February 12, 2026 Edition

Hi there,

Before we dig into today’s content (which includes our detailed guide to staying in Canada if your work permit is expiring soon) – we wanted to share a quick reminder:

We’re going live in 2 hours 🚨

Our very own Rachel will be discussing building financial stability in Canada with Senior Financial Advisor, Sajedeh Eskandari. This webinar is loaded with tips, no matter where you are on your financial journey in Canada.

Join us on YouTube – and bring your questions. There’s a Q&A portion at the end!

Your Immigration Updates

If your work permit is expiring soon, you’re probably wondering what happens next. With hundreds of thousands set to expire in the coming months – and tighter limits on temporary residents – waiting it out isn’t a strategy.

Start by checking your expiry date. The most important thing you can do is apply before your status runs out. Filing on time can help you stay in Canada legally while IRCC reviews your application, and in some cases, continue working. Plus, the earlier you act, the more flexibility you may have.

Your options will depend on your situation. You may be able to extend your work permit, change your status to a visitor or student, or remain in Canada while a permanent residence application is in process. Keep in mind that switching your status may mean you must stop working once your permit ends.

New data shows IRCC’s approval rates from January to July 2025. Over that period, applicants with Canadian experience or a provincial nomination tend to have higher approval rates, while study permits, visitor visas, and some work permits have lower approval rates

Highlights from Jan–July 2025:

  • Study permits: 38% (up from 32%) – still low, but improving.

  • Visitor visas (TRV): 50% (up from 48%) – basically a coin flip.

  • Work permits (IMP): 47% (down from 69%) – a sharp drop worth watching.

  • Work permits (TFWP): 67% (extensions 50%) – fairly steady.

  • PR through Express Entry: CEC 92%, FSW 75%, PNP (EE) 97%

  • PNP (non-EE): 97% – one of the most reliable routes.

What this means for you: Approval rates are averages, not guarantees. But if you’re applying in a lower-approval category (especially study permits or IMP work permits), it’s a sign to be extra careful with your documents, explanations, and proof you meet the rules.

Immigration In The Media

Quebec is still facing backlash after ending the Quebec Experience Program (PEQ) and replacing it with a new system called the Skilled Worker Selection Program (PSTQ). Protests have taken place in several cities. Critics say the change has left many students and workers stuck in uncertainty.

This week, Immigration Minister Jean-François Roberge said his department is looking at “different scenarios” for a transition period. In other words, Quebec may create a temporary bridge between PEQ and PSTQ. The goal would be to give people who were already living in Quebec when PEQ ended a clearer path forward.

For now, Quebec is still directing applicants to Arrima under PSTQ. Invitations are sent each month. The province says it will prioritize people outside Montreal and Laval, especially in health care, education, and construction.

We’re Going Live in 2 Hours!

Don’t miss Moving2Canada’s live webinar on building financial stability in Canada, brought to you in partnership with Scotiabank.

Joined by Sajedeh Eskandari, Senior Financial Advisor at Scotiabank, we’ll break down what smart money planning looks like when you’re new to Canada – from surviving to thriving, practical next steps at every stage, and how Scotiabank can support your plan.

Join us Today, February 12 on your favourite platform:

Money Matters: Ways to Get Your Money Back on Track

If you’re feeling that post-holiday debt hangover, here are a few simple steps to get back on track.

1) Take a 10-minute “debt snapshot.” Write down each balance, the interest rate, the minimum payment, and the due date. Seeing it clearly makes it easier to plan.

2) Pick a payoff focus. Keep making the minimum payments on all your debts. Then choose one balance to put any extra money toward each month. This helps you make steady progress without feeling overwhelmed.

3) Create a simple 2026 budget. List your monthly income and your main expenses, including debt payments. This shows what you can afford and where you can cut back.

4) Start (or rebuild) a small emergency fund. Set aside what you can so surprise costs don’t go straight onto a credit card. A small cushion can make a big difference.

If you think you might miss a payment, contact your lender early. Ask what options are available before you fall behind.

Career Moves: The 15-Minute Coffee Chat That Builds Your Network

An informational interview is a short chat (about 15–20 minutes) with someone who works in your field. You’re not asking for a job. Instead, you’re asking how hiring really works in Canada, what skills matter, what job titles mean, and what employers expect.

Find one person on LinkedIn or a company website, send a simple message, and ask for a quick call or coffee. Show up with questions, listen closely, and end with: “Is there anyone else you recommend I speak with?”

Follow up, say thanks and stay in touch. It may not lead to a job tomorrow. But it often leads somewhere. And sometimes, that’s exactly how doors open to job opportunities.

Today's Tip: Valentine’s Day Plans (Without the Restaurant Stress)

If you haven’t made a Valentine’s reservation yet, don’t panic – with February 14 just two days away, many restaurants are likely already fully booked. But Valentine’s Day doesn’t have to mean menus and crowded dining rooms.

Why not try something different?

Take a “hot chocolate walk” – pick a neighbourhood, bundle up, and stop at a cozy café.

Plan an at-home restaurant night – cook (or order in), light candles, and plate everything like you’re dining out.

Host a Friendship Valentine’s – invite friends over for a snack potluck + movie night.

Sometimes the low-key plans end up being the most memorable.

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