local laws and regulations and they should seek independent legal advice in relation to such services and products.

Interac® and Interac e-Transfer® are registered trademarks of Interac Inc. Used under license.

The Canadian newcomer’s Directory of Free

A gu > by Emmy Gnat Jun 27, 2020

Change is never simple, especially when it involves relocating your entire life to another country. New languages, different customs and dramatic climate shifts are only a few of the challenges immigrants and refugees face upon arrival to Canada. To help, we have created the MoneySense “Directory of Free” listing job, language and other free assistance programs in major cities across every province and territory.

Canada is known for its inclusiveness and multiculturalism, as evidenced by the widespread availability of free resources captured in the interactive chart below. For this exercise, we have identified five of the most important services as being career training, life skills, settlement services, community integration and language classes or conversation groups. These categories are covered in every province and territory, with the exception of Nunavut. There is also a variety of other services offered for free in select cities and provinces such as nutrition programs, youth groups, child care and early education, women’s support, counselling, family and parenting programs, senior- and refugee-specific programs.

The list is by no means exhaustive; there are lots of other programs available, but this guide highlights some of most crucial during these first years of in Canada. The government also offers many other free services, such as health care nationwide, but this list focuses on non-profit groups reaching out to directly help in their communities. The MoneySense “Directory of Free” is intended as a starting point for your research. It’s important that you do your due diligence and reach out to the organizations directly for more information.

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How to Work with a Canadian Financial Advisor

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Resolutions to Take You into the New Year:

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Quick Links

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Getting Settled in Canada: Checklist for Newcomers

Whether you’re coming to study, work, or start a new life for yourself, get settled in faster with our newcomer checklist.

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Settle into your life in Canada

Welcome to Canada! Now that you have made the move, the Scotiabank StartRight В® Program can make settling into your new life easier.

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Everything you need to know about credit

Now that you’re in Canada, you may have started hearing a lot about “credit.” Obtaining “credit” allows individuals to obtain a good or service before paying for it.

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Establishing a Healthy Financial Life in Canada


A Canadian credit profile and good credit score are important for a healthy financial life in Canada

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Start earning rewards with your credit card!

Once you start building your credit history with a new credit card, you can begin to earn rewards for everyday purchases, such as shopping for groceries and paying your bills.

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Establishing savings goals

You’ve taken a big step in moving to Canada and how you manage your money during your transition to your new country can be daunting.

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Have questions? We have answers.

Our StartRight ® Program support team is here to help.

Living in Canada – Life in Canada

Canadian Locations, Life and Jobs

Living in Canada: Your independent guide to getting the most out of Canada.

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Growing number of newcomers, refugees ending up homeless in Canada: studies

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‘There’s just not enough affordable housing options,’ expert says

A growing number of newcomers to Canada are ending up in shelters or are finding themselves homeless, newly released government figures show.

Two new reports released this week by Employment and Social Development Canada offer a glimpse into the extent of the homelessness problem across the country and reveal the populations that are most vulnerable.

The national shelter study, which looked at federal data on shelter users between 2005 and 2020, found an «observable increase» in refugees using shelters.

In 2020, there were 2,000 refugees sleeping in shelters, not counting those facilities designated specifically for refugees — an increase from 1,000 just two years earlier when the figures first began to be tracked.

Tim Richter, president of the Canadian Alliance to End Homelessness, said he believes refugees are being forced to turn to homeless shelters because of a lack of housing capacity in areas where refugees are settling.

«Many of them are coming to Toronto in Ontario, and to Quebec, and in those communities, the rental market is just really tight and we just don’t have the capacity to house them,» Richter said.

«Homelessness is a function of housing affordability, availability and income. When you’re new to Canada, you generally won’t have the income to be able to buy a house, and there’s just not enough affordable housing options.»

Canada has been experiencing an influx of asylum seekers crossing into Canada «irregularly,» avoiding official checkpoints between the Canada-U.S. border in order to file for refugee protection without being turned away under Canada’s Safe Third Country Agreement with the U.S. Over 46,000 irregular border-crossers have been intercepted by RCMP since early 2020.

