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All-in-One Homebuying.
Get $25,000* in 
Down Payment Boost.

Expert Realtors + Trusted Mortgage
 Partners = Your Perfect Homebuying Team

Jaselyn and Jake close for Jaselyns house

We've given back $3M+ to help 200+ Canadians become homeowners.

As your realtor, we earn 2.5% of the purchase price from the seller, keep 1%, and give you 1.5% as a down payment boost.

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Isla got $10,200 and bought in Kitchener, ON

Naja & Shabnam got $17,700 and bought in Pickering, ON

Josh got $15,597 and bought in London, ON

More Than Just 
Cash Back

At Zown, it's not just about the savings, it's about making the entire homebuying process effortless and enjoyable for you. From answering real estate questions to guiding you through financial and legal matters, we're here to ensure you can sit back and enjoy the journey to homeownership without the stress.

“I can't recommend Zown enough! After a frustrating experience with another party, I had almost lost hope in buying a home. Then I met Sunil, who completely changed my outlook. His professionalism, expertise, and care made all the difference. From our first meeting, he was not only professional but also genuinely caring. He took the time to understand my needs, providing personalized guidance every step of the way. His extensive knowledge of the market and keen negotiation skills made a world of difference, and I truly felt like I was in capable hands. Thank you for restoring my faith in real estate and making my dream a reality!”

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Houda
Bought with Zown in March

“Amazing group of people and provided really good guidance throughout the process. They were always available to take our calls and went out of their way to support us not just with our real estate related questions, but also with financial and legal matters. Initially we reached out to them because of their down payment assistance program but that is just the tip of the iceberg; their knowledge, customer service, professionalism, and honesty towards their clients really stood out. Highly recommend Zown to others, and I wish them the very best on their journey to transform the real estate landscape.”

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Usama & Momina
Bought with Zown in April

“We recently bought our 1st home through Zown, and the experience was fantastic. They are incredible professionals who understood our preferences, made sure all the administrative work was done in time and helped close on our home. Zown consistently stayed on top of everything and ensured the entire process went well. Their professionalism, determination and efficiency truly stood out! We are really happy we decided to go to them as they have a great team and exceptional customer service. They also provide with a down payment program which was a great help. 100% recommended!!”

Isla, a homebuyer who received $10,200 and purchased in Kitchener, ON
Kajol
Bought with Zown in January

“We are incredibly grateful to Zown Canada for their outstanding service and dedication throughout our home-buying journey. From understanding our preferences to navigating the competitive housing market, they ensured we felt supported every step of the way. Their ability to truly listen to our needs and provide valuable insights helped us find a home that perfectly suits our family. Zown stands out for their professionalism, responsiveness, and commitment to their clients’ happiness. We couldn’t be happier with the experience and highly recommend them to anyone.”

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Dhruv Sood
Bought with Zown in December

“Zown has been a dream to work with.. we started off the year with the goal of buying our first property and Zown made this a reality. From professional staff to exceptional service working with them was an easy and informative process. I like to especially thank Ethan for his promptness in finding us answers and going above and beyond to work with me and husband’s busy schedule. We were provided with answers to our questions around the clock which made our lives so much easier. We are overall so thankful for the entire team and we are looking forward to continued business with them in the future.”

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Abithra
Bought with Zown in November

"My partner and I recently closed on a property with Zown and couldn't be happier with the experience. From start to finish, the process was smooth, professional, and surprisingly stress-free. A huge shoutout to Rohail and Sunil, who went above and beyond to make sure everything was handled with care and efficiency. Their knowledge, responsiveness, and attention to detail made a big difference, especially during the final stages of the closing process. They were always available to answer questions, provide updates, and guide me through each step. If anyone would like to purchase a home in the coming future please feel free to reach out to me! I can connect you with the team at zown and believe me when I say they are the real deal and will fight tooth and nail for you and your dream of owning the right home!"

