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GTA + Hamilton · ON
Houses-Gate cashback

Buy Your Home & Unlock Homebuyer Cashback

Unlock cashback when you purchase your home with us. Simply start by scheduling to view homes.

  • Up to 1% of the Sale Price
  • Written Into Your Agreement
  • No Fee to Sign Up

Terms and conditions apply.

Cashback Sign UpHow It Works

Cashback Calculator

$800,000
Buyer commission the listing offers
Cashback up to$8,000At a 2.5% buyer commission
Cashback Sign Up

Estimate only. Final cashback depends on commission, agreement terms and transaction details. Terms and conditions apply.

Buy With Confidence & Ease

  1. 1Step 1

    Book a Showing

    View homes at your convenience.

  2. 2Step 2

    Choose the Right Home

    Work with our experienced REALTOR® to avoid the pitfalls and choose the right property.

  3. 3Step 3

    Make an Offer and Take Possession

    We negotiate the price and terms for you and stay with you until closing day.

  4. 4Step 4

    Receive Your Cashback

    Up to 1% of your sale price.

Terms and conditions apply.

Savings With Cashback

Closing day is when the extra costs pile up. Your cashback is paid to you after your purchase closes and helps make up for them.

Your CashbackUp to 1% of your sale price, paid to you after closing
  • Down PaymentTop up the savings your down payment used.
  • Legal and Closing CostsLawyer fees, title insurance and the other line items on your closing statement.
  • Land Transfer TaxHelps offset the tax you pay when the home changes hands.
  • Moving InMovers, utilities and the first things your new home needs.
  • Your SavingsWhatever you don’t spend stays with you.
Closing Day Simulation

Buying a $1,250,000 Home

See what leaves your pocket, step by step, and what comes back after your purchase closes.

  1. Down PaymentMinimum: 5% of the first $500,000, plus 10% of the rest
    −$100,000
  2. Legal and Closing CostsTypical starting estimate; can run higher
    −$1,500
  3. Land Transfer TaxOntario provincial tax, outside Toronto, before any first-time buyer refund
    −$21,475
  4. Moving InEstimate for movers and setting up utilities
    −$2,000
  5. Your SavingsCashback paid to you after closing
    +$12,500
Out of your pocket$0
Back to you after closing$0

Your cashback covers 50% of your closing costs (everything except the down payment).

After your cashback$0

Illustration only, at a 2.5% buyer commission. The down payment and land transfer tax follow the current federal and Ontario rules. Legal, closing and moving costs are estimates. Buying in Toronto adds a municipal land transfer tax.

How We Keep It Above Board

Buyer cashback is legal in Ontario when it’s done properly. Here’s what “properly” means.

It’s in Your Agreement

Your cashback, and how we work it out, is written into your Buyer Representation Agreement before you buy. Nothing rests on a verbal promise.

Your Lender Knows About It

We tell your mortgage lender about the rebate. Some lenders cap it or limit how it can be used, so we check with yours before closing.

Tax Depends on the Home

If it’s a home you’ll live in, cashback generally isn’t treated as taxable income. An investment property is handled differently, and how HST applies to rebates isn’t settled yet, so your accountant can tell you what applies to you.

Not a Bird-Dog Fee

Paying an unregistered third party to connect you with a real estate deal, a “bird-dog” fee, isn’t allowed in Ontario. We don’t do it. Your cashback is a rebate paid directly to you, the buyer and our client.

Terms and conditions apply.

Frequently Asked Questions (FAQ)

When do I actually get the money?

After your purchase closes, once the commission for your purchase has come in. The Cashback Terms set out the timing.

Does cashback change my offer price?

No. Your offer price stays the same. The cashback is handled separately and paid to you after closing.

What if the listing doesn’t offer a buyer commission?

Then there’s nothing to share, so there’s no cashback on that home. This mostly happens with private sales and some builders. We’ll tell you before you make an offer.

Can I get cashback if I already have an agent?

Usually not for that purchase. Cashback depends on us representing you, set up before the purchase starts.

Do I have to pay tax on it?

For a home you’ll live in, cashback is generally not treated as taxable income. Investment properties are different. Tax rules can change and every situation is different, so check with your accountant.

Can I use it for my down payment?

No. It’s paid after your purchase closes, so it can’t go toward your down payment. Once it arrives, it’s yours to use as you like.

Unlock Your Homebuyer Cashback

Sign up, book your first showing, and we’ll put your cashback in writing before you make an offer.

Home Buyer Cashback Opt-In

This form does not create a Buyer Representation Agreement.

Estimates only. Cashback is up to 1% of the sale price, paid from the buyer-side commission on the home you buy, after your purchase closes. The amount, eligibility and timing are confirmed in writing in your Buyer Representation Agreement and depend on the commission offered, your lender’s rules and the details of your purchase. Nothing on this page is legal, tax or financial advice. Terms and conditions apply. Read the full Cashback Terms.

Cashback moves with the commission. A listing that offers a lower buyer commission gives a smaller cashback, and private sales (FSBO) or builders that offer no buyer commission give none. Cashback doesn’t apply to a purchase where you’re represented by another agent, and it must be written into your Buyer Representation Agreement before you make an offer.

Lenders set their own rules. Some cap a rebate or limit how it’s used. We confirm what your lender allows before closing.

Calculator figures on this page are worked out live from the inputs above. They are not quotes.