Landing in Canada is a sequence puzzle. SIN before bank, bank before credit card, credit card before lease, address before health card, residency date before tax return. Get the order wrong and you lose weeks. The playbook walks you through all 90 days — week by week, province by province.
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Six modules covering the full 90-day arc, with checklists you can print and tick off as you go.
Week 1 — SIN & Service Canada
Where to go, what to bring, what to do the same day. Skip the second trip.
Week 2 — Banking sequence
Big 6 newcomer accounts compared. Open the right one first so the credit card follows.
Week 3 — First credit card
No-SIN paths, secured options, and the order that actually approves with zero Canadian history.
Week 4–8 — Health card by province
Wait periods, interim coverage, and what to do in BC, ON, AB, QC, and the Atlantic provinces.
Week 4–10 — Housing & lease
Provincial deposit caps, co-signer alternatives, and the rental application that wins without Canadian references.
Day 90 — First tax return prep
Even with $0 income — file to unlock GST/HST credit, CCB, and your TFSA room going forward.
You landed with COPR in hand and a long to-do list. The playbook orders that list correctly so PR card, SIN, banking, and your first benefits application all line up.
Different rules for SIN start dates, GIC accounts, and provincial health coverage. The playbook flags every fork in the road for permit holders vs PRs.
Updated for the 2026 tax year, the new CGEB benefit replacing GST/HST credit in July, and current Big 6 newcomer offers.
Health card timelines vary 0–90 days
BC has a 3-month wait. Ontario covers you immediately. Quebec is its own thing. The playbook gives you the right interim coverage move for your province.
Rental deposit caps differ by province
Ontario forbids damage deposits entirely. BC caps at half a month. Some Atlantic provinces allow a full month. Knowing the cap is your first negotiation lever.
Tax residency starts on a specific day
Your "date of entry" on your first T1 changes everything — the newcomer's section of the return, what world income to report, which benefits start when.
Free 2027 update
Buyers get the refreshed playbook each January when bank offers, CRA rules, or IRCC processes change. Forever.
Our free Newcomer Hub has 30+ tools and guides organized by stage. The playbook just sequences them into a single in-order PDF you can print.
Early-supporter pricing for everyone on the waitlist.
Launch updates are paused.
Launch emails are paused while the site is prepared for AdSense review.
This product is for educational and planning purposes only and is not immigration, tax, or legal advice. For case-specific guidance, consult a Regulated Canadian Immigration Consultant (RCIC) or licensed tax professional.