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Syed H
Bought with Zown in June

"I was scrolling facebook and came across Zown and asked for details about their amazing deals on how to get your dream home without putting down a large sum of down payment. I scheduled a video call with Walter and he explained to me and my friend and he gave us hope that we can get a house with a down payment we can afford. He introduced us to a mortgage company, we submit our documents, we got approved. And a realtor Ammar who help us with all the paperwork and deals with all the details needed to be done. Me and my friend are so excited to closing date. Without Zown I'm sure we will have a hard time. But thanks God Zown is here and we really appreciated all the help provided. And me and my friend hope that Zown can help more people achieve their dream house. Thank you so much Zown."

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Jane A
Bought with Zown in May

"I heard about Zown from Reddit and through their social media ads. At first, I was skeptical about the company. But after reading more about them online and finding the CEO's original post about why he set up the company, I wanted to learn more about them. We set up a meeting with Sunny, a Zown representative, who explained the breakdown of how Zown works. The home buyer gets a percentage of the sale back towards their downpayment. At the time of our meeting, Zown was offering up to 1.5% cashback. They then set us with a mortgage broker for a pre-approval and an account manager, Ethan. Ethan made the home searching process as smooth as it could be and was thoughtful of our cultural considerations for a home. We didn't feel pressured to bid or go over our budget. Even on last minute notice, he accommodated our request to look at homes on the same day. When we didn't hear back from our mortgage broker, Ethan reached out to them to see what was happening and advocated for us about our concerns. We finally closed on a home in June. We are grateful for their help, expertise and their guidance. Thank you, Sunny, Ethan, and Ensi for helping us find a home."

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Jennifer L
Bought with Zown in May

"Honestly, at first I thought this was a scam but then I decided to take a leap of faith.. SO glad I did! I move into my new house next week all thanks to zown!!! Because of zown I'm able to purchase my first home by my self! Like yeah I make a good income so that helps but besides that, I've had the privilege of working with arjun as my realtor and honest to God, arjun has worked harder and BETTER than the local realtors that I tried dealing with before trying zown. He literally worked non stop to help me find a home within my budget and if i had a question about the property, he'd answer any question I had within minutes to an hour Compared to my local realtors who didn't give a sh*t and would take forever to respond back. arjun would respond within minutes or even within a couple hours and always returned your phone call with a solidified answer, even late at night! He's 3 hours away from me and still did a better job than my local realtors. That says alot. And also, my mortgage agent mike with zown has been amazing with answering absolutely any question ive had about the proceess, and dealing with my absolute idiotness and stupid questions lol. I feel bad with how much i bugged him but he helped me understand the process as it went along! Like I said, this is my first home purchase and have no idea what I'm doing so having arjun and Mike to help me was tremendously through the whole process! If your thinking of going through zown, do it! You wont regret it! And if you do, ask for mike as your mortgage agent and arjun as your realtor!"

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Andrew
Bought with Zown in April

"Hey there! I've been keeping an eye on the real estate market to plan my first home in Canada, and I stumbled upon Zown through a social media ad. The offers were so good that I had a million questions! But guess what? They took their time during our appointment to explain their process and, even better, the terms of their cashback. Now, I know there's always a catch in these things, but here's the thing: there's no catch for the cashback they give to first-time buyers like us! You might think there are contracts or agreements, but nope, it's a simple arrangement where Zown returns a part of their commission to us buyers, no strings attached! And let me tell you, Ethan, our realtor throughout the whole process, has been incredible! He knew exactly what we wanted and helped us find our dream house in just a few days! If you're looking to buy a home, I highly recommend Zown. You won't regret it!"

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Roshan
Bought with Zown in March

Canada's Fastest Growing Real Estate Brokerage

We've been in your shoes & felt your frustrations, so we built a new path that puts you first.

  • Checkmark icon We pay our realtors a salary plus a performance bonus when they get you the best price.
  • Checkmark icon No pushy sales tactics - our agents earn the same whether you buy or wait.
  • Checkmark icon We empower our agents with technology so they can focus on your needs, not paperwork.

