Food services workers can now apply to Nova Scotia Occupations in Demand PNP
Through its Occupations in Demand Stream, Nova Scotia is now accepting immigration applications from Food Services workers. As we all know, the pandemic hit the restaurant industry hard. As a result, places such as Nova Scotia province have been experiencing labour shortages in the Food Services Industry. To address this issue, Nova Scotia added 3 new eligible occupations to its Occupations in Demand immigration stream. These new eligible occupations are listed below in order of their NOC (National Occupation Classification) code:
NOC 6513 (Food and beverage servers)
NOC 6711 (Food counter attendants, kitchen helpers, and related support occupations)
NOC 6731 (Light duty cleaners)
Based on the above codes, employers will be able to hire you without needing to do an LMIA (Labour Market Impact Assessment). Also, according to the media release, you, as the employee, will not need to work with the employer for six months before applying to PNP (Nova Scotia Provincial Nominee Program) as was the case in the past.
We are excited to welcome newcomers who can help employers meet their labour needs and grow Nova Scotia’s population. The tourism, restaurant, and Hospitality sectors are critical to our economy. These changes will help these industries hire workers they need to prepare for a busy tourism season.
Jill Balser, Nova Scotia’s immigration minister
Nova Scotia’s Occupations in demand stream targets specific occupations that fall under NOC skill levels C and D. These skill levels have historically been called “low-skilled” or “unskilled” occupations, but due to the pandemic, the preference has now been to call them “essential” occupations.
As of July 1, Nova Scotia’s population was at an all-time 992,055 high, which the province credits to increased immigration into Nova Scotia due the need for hiring into “essential occupations”. Bear in mind, this population figure is still considerably lower than Ontario.
What is the eligibility for the Occupations in Demand stream?
In order to apply for a provincial nomination from Nova Scotia through the Occupations in Demand stream, you need to have a full-time job offer in one of the following occupations:
NOC 3413 (Nurse aides, orderlies, and patient service associates)
NOC 6513 (Food and beverage servers)
NOC 6711 (Food counter attendants, kitchen helpers, and related support occupations)
NOC 7611 (Construction trades helpers and labourers)
You also need to have at least one year of work experience related to the job you are applying for and be between the ages of 21 to 55 years old.
You should – at bare minimum – have a high school diploma, plus the appropriate training, skills, or accreditation for the job. You can look at Nova Scotia’s immigration website to see exactly what kind of training and skills are required. You need to prove that you have a language ability of at least a CLB (Canadian Language Benchmark) Level 4 – intermediate or higher – in English or French, even if either of these languages is your first language. You also need to show that you have enough financial resources of any kind to settle in Nova Scotia.
Why should you want to settle in Nova Scotia?
With more than 7,400 km of coastline, you are fortunate to be surrounded by the natural beauty of the rolling sea, lush green forests, lakes, and farmland. All of this, combined with Nova Scotia’s growing cities and low cost of living, makes Nova Scotia one of the most enjoyable places to live in Canada. Newcomers and locals alike now enjoy Nova Scotia for its high quality of life, family-friendly communities, incredible natural beauty, and affordable cost of living.
Aside from its incredible landscapes, and all other natural beauties, Nova Scotia is also one of the best places in Canada for newcomers who want to start their own small businesses, be it in Construction, Trucking, or Food services.
Everything you need to know about this essential document for Filipino minors travelling abroad
If you recently applied through any of the pathways for permanent residency in Canada and have minor child(ren) included in your application, you probably need a notarized and authenticated Affidavit of Support and Consent if the said child(ren) will travel unaccompanied by a parent or legal guardian.
So, what is an “Affidavit of Support and Consent?”
An “Affidavit of Support and Consent” is one of the requirements in the Philippines whenever a minor child is applying for a passport or travel document without a parent or legal guardian. Another required document is a Special Power of Attorney.
The affidavit must be sworn before a notary public and contain the following statements:
Your relationship to the child(ren)
Basic information about the child(ren) such as name, birthdate, place of birth, etc.
Name of authorized person who will apply for the child(ren)’s passport or travel document
Name of authorized person who will accompany the child(ren) for the travel abroad
Express consent for the child(ren) to travel with the authorized person
Statement of support for the child(ren) while in the foreign country
Any other statements to support your affidavit
How do you prepare the Affidavit of Support and Consent?
1) SELF-PREPARE
You can do it yourself (DIY) if you know how to prepare an affidavit. Ensure that it is in the proper form and contains all the statements above. Be aware that an affidavit becomes a legal document once executed, so be careful. This option may not be suitable for everyone.
2) FILL OUT THE FORM
Fill out the sample forms available through the following government websites:
Disclaimer: JCA Law is not associated with the Government of the Republic of the Philippines or any of its departments, agencies, or bureaus. These links are for reference only and are not endorsed. If you have any questions about these forms, contact the nearest Philippine consulate office or embassy in your area. If you need legal advice, consult with a licensed professional in your Province.
3) JCA LAW TEAM ASSIST
JCA Law can help you prepare the Affidavit of Support and Consent. If you need assistance, message us on Facebook Messenger or book an appointment any time. We will respond within the next business day.
If the matter is urgent, call 855-522-5290 during office hours.
Why is an Affidavit of Support and Consent required?
An Affidavit of Support and Consent is just one of the requirements for securing a travel clearance from the DSWD.
Below is a list of all requirements for a travel clearance for a minor child. Click on the option that applies to you:
For minors travelling alone to a foreign country for the first time
Duly accomplished DSWD Travel Clearance application form
Photocopy of either Birth Certificate or passport of the minor
Written consent of both parents or the solo parent or the legal guardian permitting the minor to travel alone to a foreign country
Proof of the consenting parent’s relation to the child, in one of the following forms:
(married parents) a photocopy of the marriage certificate of the minor’s parents
(legal guardian) a photocopy of the certificate of legal guardianship of the minor
(solo parent) a photocopy of the solo parent identification card from the Municipal Social Welfare and Development Office, a Local Social Welfare and Development Office, Tallaq or Faskh certification from the Shariah court or any Muslim Barangay or religious leader
(if child is illegitimate) a Certificate of No Marriage (CENOMAR) issued by the National Statistics Office (NSO)
(if parents are deceased) a photocopy of the death certificate
Two colored passport size photos of the minor taken within the last six (6) months
The DSWD social worker may require additional documentary requirements during the assessment of the Travel Clearance application to make sure that no child shall be trafficked and that the child’s best interest and welfare is ensured.
For minors travelling for the first time with a person other than the parents or legal guardian
Duly accomplished DSWD Travel Clearance application form
A photocopy of the birth certificate of minor
A written consent of both parents or the solo parent or the legal guardian permitting the minor to travel to a foreign country with a specific person other than them
As appropriate, a photocopy of the marriage certificate of the minor’s parents or a certificate of legal guardianship of the minor or in the case of solo parents, a solo parent identification card from the Municipal Social Welfare and Development Office or a certification from the Local Social Welfare and Development Office of being a solo parent or a court decree of separation, annulment or divorce, or Tallaq or Fasakh certification from the Shariah court or any muslim barangay or religious leader or in the case of an illegitimate minor, a certificate of no marriage (CENOMAR) from the National Statistics Office or in the case of a deceased parent, a photocopy of the death certificate
Two colored passport photos of the minor taken within the last 6 months.
Photocopy of the passport of the travelling companion
For minor illegitimate children travelling abroad with the biological father
A minor illegitimate child who is travelling abroad accompanied by the biological father is required to secure a travel clearance certificate as parental authority is vested only to the mother of the child, per Article 176 of the Family Code of the Philippines.
Aside from the DSWD, who else requires the Affidavit of Support and Consent?
The Department of Foreign Affairs (DFA) of the Republic of the Philippines requires a minor applicant to submit an Affidavit of Support and Consent if the child is not accompanied by a parent or legal guardian during the passport application process. Thus, both the DFA and DSWD require the Affidavit of Support and Consent if the child will not be accompanied by a parent or legal guardian during his or her travel abroad.
A valid passport is of course required for anyone to travel abroad. The DFA issues passports for Filipino citizens. As noted above, the DFA will require an Affidavit of Support and Consent in at least two (2) situations. Therefore, even if the child will be accompanied by a parent or legal guardian for the travel abroad, the Affidavit of Support and Consent will still be required if there is no parent or legal guardian during the passport application. Another required document is a Special Power of Attorney (SPA).
Does the Affidavit of Support and Consent have to be notarized?
Yes. An affidavit is a sworn statement which means that it must be signed or executed before a notary public. Contact us if you need a notary public in Ontario, Canada.
Can I sign the Affidavit of Support and Consent in Canada?
