Before closing
Down Payment Boost
1.5% of the price toward your down payment.
HOMEH contributes up to 1.5% of your purchase price to your down payment — before closing. No repayment. No interest. No credit check.
Explore The BoostCanada's most powerful home-buying platform.
One team. One application. The industry's highest Cashback Rebate through the HOMEH Down Payment Boost or Cashback Rebate — plus a partner mortgage broker that shops 30+ lenders for your best rate.
No credit impact · 120-day rate hold · Fully licensed
The Cashback Rebate equals 1.5% of your home's purchase price, paid after closing, subject to eligibility and your buyer agreement. The amount varies with the purchase price; eligibility and conditions apply. HOMEH Inc., Brokerage.
Total back on closing
1.5%
Of your purchase price — yours to keep
30+ lenders shopped
5-yr fixed from 4.04%
1.5%
Cashback Rebate per purchase
1.5%
Cashback Rebate or Down Payment Boost
30+
Lenders shopped for you
5 min
Best-rate intake
Pick your Cashback Rebate.
Three programs. One coordinated team. Take the cash before closing, after closing, or start with the mortgage — you choose.
After closing
Cashback Rebate
1.5% Cashback Rebate after you close.
Buy any MLS home with a HOMEH agent and we wire 1.5% of the purchase price to your account the week you move in.
See Your Rebate
Before you shop
Our Mortgage Broker Partner
See better mortgage rates in 5 minutes.
One online intake. 30+ A-lenders, B-lenders and fintechs shopped. An independent licensed mortgage broker calls you back within 24 hours with your best rate.
Find Your Best Mortgage RateSee what you keep.
Slide your target price. This is the dollar amount HOMEH hands back to you — either before closing as a boost, or after closing as cash.
Claim Mine NowTarget home price$750,000
$300K$2.5M
Your HOMEH rebate
$11,250
1.5% of the purchase price, paid at closing, subject to eligibility and your buyer agreement
Canada's 1st All-Inclusive Real Estate Platform
Buy here. The rest comes with it.
Your HOMEH agent connects your mortgage, your Cashback Rebate and the sale of the home you own now. One team, one file, no hand-offs.
You are hereBuy your home
A licensed HOMEH agent with you from the first search to the keys.
What HOMEH connects to your purchase
Before you shopMortgage pre-approvalAn independent licensed broker shops 30+ lenders for you.
After you closeCashback Rebate1.5% of the price back to you, or a Down Payment Boost before closing.
If you own a home nowSell your current homeListed for free when you buy your next home with HOMEH within 6 months.
From the first search to the keys, and on to your next move.
The Cashback Rebate is 1.5% of the purchase price, paid after closing, subject to eligibility and your buyer agreement. Free listing applies when you sell and buy with HOMEH within 6 months; otherwise choose a plan, including a flat-fee Mere Posting. HOMEH Inc., Brokerage is a real estate brokerage, not a mortgage broker. Mortgages are arranged by independent FSRA-licensed mortgage professionals.
Four steps. One HOMEH.
1Step 1
Find Your Best Rate
Finish a 5-minute online intake. Our mortgage broker partner shops 30+ lenders for your best rate — no credit impact.
2Step 2
Shop with Confidence
Tour homes with your dedicated HOMEH agent. You know your budget, your rate, and your rebate before you walk in.
3Step 3
Offer Stronger
Your HOMEH agent structures offers that win in competitive markets — with the rebate as a quiet advantage.
4Step 4
Close With Rebate
The day you close, the rebate lands in your account. Use it for closing costs, renovations, or keep it in savings.
Shop the whole market
knowing the rebate is
already yours.
That is the HOMEH difference. You do not pay more. You do not wait more. You just keep more.
Run the numbers.
Every number you need before you offer — purpose-built, free, no sign-up.
Free Home Estimate
What a home is really worth before you offer.
OpenHome Market Value
Value plus the market direction around it.
OpenHome Loan Calculator
Monthly payment and amortization.
OpenAffordability Calculator
The price range lenders will approve.
