Get Cashback When You Buy a Home
Keep the buyer’s commission in your pocket. Our average customer receives between $10,000–$25,000+ in cashback at closing, based on the home’s value.
- $10,000–$25,000+ cash back (that would otherwise be paid to the buyer’s agent)
- Access to listings before they hit Realtor.ca
- Discounted legal fees (save $500–$1,000)
- Dedicated support
- Offer review by a lawyer
Limited Time Offer
$997 $1,497
One-time fee — save $500 today
How does the cashback program work?
For a flat fee of $997, you get the support you need and $10,000–$25,000+ cash back where a buyer commission is offered.
1) Search for your home
Join our Buyer Advantage program and get notified the moment new listings hit the market.
2) Close the deal
Purchase with our Buyer Advantage program. We coordinate showings and provide resources and legal support.
3) Receive your cash
Get paid 100% of the buyer’s commission offered on the listing (typically 1–3%) directly to you at closing.
Why cashback matters
Most buyers don’t realize that buyer commissions (typically 2–3% of the purchase price) are embedded in the home’s price and then financed through your mortgage.
Example: On a $750,000 home, a 2.5% buyer’s commission equals $18,750. When financed over a typical 25-year mortgage, that can exceed $30,000 in total payments. With our Cashback program, the transaction doesn’t change—but instead of a buyer’s agent keeping that commission, it’s refunded 100% to you at closing.
What’s included
- Cashback of $10,000–$25,000+ paid directly at closing (where a buyer commission is offered)
- Full MLS® search access across Canada
- Personalized property alerts
- Showings coordinated for you (or book directly yourself)
- Buyer education and resources
- Discounted legal services
- Dedicated support agent (no representation, no pressure)
- Real estate lawyer-prepared offers
Frequently Asked Questions
Who pays the buyer’s agent commission?
In Canada, the seller typically pays both the listing agent’s commission and the buyer’s agent’s commission from sale proceeds. However, this cost is embedded in the purchase price—so buyers indirectly pay it through a larger mortgage and additional interest over time. With our Cashback program, where a buyer commission is offered on a listing, we refund 100% of it to you at closing for a $997 fee.
How much is a buyer’s agent commission?
Buyer’s agent commissions commonly range from 2% to 3% of the purchase price (varies by province). With our Cashback program, that commission is redirected 100% to you at closing—money you can use for your down payment, renovations, or investments.
Do I have to pay commission if I don’t have a buyer’s agent?
You don’t pay commission directly. But if you work only with the listing agent, they typically keep the full commission (both sides). Our program changes that: for $997, you get access, support, and legal preparation—and the buyer’s commission (often $15,000–$25,000+) is refunded to you at closing when the listing offers it.
What happens to the buyer commission if I buy without an agent?
The listing agent or their brokerage usually keeps the buyer’s portion (“double-ending”). Buyers rarely benefit financially. Our program ensures the buyer’s commission goes to you at closing (where offered), while still providing access, coordination, and lawyer-prepared offers.
Can I buy a house without a real estate agent?
Yes. There’s no legal requirement to use a buyer’s agent. Without representation, you’ll manage searches, showings, negotiations, and contracts yourself. Our program offers a middle ground: full MLS® access, showing coordination, buyer resources, and lawyer-prepared offers—plus the commission refund at closing.
Do I need a buyer’s agent?
No. Many buyers choose full representation, but our program is for buyers who prefer transparency and control without paying 2–3% in commission. You get access, coordination, education, and legal preparation—without pressure or binding representation—while keeping the commission.
What are the risks of buying without a realtor—and how do you help?
- Overpaying: We provide education and transparency tools.
- Missed issues: You control inspections; our team highlights process considerations.
- Legal mistakes: Offers are prepared by a real estate lawyer.
- Negotiation challenges: You negotiate directly; we support the process and clarity.
- Limited access: You’ll have full MLS® access and coordinated showings.
- Time-consuming: We handle scheduling and admin support.
How much money do first-time buyers need?
Budget for the down payment (5%–20% depending on price) plus 2%–4% in closing costs (legal fees, land transfer tax, title insurance, etc.). On a $600,000 home, a 5% down payment is $30,000 and typical closing costs could be ~$18,000. The commission refund (often ~$15,000 on $600,000) can offset a large portion of these costs.
What are the HBP and FHSA?
HBP: Withdraw up to $60,000 from your RRSP tax-free (each buyer) to use toward a down payment, repaid over time. FHSA: Contribute up to $8,000/year (lifetime $40,000); contributions are tax-deductible and qualifying withdrawals are tax-free. Our cashback can supplement these tools or reduce how much you need to withdraw.
What hidden costs should I expect?
Common costs include inspection, appraisal, legal fees, land transfer tax, title insurance, insurance, and adjustments. The biggest “hidden” cost is the embedded buyer’s commission (2–3%), which you typically finance through your mortgage. Our program refunds 100% of that buyer’s commission to you at closing (where offered).
Are buyer commissions negotiable?
Commissions are set in the listing agreement between the seller and listing brokerage. Buyers can’t change that rate, but you can choose to redirect the buyer’s commission to yourself with our program.
What if there’s no buyer commission offered on a listing?
If a listing offers no buyer commission (rare, mainly FSBO), you still get MLS® access, showing coordination, education, and lawyer-prepared offers for $997. We’ll clearly disclose the commission status of each property before you commit.
Do I get professional support?
Yes. You receive MLS® access, tailored alerts, coordinated showings, a dedicated support agent (no representation or sales pressure), buyer education, lawyer-prepared offers, discounted legal services, and commission transparency at every step.
Is this program legal?
Yes. This is a limited-services model used across Canada. Licensed professionals provide access and coordination, independent real estate lawyers prepare your offers, and commission refunds are a standard, compliant practice where permitted.
Get started
Ready to keep the buyer’s commission? Connect with us to begin your search, coordinate showings, and prepare your offer.
MLS®, Multiple Listing Service®, REALTOR®, REALTORS®, and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The information on this page may include data provided by members of CREA and is believed to be accurate but not guaranteed.
* Cashback applies only where a buyer commission is offered on the listing and the buyer comes direct; otherwise, the seller may choose to negotiate a commission with a buyer’s agent.