Yes. You can sign or execute the Affidavit of Support and Consent in Canada. However, the said Affidavit needs to be authenticated or “consularized” before sending it to the Philippines. Contact us if you need assistance with getting your legal documents authenticated. Our office is conveniently located near the Philippine Consulate in Toronto.
Is the notary and authentication of an Affidavit the same? What is the difference?
Notary and authentication are not the same. You must go to a notary public to have your document notarized. For authentication, you must go to the Philippine Consulate General near you or the Philippine Embassy in Ottawa.
Everyone needs to adapt in an ever-changing world, and that includes lawyers, notary public, oath commissioners and licensed immigration consultants… Read More
If you are one of the people who always get confused as to what kind of documents must undergo consular notarization and authentication here in Canada so it may be used in the Philippines… Read More
Need an Affidavit of Support and Consent?
Our team can prepare, notarize, and assist with authentication of your documents.
First-Time Home Buyer Programs in Ontario: Complete 2026 Guide for Filipino Newcomers
Last updated: February 7, 2026
Introduction: Why This Guide Matters for Filipino Newcomers
Buying your first home in Canada is one of the most exciting milestones for Filipino newcomers. After years of hard work, whether as a caregiver, healthcare professional, IT specialist, or in any other field, owning a home in Ontario represents stability and a brighter future for your family.
But the process can feel overwhelming. Between unfamiliar tax programs, complicated mortgage rules, and the sheer cost of housing in the Greater Toronto Area (GTA), many Filipino first-time buyers miss out on thousands of dollars in government incentives simply because they do not know what is available.
This guide breaks down every major program and incentive available to first-time home buyers in Ontario in 2026, with practical advice tailored specifically for Filipino newcomers. As of January 2026, the average home price in the GTA has dipped below million to ,289, making homeownership more accessible than it has been since 2021.
Quick Summary of Savings: A first-time buyer in Toronto purchasing a ,000 home could save a combined ,000 to ,000+ through the programs listed below, depending on eligibility. Read on to learn how to claim every dollar you are entitled to.
1. First Home Savings Account (FHSA) — The Newest Program
The First Home Savings Account (FHSA) is Canada’s newest tool for first-time home buyers, launched in April 2023. It combines the best features of an RRSP and a TFSA: your contributions are tax-deductible (like an RRSP), and your withdrawals for a home purchase are completely tax-free (like a TFSA).
How the FHSA Works
Feature
Details
Annual Contribution Limit
,000 per year
Lifetime Contribution Limit
,000
Carry-Forward Room
Up to ,000 of unused room carries to the next year
Tax Deduction
Contributions reduce your taxable income
Withdrawals for Home Purchase
100% tax-free (no repayment required)
Account Duration
Must close by the 15th anniversary of opening, or age 71, whichever comes first
Eligibility
Canadian resident, age 18+, first-time home buyer (not owned a home in the past 4 years)
Why This Matters for Filipino Newcomers
If you arrived in Canada recently, opening an FHSA should be one of your first financial steps. Even if you are not ready to buy a home yet, starting to contribute now means:
Immediate tax savings — every ,000 you contribute reduces your taxable income, saving you ,200 to ,000+ in taxes depending on your bracket
Tax-free investment growth — your money grows inside the account without any tax
Can be combined with the Home Buyers’ Plan (HBP) — use both FHSA and HBP for maximum savings
Pro Tip: If you opened your FHSA in 2025 but did not contribute the full ,000, you can carry forward up to ,000 of unused room to 2026. That means you could contribute up to ,000 in 2026 and claim a significant tax deduction.
2. Home Buyers’ Plan (HBP) — Withdraw from Your RRSP Tax-Free
The Home Buyers’ Plan (HBP) allows first-time home buyers to withdraw up to ,000 from their RRSPs to purchase or build a qualifying home, without paying tax on the withdrawal. If you are buying with a spouse or partner who also qualifies, you can each withdraw ,000 for a combined total of ,000.
Key HBP Rules for 2026
Feature
Details
Maximum Withdrawal
,000 per person (,000 per couple)
Repayment Period
15 years (starts 5th year after first withdrawal for 2022–2025 withdrawals)
Annual Repayment
1/15th of the total amount withdrawn each year
Eligibility
Canadian resident, first-time buyer (not owned a home in the past 4 years)
RRSP Holding Period
Funds must be in your RRSP for at least 90 days before withdrawal
Important: Unlike the FHSA, HBP withdrawals must be repaid to your RRSP over 15 years. If you miss a repayment, that amount is added to your taxable income for the year. Plan your repayments carefully.
FHSA + HBP: The Power Combination
You can use both the FHSA and the HBP for the same home purchase. Here is how a Filipino couple could maximize their savings:
Source
Person 1
Person 2
Total
FHSA (max over time)
,000
,000
,000
HBP (RRSP withdrawal)
,000
,000
,000
Combined Total
,000
,000
,000
That is up to ,000 in tax-advantaged funds for your down payment. For many Filipino families, this could cover a 20% down payment and avoid costly mortgage insurance entirely.
3. First-Time Home Buyers’ Tax Credit (HBTC)
The Home Buyers’ Tax Credit (HBTC) is a non-refundable federal tax credit that provides up to ,500 back when you file your taxes in the year you purchase your first home.
How It Works
Claim ,000 on line 31270 of your tax return
The credit is calculated at the lowest personal tax rate (15%), giving you up to ,500
You must be a first-time home buyer (have not owned a home in the past 4 years)
The home must be registered in your name (or your spouse’s name) and located in Canada
You must intend to occupy the home as your principal residence within one year of purchase
Easy to Claim: This credit is straightforward. When you file your taxes after buying your home, simply enter ,000 on line 31270. Your tax software will calculate the credit automatically. Do not forget this free ,500!
4. Ontario Land Transfer Tax Refund for First-Time Buyers
When you buy property in Ontario, you pay a provincial Land Transfer Tax (LTT) at closing. First-time home buyers can get a refund of up to ,000.
Ontario LTT Rates (2026)
Purchase Price Portion
Tax Rate
First ,000
0.5%
,001 to ,000
1.0%
,001 to ,000
1.5%
,001 to ,000,000
2.0%
Over ,000,000
2.5%
First-Time Buyer Refund
Maximum refund: ,000 (covers full LTT on homes up to ,000)
For homes over ,000: you still receive the full ,000 refund but pay the remaining LTT
Eligibility: Must be at least 18, a Canadian citizen or permanent resident, must move into the home within 9 months, and must never have owned a home anywhere in the world
How to apply: Your real estate lawyer applies for the refund at the time of closing
Example: Ontario LTT on a ,000 Home
Portion
Rate
Tax
First ,000
0.5%
,001–,000
1.0%
,950
,001–,000
1.5%
,250
,001–,000
2.0%
,000
Total Ontario LTT
,475
First-Time Buyer Refund
-,000
Net Ontario LTT Payable
,475
5. Toronto Municipal Land Transfer Tax Rebate
If you are buying in the City of Toronto, you pay an additional Municipal Land Transfer Tax (MLTT) on top of the provincial LTT. This effectively doubles your land transfer tax costs. However, first-time buyers can claim a rebate.
Current Toronto MLTT Rebate (2026)
Maximum rebate: ,475 (covers full MLTT on homes up to ,000)
For homes over ,000: you receive the ,475 rebate and pay the remaining MLTT
March 2026 Update — Expanded Rebate: Toronto City Council has approved an expansion of the first-time buyer MLTT rebate. Effective March 1, 2026, the rebate will provide the equivalent of a full rebate for first-time purchasers of residential properties valued up to ,000 (previously ,000). This is a major improvement that will save Toronto first-time buyers thousands of additional dollars.
Combined LTT Savings in Toronto (First-Time Buyer)
Tax/Rebate
,000 Home (Before March 2026)
,000 Home (After March 1, 2026)
Ontario Provincial LTT
,475
,475
Ontario First-Time Refund
-,000
-,000
Toronto MLTT
~,475
~,475
Toronto First-Time Rebate
-,475
-,475 (expanded)
Total LTT Payable
~,475
~,475
Total Savings from Rebates
,475
,475
Important for Toronto Buyers: If you are planning to purchase in Toronto, waiting until after March 1, 2026 to close could save you thousands in MLTT thanks to the expanded rebate. Talk to your real estate lawyer about timing your transaction.
6. GST/HST New Housing Rebate
If you are buying a newly built home (from a builder, not a resale home), you may be eligible for a GST/HST rebate. There are two programs to be aware of:
Existing GST/HST New Housing Rebate
Federal portion: Rebate of 36% of the GST paid, up to a maximum of ,300
Full rebate available for homes priced up to ,000
Rebate phases out between ,000 and ,000
No rebate for homes priced above ,000
Ontario portion: Additional rebate of 75% of the provincial portion of HST, up to ,000
NEW: First-Time Home Buyer GST/HST Rebate (Proposed)
Major New Incentive: The federal government has proposed a first-time home buyer GST/HST rebate that would eliminate the entire 5% federal GST on new homes valued up to million. This could mean savings of up to ,000 on a new build. The rebate phases out linearly between million and .5 million. This applies to agreements of purchase and sale entered into on or after May 27, 2025.
