Agent Tools
Buyer Rebate Calculator Canada — Agent Commission Rebate
Calculate how much to rebate to a buyer client and your remaining net commission after the rebate and HST. Useful for discount and full-service Canadian real estate agents.
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Frequently Asked Questions
Are buyer rebates legal in Canada?+
Yes — buyer rebates are legal in all Canadian provinces. In Ontario, REBBA permits agents to rebate commission to clients, provided it is disclosed in the buyer representation agreement. British Columbia, Alberta, and other provinces have similar permissive rules.
Do buyer rebates affect mortgage qualification?+
Some lenders treat a buyer rebate as a reduction in the purchase price rather than additional funds, which can affect mortgage calculations. Others may restrict how rebates can be applied. Always disclose rebates to your mortgage lender before finalizing the transaction.
Does the agent still pay HST on the full commission when giving a rebate?+
Yes — the agent collects and remits HST on the full commission amount received, regardless of any rebate given to the buyer. The rebate is paid out of the agent's after-HST income, not the pre-HST amount.
How much do buyer rebate agents typically give back?+
Rebate amounts vary widely. Some discount agents offer flat rebates ($5,000–$15,000), while others rebate a percentage of their commission (10–50%). The rebate is negotiated upfront and should be specified in the buyer representation agreement.