Many of them have been staying in Toronto and Montreal to await the outcome of their refugee claims, which has put pressure on temporary housing capacity in those cities.

The city of Toronto estimated in late 2020 that about 40 per cent of people using its shelters identified as refugees or asylum claimants. Other Ontario cities have been asked to help relocate refugees in order to ease the burden on Toronto’s shelter system.

Meanwhile, a second study released this week by Ottawa that offers a «point-in-time» snapshot of homelessness in 61 communities also noted a trend of homelessness among newcomers.

It found 14 per cent of people who identified as homeless in 2020 were newcomers to Canada. Of that total, eight per cent indicated they were immigrants, three per cent identified as refugees and four per cent as refugee claimants.


The point-in-time study captures not only those using shelters, but also people sleeping on the streets, in transitional houses or staying with others. The 2020 study expanded its counts from 32 communities in 2020 to 61 in 2020.

Both studies also found Canada’s Indigenous Peoples remain vastly over-represented among the country’s homeless population. Almost one-third of shelter users and those counted in the point-in-time report identified as Indigenous, despite making up only about five per cent of the national population.

It’s a consequence of multi-generational trauma endured by Indigenous populations in Canada, as outlined in the findings of the Truth and Reconciliation Commission and the recently concluded inquiry into missing and murdered Indigenous women, Richter said.

«This will require specific focus and specific investment if we’re going to help these folks.»

For those who do find themselves without a home, either for short periods or for those who are chronically homeless, their realities are stark and can be deadly.

A memorial dedicated to homeless individuals who have died on the streets of Toronto currently lists close to 1,000 names. Many are identified only as «John Doe» with the date they died.

But Richter said he is hopeful that things will improve for Canada’s homeless.

He pointed to figures in the national shelter study showing an decrease of nearly 20 per cent in the overall number of people who accessed shelters between 2005 and 2020. Occupancy rates have increased over that period of time, however, due to a rise in the length of time people were staying in homeless shelters.

But many jurisdictions have been taking the issue seriously and making significant improvements, Richter said, pointing to a decrease in chronic homeless numbers in places like the southern Ontario communities of Chatham-Kent, Guelph, Kawartha and Haliburton.

«We’re seeing that it is possible, and we know how to do it, it’s just a matter of getting on with it,» he said. «I’m hopeful that we are going to see, now, consistent and focused trends going in the opposite direction.»

Canadian Life of Newcomer Канада

Congratulations! You have taken a big step. Moving to a new country takes courage. It also creates exciting opportunities and new beginnings. Taking the time to learn what to expect — and what is expected of you — will help you succeed. This guide tells you a little about what it’s like to live in Canada. It also lets you know who can help if you need more information. We hope it will help you adapt to your new life. Be assured that those who already live in Canada add their wishes for your happiness and success in your new country.

Your first year in Canada will be emotional and full of change. You may be looking for a place to live, a job, and schools for your children. You will probably make many new friends. Some of them will know how it feels to move to a new community or new country.

Regardless of your situation, being a newcomer may mean giving up some familiar things for a new way of life. As a result, you may feel anxious or afraid, especially during the first few days and weeks. Almost all newcomers experience these emotions as they settle in. Feeling at home in a new country takes time.

The best way to adjust to your new community is to become involved! Do not hesitate to speak English or French, even if you make mistakes. Understanding and speaking one of Canada’s official languages will help you adapt more easily. As you talk with the people you meet, you will feel more in control of your new life. Use each day as an opportunity to learn. Ask questions whenever you need to. Most people are pleased to help. Canadians believe in the spirit of community. No matter which city or town you choose to live in, you will find people who can help you adapt to your new life, and fit into Canadian society.

In the weeks, months and years ahead, you will have many opportunities to participate fully in Canadian life. Take them. You and your family can grow together, side by side with other Canadians, and make a better life for everyone. This is your new home. Welcome to Canada!

