Stress disorders and other mental ill health may be brought on by the disruption caused by resettlement. We examine female newcomers' experiences of adjusting to a new place, metropolitan Toronto, Canada and a new health care system. We consider sources of mental stress experienced during adjustment. We frame this adjustment as a process that happens over place and through time. Thematic findings of interviews (n = 35) with female newcomers from five cultural-linguistic groups are reported. Sources of stress in adjusting to life in Toronto include: navigating a new place, personal safety concerns, adapting to a new lifestyle, and finding employment. Sources of stress in adjusting to a new health care system include: learning how to access care, not having access to specialists, and adapting to a new culture of care. We conclude by considering the implications of what newcomers report for the delivery of primary mental health care (i.e. 'first contact' care).The Lupina Foundatio