How the HOMEH Cashback Rebate Works

Most brokerages keep the commission. HOMEH gives a large share of it back. As a licensed Ontario brokerage, HOMEH offers eligible buyers the industry's highest Cashback Rebate, lists homes for a 1% listing fee (or free when you also buy with HOMEH within 6 months, or $395 + HST with a Mere Posting), and can apply your rebate as a down-payment boost. This guide explains, honestly and without hype, how the cashback works, who it's for, and how to estimate yours.

Key takeaways

• HOMEH is a licensed Ontario real estate brokerage — the cashback comes from sharing commission, not a gimmick.
• Eligible buyers can receive the industry's highest Cashback Rebate. Sellers list for 1%, or free when they also buy with HOMEH within 6 months, or $395 + HST with a Mere Posting.
• Sellers list for a 1% listing fee instead of the traditional ~5% total commission.
• Your cashback can be applied as a down-payment boost to help you qualify or buy sooner.
• Use the HOMEH cashback calculator to estimate your specific amount.

Where the cashback comes from

In a traditional Ontario sale, total real estate commission is typically around 5%, often split roughly 2.5% to the listing brokerage and 2.5% to the buyer's brokerage (plus HST). That commission is paid out of the transaction — and historically the brokerage kept most of it.

HOMEH's model is different: as a licensed brokerage, it shares a large portion of that commission back with the client as cashback. For sellers, it also charges a low 1% listing fee instead of the traditional listing side. There's no trick here — it's a leaner fee structure that returns money to the people who actually move.

Licensed and accountable

HOMEH is a licensed Ontario real estate brokerage. You get full brokerage representation — the difference is how much of the commission ends up back in your pocket.

Traditional model vs the HOMEH model

The clearest way to see the difference is side by side:

For a deeper look at commission itself, see real estate commission in Ontario.

Who qualifies?

In general terms, the Cashback Rebate is for buyers who complete a qualifying purchase with HOMEH as their brokerage. It applies whether you're a first-time buyer, an upsizer, a downsizer, or an investor.

The exact amount you receive depends on the details of your transaction, mainly the purchase price, subject to eligibility and your buyer agreement — which is why the Cashback Rebate is expressed as 1.5% of the purchase price rather than a flat figure. Larger transactions generally support larger rebates. To see what your situation could yield, run it through the cashback calculator.

Honest expectations

The 1.5% is subject to eligibility and your buyer agreement, so it is not a guarantee on every deal. Your real number scales with your transaction. The calculator gives you a realistic, personalized estimate.

The down-payment boost

One of the most useful ways to use your cashback is as a down-payment boost: applying your rebate toward your down payment. A larger down payment can lower your CMHC insurance premium, reduce your monthly payment, and in some cases help you qualify for a home you couldn't otherwise reach.

Learn the mechanics in the HOMEH down payment boost, explained, and see how much you might receive in how much cashback can you get when buying a home.

How to get started

Whether you're buying or selling, the process starts the same way: get an estimate, then talk to HOMEH about your specific transaction. New to buying? Pair this with our first-time home buyer guide for Ontario and check live conditions on the Ontario housing market outlook.

See your cashback in minutes

Eligible HOMEH buyers receive the industry's highest Cashback Rebate. Sellers list for 1%, or free when they also buy with HOMEH within 6 months, or $395 + HST with a Mere Posting. Estimate yours now with the cashback calculator — it's free and takes a couple of minutes.