Top Banks for Newcomers to Canada

You’re lucky to be a proud new resident of Canada. You know why? Aside from the fact that Canada is an open, prosperous democracy that thrives on its diversity, that is.

Because we have one of the world’s – if not THE world’s – best banking systems. Our system of chartered banks combines the innovative range of products you would expect from a major bank in the USA, with the solid stability that our financial institutions have built up over the years. Canadian chartered banks weathered the 2008 financial crisis better than most. Are they as big as an HSBC or a Wells Fargo? No. But they’re every bit as good, and even more trustworthy, with solid financial structures that can weather most any event.

And Canadian chartered banks would love to have your business! All the major banks have special packages aimed at people exactly like you, who have recently arrived in Canada to start a new life with your families, or on your own. Here’s what they are offering:

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6. HSBC

They offer a variety of packages, but have fairly high requirements. HBSC Advance 1, for example, offers the following:

  • Chequing and Savings accounts;
  • HBSC MasterCard;
  • Personal Line of Credit;
  • Open your Canadian bank account from abroad before arriving;
  • Transfer your HSBC credit history to Canada;
  • View all your HSBC global accounts with one log-in;
  • Transfer funds instantly between your global HSBC accounts.

Sounds good, right? But wait. Here are the requirements: within 6 months of arriving in Canada, you must have a personal deposit or investment of at least CAD$25,000 or a Personal Mortgage Balance of CAD$150,000 or more, both with HSBC Canada.

5. Scotiabank

  • $300 when you open a chequing account eligible for the cashback.
  • Monthly fee waived when you maintain a daily balance.
  • VCredit Card.
  • Small Safety Deposit Box free for 1 year.
  • Car loan.
  • Mortgage.
  • Scotia iTRADE account with $1,000 investment earns 10 free trades.

Be sure to bring the following documents to prove your:

  • PR Card or one of Form IMM 5202, IMM 5688;
  • Valid passport, or Canadian driver’s license, or other valid photo ID.

Note: Scotiabank offers accounts for study permit and work permit holders as well.

4. CIBC

  • Everyday Chequing account with no fees for 1 year.
  • Unlimited Interac transfers
  • $55 cash back refund on a Safety Deposit box.
  • CIBC Advantage Debit Card.

3. TD Bank


  • A chequing account with no monthly fee for the first 6 months.
  • Savings account with a bonus interest rate for the first six months.
  • Unsecured TD Credit Card with no credit history with credit limit of up to $5,000.
  • International Money Transfers by Visa Direct with 1 transfer per month free of charge for first 6 months.
  • Possibility of mortgage with no credit history.

Be sure to bring the following documentation to prove you are eligible:

  • PR Card or one of Form IMM 5292, IMM 1442, IMM 1208, IMM 1202;
  • Passport, or Canadian Driver’s License, or Canadian Government >Be sure to bring the following documents to prove your:

  • PR Card or one of Form IMM 5202, IMM 5688;
  • Valid passport, or Canadian driver’s license, or other valid photo ID.

2, BMO Bank of Montreal

  • Your Performance Plan Chequing Account will be free with no fees for the first year, including unlmited transactions.
  • BMO NewStart Program includes your choice of type of BMO MasterCard Credit Card: BMO Air Miles MasterCard, BMO CashBack MasterCard, or BMO SPC Air Miles MasterCard.
  • You can send money to your family back home several ways: By opening your online banking account you can access Western Union from your computer and send money directly back to your home country; you can wire money through your local branch; you can send an Interac e-transfer within Canada.
  • Additional 0.25% interest on your 1 – 5 year GIC’s with a minimum $1,000 investment.
  • Free small-size Safety Deposit Box, or 25% off a larger Safety Deposit Box.
  • If you are arriving from China, you may open your Canadian bank accounts through the local BMO China subsidiary’s branches in Shanghai, Guangzhou, or Beijing before you land in Canada.