Note: The first-time home buyer GST/HST rebate is proposed legislation and has not yet received Royal Assent. The CRA will not process claims until the legislation is passed. However, if you are buying a new-build home, this is something to discuss with your lawyer.
7. CMHC Insured Mortgage — Buy with Just 5% Down
Many Filipino newcomers assume they need a 20% down payment to buy a home. That is not true. With a CMHC-insured mortgage, you can buy with as little as 5% down.
Minimum Down Payment Requirements (2026)
Purchase Price
Minimum Down Payment
,000 or less
5% of purchase price
,001 to ,499,999
5% of first ,000 + 10% of the remainder
,500,000 or more
20% (no CMHC insurance available)
Down Payment Examples
Home Price
Minimum Down Payment
Amount
,000
5%
,000
,000
5% + 10%
,000
,000
5% + 10%
,000
,289 (GTA avg.)
5% + 10%
,329
Key Benefits for First-Time Buyers in 2026
30-year amortization: First-time home buyers can now amortize their mortgage over 30 years (instead of the standard 25 years), lowering monthly payments
Insured mortgage price cap raised to .5 million: You can now use CMHC insurance for homes up to .5 million (previously million)
Lower stress test qualification: Insured mortgages often come with slightly lower interest rates
Did You Know? CMHC mortgage insurance is added to your mortgage balance and paid over the life of the loan. It is not an upfront out-of-pocket cost. This makes it much easier for newcomers to get into the market sooner.
8. Special Mortgage Programs for Newcomers
Canadian banks offer special mortgage programs designed specifically for newcomers who may not have an established Canadian credit history. As a Filipino newcomer, you should explore these programs:
Major Bank Newcomer Mortgage Programs (2026)
Bank
Program
Eligibility Window
Key Features
RBC
Newcomer Mortgage
PR within 12 months; Work Permit within 48 months
As low as 5% down; limited credit history OK; foreign income considered
TD
New to Canada Mortgage
PR within 5 years; Work Permit within 2 years
3+ months Canadian employment; flexible credit requirements
CIBC
Newcomer Mortgage
PR within 5 years; Work Permit 12+ months
Limited credit history OK; Canadian income required
Scotiabank
StartRight Program
PR or Temporary Resident within 5 years
Down payment must be from own funds (no gifts); credit building tools
BMO
NewStart Program
PR within 5 years; Work Permit holders
130-day rate hold (longest among big banks); flexible qualifications
Tips for Filipino Newcomers Applying for a Mortgage
Get pre-approved early: Even before you start house hunting, get a mortgage pre-approval. This tells you exactly how much you can afford.
Build Canadian credit fast: Get a secured credit card, use it for small purchases, and pay it off in full every month. Even 3–6 months of credit history helps.
Gather your documents: Have your employment letter, pay stubs, bank statements, and proof of down payment ready. If you have a 35%+ down payment, you may qualify without Canadian credit history.
Consider bringing 35% down: With a 35% down payment, RBC and other banks may approve your mortgage with minimal Canadian credit or employment history. This is especially useful if you are transferring savings from the Philippines.
Shop around: Do not just go to one bank. Compare rates from at least 3 lenders, including a mortgage broker who can access rates from multiple lenders.
9. Step-by-Step: Buying Your First Home in Ontario
Here is a simplified roadmap for Filipino first-time home buyers in Ontario:
Step 1: Get Your Finances in Order
Open an FHSA and start contributing
Build your credit score (aim for 650+)
Save for your down payment (minimum 5%, ideally 20%)
Budget for closing costs (typically 1.5–4% of the purchase price)
Step 2: Get Mortgage Pre-Approval
Visit your bank or a mortgage broker
Ask about newcomer mortgage programs
Get a pre-approval letter (typically valid for 90–130 days)
Step 3: Find a Real Estate Agent
Choose an agent familiar with your target neighbourhoods
Filipino-speaking agents may help with communication if needed
Your agent will help you search, negotiate, and submit offers
Step 4: Make an Offer and Negotiate
Submit an Agreement of Purchase and Sale (APS)
Include conditions: financing, home inspection, lawyer review
Pay a deposit (typically 5% of the purchase price, held in trust)
Step 5: Hire a Real Estate Lawyer
Your lawyer reviews the Agreement of Purchase and Sale
Conducts title search and ensures the property is free of liens
Handles land transfer tax payments and applies for first-time buyer refunds
Registers the property in your name on closing day
Step 6: Fulfill Conditions
Complete home inspection
Finalize mortgage approval with your lender
Arrange home insurance (required by your lender)
Waive conditions once everything is satisfactory
Step 7: Closing Day
Your lawyer handles the transfer of funds and documents
You sign mortgage documents and title transfer
Pay closing costs (land transfer tax minus rebates, legal fees, adjustments)
Receive your keys
Typical Closing Costs Breakdown
Cost Item
Estimated Amount
Land Transfer Tax (Ontario)
Varies (see calculator above)
Toronto MLTT (if in Toronto)
Varies (see calculator above)
Legal Fees
,500–,500
Title Insurance
–
Home Inspection
–
Appraisal Fee
– (sometimes covered by lender)
Property Tax Adjustment
Depends on closing date
Utility Connection Fees
–
Moving Costs
–,000
10. Common Mistakes Filipino Newcomers Make When Buying a Home
After helping many Filipino clients with their real estate transactions, we have seen some common mistakes that first-time buyers should avoid:
Mistake 1: Not Opening an FHSA Right Away
Many newcomers do not know about the FHSA or delay opening one. Every year you wait is ,000 in tax-deductible contribution room you cannot get back. Open an FHSA as soon as you arrive in Canada, even if buying a home is years away.
Mistake 2: Not Claiming the Ontario LTT Refund
Some buyers do not realize they qualify for the ,000 provincial refund (and the ,475+ Toronto rebate). Your real estate lawyer should handle this at closing, but make sure you confirm it. At JCA Law Office, we always ensure our clients receive every rebate they are entitled to.
Mistake 3: Sending Money from the Philippines Without Proper Documentation
If family members in the Philippines are gifting you money for your down payment, you need a signed gift letter confirming the funds are a gift (not a loan). Your lender will also want to see the paper trail of funds entering Canada. Keep all wire transfer receipts and bank statements.
Mistake 4: Buying More Home Than You Can Afford
Just because the bank pre-approves you for a certain amount does not mean you should spend that much. Factor in property taxes, utilities, maintenance, and your existing obligations (such as sending money to family in the Philippines). A general rule: your total housing costs should not exceed 30–35% of your gross household income.
Mistake 5: Skipping the Home Inspection
In competitive markets, some buyers waive the home inspection to make their offer more attractive. This is risky. A inspection could save you tens of thousands in unexpected repairs. Always include an inspection condition in your offer if possible.
Mistake 6: Not Hiring a Real Estate Lawyer Early Enough
In Ontario, you must have a lawyer to complete a real estate transaction. Do not wait until the last minute to find one. Engage your lawyer before you start making offers so they can review your Agreement of Purchase and Sale and advise you on any red flags.
Mistake 7: Not Understanding the Difference Between Freehold and Condo
Many Filipino newcomers come from the Philippines where condominiums are popular but work differently. In Ontario, condo ownership means paying monthly maintenance fees on top of your mortgage. These fees can be –,000+ per month. Always factor condo fees into your budget and review the condo’s status certificate before purchasing.
11. Complete Summary: All First-Time Buyer Incentives at a Glance
12. How JCA Law Office Can Help with Your Real Estate Closing
JCA Law Office Professional Corporation has extensive experience helping Filipino newcomers complete their real estate transactions in Ontario. As a firm that understands the unique needs of the Filipino-Canadian community, we provide:
Complete real estate closing services — from reviewing your Agreement of Purchase and Sale to handing you your keys
Land transfer tax rebate applications — we ensure you receive every dollar of the Ontario and Toronto first-time buyer refunds
Title search and insurance — protecting your investment from title defects and fraud
Mortgage documentation — coordinating with your lender to ensure a smooth closing
Guidance on all first-time buyer programs — we help you understand which incentives you qualify for
Tagalog and English service — clear communication in the language you are most comfortable with
Ready to Buy Your First Home in Ontario?
JCA Law Office Professional Corporation is here to guide you through every step of your real estate closing. We proudly serve the Filipino-Canadian community across the Greater Toronto Area.
