Increase your buying power with Buy.ca's down payment boost.
You can buy a property sooner than you think.
We offer 1.5% of our buying commission upfront for your down payment. We then work with our mortgage partner to reduce your mortgage rate by up to 0.25% and connect you with top-tier real estate lawyers for a seamless transaction. Find everything you need to buy at Buy.ca.
How Much Can Your
Buying Power Increase?
$35,000
$26,000
Home Price
$600,000
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.
*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.
How It Works
Consult
Find Out If You Qualify
Through A Quick Consultation
Find out how much down payment assistance you qualify for, (i.e. 1.5% of the buying commission), and move forward with a clear idea of what your buying power is.
Pre-Approval
Secure Your Pre-Approval and Get Ready To Buy
Upload the required documents and get your mortgage pre-approval within 24 hours. This involves just a soft credit check and means no impact to your credit score.
Search
Work With Your Buy.ca Agent
To Find the Perfect Buy
Get matched up with one of Buy.ca's top-performing agents. Plus, use our platform's wide range of advanced tools to make your property search process more personalized and informative.
AI Visual Search
Use AI Visual Search to find more listings with the features you love.
Home Valuation
Get an instant estimate of how much your home is worth.
Advanced Search Filters
Discover an unparalleled property search experience using our comprehensive search filters.
21 Years of Sold History
Explore up to 21 years of real estate transaction history for each property!
Offer
Maximize Your Savings While Sealing The Deal
Once you've identified the perfect property, your dedicated Buy.ca agent will expertly negotiate and finalize the deal on your behalf.
Finance
Finance Your Mortgage With Ease With Perch Mortgages
We know that mortgages are not one-size-fits-all. That's why we work with industry-leader Perch Mortgages to explore options beyond banks to discover the best mortgage deals for you.
With Perch your mortgage will be funded without hassles. Rest assured, you'll enjoy a smooth process that gets you that much closer to your dream property.
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Work With Your Lawyer To Wrap Up The Final Steps
Coordinate with a skilled real estate lawyer to navigate the final steps of your transaction, ensuring all legal aspects are handled seamlessly.
Here's Why We're Offering
A Down Payment Boost
Repurposing
Our Commissions
The traditional commission structure in the real estate industry doesn't reflect buyers' needs. So we use 1.5% of our commission to provide you with a debt and equity-free down payment boost.
We're In It For
The Long Haul With You
We deliver solutions like our down payment boost program, because our goal is to build relationships. We hope to work with you again or to receive referrals.
Making Housing
More Affordable
Affordability is a challenge plaguing most Canadians. We're working with industry partners to shift that by negotiating savings on a wide range of services and products, and passing them on to you.
Discover How Perch Simplifies Mortgages With Buy.ca
"Perch and Buy.ca have partnered with a common vision: empowering Canadians to make smarter real estate decisions. By combining Perch's innovative mortgage solutions with Buy.ca's comprehensive property search platform, we are providing users with a seamless experience. Moreover, not only does this collaboration assist Canadians with finding their dream homes and securing the best mortgage solution, but it significantly enhances their purchasing power by up to 40% too. As a result, we are accelerating the journey to homeownership, enabling Canadians to buy with greater speed and confidence."
Alex Leduc
Founder & CEO (Perch)
Thousands of users have already saved
big on their mortgages.
5 out of 5 stars ratings
“Perch is the only place I'd recommend for anyone's mortgage needs. The platform makes the whole process a breeze to follow from start to end.”
Gabe + Becca
First time buyers
“It was me and my husband’s first time buying and selling at the same time, and Perch was extremely helpful in navigating that process.”
Christine + Bryan
Repeat buyers
“Highly recommend to anyone looking to get competitive rates and values transparency throughout their entire mortgage experience.”
Rahul
Real estate investor
5 out of 5 stars ratings
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