Be sure to bring the following documents so that you can prove you qualify:

  • Landed Immigrants: PR Card, or one of Form IMM 1000, IMM 1442, IMM 5292, or IMM 5688. Foreign passport or Canadian driver’s license.
  • Foreign Workers: IMM 1442 (Work Permit), Passport, employee ID card with photo.

1. RBC Royal Bank

  • Your first credit card with the bank comes with no credit history required and no annual fee (on select cards).
  • Your first mortgage also does not require a credit history. You must still meet financial eligibility metrics in both cases.
  • No monthly fees for your bank account for 9 months.
  • RBC International Money Transfer.
  • Your first car loan with no credit history required at 3,500 specified dealerships across the country.
  • Preferred exchange rates on foreign transactions for first 12 months after signing up for an account.
  • Preferred interest rates on Guaranteed Investment Certificates (GIC).
  • Small-size Safety Deposit Box with fees waived for up to 2 years.
  • $50 when you open up your first business account with RBC.

Be sure to bring the following documents to prove that you are a newcomer. Your

  • Landing Papers or PR Card, and
  • Foreign Passport.

Other Options

Tangerine and President’s Choice Financial are online, low-cost banks where you save on fees (which add up to a lot over time). If you’re comfortable doing your banking online from your home computer, then you should take a look at these two options. They may not have all the bonuses some of the big banks will give you, but you will spend less with them over the years.

A Note About Debit cards

Through the Interact payments system, most Canadians use debit cards when they shop. They are accepted just about everywhere in Canada, and all major banks and credit unions offer them. They link to your bank account and are NOT like Credit Cards. You need money in your bank account for your Debit Card to function. Get used to using your debit card; it’s part of life in Canada.

Services in Your Language

If you require foreign language services, many bank branches have bilingual staff in large urban centres like Vancouver or Toronto. This is not a guaranteed service however, especially depending on what language you speak, so you should be prepared to do your banking in English, or French, especially if you are not settling in a neighbourhood in Montreal, Toronto or Vancouver that has a lot of people who speak your language.

Comparing what each bank has to offer you as a client is vital. Shop around and get the best deal for your situation. While RBC has an impressive list of benefits, the flexibility of money transfer options offered by BMO might be more valuable to you. HSBC, on the other hand, is generally for higher net-worth individuals, especially ones who have previously banked with HSBC at one of its world-spanning web of subsidiaries. See what they each have to offer you as far as mortgages are concerned. DO NOT be shy! It’s your money they will be taking care of, and you have every right to ask as many questions as needed in order to feel secure you’ve made the right choice.

Where should I live in Canada? — A Guide for newcomers

W hich Canadian cities are the best for visiting or studying? For business or creating a company? How about for those who are looking to start a family? This article is for you.

by Anette Jingco

Choose a city you are interested in learning about:

Toronto, Ontario

Toronto, Canada’s most populous city, is a very desirable destination for immigrants. The city prides itself on its diversity — almost 50% of Torontonians are immigrants. Toronto is home to many ethnicities, including, Chinatown, Koreatown, Greektown, and Little Italy. Due to the large nature of the city, you are sure to find a community that you can identify with.

Although the cost of living in Toronto is higher than other Canadian cities, Toronto has a flourishing economy and a broad network of professionals — making the city perfect for career-driven individuals in any field.

In particular, Toronto is seen as Canada’s financial capital. In the city’s Financial District, you will find many companies, brokerage firms, as well as, the Toronto Stock Exchange — the world’s 7th largest stock exchange. Toronto is also home to many powerful companies such as Bell Media, Rogers Communications, Toronto Star, Four Seasons Hotels and Fairmont Hotels and Resorts.

The city is also an education, research, and innovation hub, as many major world-recognized universities and research institutes are based in Toronto.

Vancouver, British Columbia

Vancouver is a cosmopolitan city surrounded by nature, just off the shore of the Pacific Ocean. With its lush forests, open spaces and Pacific backdrop, it comes as no surprise that Forbes named it one of the most beautiful cities in the world. As such, Vancouver is perfect for anyone who enjoys the outdoors. From whale watching to hiking, you’ll never get bored in this city.


