On average, our clients save $11,250!
When you purchase a home with us in the Greater Toronto Area (GTA), Kitchener-Waterloo-Cambridge (KWC), Guelph, or Hamilton, we share up to 50% of the commission we earn with you.
Calculate Your Cashback
~$2,250
Buyer's Agent Commission:
%
How far along are you in your
home buying journey?
Understanding Home Buying
Identify your needs and gain a clear understanding of the home buying market, relevant regulations, and the purchasing process.
Browsing Properties
Explore homes that align with your budget, preferred neighborhood, accessibility to transit, and desired lifestyle.
Mortgage Pre-Approval
Get pre-approved for a mortgage to determine your borrowing limit and better understand your budget.
Search Agent
Select a knowledgeable real estate expert who understands your specific home requirements.
Visiting Properties
Tour selected homes with your agent to evaluate them in detail and make informed decisions.
Submit Offer
Work with your agent to assess the home's value and competition before making a strong offer.
Closing the Deal
Collaborate with professionals to finalize the purchase and complete all necessary legal and financial steps.
GriH Cashback
Get up to 50% cashback on your agent's commission, putting money back in your pocket.
Home Buyers: Boost Your Buying Power with a 1.5% Cash Back Realtor in Toronto, Mississauga, Hamilton, London, and Nearby Regions!
A cash back rebate is a commission discount legally provided by a real estate brokerage to a buyer after the successful closing of a home purchase. GRIH offers its buyer clients cash back rebates equal to the co-operating commission minus 1%. In Ontario, sellers generally pay up to 2.5% in co-operating commission to buyer agents. GRIH retains 1%, with the remainder being refunded to the buyer client as a cash back rebate—typically 1.5% of the purchase price, or around $15,000.
For every million dollars spent, the cash back rebate applies. In certain listings or locations, the co-operating commission may vary, resulting in a higher or lower cash back rebate. This tax-free money can be used for renovations, home maintenance, a well-deserved vacation, or any other purpose.
There is no cap on the amount of cash back you can receive, no minimum purchase price, no future obligations, and no administrative fees. The service remains comprehensive and unchanged—buyers receive full MLS® REALTOR® representation from experienced Grih agents, with no restrictions on the number of showings.
Our MLS® Cash Back REALTORS®
Get in Touch with One of Our Cash Back Agents for Your Home Purchase in Toronto, Mississauga, and Surrounding Areas
No Processing Fees. No Extra Charges. No Taxes.
Any buyer who works with a GRIH cash back agent will receive the promised cash back rebate in full, with no deductions for administration fees or taxes. For example, if the purchase price is $1,000,000 and the co-operating commission is 2.5%, the cash back rebate will be exactly $15,000.
A Case Study: How a Young Couple Benefited from a Cash Back Rebate on Their Home Purchase with GRIH
Alex and Taylor made the most of GRIH’s comprehensive service by visiting multiple homes across different Toronto neighborhoods with their dedicated cash back agent. They compared features, pricing, and overall value. This detailed approach, combined with their agent’s expert guidance, provided them with up-to-date market data, enabling them to negotiate effectively and purchase their dream home for 8% less than the seller’s asking price.
In addition, the seller paid a 2.5% co-operating commission, allowing Alex and Taylor to receive a generous cash back rebate of $22,065—providing both immediate savings and future flexibility. By exploring various listings and working closely with their experienced cash back agent, they felt assured in their decision and can now relax, knowing they made the best purchase without overspending. They used part of their rebate for home renovations and deposited the remaining amount into their Tax-Free Savings Account for future use.
Are Cash Back REALTORS® Worth It? Do Buyers Receive Inferior Services?
Cash back REALTORS® are definitely worth it, and when working with GRIH’s cash back agents, buyers can expect full, designated representation that adheres to the highest regulatory and professional standards.
GRIH is licensed with the Real Estate Council of Ontario (RECO) as a brokerage and is insured under the Trust in Real Estate Services Act, 2002 (TRESA). As a member of the Toronto Regional Real Estate Board (TRREB) and the Ontario Real Estate…
Estate Association (OREA) and the Canadian Real Estate Association (CREA), GRIH is also bound by a code of ethics and regulations that guarantee buyers receive professional and thorough representation from qualified and experienced REALTORS®.
To ensure full satisfaction with the services, buyers are encouraged to communicate their specific needs, preferred areas, and personal schedules with their cash back REALTOR® to confirm a good fit and ensure the best possible experience.
Testimonials
I’m focused on staying ahead in the real estate market. With a strong educational foundation and a passion for innovation in the industry, I’m equipped to navigate the dynamic real estate landscape in Canada.
With more than 15 years of experience, I have a deep understanding of Canada’s real estate market. I’m here to help you find not just a property, but a place you can truly call home. Let’s begin this journey together!
One thing I’ve learned in real estate is that it’s all about people. While we work with properties, locations, and square footage, at the heart of it is the universal need to find a place where you truly feel at home.
Having grown up in Canada’s diverse neighborhoods, I’ve developed a deep understanding of local markets and hidden gems, giving me the ability to find the ideal properties for my clients.
