Moving to
the GTA.
The Greater Toronto Area welcomes over 100,000 newcomers every year. Whether you're arriving from another country or another province, this guide covers everything you need to get settled and find a home.
Get Your Health Card (OHIP)
Apply at a ServiceOntario location with proof of identity and Ontario residency. There is a 3-month waiting period for most newcomers before coverage begins. During this period, get interim private health insurance to protect yourself from unexpected medical costs.
Get Your Social Insurance Number (SIN)
Your SIN is required to work in Canada and to access government benefits. Apply at a Service Canada office in person, or online if you're eligible. Bring your passport, work permit, or permanent resident card.
Open a Canadian Bank Account
Major banks include TD, RBC, BMO, Scotiabank, and CIBC. Most offer newcomer packages with no monthly fees for the first year, free international money transfers, and a credit card to help you start building Canadian credit history.
Get Credential Assessment (If Applicable)
If you have international education or professional credentials, World Education Services (WES) is the authorized credential assessment service for Ontario. You'll need this for many jobs, professional licensing, and further education.
Register for Settlement Services
Free help with language training, job searching, housing, and community integration is available through YMCA and local settlement agencies. These services are funded by the government and available to all permanent residents and refugees at no cost.
Moving to the GTA? We make the rental process simple.
Get Started — It's Free →Your Rights as a Tenant
Ontario has some of the strongest tenant protections in North America. The Ontario Standard Lease is required by law for most residential tenancies. Your landlord must use it, and you have the right to demand one at any time.
Landlords can only collect first and last month's rent as a deposit. There are no damage deposits, key deposits beyond replacement cost, or pet deposits allowed under Ontario law. Any landlord asking for these is acting illegally.
Rent control applies to units first occupied before November 15, 2018, capping annual increases at the provincial guideline. For a full breakdown, see our Rent Control Guide.
Key Protections to Know
- Standard Lease required — landlords must use the Ontario Standard Lease
- No damage deposits — only first and last month's rent
- Rent control — units first occupied before Nov 15, 2018
- Maintenance obligations — landlord must keep the unit in good repair
- Eviction protections — requires proper cause and LTB approval
For a deeper look at your rights, see our Tenant Rights Guide.
Documents Checklist
- Government-issued photo ID — passport or PR card
- Proof of income — employment letter, pay stubs, or bank statements
- Credit report — from Equifax or TransUnion
- References — previous landlord or employer
- SIN for credit check — or provide a report directly
- Completed rental application — varies by landlord
Tips for Newcomers
Don't have Canadian credit history yet? Many landlords accept alternative documentation like international bank statements or an employment letter.
Consider offering a co-signer to strengthen your application. Let us help — our team works with newcomers every day.
Transit
The GTA has multiple transit systems: TTC (Toronto), MiWay (Mississauga), YRT/VIVA (York Region), and GO Transit for regional travel. Get a PRESTO card — it works across most GTA transit systems and offers discounted fares.
Internet & Mobile
Major providers include Rogers, Bell, and Telus. Budget-friendly options include Fido, Koodo, and Freedom Mobile. Compare plans carefully — newcomer plans are often available with no credit check required.
Hydro & Utilities
Electricity and gas providers vary by region. Toronto Hydro covers Toronto, Alectra covers York Region and Hamilton, and Enbridge provides natural gas. In many rental units, some or all utilities are included in your rent — always confirm with your landlord before signing.
Schools
Ontario has publicly funded school boards including the TDSB (public), TCDSB (Catholic), and French-language boards. All children can attend public school for free regardless of their immigration status. Registration is done at your local school.
Moving to the GTA? We make the rental process simple.
Get Started — It's Free →GTA Home?
We help newcomers navigate the GTA rental market with confidence. Submit your application or book a call with our team.
Start Your Application → Book a CallThinking about buying? Explore homes at TheHousingMarket.ca
Not always, but it helps. Newcomers can provide bank statements, employment letters, or offer a co-signer. Many landlords understand newcomers won't have Canadian credit yet.
No. The Ontario Human Rights Code prohibits discrimination based on place of origin, citizenship, or ethnic origin. If you experience discrimination, file a complaint with the Ontario Human Rights Tribunal.
The TTC covers Toronto with subways, buses, and streetcars. GO Transit connects the broader GTA regions. A PRESTO card works across most systems.
Typically 2 to 4 weeks in the GTA. Start searching 30 to 45 days before your target move date. Have your documents ready and act quickly on viewings.
Strongly recommended. It's $20 to $30 per month and covers belongings, liability, and temporary living expenses. See our Renter's Insurance Guide for details.