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Settling in Canada: first year housing, tax basics and healthcare

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Education only, based on official Government of Canada and Ontario pages. Rules change, and many depend on your province and your immigration status. This course is not legal, tax, medical or immigration advice. Check the official page for your situation and ask a licensed professional (lawyer, paralegal, tax preparer, regulated immigration consultant, doctor) when you need advice about your own case.

What you'll be able to do
  • Plan your first year after the first 90 days, with dates for each task.
  • Search for a rental, spot rental scams and budget for the real monthly cost.
  • Read a lease and know the main Ontario rules on deposits, rent increases and evictions, and where to get help.
  • File a first tax return on time, understand your tax slips and your notice of assessment.
  • Use Ontario health coverage (OHIP), find a family doctor and know what is not covered.
  • Check whether your job is regulated and start the credential-recognition process.
Words in this course 51Open the Vocabulary Hall
01

Your first-year map and how to search for a rental

In simple words

After the first 90 days you are not "new" anymore, but you are still learning the map. A good map has your home, your doctor, your tax date and your work plan on it. We start with the biggest piece: a safe place to live.

Key facts
  • Before this course: Newcomer to Canada: Your First 90 Days (course 8.5). You should already have a SIN, have started a health coverage application, have a bank account and know where to find free newcomer services. We build on that and do not repeat it.
  • Canada.ca says newcomers can look for a rental by asking friends, searching online listings (for example Facebook Marketplace or Kijiji), reading classified ads, visiting rental agency websites, hiring a rental agency, or looking for "For Rent" signs. A newcomer services provider can also help with the search.
  • The Financial Consumer Agency of Canada (FCAC) says rent and household costs should generally not be more than 35% of your gross household income (income before taxes and deductions). Example from FCAC: with $4,000 gross monthly pay, housing costs should stay near $1,400.
  • Budget for costs beyond rent too: utility and internet set-up fees, moving costs, furniture, parking, hydro, heat and snow removal.
  • Landlords may ask for references, proof of income, your employer and your credit history. Some check your credit report. If you have no credit history, a landlord may ask for a guarantor (someone with good credit who pays if you cannot).
  • Canada.ca says to write your questions down before you visit a unit, run the taps to check water pressure and temperature, test included appliances, confirm which utilities are included, and look into how safe the neighbourhood is.
  • FCAC lists rental scam warning signs:
Warning signWhy it matters
Rent is well below the current market rateScammers use cheap prices as bait
You are asked for a deposit without a formal leaseNo lease means no proof
You are asked to send a deposit to a landlord outside the countryHard to get money back
You are offered a unit without any background checkA real landlord usually checks
A website asks for personal or financial informationCould be identity theft
Photos show only the outside, or do not match the propertyThe unit may not exist
Step by step
  1. Write "Before this course: Newcomer to Canada: Your First 90 Days, course 8.5" at the top of a page and tick what you have already done (SIN, health application, bank account).
  2. Draw a 12-month line and add the first tasks you know: housing, tax date, health card, job or credential plan.
  3. Take your gross monthly income and multiply by 0.35. Write the result as your maximum for rent and household costs.
  4. Add a second list: utilities, internet, moving, furniture, parking, snow removal. Write a monthly estimate for each.
  5. Open the FCAC page "Renting an apartment or house" and copy the six scam warning signs into your phone notes.
  6. Before every viewing, write your questions: total monthly cost, what is included, deposit, move-in inspection, guarantor, credit check.
  7. Check: you have a rent limit, a list of extra costs and six scam signs saved.
LESSON 01Your first-year map and how to search for a rental
LESSON 01 / ANIMATED LESSON / AI VOICE00:00 / 01:00
Read the video script
[Host] "Your first year has a map. The first big place on it is your home."
[Text on screen: Rent and costs: about 35% of gross income] "The FCAC says rent and household costs should generally stay under thirty-five percent of your income before tax."
[Screen: list of six scam signs] "Warning signs of a scam: a price far below market, a deposit with no lease, money sent abroad, and a website that wants your personal information."
[Host] "Write your questions before every viewing. Never pay before you have seen the unit and a written lease."
Try it now

Calculate your 35% number, list your extra monthly costs, and find three real listings. For each one, check it against the six scam signs and write down any question you would ask.