Call us today: (647) 243-2286 Email: info@jcalaw.ca Office: Scarborough, Ontario (serving all of the GTA)
Yes. You can withdraw from both your FHSA and your RRSP (through the Home Buyers’ Plan) for the same home purchase. This gives you access to up to ,000 per person (,000 per couple) in tax-advantaged funds.
I just arrived in Canada. Do I qualify as a first-time home buyer?
Generally, yes. Most programs define a first-time buyer as someone who has not owned a home (or had a spouse/partner who owned a home) in the past 4 years. If you never owned property in Canada, you likely qualify. However, the Ontario LTT refund requires that you have never owned a home anywhere in the world. If you owned property in the Philippines, you may not qualify for the Ontario LTT refund, though you may still qualify for other programs.
Can I use money from the Philippines as my down payment?
Yes, but you need to properly document the source of funds. Keep records of wire transfers, bank statements showing the funds in your Philippine account, and a gift letter if the money is from family. Your lender will want a clear 90-day paper trail of where the funds came from.
Do I need a lawyer to buy a home in Ontario?
Yes. Unlike some countries, Ontario requires a lawyer to complete real estate transactions. Your lawyer handles the title search, land transfer tax, mortgage registration, and transfer of funds. This is not optional — it is a legal requirement.
What credit score do I need to buy a home?
Most lenders require a minimum credit score of 600–650 for insured mortgages. However, newcomer mortgage programs from major banks (RBC, TD, CIBC, etc.) may be more flexible if you have been in Canada for less than 5 years. If you have a 35% down payment, some lenders will approve you with minimal credit history.
How much are closing costs in Ontario?
Budget for approximately 1.5% to 4% of the purchase price for closing costs. This includes land transfer tax (minus any rebates), legal fees (,500–,500), title insurance (–), and other adjustments. For a ,000 home, expect ,000 to ,000 in closing costs after first-time buyer rebates.
This guide is for informational purposes only and does not constitute legal advice. Tax laws and government programs are subject to change. Please consult with a qualified lawyer and financial advisor for advice specific to your situation. Information is current as of February 2026.
Post-Graduation Work Permit (PGWP) Canada 2026: Complete Guide for Filipino Students
If you are a Filipino student studying in Canada, the Post-Graduation Work Permit (PGWP) is your bridge between graduation and permanent residence. It allows you to stay and work in Canada with an open work permit after completing your studies at an eligible Canadian institution.
But the rules have changed significantly. Starting November 1, 2024, Immigration, Refugees and Citizenship Canada (IRCC) introduced new language requirements and field of study restrictions that affect who qualifies for a PGWP. For 2026, IRCC has also frozen the list of eligible programs, meaning no fields of study will be added or removed this year.
This guide covers everything Filipino students need to know about the PGWP in 2026, including the updated eligibility rules, new language requirements, application process, processing times, and the pathways from PGWP to permanent residence.
What Is a Post-Graduation Work Permit (PGWP)?
A Post-Graduation Work Permit is an open work permit issued to international students who have graduated from an eligible designated learning institution (DLI) in Canada. Unlike employer-specific work permits, a PGWP allows you to work for any employer in Canada, in any occupation, for the duration of the permit.
The PGWP is a one-time opportunity. You can only receive one PGWP in your lifetime. This makes it critically important to understand the rules before you apply and to use the work experience you gain strategically toward permanent residence.
Key Facts at a Glance:
Permit type: Open work permit (any employer, any job)
Duration: 8 months to 3 years (depending on program length)
Application deadline: Within 180 days of receiving your final marks
Application fee: CAD ( work permit + open work permit holder fee)
The PGWP eligibility requirements changed substantially in late 2024. Whether the new rules apply to you depends on your lock-in date — the date you submitted your study permit application.
Basic Requirements (All Applicants)
Regardless of when you applied for your study permit, you must meet these baseline requirements:
Completed a program of at least 8 months in duration at a PGWP-eligible DLI
Maintained full-time student status in every academic semester (part-time in final semester is acceptable)
Received a letter or official notification confirming you completed your program and are eligible to receive your credential
Applied within 180 days of receiving your final marks or transcript
Had a valid study permit when you applied, or the study permit expired during the 180-day window
Who Is NOT Eligible
You cannot get a PGWP if:
You have already received a PGWP in the past
You studied English as a Second Language (ESL) or French as a Second Language (FSL) only
You took general interest or self-improvement courses
You received a Global Affairs Canada (GAC) scholarship that requires you to return to your home country
You completed more than 50% of your program through distance learning (with limited exceptions)
You graduated from a non-Canadian institution operating in Canada
You attended a DLI that is not PGWP-eligible
New Requirements for Study Permits Submitted On or After November 1, 2024
If your study permit application was submitted on or after November 1, 2024, you must also meet two additional requirements:
Language proficiency requirement (see next section)
Field of study requirement (for non-degree programs — see below)
Grandfathering Rule: If you submitted your study permit application before November 1, 2024, the new language and field of study requirements do not apply to you. You follow the previous rules. This is determined by your study permit application date, not your PGWP application date.
New Language Requirements (CLB 7 and CLB 5)
One of the biggest changes to the PGWP program is the introduction of mandatory language testing. Previously, there was no language requirement to get a PGWP. Now, if your study permit was submitted on or after November 1, 2024, you must prove your English or French proficiency.
Language Levels by Program Type
Program Type
Minimum Language Level
Field of Study Required?
Bachelor’s degree
CLB 7 (English) or NCLC 7 (French)
No
Master’s degree
CLB 7 (English) or NCLC 7 (French)
No
Doctoral degree (PhD)
CLB 7 (English) or NCLC 7 (French)
No
Other university programs
CLB 7 (English) or NCLC 7 (French)
Yes
College diploma or certificate
CLB 5 (English) or NCLC 5 (French)
Yes
Polytechnic programs
CLB 5 (English) or NCLC 5 (French)
Yes
Flight school graduates
Exempt
Exempt
What CLB 7 and CLB 5 Mean in Test Scores
You must achieve the minimum score in all four language skills (reading, writing, listening, speaking). Here is what CLB 7 and CLB 5 translate to on accepted tests:
Test
Skill
CLB 5 (College)
CLB 7 (University)
IELTS General
Listening
5.0
6.0
IELTS General
Reading
4.0
6.0
IELTS General
Writing
5.0
6.0
IELTS General
Speaking
5.0
6.0
CELPIP-General
All skills
5
7
PTE Core
Listening
39
50
PTE Core
Reading
33
50
PTE Core
Writing
51
59
PTE Core
Speaking
42
59
Tip for Filipino Students: Most Filipino students already have strong English skills. The IELTS General Training is the most widely available test in the Philippines and Canada. If you need CLB 7, aim for at least 6.0 in every band. Test results must be less than 2 years old at the time of your PGWP application. Book your test early — slots fill up fast near graduation season.
Field of Study Restrictions (2026 Frozen List)
The second major change is the field of study requirement. If your study permit was submitted on or after November 1, 2024, and you graduated from a non-degree program (diploma, certificate, post-graduate certificate), your program must be on IRCC’s list of eligible fields of study.
Who Needs to Meet the Field of Study Requirement?
College diploma and certificate graduates — must be in an eligible field
Post-graduate certificate/diploma graduates — must be in an eligible field
Other university non-degree programs — must be in an eligible field
Who Is Exempt?
Bachelor’s degree graduates — exempt from field of study requirement
Master’s degree graduates — exempt
Doctoral (PhD) graduates — exempt
Study permit submitted before November 1, 2024 — exempt (grandfathered)
Eligible Fields of Study (Categories)
IRCC lists over 1,100 eligible programs organized by CIP (Classification of Instructional Programs) codes. These programs are concentrated in areas of long-term labour shortages in Canada:
Category
Example Programs
Healthcare
Nursing, medical laboratory, pharmacy technician, dental hygiene, paramedicine
STEM
Computer science, engineering technology, information technology, biotechnology
Early childhood education, teacher education, special education
Social Services
Social work, community services, counselling
Transport & Infrastructure
Aviation, heavy equipment, logistics
2026 Freeze Alert: On January 15, 2026, IRCC confirmed that the list of PGWP-eligible fields of study is frozen for 2026. No programs will be added or removed this year. If your program is currently on the list, it will remain eligible. If it is not on the list, it will not be added until at least 2027.
Programs NOT Eligible: Many popular college programs are no longer PGWP-eligible for new study permit holders. These include most business administration diplomas, general management programs, hospitality management, and marketing diplomas at the college level. If you are choosing a program in 2026, verify eligibility before enrolling.
