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© 2026 Zown Realty Inc. Brokerage. Proudly Canadian. 🍁

Disclaimers and footnotes

ZOWN Realty is a fully registered brokerage under the Real Estate and Business Brokers Act, 2002 of Ontario.

Zown's Down Payment Boost is administered through Zown Technologies Inc. All mortgage-related rates, terms, and qualifications are provided through Vine Mortgage Group. Zown does not guarantee mortgage approval and is not a direct lender.

The trademarks MLS*, "Multiple Listing Service" and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA, used under license. REALTOR®. Member of the Canadian Real Estate Association and more. The trademark DDF® is owned by The Canadian Real Estate Association (CREA) and identifies REALTOR.ca's Data Distribution Facility (DDF*). Data is deemed reliable but is not guaranteed accurate by OREB, TRREB, RAHB, WECAR and SREB, as the case may be. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.

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  2. The Learning Zown
  3. The Zown Team

The Zown Team

The Learning Zown is written by Zown's in-house team: writers who explain things plainly, and licensed REALTORS® who make sure we are right. We publish under a team byline because these guides are a collective effort, and because the accountability that matters is the licensed reviewer named on every article.

How we make our guides

  1. 01
    A person outlines it against real questions

    Every guide starts from questions buyers actually ask our Homebuying Advisors, or type into a search box. Not from a keyword list.

  2. 02
    Every number gets sourced before it is written

    Rates, thresholds and program rules trace to the government, CMHC or lender page they came from. The list appears at the bottom of the guide so you can check our work.

  3. 03
    A licensed reviewer signs off by name

    Nothing publishes without review by a RECO-registered member of our team. Their name, role and review date sit at the top of the page.

  4. 04
    We tell you we are a brokerage

    Zown makes money when people buy and sell homes with us. Where a guide touches a Zown product we say so, and we do not pretend other options do not exist. We do not issue mortgages and we never promise anyone a mortgage approval; banks and lenders decide that.

  5. 05
    Anything with a number in it is re-reviewed twice a year

    The updated date on a guide means a person checked it, not that a script touched the file.

  6. 06
    AI drafts, people decide

    We use AI tools for research and first drafts. Every guide is edited by a person and reviewed by a licensed agent before it publishes. We do not publish unreviewed generated text.

Who reviews our work

Our reviewer roster is being updated. In the meantime, every guide names the person who reviewed it at the top of the page.

Corrections

If we get something wrong we fix it, note the change at the bottom of the guide, and update the date. Found an error? Email editorials@zown.ca.

Contact

Story ideas, data requests and press: editorials@zown.ca. ZOWN Realty is registered under the Real Estate and Business Brokers Act, 2002 of Ontario. RECO #5038845.

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