OpenClosing Cost Calculator
Land transfer, legal, title — line by line.
OpenProperty Tax Calculator
Annual municipal tax by postal code.
OpenDown Payment Boost Calculator
See how much HOMEH adds before closing.
OpenCashback Rebate Calculator
The exact amount wired to you at close.
OpenThe people we paid.
Sarah & Tom K.
Toronto, ON
"HOMEH wired $18,400 back after closing. It paid for our kitchen renovation the week we moved in."
Cash received
$18,400
Priya M.
Mississauga, ON
"The mortgage broker HOMEH connected me with shopped 30 lenders in a day. I went into every showing with my rate already locked."
Cash received
$12,750
James & Lena P.
Ottawa, ON
"Our HOMEH agent got the house $12K under asking AND we kept our full rebate. That is unreal."
Cash received
$11,250
Five minutes
to get started.
Get Pre-Qualified through our partner mortgage broker. Lock your rate. Start shopping with the industry's highest Cashback Rebate already on your side.
Buyer
questions.
Everything you might want to know before starting a HOMEH home search.
Still have a question?
Contact UsA buyer working with HOMEH receives a dedicated, locally licensed agent for property search, private showings, neighbourhood and pricing analysis, offer drafting, conditional-period management, and closing coordination — full-service representation, the same scope a traditional brokerage provides. Layered on top: pre-qualification through our partner mortgage broker network, and a Cashback Rebate of 1.5% of the purchase price returned at closing, subject to eligibility and your buyer agreement. One team, one file, one experience.
Eligibility is straightforward. The home must be purchased through a HOMEH-represented buyer agreement and must be a residential MLS-listed property. There is no application form, no minimum income, no credit check, and no requirement to use any particular lender. The 1.5% rebate is calculated on the final purchase price and disbursed within days of closing — either as a cheque or wired directly to the buyer's bank account.
On every Ontario sale, the seller pays both the listing-agent and buyer-agent commissions out of the sale proceeds — typically around 2.5% to each side. When HOMEH represents the buyer, we collect the standard buyer-side commission like any brokerage, retain a small operating portion to cover the work, and rebate the rest to the household. Nothing is taken from the seller, the lender, or the buyer's closing funds. Transparency on this mechanic is part of why the rebate is sustainable.
No. The rebate exists because HOMEH is the brokerage that earns and shares the buyer-side commission. If a different brokerage represents you on a purchase, that brokerage receives the commission and the rebate is not available on that transaction. Buyers without an existing agreement simply sign HOMEH's standard buyer representation agreement; buyers under an existing agreement can usually exit cleanly before a specific home is identified.
HOMEH is a real estate brokerage, not a mortgage broker. We refer buyers to independent FSRA-licensed mortgage brokers we work with. Most buyers start there: a 5-minute online intake is shopped across more than 30 lenders, and a licensed broker returns within 24 business hours with the strongest rate, a 120-day rate hold, and a pre-qualification confirmation. Buying with a HOMEH agent and pre-qualifying with our mortgage broker partner are independent — you can use either or both — but combining them is the most common path.
It can help, never hurt. Major Canadian A-lenders, monolines, and credit unions treat the HOMEH rebate as a legitimate buyer incentive. Taken as a Down Payment Boost before closing, it can increase the verified down payment, lower the insured loan-to-value, and in some cases reduce the CMHC insurance premium tier. Taken as a Cashback Rebate after closing, it does not interact with the mortgage at all. Our mortgage broker partner confirms each lender's position before you write an offer.
The HOMEH buyer rebate is currently available across Ontario on residential MLS purchases — freehold, condo, townhouse, and pre-construction assignment resales through MLS. New-construction homes purchased directly from a builder may also qualify; eligibility depends on the builder's commission terms, and your HOMEH agent confirms before you sign. British Columbia and Alberta are next in the rollout. Our mortgage broker partner already supports buyers across Canada.
Make your dreams come home!
Book a free consultation to see how we make homeownership affordable and easy for you.
Your home, your rebate.