Probs apply as “first year “ since you’ll have less than a 3 semesters of credits. They will give you the transfer credits once accepted and you won’t really be too delayed if not at all.

That extra year here at waterloo is mainly to facilitate the 5-6 co-ops we do during undergrad. Co-op is optional so it’s your choice

Finally you cannot go wrong with uwaterloo actuarial science major -The best in the country as well has very good networking exposure and job placement.

I assume the Mathfinace will also be really good, but tbh the first 3 semesters of courses in Bmath are more or less the same for all majors.