How do the HOMEH rebate options differ in plain language?

There are two doors into the same money. The Down Payment Boost pays your rebate before closing as down-payment dollars. The Cashback Rebate pays it after closing as cash you can use however you like. If you are also selling, one HOMEH team plans both moves and you still get the rebate on the purchase. Same 1.5% of the purchase price — different timing.

How do I choose between the Down Payment Boost and the Cashback Rebate?

Pick the Boost if more down payment helps you qualify, lower your insured loan-to-value, or reduce CMHC premiums — the funds land before closing and count toward your verified down payment. Pick the Cashback Rebate if your down payment is already sized correctly and you would rather receive a clean cheque after closing for renovations, furniture, or paying down the mortgage. a licensed mortgage broker we work with can model both side-by-side before you write the offer.

How is the 1.5% rebate calculated?

The rebate is a flat 1.5% of the final purchase price, paid at closing, subject to eligibility and your buyer agreement. So a $500,000 home returns $7,500; $1,000,000 returns $15,000; and $2,000,000 returns $30,000. The rebate applies once per transaction, not per buyer, so jointly purchased homes share a single rebate.

Can the HOMEH rebate be combined with first-time buyer programs in Ontario?

Yes — the HOMEH rebate stacks with every government incentive. Eligible buyers can layer the FHSA (up to $40,000 lifetime, tax-free), the RRSP Home Buyers' Plan (up to $60,000 per person), the federal First-Time Home Buyers' Tax Credit (up to $1,500), the Ontario Land Transfer Tax rebate (up to $4,000), and — within the City of Toronto — the Municipal LTT rebate (up to $4,475). The HOMEH rebate is a private commission share and does not displace any government benefit.

Is the HOMEH rebate considered taxable income by the CRA?

In general, no. CRA Income Tax Folio S1-F3-C2 treats a real-estate commission rebate paid to a buyer as a reduction in the property's adjusted cost base — not as taxable income. Practically, the rebate lowers the deemed cost of the home rather than triggering a T-slip. Individual circumstances vary, particularly for investment or business-use properties, so HOMEH always recommends confirming the treatment with your accountant.

Is the rebate available on every Ontario MLS home — including new builds?

Resale residential MLS homes across Ontario — freehold, condo, townhouse, and assignment resales — all qualify when represented by a HOMEH agent. New-construction homes purchased directly from a builder usually qualify as well, provided the builder pays a co-operating commission to the buyer's brokerage; your HOMEH agent confirms eligibility from the builder's commission schedule before you sign. Pre-construction projects without a co-operating commission are the only common exception.

What happens to my rebate if the deal falls through after the offer is accepted?

No closing means no commission, and therefore no rebate to pay out from. If your accepted offer collapses during the conditional period or at the financing stage, you keep your full eligibility for a HOMEH rebate on the next purchase represented by HOMEH within twelve months — at no cost and with no penalty. The buyer agreement is renewable, not punitive.

Why should I get pre-qualified before writing an offer to use the rebate?

Because the rebate is applied at closing, the lender needs to be comfortable with it as a verified buyer incentive ahead of funding. Pre-qualification through an independent licensed mortgage broker we work with confirms acceptance with your specific lender, locks your rate for 120 days, and sharpens the price band you can write into. The 5-minute online intake is free and never touches your credit score.

Every dollar HOMEH gives back.

The industry's highest Cashback Rebate on every Ontario home purchase. Three ways to take it. Zero repayment.

Fast Mortgage Approval Browse Homes

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.

Canadian family receiving keys and a HOMEH rebate cheque at their new home

Your rebate

1.5%

Of the purchase price

No repay

0% interest

Not a loan — a rebate

1.5%

Cashback Rebate per purchase

1.5%

Of purchase price

Interest, ever

Zero

Repayment required

Three ways to get your rebate.

Same 1.5%. Different timing. Pick the one that fits where you are in your move.

First-time buyer family holding keys to their new Ontario home

Before closing

1.5% of the price

Down Payment Boost

HOMEH contributes 1.5% of your home's price directly into your down payment — paid BEFORE closing, zero repayment, zero interest.

Boost My Down Payment

Canadian homeowner smiling while holding a rebate cheque at their kitchen island

After closing

1.5% of the price

Cashback Rebate

Already have your down payment? Take the 1.5% as a Cashback Rebate cheque after closing — furnish the home, pay down the mortgage, your choice.

See Cashback Rebate Details

Couple in front of a sold sign ready to move into their next HOMEH home

Selling too

one team, one plan

Sell & Buy

Selling your home and buying the next one? One HOMEH team plans both moves, and you still get the 1.5% Cashback Rebate on the purchase.