As such, tourism is a large source of income for the city. It welcomed approximately 10.3 million tourists in 2020.

Vancouver is also a leader in the lifestyle industry. Many of the world’s favorite apparel and accessory brands, like Aritzia, Lululemon and Hershel were all founded in Vancouver. On top of this, forestry is also a vital part of the city’s economy. In fact, many forestry companies are headquartered in Vancouver.

Lastly, it consistently ranks high in terms of livability by media companies, such as The Economist and Mercer.

Montreal, Quebec

Montreal is a beautiful and cultured city. Located in the province of Quebec, the primary language in this city is French. Many people, however, are bilingual.

Montreal is home to some of North America’s lowest rent rates. It has a relatively low cost of living in comparison to other cities — as seen in the price of things like tuition, utilities, and transit. In fact, Montreal’s public transit system is cheaper and far more extensive than Toronto, it’s neighbor to the west.

In terms of education, Montreal has some of the lowest local tuition rates in the country. McGill University, considered one of the best universities in Canada, is located in Montreal. The institution is best known for its medicine, science, engineering, law and management faculties.

Calgary, Alberta

Due to their strong, growing economy, Calgary is a popular city for new graduates — particularly those in energy or business. Many major corporations, including the TransCanada Corporation and Petro Canada — are headquartered in Calgary. Calgary is located in the province of Alberta — a region that is known for its plentiful oil reserves. In fact, it’s oil reserves are the largest in North America.

Moreover, in Alberta, Calgarians do not have a provincial sales tax. Therefore, residents of the city only have to pay the 5% federal Goods and Services Tax (GST) — a very small number when compared to other major Canadian cities.

In terms of the environment, Calgary is one of the cleanest cities in the world. The city does not experience much air pollution. Believe it or not, the city actually has fines for littering.

On top of this, Calgary also has a strong culture. Sometimes referred to a “Cowtown”, it holds the famous Calgary Stampede yearly. The event features the world’s largest rodeo, concerts, a midway, First Nations exhibits, and chuckwagon racing.

Edmonton, Alberta

Once called the “Oil Capital of Canada,” Edmonton also has a strong oil and gas industry. Edmonton is located in Alberta and as mentioned, the province has very large oil reserves.

Edmonton, however, has one of the most diverse economies in the nation. The city also has a strong agriculture, technology, business, and finance sector. Therefore, immigrants are likely to settle in Edmonton with ease as the city has numerous employment opportunities.

Edmonton residents enjoy some of the highest incomes in all of Canada. This, coupled with their reasonable cost of living and lack of provincial sales tax (PST), means that Edmontonians have a higher disposable income than other Canadian cities.

In terms of entertainment, Edmonton is great for its festivals, cultural scene, and shopping malls. In fact, the city is known for the West Edmonton Mall, the largest mall in North America. The mall comes complete with an indoor roller coaster, amusement park, swimming pool, water park, and skating rink.

Ottawa, Ontario

As the nation’s capital, Ottawa is a key place to be for anyone interested in a career in public service. Being the capital, the city also experiences a lot of tourists. Its place in Canadian tourism is understandable, as there are many beautiful places to explore, such as Byward Market, Neapan Hill, Parliament Hill, and the Rideau Canal.

With a population of under a million people, Ottawa has a small town flair with elements of the big city. Moreover, Ottawa is a great place to raise a family as the city enjoys some of Canada’s lowest crime rates in the country.

Located minutes within Quebec, this city is also a great option if you are bilingual or interested in learning the French language in the future.

Halifax, Nova Scotia

Located near the Atlantic Ocean, this city is one of the largest in Canada’s maritime region. The city’s small-town atmosphere, resident hospitality, and scenic harbor views make it a very pleasant place to live for those who prefer a more relaxed lifestyle.

Although it is a smaller city, there is definitely no shortage of things to do! You can spend your weekends exploring a plethora of beaches and parks. Moreover, there is plenty of good food in Halifax, particularly seafood. People often cite the city as having the world’s best lobster.

