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Most Popular Reads for Newcomers to Canada in 2023

Most Popular Reads for Newcomers to Canada in 2023

A young Asian woman is reading most popular stories about Canada on her mobile phone.

For newcomers getting ready to move to Canada, careful research is part of the process so we want to share our 10 most popular reads in 2023. From renting a place to live to researching landing cities, to learning how to continue your career in Canada. Whether you’re coming to Canada as a Permanent Resident or an international student, quickly learn what information our Prepare for Canada readers want to know more about. With Canada ready to welcome 485,000 newcomers in 2024, we think our “most popular” shortlist can help you make vital decisions as you continue your journey to Canada!

For newcomers, finding a place to live is a key priority. And, if you are researching the housing situation in Canada, you likely know that housing is a hot topic because of a supply issue. From limited availability to affordable housing options, finding suitable housing can be the biggest challenge that newcomers face. We’re not surprised that these housing posts were among some of our most popular reads in 2023:

  1. Accommodation in Canada | Options and Solutions for Newcomers

2. How to Find Accommodation in Canada with Rentals for Newcomers

Finding housing that meets your unique needs may be more challenging in gateway (point-of-entry) cities like Toronto, and Vancouver. In these gateway cities, the price of renting or buying a house is expensive and can create financial stress. However, secondary cities such as London, Sudbury, or Winnipeg may be worth exploring before you arrive in Canada. More affordable housing options are often the appeal to newcomers, especially if you desire to buy a home when you arrive.

Condos in London, Ontario on a bright sunny day.

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Choosing a city to settle in Canada is a vital factor in your personal, social, professional, and financial success. Many mid-sized and small cities across Canada are actively working to attract newcomers to build diverse, dynamic, and thriving communities. The City of Sudbury, for example, is one of 11 cities participating in the Rural and Northern Immigration Pilot program to attract skilled workers who want to live in smaller communities.

A key advantage to exploring secondary cities is that they provide more affordable housing options. With lower housing costs, more of your paycheque can go toward achieving your dreams and goals for life in Canada faster! Check out our most popular stories about cities in Canada:

3. What to Know About Living in Sudbury, Ontario

4. What to Know About Living in Winnipeg, Manitoba

5. What to Know About Living in London, Ontario


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Along with researching housing costs, it’s equally important to research your profession in Canada. Combining professional opportunities in lower-cost secondary cities can be the key to your financial success in Canada. With healthcare included in the newly created Express Entry category-based selection process, this might explain these popular career-related posts:

6. Medical Laboratory Technologist Jobs, Salaries & Careers in Canada

7. Biotechnology Job, Salaries, and Careers in Canada | What Newcomers Must Know

8. Nursing Jobs in Canada | What You Require to Work

The 2023 Express Entry categories include French-language proficiency, healthcare, science, technology, engineering, and math (STEM), trade, transport, and agriculture and agri-food occupations.

Discover more information for more than 20 different occupations in Canada in our Career Pathways portal.

A traffic sign with the words Career Path Ahead is among office towers in city.

Rounding up our 10 most popular stories of 2023 includes practical information about financial resources and shipping your belongings:

9. How Much Money Will I Need to Bring to Canada

10. Goods to Follow | Bringing Your Goods to Canada

If you’re among the many who will build a new life and continue your career in Canada, we hope these 10 most popular reads of 2023 will help guide you!

Settling in Canada with Confidence and Ease

Black Friday Sales | Tips to Stay on Budget

Black Friday Sales | Tips to Stay on Budget

Man loading a TV set in car from a Black Friday sale in Canada

What is Black Friday?

The Black Friday sale in Canada is a bargain shopper’s delight! It marks the official date for retailers to launch some of their best sales of the holiday season. If you’ve recently arrived in Canada, you may be curious about all the hype surrounding Black Friday. You can expect to find great deals with discounts that range from 20 – 60% off the original price. This shopping event is called Black Friday because it used to mark the day when retailers started to make a profit and move their books from red (losses) to black (profit). 

Black Friday also used to be a one-day sale event. But in recent years it has turned into a lengthier period that is book-ended by Cyber Monday. During the Cyber Monday shopping event, you can expect to get the best online sales and discounts.

The holiday season is the busiest time of the year for retailers in Canada. Black Friday sales are usually when people begin their holiday shopping.  

