Cash Back Realtor Toronto: Up to $12,500 on a $1M Home
A cash back realtor shares part of the commission they earn on your purchase with you. With National Home Realty, a RECO-registered Toronto brokerage, you get up to 50% of the cooperating commission back: $12,500 on a $1,000,000 home at a 2.5% commission. The average NHR buyer receives about $12,500. The tier depends on how soon your first offer follows your first showing, and you get full buyer representation either way*. Learn what a cash back realtor is or closing costs vs cash back.
Get your cash back estimate
Talk to a cash back realtor in Toronto: full MLS search, offers, and negotiation, with rebate terms in writing. Estimate your tier below.
How much cash back do you get?*
A cash back realtor in Toronto shares up to 50% of the cooperating commission*
* Illustration uses 2.5% buyer-side commission on the purchase price.
Cash back tier is set by when your first offer is submitted (days 1–7: 50%, 8–14: 35%, 15–21: 25%). After day 21, the rebate is set in your written agreement.
View full program Terms & Conditions
Your estimated cash back
$12,500
| Offer submitted | Cash back | On a $1,000,000 home (2.5% = $25,000) |
|---|---|---|
| Days 1 to 7 | 50% | $12,500 |
| Days 8 to 14 | 35% | $8,750 |
| Days 15 to 21 | 25% | $6,250 |
Days count from your first showing with NHR, or from the first offer we prepare if there was no showing. Percentages apply to the cooperating commission NHR actually receives, and the final amount is set in your written agreement. Amounts are not guaranteed. 2.5% is used as an illustration. See the full Program Terms.
Worked example: selling and buying at $1,000,000
Buying. Cooperating commission at 2.5% of $1,000,000 is $25,000. An offer in days 1 to 7 returns 50%: $12,500. Selling. A 2.5% listing commission is $25,000 + $3,250 HST = $28,250. NHR's flat fee is $6,000 + $780 HST = $6,780. You keep $21,470 more. Together: up to $33,970 ($12,500 + $21,470) on a $1,000,000 purchase and a $1,000,000 sale. The flat fee covers the listing side only. Any commission you offer a buyer's agent is separate.
How it works
Connect with a cash back realtor
Get matched with our experienced cash back realtors who specialize in buyer rebates across Toronto and GTA.
Search Properties Together
Access all MLS listings with full buyer representation. Our discount realtors help you find the perfect home.
Make Winning Offers
Your rebate realtor negotiates the best price and terms, using proven strategies to win in competitive markets.
Complete Purchase
We handle all paperwork, coordinate inspections, and ensure smooth closing with full professional support.
Receive Cash Back After Closing
After closing, when NHR receives the cooperating commission, your cash back is paid per your written agreement and shown on your closing statement.
How the timing works
The clock starts at your first showing with NHR, or when we first prepare an offer if there was no showing. Your tier is locked by the date your first offer is submitted, even if negotiations continue. It does not reset if an offer fails or you switch properties. A cash back realtor on our team documents the tier in your buyer representation agreement before you buy.
Cash back realtor vs traditional realtor
| Service Comparison | Traditional Realtor | NHR cash back realtor |
|---|---|---|
| Full MLS Access | ✓ | ✓ |
| Property Showings | ✓ | ✓ Unlimited |
| Negotiation Support | ✓ | ✓ |
| Closing Assistance | ✓ | ✓ |
| Commission Kept by Agent | 100% | As low as 50% |
| YOUR CASH BACK REBATE | $0 | Up to 50% |
*Example based on $1 million home purchase with standard 2.5% buyer agent commission ($25,000).
Cash back amounts depend on the commission NHR actually receives and are set out in your written agreement. They are not guaranteed.
Your actual rebate depends on purchase price and when your first offer is submitted.
Illustrative Cash Back Examples in Toronto
Sample math at common price points (illustrative, not client testimonials)
Sarah & Mike - North York
2-bed condo: $850,000
Offer submitted: day 10
$7,437 Cash Back
35% buyer rebate received
Jennifer - Downtown Toronto
1-bed + den: $675,000
Offer submitted: day 6
$8,437 Cash Back
50% buyer rebate received
The Chen Family - Markham
Detached home: $1,450,000
Offer submitted: day 8
$18,125 Cash Back
50% buyer rebate received
Buyer Cash Back Program Terms & Conditions
Eligibility, commencement dates, rebate schedules, and all program rules are governed by our official Terms & Conditions. Participation in the Buyer Cash Back Program constitutes acceptance of these terms.
Read Full Program TermsFAQ — Cash Back Realtor Toronto
What is a cash back realtor?
A cash back realtor is a licensed agent who shares part of the buyer-agent commission with you after your purchase closes. Buyer-side commission in Toronto is often 2% to 2.5%, and our examples use 2.5%. NHR returns up to 50% of the cooperating commission it receives, with full-service representation.
How much cash back can I get in Toronto?
On a $1,000,000 home with a 2.5% cooperating commission ($25,000): $12,500 (50%) if your offer is submitted in days 1 to 7, $8,750 (35%) in days 8 to 14, and $6,250 (25%) in days 15 to 21. The average NHR buyer receives about $12,500. After day 21 the rebate is set in your written agreement. The commission NHR actually receives sets the final amount.
How does the timing work?
The clock starts at your first showing with NHR, or when we first prepare an offer if there was no showing. The tier is set by the date your first offer is submitted and is locked in even if negotiations run longer. The clock does not restart if an offer fails or you switch properties.
When do I get my cash back?
After the purchase closes, title transfers and NHR receives the cooperating commission. The rebate is paid at closing and shown on your closing statement.
Are buyer rebates legal in Ontario?
Yes. Ontario brokerages may rebate part of their commission to a client when the arrangement is disclosed in writing and documented in the buyer representation agreement. Your rebate terms are in writing before you buy.
Do I still get full service?
Yes: MLS access, showings, market analysis, offer preparation, negotiation, inspection coordination and closing support. The rebate does not reduce service.
Does cash back apply to new-build or builder purchases?
Builder agreements may limit or exclude rebates. Send us the builder contract before you sign and we will tell you what applies.
I'm selling and buying. Can I use both?
The $6,000 + HST flat fee applies to the listing of your current home. Cash back applies to your purchase. Ask us for both in writing.