How to Find Housing in Canada: Do’s and Don’ts

Securing adequate housing is one of the biggest challenges newcomers face when relocating to Canada. The country’s real estate and rental markets vary greatly by province and city—what’s available and affordable in Montreal might be entirely different from what you’ll find in Calgary or Vancouver. With multiple rental options, legal considerations, and cultural norms in play, it’s crucial to grasp the basics before signing a lease or purchasing property. This blog post lays out some essential do’s and don’ts to guide you through the process.

1. Do Your Research Before Arrival

1. Online Platforms: Websites like Kijiji, Craigslist, Realtor.ca, and Facebook Marketplace list apartments, condos, and houses for rent or sale. Research typical prices in your target neighborhood.

2. Neighborhood Profiles: Assess proximity to schools, public transportation, grocery stores, and job opportunities. Crime rates and community amenities are also key considerations.

3. Temporary Accommodation: Book short-term stays (e.g., Airbnb, hostels) so you can explore the housing market in person before committing long-term.

2. Don’t Fall for Scams

1. Common Red Flags: Landlords who refuse in-person meetings or push for large deposits without paperwork can be suspicious.

2. Never Wire Money: Avoid transferring money via untraceable methods (e.g., Western Union) before signing a lease and viewing the property.

3. Verify Legitimacy: Check if the landlord or agency has credible reviews. Official lease agreements and references from previous tenants add authenticity.

3. Do Understand Lease Agreements

1. Lease Length: Standard rental agreements often last 12 months, though some provinces allow month-to-month or six-month leases.

2. Security Deposits: This deposit typically covers potential damages and is regulated by provincial laws. Familiarize yourself with the maximum allowed and conditions for its return.

3. Rent Increases: Provinces have guidelines on how much a landlord can increase rent annually. Stay informed to avoid unlawful hikes.

4. Don’t Overlook Rental Insurance

1. Protection for Belongings: Tenant insurance covers personal items against theft or damage.

2. Liability Coverage: It protects you if an accident in your rental (e.g., a leak flooding your downstairs neighbor) causes damage.

3. Affordability: Plans can be inexpensive, often starting around CAD 15–30 per month, depending on the scope.

5. Inspect the Property Thoroughly

1. Check Appliances and Utilities: Inspect the stove, fridge, heating/cooling systems, and plumbing before moving in.

2. Inspect for Damage: Document any pre-existing issues (scratches on floors, chipped paint) to avoid being charged later.

3. Neighborhood Visit: Visit at different times (morning, night, weekends) to gauge noise levels, traffic, and safety.

6. Don’t Dismiss Your Legal Rights

1. Tenant Rights: Each province’s Residential Tenancies Act outlines your rights as a tenant, such as peaceful enjoyment of the property and the landlord’s obligation to maintain habitability.

2. Landlord Access: Generally, landlords must provide notice (often 24 hours) before entering your unit for inspections or repairs.

3. Eviction Rules: A landlord can’t arbitrarily evict you. They must follow legal protocols and deadlines.

7. Consider Alternative Housing Options

1. Shared Accommodations: Renting a room in a shared house or apartment can be budget-friendly, especially in high-cost cities.

2. Basement Suites: Common in suburban areas, basement suites can be less expensive but ensure they’re legal and meet safety requirements.

3. Co-operative Housing: Co-ops are communities where residents collectively manage the property. It can offer lower housing costs and a strong sense of community.

8. Don’t Forget Utilities and Other Costs

1. Utilities: Some rentals include heat, water, and electricity; others don’t. Clarify what’s covered before signing the lease.

2. Internet and Cable: Research local providers for deals. Bundling services may save you money.

3. Parking and Storage: Check if parking or storage lockers are included or cost extra.

9. Budget Wisely

1. Overall Monthly Costs: Housing experts recommend keeping rent or mortgage payments at about 30% of your income.

2. Furnishing Costs: Factor in furnishings and household items if you’re moving into an unfurnished place.

3. Emergency Fund: Keep some savings aside for unexpected repairs or moving expenses.

10. Don’t Rush Important Decisions

1. Compare Listings: Look at multiple properties to get a sense of fair pricing and quality.

2. Read the Fine Print: Understand every clause in your lease or purchase agreement. If needed, seek legal advice.

3. Future Plans: If you’re uncertain about job security or your long-term location preferences, a shorter lease or flexible arrangement might be safer.

Conclusion

Finding housing in Canada requires a mix of caution, due diligence, and an understanding of local real estate and rental practices. By researching neighborhoods, verifying landlords, reading through lease terms, and understanding tenant laws, you’ll be better positioned to choose a comfortable, safe home. Whether you decide to rent a small studio in a bustling city or purchase a suburban house, taking these do’s and don’ts to heart will help ensure that your living situation complements—rather than complicates—your exciting new life in Canada.

Resources

1. Canada Mortgage and Housing Corporation (CMHC): https://www.cmhc-schl.gc.ca/ - Housing market information and resources.

2. Realtor.ca: https://www.realtor.ca/ - Listings for rentals and sales.

3. Kijiji Canada: https://www.kijiji.ca/ - Classifieds, including rental listings.

4. Craigslist (Canada): https://www.craigslist.org/ - Another classifieds site.