During the holiday season, it’s easy to get caught up in the excitement and emotion of the season. The sounds of holiday music, the pretty store windows, and the allure of flashy red sale signs can encourage all of us to overspend.  So, it’s important to follow money-saving tips to avoid cutting into your essential spending needs. And when you carefully manage your spending, you’ll avoid the blues that hit when your credit card bills arrive in January.

When are Black Friday Sales and Cyber Monday Sales in Canada?


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In 2023, Black Friday sales occur on Friday, November 24. However, many retailers start launching early sales. So, you may want to watch out for these sales to avoid stock issues.

Cyber Monday takes place on Monday, November 27, 2023. For this event, online retailers promote one-day deals to get people excited. However, as you can see Black Friday sales start before the event, Cyber Monday sales can extend for the rest of the week.  

7 Tips to Stay on Budget When Shopping Black Friday Sales in Canada

To get the best of the Black Friday sales in Canada, you have to be wise about your shopping approach. These tips can help you get the best deals and manage your spending. And, with inflationary pressures facing many Canadians, it’s important to avoid overspending.

Tip 1: Create a Budget and Track Your Spending

It’s a great feeling to show your family and friends that you love them with thoughtful gifts. But, creating a holiday budget and tracking your spending is important to help you save money. When you budget, it’s easier to keep your spending under control. While giving gifts during the holiday season feels good, it’s important to remember how much you need to spend on other essentials such as rent and utility bills.

To avoid overspending and impulse buying, decide how much you can reasonably spend without racking up your credit. When you set an upper limit on how much you can spend, it will be easier to avoid caving in and impulse buying. You’ll appreciate this discipline in January when your credit card bill arrives! 


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Tip 2: Understand What’s Behind “Doorbuster” Promotions

Black Friday doorbuster sale sign in a department store
Retailers attract shoppers with loss leaders to attract customers.

Retailers often attract shoppers with loss leaders. This is a pricing strategy where retailers sell popular items at a loss to attract customers. While shopping, customers are likely to buy other items and increase sales of other items that are more profitable for the retailer. So, be prepared to show spending discipline. That discounted TV is only a great deal if you avoid spending hundreds of dollars on extra purchases that you may not need. 

When buying big-ticket items, retailers may pressure you to buy an extended warranty. Find out what the warranty period is on the product, and whether or not your credit card company provides purchase protection. Extended warranties will increase your costs.

Don’t forget to track your spending. Without tracking, you’ll quickly overspend your budget. To track your spending, consider using online budgeting tools, or create a simple spreadsheet. Your shopping budget will help you avoid overspending on Black Friday or Cyber Monday sales events.

Tip 3: Be Wary of Store Credit Cards Promotions

While you’re shopping at your favourite store you may be enticed to sign up for a retail credit card. Because in many cases, the retailer will offer you an additional discount just for signing up. However, retail credit cards usually come with higher interest rates. For example, a typical credit card can have an interest rate of 19.99%. However, a retail credit card interest rate can be as high as 30%. And with inflation remaining at an all-time high in Canada, credit card purchases can get very costly.

So unless you pay off your store credit card in full each month, you will pay more in credit card interest than your savings on those Black Friday sale purchases.

If you’re a newcomer, it’s important to build a good credit history, especially if you want to make a major purchase such as buying a home or a car in the future. However, according to CreditCardsCanada.ca, store credit cards carry less weight than standard credit cards on your credit score. 

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Tip 4: Shop Around to Find the Lowest Price

Do some comparison shopping before you hit the stores and pull out your wallet. Ask yourself if you can buy the same product at a lower price elsewhere. Not only will buying at a lower price save you money, but many retailers also offer the lowest price match.

Most Canadian retailers have price-matching policies. For example, if you find a lower price for the same product, retailers may:

  • Match the competitor’s price
  • Match the lower price and beat it by 10 – 15%
  • Honour a price match for anywhere between 30 days and up to one year after your purchase.

Make sure to keep your receipts to take advantage of price-matching offers after your purchase. It’s worth the effort to shop around for the lowest price. However, retailers often have rules attached to their price match policy. For example, the product: 

  • Must be the same model and be in stock 
  • May be excluded from price matching offers for Black Friday or Cyber Monday sales.

Also, a price match may not apply to limited-time or quantity promotions. So be sure to ask the store about their price-match policy, or read the fine print on their store receipt.

Tip 5: Use Websites and Apps to Track Black Friday Sales

Another way to stretch your budget and save money is to use websites and apps to track prices leading up to Black Friday sales in Canada. That way you can see if the sale price is as great as it seems. Websites such as Google Shopping, PriceBat.ca (electronics), and Shopbot.ca allow you to compare retail prices all in one place.

