Category Blog

Starting a new life in Canada is exciting — but it can also feel overwhelming at first. From figuring out where to live and how to find a job to enrolling your kids in school or learning a new language, there’s a lot to manage. That’s where settlement services come in.

If you’re new to Canada or planning your move soon, this guide will walk you through how these services work, who they’re for, and how they can help you feel more at home.

What Are Settlement Services?

Settlement services are free programs funded by the Canadian government and provinces to help newcomers adjust to life in Canada. These services are available to:

• Permanent residents
• Refugees and protected persons
• Some temporary residents (like those under special programs such as CUAET)

What Kind of Help Can You Get?

Settlement agencies offer a wide range of support to help you get started — both before and after you arrive in Canada.

Before You Arrive (Pre-Arrival Services):

• Guidance with your immigration paperwork
• Help understanding the Canadian job market
• Credential assessments and job readiness support
• Info about language testing and training options

After You Arrive (Post-Arrival Services):

• Help finding housing and affordable rentals
• School enrollment and childcare support
• Free English or French classes (ESL/FSL)
• Job search help, including writing resumes
• Legal advice and settlement counseling
• Orientation on healthcare, banking, transit, and more
• Community programs and mentorship opportunities

Top Settlement Service Providers in Canada

Here’s a look at some of the most trusted agencies that help newcomers across different regions:

Organization	Where They Operate	Services Offered	Website
YMCA Newcomer Services	Nationwide	Housing, jobs, youth support	ymcagta.org
COSTI Immigrant Services	Ontario	Job help, language programs, housing	costi.org
MOSAIC	British Columbia	Employment, legal aid, language classes	mosaicbc.org
ISANS	Nova Scotia	Newcomer workshops, job assistance	isans.ca
SUCCESS	BC & Alberta	Translation, job help, housing support	successbc.ca
OCISO	Ottawa	Youth & mental health programs, settlement help	ociso.org
Accueil Francophone	Manitoba	Francophone newcomers, housing, support	accueilfrancophonemb.com

Why Use Settlement Services?

There are many good reasons to take advantage of these programs — and none of them cost you anything.

• They’re free and confidential
• You can access help in your language
• They guide you through official paperwork
• They connect you with employers, schools, and support networks
• They help you feel part of your new community

💡 Many organizations also offer virtual or hybrid services, so you can get help from home if needed.

How to Access These Services

Getting started is simple:

1. Find a local provider using the IRCC service finder
2. Book an appointment online or by phone (some accept walk-ins)
3. Bring important documents like your PR card, passport, or Confirmation of Permanent Residence (COPR)
4. Ask for language support — interpretation is often available

Specialized Services for Specific Groups

Settlement services can be tailored to meet the needs of different types of newcomers:

Group	Services Tailored For…
Women & Families	Parenting programs, childcare, domestic safety
Youth	Tutoring, school support, social groups
Refugees	Emergency housing, trauma counseling, legal help
French-Speaking Newcomers	Francophone schools, jobs, community services
Seniors	Health support, community integration, language classes

FAQ: Settlement Services for Newcomers

1. Are settlement services really free?
Yes. If you’re a permanent resident, protected person, or refugee, these services are fully funded by the government.

2. Can I get help if I’m here on a work or study permit?
In some cases, yes — especially for Ukrainian nationals and those under special programs. It’s best to ask your local service provider.

3. What if I don’t speak English or French?
No problem. Many agencies provide translation or interpretation services, and you can sign up for free language classes.

4. Can I use these services before arriving in Canada?
Absolutely. Many organizations offer online services to help you get ready before your flight.

5. Do I need to live in a major city?
Not at all. Smaller towns and rural areas also have settlement agencies, and virtual services are growing quickly.

Final Thoughts

Starting fresh in a new country can feel overwhelming, but you don’t have to do it alone. Settlement services in Canada are designed to help newcomers like you build a strong foundation — from finding your first apartment to landing your first job.

So take the first step. Reach out to your local agency, ask questions, and start building your new life in Canada with confidence.

Moving to Canada is a big step, and one of the first — and most important — things you’ll need to figure out is where you’ll live. For newcomers, navigating the rental market can feel confusing, especially without a Canadian credit history or job lined up.

But don’t worry — this guide is here to help. Whether you’ve just landed or are still planning your move, we’ll walk you through everything you need to know to find safe, affordable housing in Canada.

Where Newcomers Usually Start

Most new immigrants begin with temporary housing and then move into more permanent rentals once they’ve settled in. Here’s a quick look at your options:

Short-Term Housing

• Temporary shelters: Available for those facing financial hardship
• Airbnb or furnished rentals: Great for the first few weeks or months
• Hostels or student residences: Budget-friendly, especially for singles or students
• Newcomer housing through agencies: Offered in some cities, often at reduced rates

Long-Term Rentals

• Apartments from private landlords or companies
• Basement suites: Often more affordable and available in suburban homes
• Co-op housing: Lower cost, but may involve a waitlist
• Subsidized/public housing: Available for low-income residents through applications

Best Places to Search for Rentals

You’ll find plenty of rental listings online, but some platforms are more newcomer-friendly than others:

Platform	Good For	Notes
Kijiji.ca	Private rentals	Be careful of scams, always see the unit in person
Realtor.ca	Verified listings	Best for long-term apartments and houses
Facebook Marketplace	Shared housing & sublets	Make sure profiles are real
PadMapper / Zumper	Apartment hunting	Filter listings by budget, pets, size
Settlement agencies	Subsidized or supported rentals	Free help in many cities

Rent Estimates in 2025 (Monthly Averages)

City	1-BR Apartment	2-BR Apartment	Basement or Shared Room
Toronto, ON	$2,200	$2,700	$800–$1,200
Vancouver, BC	$2,300	$2,900	$850–$1,300
Calgary, AB	$1,450	$1,850	$600–$900
Halifax, NS	$1,400	$1,750	$500–$850
Winnipeg, MB	$1,200	$1,550	$450–$800

Rent will vary by neighborhood and availability, so it’s worth exploring areas outside downtown cores for better deals.