ClaudeStuck? Copy a ready-made prompt for Claude

Copy this, open Claude, paste it, and Claude will walk you through the lesson step by step.

For a grown-up: Claude is for adults (18+). Copy this, paste it into Claude, and use the answer to explain the lesson to your child.

I'm learning "Settling in Canada: first year housing, tax basics and healthcare" on The Future Market. Lesson 1: "Your first-year map and how to search for a rental".

What the lesson teaches:
- Before this course: Newcomer to Canada: Your First 90 Days (course 8.5). You should already have a SIN, have started a health coverage application, have a bank account and know where to find free newcomer services. We build on that and do not repeat it.
- Canada.ca says newcomers can look for a rental by asking friends, searching online listings (for example Facebook Marketplace or Kijiji), reading classified ads, visiting rental agency websites, hiring a rental agency, or looking for "For Rent" signs. A newcomer services provider can also help with the search.
- The Financial Consumer Agency of Canada (FCAC) says rent and household costs should generally not be more than 35% of your gross household income (income before taxes and deductions). Example from FCAC: with $4,000 gross monthly pay, housing costs should stay near $1,400.
- Budget for costs beyond rent too: utility and internet set-up fees, moving costs, furniture, parking, hydro, heat and snow removal.
- Landlords may ask for references, proof of income, your employer and your credit history. Some check your credit report. If you have no credit history, a landlord may ask for a guarantor (someone with good credit who pays if you cannot).
- Canada.ca says to write your questions down before you visit a unit, run the taps to check water pressure and temperature, test included appliances, confirm which utilities are included, and look into how safe the neighbourhood is.
- FCAC lists rental scam warning signs:

The exercise I'm working on:
Calculate your 35% number, list your extra monthly costs, and find three real listings. For each one, check it against the six scam signs and write down any question you would ask.

I'm stuck. Please:
1. Explain the main idea in plain, simple words with one everyday example.
2. Walk me through the exercise one small step at a time. Ask me what I've done so far before giving the next step.
3. Don't just give me the final answer. Help me do it myself, and check my work when I share it.
I'm a parent helping my child (about 8 years old) with a lesson called "Your first-year map and how to search for a rental" from the course "Settling in Canada: first year housing, tax basics and healthcare".

Here's what the lesson says:
After the first 90 days you are not "new" anymore, but you are still learning the map. A good map has your home, your doctor, your tax date and your work plan on it. We start with the biggest piece: a safe place to live.

The activity:
Calculate your 35% number, list your extra monthly costs, and find three real listings. For each one, check it against the six scam signs and write down any question you would ask.

Please explain this so an 8-year-old understands: short sentences, a fun everyday example, and no hard words.
Then give me 3 simple questions I can ask my child to check they understood, and a way to do the activity together, one tiny step at a time.
Open Claude
Sources
My notes
02

Leases, deposits and your rights as a tenant (Ontario)

This lesson is part of full access: every course and every level for one payment.

03

Your first tax return (education only)

This lesson is part of full access: every course and every level for one payment.

04

Health coverage in Ontario and finding a family doctor

This lesson is part of full access: every course and every level for one payment.

05

Credential recognition for regulated jobs

This lesson is part of full access: every course and every level for one payment.

06

Your year-one review and getting help

This lesson is part of full access: every course and every level for one payment.

++

Final project

This lesson is part of full access: every course and every level for one payment.

??

Quiz

  1. About how much of gross income should rent and household costs generally not exceed, according to FCAC?

  2. Name two rental scam warning signs.

  3. In Ontario, what can a rent deposit be used for?

  4. How much written notice is needed for an Ontario rent increase, and how often?

  5. What are the Ontario rent increase guidelines for 2026 and 2027?

  6. Does a landlord's eviction notice mean you must leave at once?

  7. If you arrived in 2026, when is your first tax return due?

  8. What should you do with your notice of assessment?

  9. What three original documents are needed to apply for OHIP in person?

  10. How can you register to find a family doctor in Ontario?

  11. Does an immigration ECA guarantee you can work in a regulated job?

  12. What does Foreign Credential Recognition require for a regulated job?

EX

Final exam

This lesson is part of full access: every course and every level for one payment.

CE

Certificate

This lesson is part of full access: every course and every level for one payment.