Many retailers also have their shopping apps that allow you to shop online for deals.

Tip 6: Use Your Loyalty Programs for Additional Black Friday Savings in Canada

Credit card reward and store loyalty programs are very popular in Canada. So, if you have rewards from your credit card provider or favourite store, the holidays may be a great time to use them. And if you’re a member of a store loyalty program you may even get Black Friday shopping alerts with access to coupons or other promotions such as free shipping.  Some loyalty programs may offer extra deals on Black Friday.

Tip 7: Know You Will Find the Best Deals on Black Friday in Canada

While you can find Black Friday sales in Canada before November 24th, retailers announce their biggest deals usually around 12:01 am on Black Friday morning. Many brick-and-mortar stores will seal boxes and keep inventory in back rooms until November 24th to avoid disappointing shoppers if they are low on stock. This same approach applies to announcements for online deals on November 24th.

When you follow these Black Friday sales tips, you’ll stay on budget, and most importantly, reduce the stress that comes with holiday spending.

For more information about your financial first steps in Canada, visit our banking in Canada resource page. Get the essential information you need to manage your finances in Canada!

When to Refuse a Job Offer in Canada & Keep Looking

When to Refuse a Job Offer in Canada & Keep Looking

A young woman is composing an email to politely refuse a job offer

It feels great to get to get your first job offer in Canada, especially if you have been job searching for a while. And, it’s helpful to gain Canadian work experience! However, it’s important to make thoughtful decisions when facing a job offer that may not be a fit. You may want to refuse a job offer for several reasons. For example, the job may not align with your long-term goals or the organizational culture doesn’t align with your values. Navigating the job market can be challenging, but when you understand when and how to refuse a job offer in Canada, you’ll make smart career decisions. Keep reading to gain insights on how to politely decline a job offer. When you refuse a job the right way, you’ll maintain professional relationships, and leave the door open for future opportunities!

Understanding the Importance of Making the Right Decision

Accepting a job offer in Canada is exciting and it allows you to start a new chapter in your professional life. However, it’s equally important to recognize that not all job offers will be a perfect fit for you. Making the right decision and knowing when to refuse a job offer can save you from potential disappointment and ensure that your career remains on the right track. Or, you may need a survival job, especially in the first few months after you arrive in Canada. Only you can decide the best approach for your unique needs.

Signs that You May Want to Refuse a Job Offer

When you receive a job offer, you need to assess whether the role aligns with your long-term goals and aspirations. Signs that indicate you may want to refuse the job offer include:

  • Lack of growth opportunities
  • Company culture doesn’t align with your values
  • Low pay
  • Mismatch of your skillset for the job (i.e. overqualified or underqualified).

By recognizing these signs to refuse a job offer, you can make an informed decision that will benefit your career in the long run.

Factors to Consider Before You Decline a Job Offer


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Before you decline a job offer, consider these factors that may influence your decision. Ask yourself if the offer aligns with your career goals, values, and personal circumstances. Evaluate the company’s reputation, financial stability, and growth potential. Additionally, consider the location, work-life balance, and potential for skill development. By carefully weighing these factors, you can make an informed decision that supports your professional growth and satisfaction.

Consider if the job matches your skillset. If you think the job may be too challenging, you might want to think twice before you accept the job offer. If the role is too challenging, it may cause undue stress. However, if the company wants to hire you, they must be confident in your ability and qualifications for the role. So, take a second look at yourself to see if you are up for the challenge. You may surprise yourself!

If you are overqualified for the role, then you may be dissatisfied with the role and you may want to leave after a shortperiode. Only you will know how to best handle this situation and a job that is too easy is better than a job that leaves you frazzled at the end of the day.

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Explore Your Options Before You Reject the Offer Letter

Before outright refusing a job offer, carefully review the job terms in the offer letter. Perhaps your job title doesn’t match your experience. Or, you would higher pay. You may be able to negotiate your salary or other aspects of the job offer such as benefits, or work hours. If the company is open to negotiating the terms, it may be possible to find a compromise that meets your needs. Additionally, it’s worth considering if other positions within the company may be a better fit for your skills and career goals. By exploring these alternatives, you can potentially turn a less-than-ideal offer into an opportunity that aligns more closely with your career goals.

