Find Your Ideal Home with Toronto's Best Realtors!
Looking for a realtor in Toronto? Zown offers a unique advantage: get a $25,000 down payment boost before even closing.
Knowledgeable in local markets
Toronto Expertise
Toronto is one of Canada’s most competitive real estate markets, offering everything from downtown condos to family homes in up-and-coming neighbourhoods like East York and The Junction. Our local agents stay on top of fast-moving trends, bidding strategies, and neighborhood-by-neighborhood price shifts—so whether you're a first-time buyer or a seasoned investor, you’ll have expert guidance every step of the way.
How Does Zown Work?
1
Schedule a Call
Speak with a Zown expert to discuss your home buying goals and how our 1.5% contribution offer can boost your purchasing power.
2
Boost Your Budget
We'll help you get pre-approved quickly through our mortgage partners so you can start your home search with confidence.
3
Go Home Shopping
Work with your personal account manager for tailored home recommendations, and work with your local Zown agent to view & find the perfect fit.
4
Close with Confidence
A week before closing, Zown provides your upfront cash back, ensuring a smooth finish. We also handle the legal and closing details, so you can move in stress-free.
The Young Family
Naja & Shabnam
When Naja and Shabnam discovered Zown, they were initially skeptical—it felt too good to be true. But after learning about Zown’s Upfront Down Payment assistance and how it could help them bridge the gap, they decided to take the leap.
$17,700 in upfront funds provided
Guidance through the entire home buying process
A lower mortgage rate than they could find elsewhere
The Engineers
Tasmia & Kazi
Tasmia & Kazi discovered Zown through Reddit and was initially skeptical about its offerings. With $27,900 in Upfront Cash Back, Tasmia not only secured a beautiful home in Pickering but also retained a rainy-day fund, bringing her much-needed peace of mind.
$27,750 in upfront funds provided
Guidance through the entire home buying process
Secured a home without financial strain
Save Faster for Your Down Payment
Unlock the Best Savings Methods for Homeownership
Buying a home is a major financial step, but the right savings strategy can make it easier. Canada offers powerful tools to help you grow savings faster, maximize tax benefits, and make homeownership more affordable. From government-backed programs to flexible savings options, these methods ensure you get the most out of every dollar.
Method 1 - Zown Down Payment Boost
Upfront Cashback 🎖️
Securing a home requires more than just a strong offer—it demands financial flexibility. With our Upfront Down Payment Boost, you can receive up to 1.5% of your property's total value ahead of your purchase, providing immediate access to funds that can help cover closing costs, legal fees, or other upfront expenses.
Get up to 1.5% of the purchase price in advance
Use the funds toward closing costs, legal fees, or adjustments
Maintain your savings for moving expenses or home improvements
No complicated repayment terms—just more financial confidence when buying
By giving you a head start, we make homeownership more accessible, ensuring you can secure your dream home without unnecessary financial strain.
Method 2 - FHSA
First Home Savings Account 🏅
The First Home Savings Account, introduced in 2023, is the most powerful savings tool in Canada for first-time home buyers. This allows you to deposit within a tax-free account to let you save towards your future home. The best part is if unused, this rolls into your RRSP effectively doubling your contribution room without affecting your RRSP limits.
Contribute up to $40,000 tax-free specifically for your first home, with an annual contribution limit of $8,000
Contributions are tax-deductible, similar to an RRSP, meaning your taxable income can be reduced by $8,000 each year you contribute
Withdrawals for a home purchase are completely tax-free
15-year maximum participation period from the date you open the account
Method 3 - RRSP
Registered Retirement Savings Plan 🥈
If you have existing RRSP savings, the Home Buyers' Plan allows you to withdraw funds for a home purchase while deferring tax obligations. However, you are required to repay that contribution you had made to your RRSP over the next 15 years.
Withdraw up to $60,000 tax-free from your RRSP ( $120,000 for couples)
Funds must be repaid within 15 years to maintain tax-advantaged status
Repayments start the second year after withdrawal with a minimum annual repayment of 1/15 of the amount borrowed
Best suited for those with an established RRSP account
Must be a first-time home buyer or have not owned a home within the previous 4 calendar years
Withdrawn funds must be used within 30 days of receiving them
Method 4 - TFSA
Tax Free Savings Account 🥉
Another flexible method for approaching your down payment would be utilizing a Tax-Free Savings Account, which offers significant advantages for both short- and long-term savings goals. However, you will need to carefully review how the contribution limits work with calculators such as these.
Earnings and withdrawals are tax-free
No restrictions on how funds are used
Withdrawn amounts are added back to your contribution room the following calendar year—if you withdraw $20,000, you get back $20,000 in contribution room
A great supplemental savings tool alongside your RRSP and FHSA
No tax deduction for contributions, but all growth and withdrawals remain tax-free