Private College (Curriculum Licensing) Restrictions
Programs delivered by a private career college on behalf of a public institution (curriculum licensing arrangements) are no longer PGWP-eligible, except in limited grandfathered cases:
Students who started on or before May 15, 2024 (same province as the public institution) may still qualify
Students who started on or before January 31, 2023 (different province) may still qualify
All other private college curriculum-licensing students are not eligible
PGWP Duration: How Long Is Your Work Permit?
The length of your PGWP depends on your program type and duration. There is a special rule for master’s degree graduates that makes the master’s pathway particularly attractive.
Program Type
Program Length
PGWP Duration
Master’s degree
8 months or more (any length)
3 years
Any eligible program
2 years or more
3 years
Any eligible program
8 months to less than 2 years
Same as program length
Any eligible program
Less than 8 months
Not eligible
Combined programs
Each 8+ months, total 2+ years
3 years
Master’s Degree Advantage: Since February 15, 2024, graduates of master’s degree programs receive a 3-year PGWP regardless of program length, as long as the program is at least 8 months. This is a significant advantage — even a 12-month master’s program qualifies for 3 years of work authorization. Master’s graduates are also exempt from the field of study requirement.
Important Notes on Duration
Passport expiry limit: Your PGWP cannot extend beyond your passport’s expiry date. If your passport expires before your PGWP period ends, the permit will only be issued up to the passport expiry date. You can apply to extend later with a renewed passport.
Distance learning deduction: For study permits submitted on or after September 1, 2024, time spent studying online outside Canada will be deducted from your PGWP duration.
50% in-class rule: You must complete at least 50% of your program in-person in Canada. Failing this means you are not eligible for a PGWP.
PGWP Application Process: Step-by-Step
The PGWP application must be submitted online through your IRCC online account. Paper applications are no longer accepted. Here is the step-by-step process:
If you have not already provided biometrics, you will receive a Biometrics Instruction Letter (BIL). You must visit a designated biometrics collection site within 30 days. In Canada, these are Service Canada locations.
Step 5: Wait for Processing
Processing times vary. While you wait, you can work under implied status (see below). Check your IRCC account regularly for updates or requests for additional documents.
Processing Times and Fees
Item
Cost (CAD)
Work permit processing fee
Open work permit holder fee
Total application fee
Biometrics fee (if required)
Total with biometrics
Processing time: PGWP applications submitted from inside Canada currently take approximately 80 to 180 days (3 to 6 months). Processing times can vary depending on the volume of applications and whether additional documents are requested. Check the IRCC processing times page for the most current estimates.
Working While Your PGWP Application Is Processing (Implied Status)
One of the most common questions Filipino students ask is: “Can I work while waiting for my PGWP?” The answer is yes, under the concept of implied status.
What Is Implied Status?
If you apply for a PGWP before your study permit expires, you are considered to have “implied status.” This means you can continue to work under the conditions of your study permit (including any co-op or off-campus work authorization) until a decision is made on your PGWP application.
Important: Implied status only applies if you submit your PGWP application while your study permit is still valid. If your study permit has already expired, you do not have implied status and cannot legally work until your PGWP is approved. This is why timing your application is critical.
After PGWP Expires: Bridging Open Work Permit (BOWP)
If your PGWP is about to expire and you have a pending permanent residence application, you may be eligible for a Bridging Open Work Permit (BOWP). This permit allows you to continue working while IRCC processes your PR application. You must have received an acknowledgement of receipt (AOR) for your PR application to be eligible for a BOWP.
PGWP to Permanent Residence: Your PR Pathways
The PGWP is not just a work permit — it is the foundation of your pathway to permanent residence. The Canadian work experience you gain on a PGWP is recognized by multiple immigration programs. Here are the most common pathways for Filipino graduates:
1. Canadian Experience Class (CEC) via Express Entry
The CEC is the most popular PR pathway for PGWP holders. Requirements:
1 year of skilled Canadian work experience (NOC TEER 0, 1, 2, or 3) gained within the last 3 years
Language proficiency: CLB 7 for NOC TEER 0/1, CLB 5 for NOC TEER 2/3
No education requirement (your Canadian credential is a bonus for CRS points)
Processing time: approximately 6 months
With a Canadian degree and Canadian work experience, Filipino graduates often score competitively in Express Entry draws. A Canadian credential adds up to 30 CRS points, and Canadian work experience adds up to 80 CRS points.
2. Provincial Nominee Programs (PNP)
Most provinces have PNP streams specifically designed for international graduates. A provincial nomination adds 600 CRS points to your Express Entry profile, virtually guaranteeing an invitation to apply.
Popular PNP streams for PGWP holders include:
Ontario: OINP Masters Graduate Stream, OINP Human Capital Priorities
British Columbia: BC PNP International Graduate Stream
If you have at least 1 year of continuous skilled work experience (not necessarily Canadian), you may also qualify under the FSWP through Express Entry. Canadian education and work experience earned during your PGWP will significantly boost your CRS score.
Strategic Tips for Filipino Students
Start accumulating skilled work experience immediately after graduation. CEC requires only 1 year of experience.
Choose employment in a NOC TEER 0, 1, 2, or 3 occupation to qualify for CEC.
Keep your language test results current — you will need them for both the PGWP and Express Entry.
Create your Express Entry profile early to receive CRS score estimates and monitor draw thresholds.
Consider a PNP nomination for the 600-point CRS bonus if your general CRS score is below draw thresholds.
Common Mistakes and Reasons for PGWP Refusal
PGWP applications can be refused. Avoid these common mistakes:
1. Missing the 180-Day Deadline
You must apply within 180 days of receiving your final marks or completion letter. This is a hard deadline. If you miss it, you lose your PGWP eligibility permanently. Mark the date and set reminders.
2. Applying with an Expired Study Permit
Your study permit must have been valid at some point during the 180-day window after program completion. If it expired before you finished your program, you may have a problem. Apply as soon as possible after graduation to avoid complications.
3. Insufficient Language Test Scores
If you need CLB 7 but score CLB 6 in one band, your application will be refused. Take a practice test before your official exam and allow time for a retake if needed.
4. Graduating from an Ineligible Program
Not all DLIs are PGWP-eligible. Private colleges with curriculum licensing arrangements are particularly risky. Verify eligibility before enrolling, not after graduating.
5. Dropping to Part-Time Status
You must maintain full-time status in every semester except your final one. Dropping courses to fall below full-time can disqualify you. If you are struggling academically, speak to your institution’s international student advisor before reducing your course load.
6. Studying Too Much Online (Outside Canada)
If more than 50% of your program was completed through distance learning, you are not eligible. For study permits issued after September 1, 2024, time spent studying online outside Canada is deducted from your PGWP duration.
Tips for Filipino Students in Canada
As a law office that serves the Filipino-Canadian community, we understand the unique challenges and advantages Filipino students face in the Canadian immigration system. Here are our recommendations:
Choosing the Right Program
Degree programs (bachelor’s, master’s) are the safest choice. They are exempt from field of study restrictions and only require CLB 7, which most Filipino students can achieve.
If choosing a college diploma, verify your program’s CIP code is on the PGWP-eligible list before enrolling. Focus on healthcare, STEM, trades, or education programs.
Avoid private colleges that deliver programs through curriculum licensing arrangements with public institutions — these are no longer PGWP-eligible.
A master’s degree is the strongest pathway: even a short 8-month program gives you a 3-year PGWP, exemption from field of study rules, and higher CRS points for Express Entry.
While You Study
Maintain full-time status every semester (except your last one)
Work part-time to gain Canadian experience and build professional networks
Prepare your language test early — do not wait until after graduation
Keep all documents organized: transcripts, study permits, enrollment letters, completion letters
Renew your passport well in advance of graduation to maximize your PGWP duration
After Graduation
Apply for the PGWP as soon as possible after receiving your completion letter
Target skilled occupations (NOC TEER 0, 1, 2, or 3) for your first job to qualify for CEC
Create your Express Entry profile once you have work experience to start receiving invitations
Connect with the Filipino community — Filipino professional networks, community organizations, and Filipino-Canadian lawyers can provide valuable support and guidance
Frequently Asked Questions (FAQ)
Can I apply for a PGWP from outside Canada?
Generally, you should be in Canada when you apply. If you left Canada temporarily and your study was primarily in-person in Canada, you may still be eligible. However, if you completed more than 50% of your program outside Canada through distance learning, you are not eligible.
What if I did two shorter programs instead of one long program?
You can combine two programs to meet the 2-year threshold for a 3-year PGWP, provided each program is at least 8 months long, each is from a PGWP-eligible DLI, and you had a valid study permit for each program. The combined program length determines your PGWP duration.
Do the new language and field of study rules apply to me if I started studying before November 2024?
It depends on when you submitted your study permit application. If your study permit application was submitted before November 1, 2024, the new language and field of study requirements do not apply to you, even if you are graduating in 2026 or later.
I am in a business diploma program. Am I still eligible?
