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Flat Fee $6K vs Justo, Green Hedge, Bridge & HOMEH — What GTA Sellers Actually Pay in 2026

GTA sellers: compare listing-side costs for NHR’s $6,000 + HST flat fee vs Justo 1.25%, Green Hedge/HOMEH 1%, Bridge flexible plans, and a traditional 2.5% listing — with HST math at $750k, $1M, and $1.5M. Buyer co-op is separate.

House keys and real estate — GTA flat fee realtor commission comparison 2026

September 10, 2026. If you are shopping for a flat fee realtor in the Greater Toronto Area, the marketing looks similar — lower listing fees, MLS® exposure, “full service” — but the listing-side math is not. National Home Realty’s published model is a fixed $6,000 + HST ($6,780 including HST). Competitors such as Justo, Green Hedge, HOMEH, and Bridge use percentage or flexible plans. This guide compares publicly stated listing-side fees at $750,000, $1,000,000, and $1,500,000 sale prices so sellers (and buyers watching net proceeds) can run real numbers before signing a representation agreement.

Important framing up front: listing-side cost is only half the commission stack. In the GTA, sellers still typically offer a co-operating buyer-agent commission (often about 2–2.5%). That buyer-side offer is separate from every listing fee in this article. Net proceeds = sale price − listing fee − buyer-side offer − other closing costs (legal, discharge, adjustments). Fees change; verify with each brokerage in writing.

Why this comparison matters in 2026

Search interest around “flat fee realtor” and cashback terms remains strong, but many GTA sellers still compare models on slogan, not spreadsheet. Percentage listing fees grow with price. A flat listing fee does the opposite: the higher the sale price, the larger the listing-side gap versus a traditional ~2.5% listing commission. That is the core reason National Home Realty publishes a fixed $6,000 + HST listing fee rather than a sliding percentage.

This is not a claim that every discount brokerage is identical. Service packages, photography, staging, cancel terms, and how co-op commission is advised all differ. Use the table below as an illustrative listing-side comparison of publicly advertised models as of September 2026, then confirm current quotes before you decide.

How each model is publicly described (as of Sept 2026)

National Home Realty — $6,000 + HST flat listing

  • Published listing fee: $6,000 + HST ($6,780 including HST), payable when the home sells
  • Full-service MLS® listing via Cityscape Real Estate LTD., Brokerage
  • Cancel anytime (no long-term lock-in on the published sell page)
  • Seller still typically offers buyer-agent commission (~2–2.5%)
  • Separate buyer cashback program for purchasers represented by NHR

Primary sources: nationalhomerealty.ca/sell-your-home and buyers cash-back rebate.

Justo — 1.25% listing fee

  • Published listing fee: 1.25% (Justo FAQ: “only 1.25% … half the typical listing fee”)
  • Buyer cashback: up to 50% of agent commission (per Justo FAQ)
  • Marketing package described as including staging consultations, photography, 3D tours, floor plans

Source: justo.ca/faq (retrieved September 2026).

Green Hedge — currently emphasizes 1%; Feb 2026 flat-fee promo was limited-time

  • Current live page emphasis: 1% commission model for buyer or seller representation on MLS®/REALTOR.ca (greenhedge.realestate/flatfee/)
  • Historical promo (Feb 9, 2026): a limited-time flat fee of $4,995 + HST was announced via GlobeNewswire / Financial Post for spring-market MLS® listings — that was a time-bound offer, not the model we treat as “always on” for this table

Be precise: if a seller still qualifies for a current Green Hedge flat-fee promo, ask the brokerage in writing. For apples-to-apples math in this article’s table, we use the 1% + HST listing-side figure Green Hedge’s live page emphasizes today. Press release: Financial Post / GlobeNewswire, Feb 9, 2026.

HOMEH — 1% listing fee

  • Published listing fee: 1% for full-service listing (photography, staging consult, MLS syndication, opens, negotiation)
  • Co-op buyer agent typically still 2–2.5% offered by the seller
  • Sell+Buy bundle options (including 0% listing in some combined scenarios) are separate — confirm eligibility

Source: homeh.com/sell.

Bridge — flexible flat-fee or reduced %; no single public fixed number

  • Bridge describes flexible flat-fee and reduced-percentage plans that vary by property, location, and service package
  • They do not publish one public fixed listing fee we can safely put in a comparison table
  • Service fees are described as payable from sale proceeds at closing; ask Bridge for a written quote for your address

Sources: Bridge flat-fee overview and bridge.broker.

Traditional GTA context (negotiated range, not a fixed law)

Many GTA sellers still encounter total commission discussions in a roughly 4–5% + HST neighbourhood, with the listing side often framed around ~2–2.5%. Actual rates are negotiated and disclosed in the representation agreement. This article uses 2.5% listing + HST as an illustrative traditional listing-side benchmark — not a regulated fixed rate.

Listing-side cost comparison (illustrative)

Ontario HST is 13%. Figures below are listing-side only. Buyer-agent co-op is not included.

