I'd go to UBC or UofA. Both are great schools and IMO degrees from them will be more respected then from UofL or Atha.
If you can get into UBC I'd say go there. It's an amazing campus in a beauiful part of the city.
Are your grades good? I'm not sure why UBC would be that hard to get into for English.
As far as transfers go, there is an across Canada agreement that makes transfering your first 2 years worth of courses really easy.
The UofA not accepting your 4-5 courses doesn't mean they won't give you credit for them. They might not fulfill certain course requirements for your degree, but you can likely use them as options instead, and therefore it won't set you back any time and you won't have taken classes that count for nothing.
I would also recommend transfering ASAP. Entrance requirements can change at any time and if you can get it, you should.
Also if you spend the fall at MRC and try to transfer for the Winter, some faculties don't allow new students in the Winter. If that happens, you'll have to take 8 months off and wait for the next Fall.
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