Most general business and management diploma programs are no longer PGWP-eligible for students whose study permits were submitted on or after November 1, 2024. Check your specific program’s CIP code against the IRCC eligible fields list. If you submitted your study permit before November 1, 2024, you are grandfathered and still eligible.
Can my spouse or common-law partner work while I am on a PGWP?
Your spouse or common-law partner may be eligible for an open work permit while you hold a valid PGWP, but eligibility depends on your NOC level and specific circumstances. Changes to spousal open work permit eligibility have occurred in recent years, so consult an immigration lawyer for current rules.
What happens if my PGWP application is refused?
If your PGWP application is refused, you cannot reapply (since you can only receive one PGWP). However, you may have other options depending on the reason for refusal, such as applying for a different type of work permit. It is critical to get professional legal advice immediately if your PGWP is refused.
Can I extend my PGWP?
Generally, PGWPs cannot be extended. However, some temporary measures have been introduced in past years allowing one-time extensions in specific circumstances. As of 2026, there is no general PGWP extension policy in place. If your PGWP is expiring, focus on transitioning to permanent residence or applying for a Bridging Open Work Permit if you have a pending PR application.
What is the difference between a PGWP and a regular open work permit?
A PGWP is a specific type of open work permit available only to graduates of eligible Canadian programs. Like other open work permits, it allows you to work for any employer. The key difference is that you can only get a PGWP once, it is tied to your educational program, and it has specific eligibility rules (program length, DLI eligibility, etc.).
How JCA Law Office Can Help
At JCA Law Office Professional Corporation, we specialize in serving the Filipino-Canadian community with immigration, family law, and legal services. Our team understands the unique needs of Filipino students navigating the Canadian immigration system.
We can help you with:
PGWP application review and filing — ensuring your application is complete, accurate, and submitted on time
Eligibility assessment — determining whether you meet the new language and field of study requirements
PGWP refusal response — advising on your options if your application is refused
Express Entry and PNP applications — transitioning from PGWP to permanent residence
Bridging Open Work Permit — maintaining your work authorization while your PR application is processed
Spousal work permit applications — helping your partner obtain work authorization
Book Your PGWP Consultation Today
Do not risk your one-time PGWP opportunity. Let our experienced immigration team review your eligibility, prepare your application, and plan your pathway to permanent residence.
Last updated: February 2026. Immigration rules change frequently. This guide is for informational purposes only and does not constitute legal advice. Contact JCA Law Office for advice specific to your situation.
The Labour Market Impact Assessment (LMIA) is the gateway document that Canadian employers must obtain before hiring most foreign workers. For Filipino workers and the Canadian employers who want to hire them, understanding the LMIA process is essential. This comprehensive 2026 guide covers every aspect of the LMIA — from high-wage and low-wage stream differences to the latest regional restrictions, fees, processing times, and practical tips for success.
Last updated: February 2026. This guide reflects the latest LMIA policy changes, including the January 9, 2026 regional processing updates and current median wage thresholds.
What Is an LMIA and Why Is It Needed?
A Labour Market Impact Assessment (LMIA) is a document issued by Employment and Social Development Canada (ESDC) that a Canadian employer must obtain before hiring a foreign worker. The LMIA verifies that:
There is a genuine need for a foreign worker to fill the position
No Canadian citizen or permanent resident is available to do the job
Hiring the foreign worker will have a positive or neutral impact on the Canadian labour market
The employer is offering wages and working conditions that meet Canadian standards
A positive LMIA (sometimes called a “confirmation letter”) allows the foreign worker to apply for a work permit through Immigration, Refugees and Citizenship Canada (IRCC). Without a positive LMIA, most employer-specific work permit applications cannot proceed.
For the Filipino community, the LMIA is particularly significant. Thousands of Filipino workers come to Canada each year as caregivers, skilled tradespeople, healthcare workers, food service workers, and professionals. The LMIA is often the first critical step in their Canadian journey — and for many, it becomes a pathway to permanent residency.
High-Wage vs. Low-Wage LMIA Streams: Key Differences
The Temporary Foreign Worker Program (TFWP) divides LMIA applications into two main streams based on the provincial or territorial median hourly wage. Whether your job offer falls above or below this threshold determines which set of rules applies.
2025–2026 Provincial Median Wage Thresholds
These thresholds were last updated on June 27, 2025 and are used to classify positions as high-wage or low-wage:
Province / Territory
Median Hourly Wage Threshold
Ontario
$36.00
British Columbia
$36.60
Alberta
$36.00
Quebec
$34.62
Saskatchewan
$33.60
Manitoba
$30.16
Nova Scotia
$30.00
New Brunswick
$30.00
Source: ESDC, updated June 27, 2025. Thresholds are reviewed annually.
If the wage you are offering is at or above the threshold for your province, you apply under the High-Wage Stream. If it is below the threshold, you apply under the Low-Wage Stream.
Comparison: High-Wage vs. Low-Wage LMIA Streams
Feature
High-Wage Stream
Low-Wage Stream
Wage Requirement
At or above provincial median
Below provincial median
Transition Plan
Required (plan to reduce reliance on TFWs)
Not required
Workforce Cap
No cap
10% of workforce (20% for construction, food manufacturing, hospitals, nursing facilities)
Work Permit Duration
Up to 2 years
Up to 1 year
Regional Restrictions
Generally not affected by regional unemployment
Refused in CMAs with unemployment ≥ 6%
Housing Requirement
Not required
Must provide or ensure affordable, suitable housing (< 30% of pre-tax income)
Transportation
Not required (but recommended)
Must pay round-trip transportation to and from Canada
Processing Time
~50 business days
~44 business days
Application Fee
$1,000 per position
$1,000 per position
Important for Ontario Employers: With Ontario’s median wage threshold at $36.00/hour, many positions in food service, retail, hospitality, and caregiving fall under the Low-Wage Stream. This means additional requirements including housing, transportation, and regional unemployment restrictions apply. Employers in the GTA should plan accordingly.
LMIA Application Process: Step-by-Step
The LMIA application process requires careful planning and documentation. Here is a detailed breakdown of each step:
Step 1: Determine Your Stream
Compare the wage you plan to offer against the provincial median hourly wage for your province (see table above). This determines whether you apply under the High-Wage or Low-Wage Stream and the specific requirements that apply.
Step 2: Conduct Recruitment Advertising
Before applying, you must demonstrate genuine efforts to hire Canadians and permanent residents. Advertising must meet these requirements:
Minimum 3 recruitment methods:
Job Bank posting (mandatory) — using the Job Match service
At least 2 additional methods (e.g., industry websites, newspapers, job fairs, recruitment agencies)
Duration: Advertisements must run for a minimum of 4 consecutive weeks within the 3 months before your LMIA application
Ongoing requirement: At least one recruitment method must remain active until a decision is made on your LMIA
Job Match: You must invite all Job Bank candidates rated 4 stars or higher to apply within the first 30 days
Your job advertisements must include:
Company name and business address
Job title and detailed duties
Terms of employment (full-time, permanent, etc.)
Language of work
Wages (including any raises or bonuses), which must meet the prevailing wage
Benefits offered
Work location(s)
Contact information
Skill and experience requirements
Step 2A: Target Underrepresented Groups (Low-Wage Stream)
For the Low-Wage Stream, at least two of your additional recruitment methods must target underrepresented groups, including:
Vulnerable youth
Indigenous peoples
Newcomers to Canada
Persons with disabilities
Asylum claimants
Step 3: Determine the Prevailing Wage
You must offer the prevailing wage, which is the higher of:
The Job Bank median wage for the specific occupation and work location, OR
The wage range you currently pay existing employees in the same position with similar experience
Only guaranteed wages count — overtime, tips, bonuses, commissions, and benefits are excluded. Employers must review and update the prevailing wage annually using the latest Job Bank data (updated November 19, 2025).
Warning: If the wage in your advertisement does not match the prevailing wage, your LMIA application will be refused, and you will need to re-advertise for 4 weeks and start the process over. This is one of the most common reasons for LMIA refusal. Double-check wages before advertising.
Step 4: Prepare Your Transition Plan (High-Wage Only)
If applying under the High-Wage Stream, you must submit a Transition Plan describing your activities to recruit, retain, and train Canadians and permanent residents, and how you will reduce reliance on the TFWP over time.