First 90 Days in the Canadian Workplace | Success Tips


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Working in Canada | A Guide to Find Your Dream Job

How to Politely Decline a Job Offer

Tactfully declining a job offer is essential to maintain professional relationships and leave the door open for future opportunities. Start by expressing your gratitude for the offer and the time and effort invested in the interview process. Be honest about your reasons for declining and focus on the factors that do not align with your long-term goals or values.

Keep the conversation positive and professional. By politely declining a job offer, you’ll demonstrate a professional image and leave the door open for future possibilities. Use professional language and maintain a respectful tone throughout the conversation.

Keep in mind that the job market is a small world, and maintaining positive relationships can benefit you in the future. Leave the employer with a lasting positive impression! If appropriate, offer to stay in touch and express your interest in future opportunities.

Seeking Professional Advice When Unsure About Refusing a Job Offer

If you find yourself unsure about whether to refuse a job, seeking professional advice can provide valuable insights. Reach out to mentors, career coaches, or industry professionals who can offer guidance based on their experience and expertise. Many settlement agencies in Canada offer job search services. Settlement counsellors can help you assess the offer and provide objective perspectives to help you make an informed decision. By seeking advice, you can gain clarity and confidence about your decision.

Summary

Navigating the Canadian job market can be challenging. When you understand when and how to refuse a job offer, you’ll make the right decisions so you can successfully achieve your career goals. It’s vital to assess signs that indicate you may want to decline the job offer. Consider the factors that may influence your decision, and handle the process with professionalism and effective communication. Seek professional advice when needed, and make it a priority to make the best decision for a fulfilling career journey in Canada.

Student Accommodation in Canada | Factors to Consider

Student Accommodation in Canada | Factors to Consider

Young men and women are relaxing in the kitchen of the shared student accommodation.

Finding the perfect student accommodation is a vital part of the university experience. But, it can be overwhelming to know where to start. This overview will help you understand your housing options and important factors to consider before you leave for Canada. From determining your budget and location preferences to understanding different types of student housing, you’ll get smart tips to help you choose student accommodation that meets all of your needs.

Whether you’re looking for a dorm room, shared apartment, or private rental, our guide will equip you with the knowledge and resources to make an informed decision. We’ll also highlight important considerations such as safety, amenities, and proximity to campus.

With this guide, you’ll have everything you need to find the perfect student accommodation that fits your lifestyle and preferences and enhances your university experience.

Why is it Important to Find the Perfect Student Accommodation?

Choosing the right student accommodation is more than just finding a place to live. It is about creating a safe and comfortable environment that will allow you to thrive academically and socially. Your student accommodation will be your home for the next few years, and it is essential to choose a place that meets all your needs.


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Your accommodation can impact your academic performance. Living in an environment that is conducive to studying can make a significant difference in your grades. A comfortable and quiet space can help you focus and concentrate on your studies. Your student accommodation can also impact your social life. Living in a place that is close to campus and social amenities can make it easier to participate in extracurricular activities and make new friends.

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Factors to Consider When Choosing Student Accommodation

Choosing the right housing can be daunting, but it doesn’t have to be. Here are some factors to consider when choosing student accommodation:

What’s Your Budget?

The first step to help you find suitable student accommodation is to consider your monthly budget. Once you determine how much you can afford, you can start your search for housing.  Consider your living expenses, including rent, utilities, groceries, entertainment, and transit costs. It’s essential to budget for all expenses to manage financial stress and focus on your studies. 

If you plan to work part-time in Canada, you can generate extra income and help cover your housing costs. However, most students still have to pay close attention to their budget when searching for student accommodation. 

International students can work up to 20 hours per week if:


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Is the Cost of Student Accommodation Important to You?
✓ Yes, I need the cheapest accommodation I can find
✓ No, I can afford a more expensive place
✓ I have some extra money, but I have to be careful
✓ I’d rather pay a bit more for a nice place to live
Consider how important the cost of student accommodation is to you.

How Much is Student Housing in Canada?

The price of student housing depends on factors such as the city, neighbourhood,  type of housing, on-campus versus off-campus housing, etc. Sharing accommodation is likely the most affordable option. Generally, you can expect to rent a room in the range of  $500 – $1,000 per month if you are sharing accommodation. However, if you are attending school in a large city such as Toronto or Vancouver, you can expect to pay higher rent.  If you’re searching for student housing in a smaller city, the cost will likely be lower. 

Is the Location Convenient and Safe?