Plan Both Moves

The math, plain & simple.

1.5% of your purchase price — paid once, your choice of timing.

Home price

$500K

Your rebate

$7,500

Home price

$750K

Your rebate

$11,250

Home price

$1000K

Your rebate

$15,000

Home price

$1500K

Your rebate

$22,500

Cashback Rebate is 1.5% of the purchase price, paid at closing, subject to eligibility and your buyer agreement. Available province-wide in Ontario; other provinces coming soon.

Get My Rebate Estimate Browse Homes

How we afford it.

HOMEH earns less per transaction by design, then returns the difference to you.

Commission sharing

Traditional brokerages keep the full buyer-side commission. HOMEH rebates 1.5% of the 2.5% back to you — that's the rebate. No middle-layer fees.

Technology-driven efficiency

Our platform handles searches, offers, and closings digitally. Lower overhead, passed on as your rebate instead of office leases.

Mortgage broker partner

Every buyer is introduced to an independent licensed mortgage broker we work with, so financing aligns with the closing and the rebate lands as promised.

Volume, not markup

We serve thousands of families per year. Scale lets us reward each one instead of charging more per transaction.

Available today

Ontario

Expanding province by province

Built for Ontario. Expanding fast.

Every buyer represented by HOMEH on an Ontario MLS purchase qualifies. First-time buyers, upsizers, downsizers, and investors — all eligible.

Ontario MLS purchases
Represented by HOMEH on the buyer side
Standard purchase contract — no extra paperwork
Stacks with government first-time buyer programs

See Your Cashback Rebate

Stack it with government programs.

Your HOMEH rebate is a private commission share — it doesn't displace a single government benefit. Explore the federal, provincial, and municipal programs that layer on top.

Federal — Canada-wide

Tax credit

Tax-Free First Home Savings Account (FHSA)

$40,000 lifetime

Lets first-time buyers save up to $40,000 tax-free toward a first home. Contributions are tax-deductible and qualified withdrawals are non-taxable.

Every dollar HOMEH gives back.

Three ways to get your rebate.

Down Payment Boost

Cashback Rebate

Sell & Buy

The math, plain & simple.

How we afford it.

Commission sharing

Technology-driven efficiency

Mortgage broker partner

Volume, not markup

Built for Ontario. Expanding fast.

Stack it with government programs.

Federal — Canada-wide

Tax-Free First Home Savings Account (FHSA)

Home Buyers' Plan (HBP)

Home Buyers' Amount (HBA)

First-Time Home Buyer Incentive (FTHBI)

Provincial & municipal — explore the map

Ontario

Ontario Land Transfer Tax Refund

Toronto Home Ownership Assistance Program (HOAP)

Region of Waterloo Affordable Home Ownership Program

County of Simcoe Affordable Homeownership Program

Brantford B-HOME Program

Lanark County Homeownership Program

County of Renfrew Affordable Homeownership Program

Oxford County Home Ownership Program

Niagara Region Welcome Home Niagara

District of Muskoka Gateway Homeownership Program

City of Kingston Home Ownership Program

County of Lambton Homeownership Down Payment Assistance

City of Greater Sudbury Affordable Homeownership Program

City of Windsor Homeownership Down Payment Assistance

Dufferin County Homeownership Program

Ontario Land Transfer Tax Refund

Toronto Home Ownership Assistance Program (HOAP)

Region of Waterloo Affordable Home Ownership Program

County of Simcoe Affordable Homeownership Program

Brantford B-HOME Program

Lanark County Homeownership Program

County of Renfrew Affordable Homeownership Program

Oxford County Home Ownership Program

Niagara Region Welcome Home Niagara

District of Muskoka Gateway Homeownership Program

City of Kingston Home Ownership Program

County of Lambton Homeownership Down Payment Assistance

City of Greater Sudbury Affordable Homeownership Program

City of Windsor Homeownership Down Payment Assistance

Dufferin County Homeownership Program

Your Cashback Rebate is waiting.

Rebate questions.

How do the HOMEH rebate options differ in plain language?

How do I choose between the Down Payment Boost and the Cashback Rebate?

How is the 1.5% rebate calculated?

Can the HOMEH rebate be combined with first-time buyer programs in Ontario?

Is the HOMEH rebate considered taxable income by the CRA?

Is the rebate available on every Ontario MLS home — including new builds?

What happens to my rebate if the deal falls through after the offer is accepted?

Why should I get pre-qualified before writing an offer to use the rebate?

Make your dreams come home!

Rebate
questions.