What Landlords Usually Ask For

Even without Canadian credit, you can often still rent — but you’ll need some documents ready:

• Proof of income or job offer
• Immigration or PR confirmation documents
• Bank statements showing savings
• Personal references (employer, teacher, etc.)
• First and last month’s rent upfront (common in most provinces)

Tip: Be upfront about your newcomer status. Many landlords are open to working with new immigrants, especially if you’re well-prepared.

Free Help from Newcomer Services

These agencies offer housing help, referrals, and even temporary accommodations:

Organization	Region	Website
YMCA Newcomer Services	Nationwide	ymcagta.org
COSTI Immigrant Services	Ontario	costi.org
MOSAIC	Vancouver area	mosaicbc.org
ISANS	Nova Scotia	isans.ca
SUCCESS	BC-focused	successbc.ca

Tips to Save on Rent as a Newcomer

• Start small: Shared housing or basement suites can save a lot early on
• Avoid big cities if possible: Explore smaller cities or suburbs
• Use community connections: Religious or cultural groups often help newcomers
• Stay organized: Automatic rent payments help build trust with landlords

Common Questions About Newcomer Housing in Canada

1. Can I rent without a job or credit score?
Yes. You’ll likely need to show bank savings or pay a larger deposit. Many landlords are flexible if you’re honest and have the right paperwork.

2. How do I avoid rental scams?
Never send money before visiting a property. Avoid listings with extremely low prices or urgent demands. Stick to verified listings and get everything in writing.

3. Can I get public housing as a newcomer?
Yes, but there are often long waitlists. Apply early through your local housing authority. Priority usually goes to low-income families or vulnerable individuals.

4. When should I start looking?
If you’re still abroad, start searching 2–4 weeks before arrival. Book short-term housing early to have a place to stay while you look for something long-term.

5. What’s the standard lease in Canada?
Most leases are for 12 months, but some allow month-to-month after that. Be sure to ask about notice periods and early exit fees.

Final Thoughts

Finding housing as a new immigrant in Canada can feel overwhelming — but it’s very doable. With a bit of research, the right documents, and support from local agencies, you’ll be able to find a safe, welcoming home that fits your needs and budget.

Start small, ask questions, and don’t hesitate to reach out for help. You’re not alone — thousands of newcomers find housing every year and go on to build happy, successful lives in Canada. You’re next.

When it comes to your cottage, selecting the right flooring is a decision that merges functionality with aesthetics. Your choice of flooring not only affects the look and feel of the space but also plays a vital role in durability, maintenance, and overall comfort. In this article, we’ll delve into the considerations and options for cottage flooring, helping you strike the perfect balance between function and style.

Read More

Cottage gardens are a quintessential part of the Canadian landscape, known for their natural beauty, vibrant colors, and charming, unstructured designs. These gardens not only enhance the aesthetics of cottages but also contribute to the overall appeal of the surrounding environment. In this article, we’ll explore the art of cottage garden design and provide valuable tips for creating a garden that harmonizes with the natural beauty of Canada’s countryside.

Read More

Cottages offer a picturesque escape during the warmer months, but as winter approaches, the need for proper winterization becomes apparent. Preparing your cottage for the cold season is essential to ensure comfort, protect your property, and prevent costly damage. In this article, we’ll explore valuable tips and guidelines for winterizing your cottage to make it a cozy and safe retreat during the colder months.

Read More

Cottages are often synonymous with tranquility and a connection to nature. Many cottage owners seek to enhance their retreats by adopting sustainable practices that not only reduce their environmental footprint but also make the most of the natural surroundings. One such practice gaining popularity is rainwater harvesting. In this article, we’ll explore the concept of rainwater harvesting for cottage sustainability, highlighting its benefits, implementation, and the standards that ensure its success.

Read More

Choosing the right heating option for your cottage is a crucial decision that impacts both your comfort and energy efficiency. Among the various heating choices available, wood stoves and propane heaters are two popular options for cottages. Each has its advantages and considerations, making the decision a matter of personal preference and practicality. In this article, we’ll explore the characteristics of both wood stoves and propane heaters to help you make an informed choice for your cottage.

Read More

Cottages have long been cherished as havens of tranquility and escape from the hustle and bustle of daily life. These retreats offer a unique blend of tradition and modernity, with many cottage owners seeking ways to integrate smart home technology seamlessly into the rustic charm of their getaway. In this article, we’ll explore the world of smart home technology for cottages, where convenience meets tradition, enhancing the cottage experience while preserving its timeless appeal.

Read More

A cottage is more than just a vacation home; it’s a sanctuary where you can escape from the daily grind and create lasting memories with family and friends. While the natural beauty of the location plays a significant role, customizing your cottage with unique features and additions can take your retreat to the next level. In this article, we’ll explore a range of creative ideas to personalize and enhance your cottage, making it a true reflection of your tastes and lifestyle.

Read More

The roof of a cottage is not only a functional element that provides shelter and protection; it’s also a significant architectural feature that defines the cottage’s style and character. The choice of roof style can impact not only the cottage’s aesthetics but also its functionality and suitability for different climates. In this article, we’ll explore various cottage roof styles, including gable, hip, and more, to help you understand the options available and make an informed decision for your cottage.

Read More