Lastly, Halifax is a university hub. It has many post-secondary institutions, including the largest university in Atlantic Canada, Dalhousie University.

Quebec City, Quebec

Quebec City is a historical area known for its beautiful architecture and lively festivals. As with Montreal, Quebec City’s primary language is also French.

Quebec City is cited as one of the most affordable places to live in Canada. As with Montreal, this city has relatively low tuition prices and rental rates, as well.

As the capital city of the province of Quebec, the government is one of the city’s largest employers. Quebec City is also a prominent business hub. Many companies such as Industrial Alliance, Cossette, and Ubisoft have headquarters in Quebec City.

Quebec City is calling for more new immigrants! There are currently 17,000 job openings in and around the city.

Winnipeg, Manitoba

Winnipeg’s small-center atmosphere is a popular selling point for new immigrants who want a more relaxed lifestyle. Overall, the province has a lower cost of living in comparison to other provinces.

Winnipeg is located in Manitoba — a very welcoming province for newcomers. Canada’s first Provincial Nominee Program (PNP) was actually created in Manitoba. The city has welcomed 200,000 immigrants over the past 10 years.

Within Winnipeg, strong economic sectors include agriculture, technology, and insurance. There is a high demand for those with computer development skills. Moreover, it is the headquarters of Great-West Life, one of Canada’s largest insurance companies.

With the highest immigrant employment rates in the country, newcomers are sure to are sure to adjust well to their new life in this city. In fact, the immigrant retention rate in Manitoba is 89%.

If you’re looking to move to Manitoba, you’re in luck. Earlier this year, Manitoba actually increased its cap of immigrant nominees under the Manitoba Provincial Nominee Program (MPNP). They will be allowed to nominate 5,700 individuals for the immigration — a 14% increase from their previous cap of 5,000.


Waterloo, Ontario

If you are interested in tech, Waterloo is the city for you.

Waterloo is often called the Silicon Valley of the North. This nickname is fitting given the fact that it has the world’s second largest startup density.

As such, Waterloo is constantly looking for top talent. Some notable tech companies hiring in the Waterloo area include Google, Blackberry, Shopify, Intel, and McAfee.

Waterloo also has a booming startup scene. In fact, over the last six years, 1,895 new startups were created in the Waterloo region and have attracted more than $670 million in investment.

Long before it became one of the nation’s most popular tech hubs, however, Waterloo has always had a prominent finance and insurance sector. Many employers, including Sun Life Financial, Manulife, Bank of Montreal and KPMG are hiring in the city.

Moreover, the city has three world-renowned think tanks, including the Perimeter Institute for Theoretical Physics, the Institute for Quantum Computing and the Centre for International Governance Innovation.

The city is also home to prominent universities such as Wilfrid Laurier University and Waterloo University.

Hamilton, Ontario

Hamilton juxtaposes natural attractions with suburban life — making it the place for people who want the best of both worlds. Located in Canada’s Golden Horseshoe, the nation’s most industrialized region, it comes as no surprise that Hamilton attracts a lot of new immigrants. Popular attractions include the Royal Botanical Gardens, Webster’s Falls and Albion Falls. It’s also an hour’s drive to Niagara Falls.

Hamilton’s housing market is much more affordable in comparison to other cities in Ontario. In fact, the average family living in Hamilton spends around $55,000 to $65,000 annually.

Hamilton has a significant manufacturing sector; 60% of Canada’s steel being produced here. A huge contributor to the city’s economy is also McMaster University, one of Canada’s leading universities. The institution is known for its science programs. In fact, it’s undergraduate Health Sciences program is one of the most prestigious and competitive programs in the country.

Kingston, Ontario

Kingston is a city on the shores of Lake Ontario with a unique geographic landscape and historical architecture. With a population of approximately 100,000, Kingston is perfect for anyone who prefers the more peaceful lifestyle in a medium-sized city.

Despite its size, however, Kingston is rich in history — it once served as Canada’s capital city. Many popular attractions including Fort Henry and Kingston Mills serve as UNESCO World Heritage site.