Exemptions from the Transition Plan requirement:
In-home caregivers and healthcare providers
Primary agriculture and Seasonal Agricultural Worker Program (SAWP) positions
Positions of limited duration (up to 2 years maximum)
Applications supporting permanent residency only (no work permit)
Step 5: Gather Required Documents
Prepare the following documentation for your LMIA application:
Completed LMIA application form (EMP 5593 or EMP 5626)
Business registration and incorporation documents
Proof of recruitment efforts (copies of all advertisements with dates)
Proof of Job Bank posting and Job Match invitations
Records of all Canadian applicants interviewed and reasons for rejection
Transition Plan (High-Wage Stream)
Proof of business legitimacy (business licence, CRA documents, financial statements)
Housing inspection report or housing offer (Low-Wage Stream)
Proof of private health insurance coverage for the worker (if applicable)
$1,000 processing fee per position (credit card or certified cheque)
Step 6: Submit the LMIA Application
Submit your completed application to Service Canada through the LMIA Online Portal or by mail. Applications are assessed based on:
Whether the job offer is genuine
Whether adequate recruitment efforts were made
Whether wages and working conditions meet Canadian standards
The impact on the Canadian labour market
Whether the employer has a track record of compliance
Step 7: Receive LMIA Decision
If approved, you receive a positive LMIA (confirmation letter). The worker then uses this to apply for a work permit through IRCC. The positive LMIA is valid for 6 months from the date of issuance (reduced from 18 months under previous rules).
Advertising Requirements in Detail
Proper recruitment advertising is the foundation of a successful LMIA application. Getting this wrong is one of the most common reasons for refusal.
Requirement
Details
Job Bank Posting
Mandatory for all LMIA applications. Must use the Job Match service.
Additional Methods
Minimum 2 other methods (High-Wage: 1 must be national in scope; Low-Wage: must target underrepresented groups)
Duration
Minimum 4 consecutive weeks within 3 months before LMIA submission
Ongoing Recruitment
At least 1 method must remain active until LMIA decision
Job Match Invitations
Must invite all 4-star+ candidates within first 30 days
Record Keeping
Must maintain records of all recruitment efforts for inspection purposes
Primary Agriculture
As of January 1, 2026, proof of advertisement submission is required again (reinstated)
Community organizations serving underrepresented groups
Prevailing Wage Determination
Getting the wage right is critical. The prevailing wage is the minimum wage you must offer to the foreign worker. It is determined as follows:
Look up the Job Bank median wage for the specific NOC code and work location
Compare this to the wage you currently pay existing employees in the same role
Offer whichever is higher
The prevailing wage data on Job Bank is updated annually each fall. The most recent update was on November 19, 2025. Employers must reassess wages by January 1 following each annual update.
Tip for Employers: Use the Job Bank Wage Report to look up the prevailing wage for any occupation by NOC code and location. Always verify this before advertising the position.
2026 LMIA Reforms and Regional Restrictions
The Canadian government has made significant changes to the LMIA program in 2025 and 2026, primarily aimed at protecting the domestic labour market during a period of elevated unemployment in several regions.
Major 2025–2026 LMIA Policy Changes
Change
Details
Effective Date
LMIA Validity Reduced
Positive LMIAs now valid for 6 months (down from 18 months)
2024
Regional Unemployment Freeze
Low-wage LMIAs refused in CMAs with unemployment ≥ 6%
September 26, 2024
Workforce Cap Reduced
Low-wage TFW cap reduced to 10% of workforce (from 20%)
2024
Work Permit Duration Cut
Low-wage work permits reduced to 1 year (from 2 years)
2024
8 Regions Reopened
Low-wage processing resumed in 8 CMAs where unemployment dropped below 6%
January 9, 2026
Agriculture Advertising Reinstated
Primary agriculture LMIA applications must include proof of advertisement
January 1, 2026
TFWP Admissions Target
LMIA-based work permits capped at 60,000 for 2026 (down from 82,000)
2026
Priority Processing
Expedited processing for healthcare, technology, and engineering occupations
2026
Regional Restrictions: Where Low-Wage LMIAs Are Processed
Since September 2024, Service Canada refuses to process low-wage LMIA applications in Census Metropolitan Areas (CMAs) where the unemployment rate is 6% or higher. This list is updated quarterly.
As of January 9, 2026:
Regions Where Low-Wage LMIA Processing RESUMED
These 8 CMAs now have unemployment below 6% and are eligible for low-wage LMIA applications:
Vancouver, BC
Winnipeg, MB
Kingston, ON
Halifax, NS
Moncton, NB
Saint John, NB
Fredericton, NB
Montréal, QC
Major Regions That Remain BLOCKED
These major CMAs still have unemployment ≥ 6% and cannot process low-wage LMIAs:
Toronto, ON
Calgary, AB
Edmonton, AB
Ottawa-Gatineau, ON/QC
And approximately 20 other CMAs across the country
Important for GTA Employers: Toronto remains blocked for low-wage LMIA processing. If you need to hire foreign workers in the GTA for positions below the $36.00/hour threshold, you will need to explore alternative strategies such as the High-Wage Stream, LMIA-exempt work permits, or Provincial Nominee Programs. Contact JCA Law Office to discuss your options.
Exemptions from the regional freeze: Even in blocked CMAs, low-wage LMIA applications are still accepted for:
Primary agriculture and Seasonal Agricultural Worker Program (SAWP)
Food processing (fish and seafood)
Construction (select occupations)
Healthcare (select positions)
Short-duration positions (120 days or less)
In-home caregivers for persons with high medical needs
The next quarterly update to the eligible/ineligible regions list is expected on April 10, 2026.
LMIA Fees and Costs
Cost Item
Amount
Notes
LMIA Processing Fee
$1,000 per position
Non-refundable (except for payment errors). Cannot be recovered from the worker.
Fee Exemptions
$0
Primary agriculture, caregiving for medical needs, and childcare positions (household income ≤ $150,000)
Recruitment Advertising
$500 – $3,000+
Varies by method (Job Bank is free; Indeed, newspapers, and agencies cost more)
Legal Fees
Varies
Immigration lawyer fees for LMIA preparation and submission
Housing (Low-Wage)
Varies
Employer must provide or ensure suitable, affordable housing
Transportation (Low-Wage)
Varies
Employer must pay round-trip transportation to and from Canada
Health Insurance
Varies
Private health insurance until provincial coverage begins
Critical Rule: Employers are strictly prohibited from recovering the $1,000 LMIA processing fee from the foreign worker. Doing so is a violation of TFWP regulations and can result in penalties, bans, and placement on the ineligibility list.
LMIA Processing Times (2026)
Processing times vary by LMIA stream and are updated monthly by Service Canada. As of early 2026:
LMIA Stream
Processing Time
High-Wage Stream
~50 business days
Low-Wage Stream
~44 business days
Global Talent Stream (GTS)
~10 business days
Seasonal Agricultural Worker Program (SAWP)
~10 business days
Agricultural Stream
~15 business days
Permanent Residence Stream
~274 business days
Source: ESDC. Processing times are updated monthly and can vary based on application volume.
Priority processing is now available for critical occupations in healthcare, technology, and engineering sectors. Applications in these fields may be processed faster than the standard timelines above.
After the LMIA is approved: The worker must then apply for a work permit through IRCC, which adds additional processing time (typically 2–16 weeks depending on the country of application and processing office). Filipino workers applying from the Philippines should factor in visa office processing times at the Manila office.
LMIA-Exempt Categories
Not all work permits require an LMIA. The International Mobility Program (IMP) allows certain foreign workers to obtain work permits without one. The government has planned 170,000 LMIA-exempt work permits for 2026. Key LMIA-exempt categories include:
International Trade Agreements
CUSMA (formerly NAFTA): Professionals, intra-company transferees, and traders/investors from the US and Mexico
CETA: Similar provisions for EU nationals
Other trade agreements: Various bilateral and multilateral agreements
Intra-Company Transfers (ICT)
Multinational companies transferring executives, managers, or specialized knowledge workers to Canadian branches
Must have worked continuously for the company for at least 1 year
Work permits issued for up to 3 years (with extensions of up to 2 years)
Significant Benefit
Employment that provides significant social, cultural, or economic benefit to Canada
Assessed based on the worker’s track record and expert recommendations
Other LMIA-Exempt Work Permits
Post-Graduation Work Permits (PGWP): For international graduates of Canadian institutions
International Experience Canada (IEC): Youth mobility exchange programs
Spousal Open Work Permits: For spouses of skilled workers or international students
Bridging Open Work Permits: For workers transitioning to permanent residency
Caregiver Pilot Programs: Home Child Care Provider and Home Support Worker pilots (no LMIA required)
Caregiver LMIA: Special Considerations
Caregiving is one of the most common pathways for Filipino workers coming to Canada. Understanding the LMIA landscape for caregivers is essential.
Caregiver Pilot Programs (LMIA-Exempt)
The 2026 Home Child Care Provider Pilot and Home Support Worker Pilot allow caregivers to come to Canada without an LMIA. Instead, the worker applies directly with a qualifying job offer and receives an Occupation-Restricted Work Permit (OROWP).
