The most common and costly errors made by new arrivals in Toronto.
Action checklist
Complete these steps in order for the fastest, safest setup.
1Don't delay SIN application — you cannot legally work without it
2Don't sign a lease with more than first + last month's rent deposit
3Don't skip OHIP registration — the 3-month wait starts from your registration date
4Don't ignore tipping culture — 15–20% in restaurants is mandatory, not optional
City context: Toronto
These steps are tailored for newcomers in Toronto. Costs, availability, and requirements may differ in other cities — switch the city selector above to switch context.