Location is another critical factor to consider when choosing student accommodation. Living close to campus can be convenient, especially if you have early morning classes. 

The travel distance to school may be a critical deciding factor for you. Or, you may be swayed by lower-cost student accommodation located further away from school. However, if the travel time and distance are significant, it may cost you more time and money. Check local public transit schedules and routes to ensure travel time and cost are reasonable.  

Living in a safe and secure neighbourhood is essential for your well-being. Consider the proximity of your accommodation to public transit, social amenities, grocery stores, pharmacies, and healthcare facilities

Is Being Near Campus a Deal Breaker for You?
✓ Yes, I prefer to live on campus so I don’t have to wake up too early for classes
✓ No, I want to get off campus when I’m not studying
✓ Definitely, it might be unsafe to live off-campus
✓ I want to live where other students live
Consider how important location and proximity to school are to you.

What Type of Student Accommodation Do You Need?

There are different types of student accommodation available, including dormitories, shared apartments, and private rentals. Each option has its advantages and disadvantages. Consider your lifestyle and preferences when choosing the type of accommodation that suits you best.

Student Accommodation Options

There are different student accommodation options available. Here are some of the most common options:

On-Campus Housing (Residence or Dormitory)

A male student is studying in a dorm room and using his smart phone in on-campus student accommodation dorm room.
Dorms usually offer students either a private or shared room.

Living on-campus in a dormitory (also known as dorms) is a common type of student accommodation. Dorms can provide students with a private or shared room. Living in a dorm can be a great way to meet new people and participate in campus life. And, living with fellow students can provide a supportive environment that encourages academic success.

Dorms are usually affordable and include amenities such as common areas, laundry facilities, and study spaces.

However, living in a dormitory can have its challenges. You may have to share living spaces with several other students, which can be noisy and disruptive. Moreover, dormitories can be restrictive in terms of rules and regulations.

PROSCONS
AffordableLimited privacy
Convenient locationNoisy and disruptive living environment
Access to campus amenities (library, fitness centre, cafeteria, etc.) Restrictive rules and regulations
More opportunities to participate in campus lifeLimited space

Off-Campus Student Housing (Private Rentals)

Private rentals are another option for students. Usually found off-campus, living in a private rental can offer more privacy and independence. Compared to living in a dorm, private rentals are generally more flexible in terms of rules and regulations. 

Apartments are often the first choice when it comes to private rentals. However, you may want to explore other types of housing such as homes, townhouses, and basement apartments

Living in a private rental can be expensive, and you may have to cover additional expenses for furniture and small appliances. To manage high rental costs, many students opt to share accommodation. 

You can also search for rentals in student-friendly neighbourhoods that surround colleges and universities. These neighbourhoods can provide accommodation that is close to campus, and offer easy-on-the-wallet restaurants, pubs, cafes, and shopping. Look for rental listings that indicate how close it is to the school that you plan to attend.  

PROSCONS
More privacy and independence Expensive
More spaceAdditional expenses for furniture and small appliances
More flexibility in terms of rules and regulationsLimited access to campus amenities
Greater control over your living environmentLimited opportunities to meet new people

Homestay

A homestay allows international students to live with local families instead of living with other students in Canada. Homestay hosts can include couples, families with children, retirees, and individuals. While there are different homestay options to consider, generally you can expect a private bedroom with room for your clothing, a quiet place to study, internet, laundry facilities, and meals. 

Hosts are also expected to provide safe accommodation and introduce their guests to Canadian life and culture.

Universities can pair international students with host families or retirees within the local community who may have space in their homes to rent out at an affordable rate.

PROSCONS
Opportunity to be part of a family unitCan be expensive

Supportive environment with home-cooked mealsWon’t be living on campus like other student accommodation
Opportunity to immerse yourself in local culture and activitiesMust respect host family boundaries (cleanliness, guests, etc.) 

Shared Accommodation

Sharing accommodation off-campus is another popular option for students. ed apartments are another popular option for students. Living in a shared apartment can be a great way n excellent way to live independently while still having the support of roommates. Sharing accommodation can also help you create meaningful relationships and foster a sense of community.

However, living in a shared apartment can have its challenges. You may have to deal with conflicts with roommates, and you may have to manage expenses such as rent and utilities. Be sure to assess potential housemates to determine if they would be a suitable match for your personality, study habits, and lifestyle. 