Eligibility requirements for the Caregiver Pilot Programs:
Education: Canadian high school diploma equivalent (verified through ECA from WES, IQAS, or ICES)
Experience: At least 6 months of relevant caregiving experience in the past 3 years
Job Offer: Full-time employment from a Canadian employer under NOC 44100 (Home Child Care Provider) or NOC 44101 (Home Support Worker)
Pathway to PR: Applicants may gain permanent residency status, with spouses and children eligible for open work or study permits
Traditional Caregiver LMIA
For caregivers who do not qualify under the pilot programs, an employer may still apply for an LMIA under the in-home caregiver stream. Key rules include:
The $1,000 LMIA fee may be exempt for caregiving positions for persons with medical needs and childcare positions where household income is $150,000 or less
Applications requiring workers to live in the employer’s home are generally refused, unless the position serves clients with high medical needs or there are documented exceptional circumstances
Caregivers in the Low-Wage Stream are generally exempt from the regional unemployment freeze and workforce cap requirements
Filipino Caregivers: The Caregiver Pilot Programs are designed with pathways to permanent residency, making them an attractive option for Filipino caregivers. JCA Law Office has extensive experience helping Filipino families navigate both the LMIA-based and pilot program pathways. Book a consultation to discuss which route is best for your situation.
Common Reasons for LMIA Refusal
Understanding why LMIAs get refused can help you avoid costly mistakes. Here are the most common grounds for refusal:
1. Inadequate Recruitment Efforts
Advertisements did not run for the full 4 consecutive weeks
Wage offered is below the prevailing wage for the occupation and location
Wage in the advertisement does not match the LMIA application
Failure to update wages after the annual Job Bank data update
3. Job Offer Not Genuine
The employer is not actively engaged in the business
There is no reasonable employment need for the position
The position was created primarily to facilitate a work permit rather than meet a genuine business need
4. Regional Unemployment Restrictions
Low-wage application submitted for a CMA with unemployment ≥ 6%
This is an automatic refusal — no discretion involved
5. Workforce Cap Exceeded
The employer already has 10% (or 20% for exempt sectors) of their workforce in low-wage TFW positions
6. Employer Compliance Issues
Employer is on the IRCC ineligibility list due to past non-compliance
History of unpaid wages, misreporting, or failure to maintain proper records
Previous LMIA revoked within the past 2 years for providing false or misleading information
Employer found to have insufficient financial ability to pay wages for the employment duration
7. Incomplete Documentation
Missing required documents or forms
Unsigned or incomplete application forms
Missing proof of business legitimacy
Tips for Employers Hiring Filipino Workers
Filipino workers are among the most sought-after foreign workers in Canada, known for their strong work ethic, English proficiency, and adaptability. Here are practical tips for Canadian employers looking to hire Filipino talent:
1. Start the Process Early
The LMIA process takes time. Between the 4-week advertising requirement, LMIA processing (44–50 business days), and the subsequent work permit application, the entire process can take 4 to 8 months. If the worker is applying from the Philippines, add time for visa office processing at the Canadian embassy in Manila. Plan accordingly.
2. Work with an Immigration Lawyer
The LMIA process is detailed and technical. A single error in your advertising, wage calculation, or documentation can result in refusal — and you would need to start the recruitment process over. An experienced immigration lawyer can ensure your application is complete, compliant, and positioned for approval.
3. Offer Competitive Wages and Benefits
The prevailing wage is the minimum, not the target. Offering competitive wages demonstrates genuine need and makes your application stronger. Consider offering benefits like health insurance, transportation support, and settlement assistance.
4. Understand Cultural Considerations
Filipino workers bring valuable cultural assets to Canadian workplaces. Understanding Filipino workplace culture can help build productive working relationships:
Respect for authority: Filipino workers may be reluctant to question instructions or report issues. Create an open, supportive environment where concerns can be raised safely.
Strong community ties: Many Filipino workers have obligations to family back home. Showing understanding of remittance needs and family commitments builds loyalty.
Avoid exploitative arrangements: Never require workers to pay recruitment fees, live in your home (unless the position genuinely requires it and meets exemption criteria), or accept wages below the prevailing rate. These practices are illegal and harm both the worker and your business.
5. Keep Impeccable Records
ESDC can inspect your compliance at any time. Maintain detailed records of:
All recruitment advertisements (with dates and screenshots)
Resumes of Canadian applicants and reasons for rejection
Pay stubs, work schedules, and employment contracts
Housing arrangements and inspections (Low-Wage Stream)
Transportation receipts (Low-Wage Stream)
6. Plan for Pathways to Permanent Residency
Many Filipino workers are seeking a long-term future in Canada. Supporting their path to permanent residency — whether through Provincial Nominee Programs, Express Entry, or Caregiver Pilots — helps you retain skilled, experienced workers and demonstrates your commitment to their wellbeing.
7. Beware of LMIA Fraud and Scams
Unfortunately, LMIA fraud is a significant issue that affects Filipino workers. Be aware of:
Ghost employers who charge fees for fake LMIA applications
Unlicensed recruiters who charge excessive placement fees
Wage theft schemes where the worker is promised one wage but paid less
As a legitimate employer, working with a licensed immigration lawyer protects both you and the worker from these risks.
Frequently Asked Questions
How much does an LMIA cost?
The LMIA processing fee is $1,000 per position. This fee is paid by the employer and cannot be recovered from the worker. Some positions are exempt from the fee, including primary agriculture and certain caregiver roles. Additional costs include recruitment advertising ($500–$3,000+) and legal fees.
How long does the LMIA process take?
Processing times vary by stream: approximately 50 business days for high-wage, 44 business days for low-wage, and 10 business days for the Global Talent Stream. Add 4 weeks for mandatory advertising and additional time for the subsequent work permit application. The total process from start to work permit issuance typically takes 4 to 8 months.
Can I apply for an LMIA in Toronto for a low-wage position?
As of January 9, 2026, Toronto remains ineligible for low-wage LMIA processing because the unemployment rate exceeds 6%. Exceptions exist for primary agriculture, certain healthcare positions, construction, and short-duration positions (120 days or less). The list is updated quarterly; the next review is April 10, 2026.
What is the difference between an LMIA and a work permit?
An LMIA is a document obtained by the employer confirming that hiring a foreign worker will not negatively impact the Canadian labour market. A work permit is obtained by the worker and authorizes them to work in Canada. The worker typically needs a positive LMIA before they can apply for a work permit.
Can my worker change employers with an LMIA-based work permit?
LMIA-based work permits are employer-specific, meaning the worker can only work for the employer named on the permit. If the worker wants to change employers, the new employer must obtain a new LMIA and the worker must apply for a new work permit.
What happens if my LMIA is refused?
If your LMIA is refused, you can address the issues identified and reapply. There is no formal appeal process, but you may request a reconsideration. You will need to pay the $1,000 fee again. If the refusal was due to inadequate advertising, you must conduct new recruitment for the full 4 weeks before reapplying.
How long is a positive LMIA valid?
A positive LMIA is valid for 6 months from the date of issuance (reduced from 18 months under previous rules). The worker must apply for their work permit within this window. If the LMIA expires before the work permit is obtained, the employer must apply for a new LMIA.
Do I need an LMIA to hire a Filipino caregiver?
Not necessarily. The Home Child Care Provider Pilot and Home Support Worker Pilot allow caregivers to come to Canada without an LMIA. The caregiver applies directly with a qualifying job offer. However, if the caregiver does not meet the pilot program requirements, the employer may need to obtain a traditional caregiver LMIA.
How JCA Law Office Can Help
At JCA Law Office Professional Corporation, we have extensive experience helping Canadian employers navigate the LMIA process and hire Filipino workers. Our services include:
LMIA Application Preparation: Complete preparation and submission of your LMIA application, including recruitment strategy, advertising compliance, wage analysis, and documentation
Stream Selection Strategy: Advising on whether the High-Wage, Low-Wage, Global Talent Stream, or an LMIA-exempt pathway is best for your situation
Work Permit Applications: Assisting the worker with their work permit application after LMIA approval
Compliance Support: Helping employers maintain records and meet ongoing TFWP compliance requirements
Caregiver Programs: Guiding families and caregivers through both LMIA-based and pilot program pathways
Permanent Residency Pathways: Planning for the worker’s transition from temporary work permit to permanent residence through Express Entry, PNPs, or Caregiver Pilots
As a Filipino-Canadian law firm, we understand the unique dynamics of hiring Filipino workers and can bridge the cultural and legal gap to ensure a smooth process for both employers and workers.
Ready to Start Your LMIA Application?
Whether you are a Canadian employer looking to hire Filipino talent or a Filipino worker seeking guidance on the LMIA process, JCA Law Office is here to help. Our team provides personalized, culturally sensitive legal services in English, Filipino, and Tagalog.