The government is a large employer in the region. From it’s 4 hospitals to Queen’s University, many Kingston residents are in the public services sector. From the student side, however, Kingston’s Queen’s University has always been a popular choice for undergrads and post-grads alike. It’s business and commerce program is well-known nationally for producing top business talent.

St. John’s, Newfoundland

St. John’s is a picturesque coastal city located on the shores of the Atlantic Ocean. It’s colorful row houses, overlooking St. John’s Harbour looks straight out of a Hollywood film. Top attractions include Signal Hill, Cape Spear, and The Rooms.

St. John’s has some of the lowest cost of living in Canada, offering residents with a very affordable quality of life. The city’s economy is strongly fuelled by its vast fishing industry. However, the province it’s located in, Newfoundland and Labrador also have a prominent mining sector. St. John’s produces 50% of Canada’s iron supplies. Due to this, there is an ongoing need for skilled workers.

Interested in moving to Canada?

Meet Destin AI , Canada’s unique artificial intelligence-powered platform and bot solution for immigration. By streamlining the immigration & visa processes, it creates a pleasant experience for everyone who is eager to come to Canada — be it for travel, study or work.

Destin AI’s messenger based bot offers a complimentary eligibility check that only takes a few minutes. Destin AI’s integrated web platform can also help you find an experienced immigration specialist tailored to your language preferences and immigration needs.

How can you ease your settlement in Canada?

You have prepared the proper immigration forms and received your entry visas to live in Canada, but how do you prepare for what you will face when you arrive?

Our Settle section aims to provide you with the tools, resources, and information needed to ensure your successful integration into Canadian society and the Canadian workforce.

This information will help you make key decisions and address some of the following questions:

  • Where will you live?
  • How do you apply for health care coverage?
  • How do you find work?
  • How do you manage finances?
  • How do you enter the housing market?
  • What sort of weather can be expected?
  • How do you get a drivers license?
  • Where will your children go to school?
  • What do you do in the event of an emergency?

We have designed our content to allow you to easily take advantage of the experience that we’ve gained over the years by working closely with individuals and families coming to Canada for the first time. We have also developed partnerships with a number of public and private sector institutions and organisations with many years of experience in assisting newcomers to Canada.

If you are still working on applying for the proper visas or permits to come to Canada, please fill out a free assessment to learn more about your options for immigration to Canada

Do you want to learn more about Canada?

Coming to Canada as a permanent or temporary resident might seem intimidating. If you have never been to Canada before, you might expect to face some new situations when you arrive. Fortunately, we have compiled a number of guides to assist you with this process.

Get started by checking out our list of landing guides for individual provinces and territories, or go directly to one of our most popular pages on settlement In Canada.

Life in Canada

In order to help you determine where you would like to live in Canada, we have put together a number of pages about each province and territory in Canada. These pages will introduce you to economy, geography, culture, politics, health care systems, and education systems of each province and territory.

Working in Canada

If you have already been approved for permanent residence, or if you are simply interested in coming to Canada on a temporary basis, our site has a number of resources to help you line up a job before coming here. Finding work in Canada ahead of time can fast-track your Canadian immigration application process, as well as prepare you for a quick transition into the Canadian workforce once you arrive. Securing a job can also allow you the freedom to plan for your new life in Canada while having the peace of mind that you are already employed. Click here to learn more.

Canadian Permanent Res >

Canadian permanent residence comes with certain rights and obligations. We have compiled some helpful information about your Permanent Resident Card and what to do in the event that you find yourself outside Canada without it and need a Temporary Travel Document.

Canadian Citizenship

After four years of living in Canada as a permanent resident, you may qualify to become a Canadian citizen. Learn more about the various aspects of Canadian Citizenship, and to see how we can assist with your citizenship application.

Education in Canada

Whether you plan on studying in Canada, or have dependents who may be attending school in Canada, getting to know how the Canadian and provincial education systems operate will be an important aspect of settling into Canadian life.

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