Do You Want to Live with Other Students?
✓ For sure, I can’t wait for group movie nights and parties!
✓ Having housemates is cool, but I want my own room
✓ Absolutely not, I need my own space
Assess if sharing accommodation is right for you!

Related Posts:

Accommodation in Canada | Options and Solutions for Newcomers

Why a 2-Bedroom Apartment is a Smart Choice for Newcomers

Tips to Find Affordable Student Accommodation

Finding affordable student accommodation can be challenging, but it doesn’t have to be. Here are some tips to help you find affordable student accommodation. 

Start Your Search Early:

Searching for student housing, or housing in general, takes time, especially if you want to find the perfect student home. It’s best to search for housing about two months before you plan to move in. This will give you plenty of time to browse the market and come to an agreement with the landlord

Check Rental Sites Often:

New rental listings are posted daily on rental sites.  You can start your search for off-campus student accommodation that is within your budget at Rentals for Newcomers.

Consider Sharing Accommodation:

Discover how to find shared accommodation with Sparrow and manage your student accommodation costs.

Be Ready to Compromise:

Once you get an idea of rental costs, you may find it difficult to find exactly what you want at a price that fits your budget. A good way to move forward is to list things you’re willing to compromise. 

Look for Student-specific Housing Options:

Student housing options are often found in neighbourhoods adjacent to colleges and universities and are often budget-friendly. You may even be able to find rentals that offer incentives, discounts, and gift cards specifically for students.

Related Post:

Questions to Ask When Viewing Student Accommodation

When viewing potential student accommodation, be sure to ask the right questions to ensure that it meets all your needs. Here are some questions to consider: 

  • What’s included in the rent (i.e. cable, internet, heat, water, and electricity)? This can significantly reduce your housing costs. 
  • What amenities are available? (i.e. onsite laundry, exercise room, swimming pool, security, etc)
  • What are the lease terms?
  • Is the building quiet?
  • How safe is this neighbourhood?

What to Look for in Student Housing

Whether you visit student homes in person or online, these are helpful tips to keep in mind:

  • Make sure everything looks clean. If the home is dirty and poorly maintained it may have pests. Especially as a student, pests will give you a hard time around the house.
  • Make sure all the appliances are working. The last thing you need as a student is to find out that the appliances don’t work right after moving in.
  • Communicate clearly and effectively with the landlord. Know exactly what utilities and amenities are covered in the rent and which ones you will have to pay for. Look for water, electricity, gas, internet, cable TV, air conditioning, and parking to name a few. There is a good chance that many of these will be included in the rent.

Finding student accommodation that meets your needs is vital to your academic performance, social life, and overall well-being. So, it’s important to consider the factors that will create the right environment for your success. From your budget to the location and type of student accommodation you select, making the right decisions will enhance your university experience in Canada.

Discover Affordable Housing Rental Options in Canada

Discover Affordable Housing Rental Options in Canada

An individual is walking along a path in front of rental apartments in Toronto. Finding affordable housing in Canada can be challenging for newcomers.

With rising rental costs, finding affordable housing in Canada can be challenging. For newcomers, this can be a frustrating obstacle to overcome, especially in your first few weeks and months in a new country. In this article, we outline practical solutions to help you stay within your affordability range. With patience and persistence, you will discover options that can help you save money for accommodation in Canada without compromising comfort and quality.

Affordable Housing Statistics in Canada

Facing a declining supply of rental housing, especially in major cities like Toronto and Vancouver, costs for rental accommodation are rising at unprecedented rates. According to recent rental statistics from Rentals.ca, average asking rents reached a record high of $2,117 in August 2023. This makes it difficult to find and budget for high rental costs. However,  there are still affordable housing options available across the country.

What is Affordable Housing?

Affordability is based on the proportion of your income that you pay for housing. An affordable home will require a smaller proportion of income, while an unaffordable one is larger, for example, greater than 30% of your before-tax household income.

Affordable housing is a broad term that includes housing that the private, public, and non-profit sectors provide. It also includes all forms of housing such as rental, ownership, and temporary and permanent housing.

Affordability At-a-Glance


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According to Aled ab lorwerth, Deputy Chief Economist, Canada Mortgage and Housing Corporation, Canada needs to dramatically increase the supply of housing to restore affordability by 2030.

In the meantime, the  Canadian government is making efforts to address the issue of affordable housing. They have implemented various programs and initiatives to help individuals and families find affordable accommodation.

