- ©2025 CONVERGE REALTY INC. ALL RIGHTS RESERVED
169 Enterprise Blvd, Unit 300, Markham, ON, L6G 0E7
289-301-8088
Powered By Repliers Real Estate APIs
In Collaboration With
If you’re reading this, you’re likely in the process of making one of the biggest decisions of your life: buying a home in Ontario. You’re doing your due diligence on Buy.ca, and we welcome the scrutiny. In an industry that is notoriously difficult to navigate, our goal has always been to provide clarity and empower our clients.
This post is our definitive answer to your questions. It’s a transparent, in-depth look at the Buy.ca model, our core mission, who we are built for, and how we differ from other options in the market. We want to give you all the information you need to decide if we are the right partner for your homebuying journey.
For too long, the traditional homebuying process has been a source of stress and confusion. You find a real estate agent you like, but then you’re on your own to find a mortgage broker. Once you have an offer accepted, the frantic search for a reliable real estate lawyer begins. You end up juggling three different professionals, acting as the project manager for your own purchase, and hoping that no critical details fall through the cracks between calls, emails, and meetings. It’s a fragmented, inefficient, and outdated system.
At Buy.ca, we knew there had to be a better way. We created a “one-stop shop” solution designed for the modern homebuyer. Our model integrates a dedicated real estate agent, a trusted mortgage partner (Perch), and an expert legal partner (Ownright) into one seamless, technology-driven experience.
This integration is built on a core belief: a successful outcome depends on having a single, dedicated expert guiding you from start to finish. Your Buy.ca agent is your strategic partner for the entire journey. To ensure flawless execution, your agent is supported by a Dedicated Deal Manager who handles administrative details, so your agent can focus entirely on you, your strategy, your negotiations, and your success.
— Richard Ragunath, Google Reviews
As the real estate industry evolves, two distinct service models are emerging. Understanding the difference is crucial, as it will fundamentally shape your homebuying experience. When researching options, you might encounter a key debate: Zown vs Buy.ca, which really boils down to the “Specialized Team” model versus our “Dedicated Agent” model.
The “Specialized Team” or fragmented model, used by companies like Zown, divides the process among multiple people. You might have one agent who advises you on strategy, but a different “showing agent” meets you at properties. This person’s job is often just to unlock the door. While this may seem efficient on paper, it frequently leads to a disconnected and frustrating client experience. The showing agent likely doesn’t know your detailed financial situation, your long-term family plans, or the nuances of the conversation you had with your main advisor yesterday. Information gets lost, context is missed, and you waste valuable time repeating yourself.
We believe this is a flawed approach. Buying a home isn’t an assembly line; it’s a complex, personal journey that requires trust and deep understanding.
This is why Buy.ca is built on the Dedicated Agent model. From your first strategy session to the moment you get your keys, you have one agent, a single point of contact who is 100% accountable to you. Your agent gets to know your needs, your communication style, and your goals on a profound level. They are with you at every showing, helping you analyze the pros and cons of each property in the context of your unique plan. This consistency builds trust and allows for agile, intelligent decision-making. There are no lost-in-translation moments. Just consistent, expert advice from someone who understands your complete picture.
One of the most talked-about features of our service is the Buy.ca down payment boost, and we want to be perfectly clear about how it works. We provide our clients with a significant cash advance to help with their down payment or closing costs, giving them a powerful competitive advantage in Toronto’s demanding market.
So, where does this money come from? This isn’t a gimmick; it’s a direct result of our integrated model and our exclusive partnership with our mortgage partner, Perch mortgages.
Here is the simple breakdown of our revenue model. In a typical real estate transaction, the seller pays a commission (usually 2.5% of the purchase price) to the brokerage representing the buyer. Instead of keeping this full amount, our modern brokerage operates on a lean 1% fee. The remaining 1.5% is given directly back to you, the homebuyer, as a cash advance for their down payment. On a $1,000,000 home, that’s an extra $15,000 for buyers to work with.
This is a core part of our philosophy. We use technology and strategic partnerships to create efficiencies, and we pass those savings directly on to our clients. This transparent approach to real estate cashback in Toronto is how we align our success with yours. By working with our trusted mortgage partner, you get a seamless financial process and a substantial financial benefit.
Want to see how the Down Payment Boost works across different scenarios? Try out our Down Payment Boost calculator.
We are unapologetically focused on a specific type of homebuyer. If you are a tech-savvy professional, perhaps a first-time homebuyer in Toronto, who values efficiency, transparency, and a data-driven approach, then Buy.ca was designed for you.
Our clients are achievers who are comfortable using technology to make their lives simpler and more effective. They are frustrated by the antiquated methods of traditional real estate and are looking for a smarter, more integrated process. They don’t want to be a project manager; they want an expert strategic partner. If you see your home purchase not just as a transaction, but as a key financial decision that deserves a modern, sophisticated approach, then our model will be a perfect fit.
The Buy.ca model is a direct response to the shortcomings of the traditional real estate industry. We’ve replaced a fragmented and confusing process with a seamless, integrated solution that saves you time, stress, and money. This definitive Buy.ca review hopefully makes our value proposition clear.
With us, you get three core advantages:
If you believe in a smarter approach to homebuying, let’s schedule a discovery call to see if our model is the right fit for you.