Sale price Traditional 2.5% + HST Justo 1.25% + HST HOMEH / Green Hedge 1% + HST NHR $6,000 + HST
$750,000 $21,187.50 $10,593.75 $8,475.00 $6,780.00
$1,000,000 $28,250.00 $14,125.00 $11,300.00 $6,780.00
$1,500,000 $42,375.00 $21,187.50 $16,950.00 $6,780.00

How the math works (example at $1,000,000):

  • Traditional 2.5%: $25,000 × 1.13 = $28,250
  • Justo 1.25%: $12,500 × 1.13 = $14,125
  • 1% models: $10,000 × 1.13 = $11,300
  • NHR: $6,000 × 1.13 = $6,780

At $1M, NHR’s published listing fee is about $21,470 lower than a 2.5% listing + HST benchmark, about $7,345 lower than Justo’s 1.25% + HST, and about $4,520 lower than a 1% + HST listing. At $1.5M the gaps widen further because percentage fees scale and NHR’s fee does not.

Seller angle: what actually hits your net sheet

Sellers should build a one-page net estimate before choosing a brokerage:

  1. Expected sale price (from a current CMA, not wishful asking)
  2. Listing-side fee (flat or %) + HST
  3. Buyer-side co-op offer you choose to advertise (often ~2–2.5%)
  4. Other costs: lawyer, mortgage discharge, staging/repairs, adjustments

Two homes at the same list price can produce very different seller cheques if one pays 2.5% listing and the other pays $6,780 all-in on the listing side — even when both offer the same buyer-agent co-op. That is why “discount” marketing is incomplete until you separate listing fee from co-op.

National Home Realty’s cancel-anytime framing and fixed fee are designed for sellers who want predictable listing-side cost while still getting MLS® exposure and agent support. Start here: sell your home — $6K flat fee.

Buyer angle: cashback and cash-to-close still matter

Even in a seller-focused fee comparison, buyers should not ignore the other side of the ledger. If you are purchasing in Toronto or the GTA:

  • Map land transfer tax and cash-to-close early with our land transfer calculator
  • Ask whether your brokerage shares buyer-side commission. NHR’s buyer cashback is a tiered rebate of buyer-side commission under TRESA/RECO rules — useful for closing costs or a stronger offer. Details: buyers cash-back rebate
  • Justo and Green Hedge also advertise buyer cashback structures; percentages and caps differ — read each program’s terms

Move-up households (sell + buy) should model both sides in the same week: listing-side savings on the sale and any buyer rebate on the purchase can stack into a larger down payment or a healthier reserve.

What “full service” should mean when fees are lower

Lower listing fees only help if the listing still competes. Before you sign, ask every brokerage — including NHR — for a concrete list:

  • MLS® / REALTOR.ca syndication and who writes the remarks
  • Photography / floor plans / open-house support (included vs add-on)
  • Showing coordination and offer presentation process
  • How co-operating commission strategy is advised for your neighbourhood
  • Cancel / holdover terms in plain language

Percentage and flat models can both be “full service.” The difference is whether the fee scales with price. On a $1.5M sale, that scaling is the entire story.

Worked examples: seller savings vs a 2.5% listing benchmark

Using listing-side only (buyer co-op held constant in your own spreadsheet):

  • $750k sale: traditional listing + HST ≈ $21,188; NHR $6,780 → about $14,400 listing-side difference
  • $1.0M sale: traditional ≈ $28,250; NHR $6,780 → about $21,470 difference
  • $1.5M sale: traditional ≈ $42,375; NHR $6,780 → about $35,595 difference

Versus a 1% listing + HST ($8,475 / $11,300 / $16,950 at those three prices), NHR’s fixed $6,780 is lower at every row in the table — and the gap grows as price rises. Versus Justo’s 1.25% + HST, the same pattern holds. That is the practical answer to “when does flat beat percent?”: almost as soon as GTA sale prices leave low six figures — which is most of the market.

Bridge, Green Hedge promos, and other “it depends” cases

Not every competitor belongs in a single numeric cell:

  • Bridge: confirm a written plan for your property; public materials describe flexible flat or reduced-% options without one fixed published listing number
  • Green Hedge: treat the Feb 2026 $4,995 + HST announcement as a limited-time promo; today’s live page emphasizes 1%. If a current promo exists when you call, get it in writing and re-run the table
  • HOMEH sell+buy bundles: 0% listing scenarios are conditional on buying with HOMEH — do not assume 0% on a stand-alone sale

How to choose without getting trapped by SEO clones

GTA content about cashback and flat fees is saturated with near-duplicate guides. A better decision process:

  1. Pick your realistic sale (or purchase) price
  2. Fill listing fee + HST for each shortlisted brokerage
  3. Add the same buyer co-op assumption to every row
  4. Compare service inclusions and cancel terms
  5. Only then rank “savings”

If you want the predictable listing-side number National Home Realty publishes — $6,000 + HST with MLS® exposure through Cityscape Real Estate LTD. — start with a conversation on the sell page. Buyers can review cashback terms on the rebate page and cash-to-close on the land transfer calculator.

Bottom line for September 2026

Public listing-side models in the GTA now span fixed flat fees (NHR at $6,780 incl. HST), 1% brokerages (HOMEH; Green Hedge’s current emphasis), Justo’s 1.25%, Bridge’s flexible plans, and traditional ~2.5% listing benchmarks. On mid- and high-six / seven-figure GTA sales, a true flat listing fee usually wins the listing-side column — provided you still budget the buyer-agent offer separately and verify every fee in writing under TRESA/RECO rules.

Sources

This article is general information only — not legal, tax, mortgage, or brokerage advice. Commission, rebate, and fee structures are subject to TRESA/RECO rules and written representation agreements. Competitor fees and promotions change; verify current pricing with each brokerage (and with National Home Realty) before you decide. Illustrative math uses 13% HST and publicly stated listing-side models as of September 2026; buyer-agent co-op and other closing costs are separate.