  • Canada needs about 3.5 million additional housing units by 2030 to restore affordability
  • Housing demand varies across the country due to economic and demographic conditions
  • Housing supply gaps are greatest in Ontario and British Columbia (due to economic growth in these provinces)
  • Current housing construction shortfalls are contributing to the limited supply of housing.

Renting Options that Can Help with Affordable Housing

Renting is a popular option for individuals and families seeking affordable housing in Canada. In fact, Statistics Canada reveals that about one-third of Canadian households rent their residence. Keeping in mind that rental prices vary depending on the type of housing, location, size, and condition of the property, here are some tips to find affordable rental options:


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1. Look for rental properties in up-and-coming neighbourhoods

Consider searching for rental properties in areas that are undergoing revitalization. These areas may offer lower rent prices compared to more established neighbourhoods. 

2. Keep your eye open for rental listings that offer incentives such as:

  • Free rent for one month or lower rent for the first few months  
  • Free parking
  • Utilities (heat, water, electricity, internet, and cable) that are included in the rent 
  • Gift cards, student specials, and more!

Incentives, especially like utilities included in your monthly rent can lower your housing costs by a large amount. 

These are examples of rental listings in cities across Canada that cover utilities such as heat, water, and electricity (using the “Utilities” filter.)

EDMONTON

HAMILTON

OTTAWA

3. Consider sharing a rental property to help with affordability

Another option to consider is sharing a rental property with others. This can often lead to lower rent prices compared to traditional rental properties. And, for newcomers, home-sharing can be a great way to ease financial pressures, expand your social network, and add to your quality of life!  

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Addressing Affordability in Major Cities in Canada

Affordability in major cities where the vacancy rates fall below 2 percent, like Toronto, and Vancouver, can be out of reach for many individuals. And, for newcomers trying to achieve financial stability in Canada, securing affordable housing is even more important. However, there are still options if you want to live in these cities without breaking the bank.

One option to consider is micro-apartments or micro-condos. These smaller living spaces are becoming increasingly popular in major cities as a way to provide affordable housing options. While they may have a smaller footprint, they often come with amenities and innovative design features to maximize space.

Another option to explore is purpose-built rental buildings. These buildings are specifically designed for rental purposes and often offer more affordable rent prices compared to privately owned properties. Professional property management companies usually manage purpose-built rental buildings ensuring quality and affordability.

Tips to Find Affordable Housing

Woman using an online website to search for rentals. Affordability is a major challenge for newcomers seeking accommodation in Canada.
It’s important to start your search early and be flexible when searching for housing.

Finding affordable housing can be a challenging and time-consuming process. However, with the right strategies and resources, you can increase your chances of securing an affordable home. Here are some tips to help you in your search:

1. Start your search early 

Facing a shortage of affordable housing, it’s important to start your search well in advance. Give yourself plenty of time to explore different neighbourhoods and visit properties. Another challenge you may face is that you’re likely competing with many others in the market for affordable housing. In this case, choice properties may be off the market quickly.  

2. Know how to ‘sell yourself’ to potential landlords

In cities with tight rental markets with low vacancy rates, you will be competing with many others in the market for affordable housing. In this case, you need to ‘sell yourself’ as the best possible candidate for the landlord to select.

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3. Utilize online resources

There are several rental websites and online platforms to help you search for rental properties that meet your affordability price range. And, you can filter your search by price range for greater search ease.

4. Network and seek affordable housing recommendations

Reach out to friends, family, and colleagues who may be able to recommend affordable housing options. People in your network may know of future vacancies that are within your budget and are not yet listed on rental websites.

5. Be flexible

Flexibility is key when searching for affordable housing. Consider compromising on certain amenities or locations to find a more affordable option. Keep an open mind and be willing to explore different possibilities, including basement apartments.

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6. Seek professional assistance

If you’re feeling overwhelmed or unsure about the process, consider seeking assistance from professionals such as real estate agents who can guide and support you throughout your search. 

7. Explore smaller cities

Smaller cities that surround major cities may offer more affordable housing and provide easy access to amenities and public transit. For example, you can explore smaller cities within the Greater Toronto Area (GTA) such as: 

With the rise of remote work and flexible schedules, living outside the city center is becoming a viable option for many individuals and families.

While the challenges of finding affordable housing in Canada may seem daunting, solutions and options are available. Remember, finding affordable housing requires persistence and patience. Don’t be discouraged if it takes time to find the perfect fit. By using the available resources, you can increase your chances of finding suitable housing that is within your budget.