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Immigrating with a citizen in the family
Well we are (hopefully) going to be making the BIG move over from UK to BC by early 2008. I am jus waiting for my citizenship papers to come back before we can get the next stage rolling.
I was just wondering, apart from the obvious time benefit, if there were any other benefits of immigrating as a citizen other than the normal route, my husband still needs to be sponsored to come. Can we move before his sponsorship comes through?
I hear that citizens are seen as 'coming home' on paper, but do Canadians see it this way? Are the rules for money lending still the same, I guess they will be and would employers view it differently.
Just trying to glean as much info as I can on all aspects of the move so there are no hidden surprises (apart from good ones anyway!).
Love to hear from any and all, especially if you are 'living the dream' over BC way.
First let me welcome you to the Ex-pats website, and tell you that here in Canada we only have one class of citizen. If you are a Canadian citizen, it doesn't matter where you were born, or when. We accept people from every nation here as Canadians and don't give it a moments thought.
What IS important is how you conduct yourself, and how you work to learn about the country and the people that came here before you did. Educate yourself and the rest of your family on how to be good Canadians, in every sense of the word.
Yes your husband has to be sponsored by you, and if he doesn't have official permission to seek work in Canada, he will not be hired, as all employers are required by law to see his Immigration Canada paperwork at the interview stage of the employment process. This is not anything against him , it is simply a way to protect our citizens job prospects.
As a Canadian citizen, you should make sure that your resume and any job application forms that you fill out make it very clear that you ARE a Canadian citizen. Your UK accent will be obvious to us and most will ASSUME that you are a Immigrant , not a citizen. Make it clear in any interview that you are a citizen of Canada. That wil help if you are applying for any Government job, where citizens get additional points on the interview, compared to Immigrants with the same qualifications.
As a citizen you are in somewhat of an advantage compared to other Immigrants for lending sitautions, B U T , you have NO credit history in Canada so don't plan on getting a loan for some time. as you need to establish your credit worthiness, by showing that you can and will, make monthly payments on such things as rent, utilities, phone, and other small amounts. This again is no reflection on you, but is the result of some past newcomers taking out large loans, cashing them, and then skipping back home, wherever that may be.
The criteria for getting a home mortgage are simple.
How much do you make per year? How long have you been employed there? And how much are you all ready commited to spending each month now? A married couple are rated on their combined net income, and their combined monthly costs. Most people go and get " pre approved " for a actual amount of a mortgage and then shop for a house, knowing that they have that amount of money available to them from the bank. Down payments are usually 10 percent of the selling price of the house. Current annual lending rates are about 4 or 5 percent, but can be negotiated, with either a fixed rate, or a floating rate of annual interest.
You didn't mention if you have kids? If so they will need to be taken into consideration in this move, and if old enough, given as much info as possible, to soften the affect on them.
A final bit of advice, as soon as you have your Canadian Citzenship Card in hand, apply for a Canadian passport. You are entitled to it and it is proof positive of your being a Canadian citizen. Use it when you travel to Canada. You should plan to visit here, before you come on a permanent basis, to get a feel for things and to find where you want to live in B.C.
Do as much research as you can, before you come here for a visit.
What else can I tell you? Ask me here.
Cheers, Jim Bunting. Toronto.
- Forum Legend
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