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From Search To Close: Everything You Need To Buy

Buy.ca's comprehensive buying experience takes you from securing your pre-approval, to searching for homes, and offers and negotiations, to securing your financing and legal services for closing.

How it works

1000s of Ontarians trust Buy.ca and our partners.

A Better Way To Buy: Down Payment Boost

Interest, Debt, and Equity-Free

Once your transaction is complete, you don't owe us a thing. We provide an interest, debt, and equity free down payment boost (a 1.5% cash back advance).

Absolutely No Strings Attached

Unlike other companies, there's no commitment to buy or sell with us again. Our goal is to earn your trust through exceptional service, no strings attached.

Pre-Qualify In Just 60 Seconds

In under a minute, check if you qualify for a down payment boost. We require only a few details and provide you with an instant result.

Search For Homes Like Never Before

Buy.ca is the only AI-powered property search platform for listings across Ontario that provides a down payment boost.

Get Preferred Mortgage Rates

Get fast pre-approvals with no impact on your credit score and save up to 0.25%. The pre-approval process is completed within 24 hours—it's that simple.

Transparent Closing
Services

Close on a property remotely with expert real estate lawyers for a flat fee, saving you 25% compared to standard rates charged by other lawyers in Ontario.

The Most Comprehensive Home Buying Experience

From Buy.ca's Real Estate Experts to our trusted partners in Mortgage Financing and Legal Services - we've got you covered.

We work with strategic partners
to help Canadians buy homes faster.

How Much Can Your Buying Power Increase?

Minimum down Payment

$35,000

Your contribution after The boost

$26,000

Home Price

$600,000

$
View Full Calculator

See how it works

Whether you're an investor, a renter, a first-time buyer, or getting back into the market, we increase your buying power through debt-free down payment boost. Plus you'll get the lowest guaranteed mortgage rates from our partner, Perch Mortgages.

Buy.caDown Payment Boost

$9,000

Mortgage Interest Savings

$24,578

$33,578

Total Savings With Buy.ca

Get Your Down Payment Boost

Apply today to get qualified and increase your buying power!

(In just 60 seconds)

*This calculation assumes a 2.5% commission through which savings are passed on to you! We also assume a 4.69% interest rate from other lenders, in contrast to 4.44% from Perch Mortgages. This tool is for demonstrative purposes only, and your down payment savings will vary based upon your unique circumstances.

Buying with Buy.caVs
A Traditional Brokerage

Traditional Brokerage
Home Search Process
Dedicated Relationship Manager
AI-Powered Search Platform
On-Demand Market Reports & Stats
Pre-Construction Listings
Experienced Real Estate Agents
Notifications About Key Moments in Your Transaction
Digital Collaboration Tools
Down Payment Assistance of 1.5% of Purchase Price
Low Commissions
High-Degree of Transparency
Mortgage Process
Industry-Leading Mortgage Partner
Same Day Pre-Approvals Without Impacting Your Credit Score
Mortgage Rate Savings
First-Time Buyer Savings
Access to mortgage products from 40+ mortgage lenders
Dedicated support 7 days a week, including evenings and holidays
Real Estate Law Services
Experienced Real Estate Law Partners
Access to personal closing dashboard
Free Condo Status Certificate Review
Upfront, fair market pricing that won’t change

A Better Way To Get A Mortgage

Perch is Buy.ca's official Mortgage Partner for the  Down Payment Boost program and an award-winning digital mortgage brokerage, operating nationwide.

Quick Pre-Approvals

Get pre-approved within 24 hours with a soft credit check that doesn't impact your score.

Save Thousands

Save up to 0.25% on your mortgage rate and thousands on your mortgage.

Get a free consultationOur team is ready to assist you!

Video Testimonials
WHAT THEY SAY

Be one of the thousands of happy buyers who have already enjoyed significant savings with Buy.ca and our trusted partners!

“Our experience with Buy.ca has been absolutely amazing. I did have all my savings to go towards my down payment but with the Down Payment Boost offer by Buy.ca I will not have to do that. I will be able to save some funds to use it towards furniture and renovations through this boost that Buy.ca offers.”

Tony & Kejsi

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“Working with Alex Leduc at Perch was an absolute pleasure. He was kind, courteous and speedy with his reply’s. He helped us through every step of the process to get our mortgage right. I would highly recommend Perch to anyone who feels uncertain about the mortgage process.”

Luke Bradshaw

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“It was our third time moving and Doormat was the best legal service for us. We are doing a same day closing for both purchase and sell. And they keep us updated with notifications and prompt response when we need. We never be this easy for purchasing property. Their online services are great and their service fee is very reasonable compared to the service we got!”

Youngwon

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5 out of 5 stars ratings

Navigating Real Estate Closings: Law Firms Buy.ca Works With

Each Buy.ca partner offers a unique set of services tailored tomeet the needs of our clients in real estate transactions.

Digital Closing

Doormat.ca provides the legal services required to close on the purchase and/or sale of a property through a fully remote process.

Video Testimonials

Personalized Dashboard

Stay organized and informed, every step of the way. You'll also find all of your documents, to dos and property details in your closing dashboard.

Document Management

Clients can upload documents through an online portal

Video Conferencing

Initial consultations and discussions about the transaction are conducted via video conference, allowing for real-time interaction and clarification.

Electronic Signing

All closing documents are sent electronically for clients to sign on their devices

Funds Transfer

Doormat ensures that all financial transactions are handled securely.

A Dedicated Deal Manager

With the Down Payment Boost program you'll have a Dedicated Deal Manager to guide you through your home-buying journey, from pre-approval to closing. They will serve as your single point of contact, keeping you informed and updated at every step so you don't have to play phone tag and deal with endless email threads. Think of them as your trusted expert, always just a call away, ensuring a smooth and stress-free experience in purchasing your new home.

Find Everything You Need To Go From Searching To Closing At Buy.ca

Frequently Asked Questions

We're here to help!

Feel free to reach out one of our friendly team members with any questions you may have, and we'd be happy to address them.

Contact Us