Exceptional Service
"GRiH's team was incredibly helpful, guiding us every step of the way. We couldn't be happier with our new home!"
Smooth Homebuying Journey
"GRiH made finding our dream home simple and stress-free. Their personalized approach truly sets them apart."
Seamless Experience
"From start to finish, GRiH ensured our home-buying journey was smooth and successful. Their team is top-notch!"
Expert Guidance
"With GRiH’s knowledge and dedication, we found the perfect property in no time. Highly recommended!"
Trusted Real Estate Partner
"Thanks to GRiH, we found our ideal home with ease. Their expertise and care made all the difference."
Our MLS® REALTOR® Buyer Representation Services Versus Theirs
| Service | GRiH Inc. | Traditional Brokerage | Other Low Fee Brokerage |
| Unlimited Cash Back On All House & Condo Purchases | ✓ | ✗ | ✗ |
| No Limit on Showings. No Admin Fees. No Price Minimums. No Future Commitments. | ✓ | ✓ | ✗ |
| 24/7 Designated REALTOR® Representative | ✓ | ✓ | ✗ |
| Negotiation Representation, Advice, & Assisstance | ✓ | ✓ | ✓ |
Let Us Know How To Reach You
How It Works: From First Call to Closing & Cash Back Rebate
When you first contact a Grih cash back agent, you’ll have the chance to ask about the cash back rebate program and discuss your personal preferences, areas of interest, and any factors that might impact your home-buying plans. If you choose to move forward, your cash back agent will go over the ‘RECO Information Guide’ with you. After signing, you’ll proceed to review and sign the ‘Buyer Designated Representation Agreement,’ which details the cash back rebate, along with the ‘Buyer Not Non-Canadian Warranty’ form.
Once the representation paperwork is finalized, your Grih cash back agent will begin a property search tailored to your needs or schedule showings if you already have properties in mind. When the perfect property is found, your agent will discuss an offer strategy and prepare the ‘Confirmation of Cooperation and Representation’ form, confirming the commission paid by the listing brokerage, as well as the ‘Agreement of Purchase and Sale’ to formalize the offer. Before signing the offer, your cash back agent will verify your ID as required by FINTRAC and the Proceeds of Crime (Money Laundering) and Terrorist Financing Act.
After the seller accepts the offer, the agreement will either be firm or subject to conditions such as inspection or mortgage financing approval. Once all conditions are met and the deal becomes firm, your lawyer will prepare the necessary documents to finalize the purchase and transfer the title on closing day.
Following closing, once Grih receives the co-operating commission from the listing brokerage, you will receive a cheque for the cash back rebate, and the transaction will be complete.
Are Cash Back Rebates Considered Taxable Income? Does It Impact Land Transfer Tax? Does HST on New Homes Change for Buyers?
It is generally accepted that a cash back rebate on a home purchase is considered a price reduction, meaning no income tax is owed. However, if the home is later sold, this rebate could impact the capital gains tax owed to the Canada Revenue Agency (CRA). Since tax situations vary depending on individual circumstances and REALTORS® are not tax experts, it’s recommended that buyers consult a tax professional regarding their specific cash back rebate.
In Ontario, buyers may be subject to Provincial Land Transfer Tax (PLTT), Municipal Land Transfer Tax (MLTT), and, for new homes, Harmonized Sales Tax (HST).
None of these taxes are impacted by cash back rebates, as they are calculated based on the value of the transaction. However, rebates can potentially lower the negotiated purchase price, which may influence these taxes. For advice on how to navigate this, buyers should consult their designated cash back realtor.
Have questions about cash back rebates? Text us at +1 905 872 6870, or reach out to one of our cash back agents directly.
Are Cash Back Rebates Allowed? When Do Buyers Get Them? Is There a Catch?
Cash back rebates are fully legal, and the details are specified in the schedule of the standard Buyer Designated Representation Agreement that a buyer signs with their Grih REALTOR® before making an offer.
The payments are made from the co-operating commission Grih receives from the listing brokerage once the transaction is complete. This process can take anywhere from a few days to several weeks, depending on the listing brokerage.
As cash back rebates become more popular in real estate transactions, new financial services may allow buyers to access these funds before closing, though interest fees may apply.
There’s no catch! The rising cost of housing compared to wages has made it possible to offer significant cash back rebates while still allowing real estate agents to earn competitive compensation. Additionally, advancements in technology, such as the internet and electronic signatures, have made the process more efficient, enabling REALTORS® to serve more clients simultaneously while maintaining high service levels.
Other Cash Back Real Estate Services
Still researching cash back real estate services? Let us assist you. If you’re a prospective buyer looking to hire a REALTOR® for purchasing property, we’ll provide you with a curated list of our cash back realtor competitors. We’re confident in our offer, which is why we’re happy to share this information with you.
Simply enter your name and email address below to receive a list of 27 direct links to cash back realtor services across southern Ontario, complete with summary details. This information is up-to-date as of January 1, 2025. You won’t be added to any mailing lists, though we may follow up later to see if you’re interested in working with one of our cash back agents.
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