As Featured In

Bloomberg logo

$200M+

In transactional volume over the last calendar year

250+

Locally vetted real estate agents across Ontario

Google stars Read our reviews.

Outstanding service that always puts you first.

How It Works

Whether it's your first, second, or tenth home, we turn our commissions into your savings—every step of the way.

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Book a Call

STEP 1

Book A Call

Answer a few questions to see if you qualify, and book a call with us to get started.

Get Pre-Approved Mortgage

STEP 2

Mortgage Pre-Qualified

Leverage Zown's upfront cash back and your savings for mortgage pre-qualification without affecting your credit score.

Find Your Dream Home

STEP 3

Find Your Dream Home

Use our app to match with your perfect home, and let our realtors guide you by showing properties you love, helping you find your dream home.

Close with Confidence

STEP 4

Close with Confidence

We negotiate interest rates to lower your monthly mortgage payments and handle the closing process for a smooth transition into your new home.

Ethan, one of Zown's account managers, chats with Genesis, a Zown buyer who achieved their dream of purchasing their first home in Mississauga.
Ethan, one of Zown's account managers, chats with Genesis, a Zown buyer who achieved their dream of purchasing their first home in Mississauga.
Rishard with Nadeem and Darin, who turned renting into owning with $15,000 in support.
Helping families achieve homeownership - like Nadeem and Darin, who turned renting into owning with $15,000 in support.

What's in it for Zown?

We prioritize long-term relationships over immediate profits. That's why we give up our commissions now, to earn your trust and future business.

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Calculate How Much You'll Save with zown

Home Purchase Price

Based on your purchase price, you'll save $10,000 when you buy with Zown, and $25,000 over the lifetime of your mortgage.

Let's Break it Down

Down Payment Savings

 
Down Payment Needed
$45,000
Closing Costs (1.5%)
$25,000
 
Total Savings Needed
$45,000
Zown's Contribution (1.5%)
$25,000
New Total Savings Needed
$25,000

Mortgage Savings

 
Monthly Payments Without Zown
$2,500
Monthly Payments With Zown
$2,300
 
Total Monthly Savings
$200
Total Mortgage Savings (30-Years)
$25,000

World-class, All-In-One Service that others won't match

See how we stack up below

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Zown logo
Traditional Broker
Up to $25,000 in upfront funds
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Lowest Mortgage Rates
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Access to Exclusive & Off-Market Listings
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AI-Powered Property Matching & Offer Suggestions
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Same-Day Showings
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Data-Driven Offer Negotiations
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You're closer to buying than you think

Contact us to unlock non-repayable, equity-free funds for your home and get personalized support every step of the way.

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Accredited certification
5.0 star Google ratings

$3,000,000+

Down Payment Boost provided

Zown has helped me to keep my grandmother's home in the family. Without the down-payment assistance, and the knowledge and kindness of all the people along the way, none of this would have been possible. Exceptional service, prompt responses, I will definitely be telling everyone I know about my experience.

Testimonial by Allison
Allison Lacey First-time homeowner

They were highly knowledgeable about the local market and made sure I always felt like a priority. They also went out of their way to ensure every detail was taken care of – from arranging a broker, inspections , lawyer to researching potential issues with a property.Throughout our journey, Ethan and his team demonstrated immense patience and understanding of my situation. I highly recommend the services of Zown! They also provide assistance for people needed for down payment!

Testimonial by Rio
Rio De Leon First-time homeowner

There really was no catch, they provided me with the down payment assistance and saved me 2-3 years of having to save for the down payment. It has been very informative and everyone was always available to answer all my questions within a matter of minutes.

Homes in high demand

Browse Homes Right Arrow icon to browse homes
Image of Room
Down Payment Boost
$11,598 $8,698
$579,900
$21,392
221-60 Mendelssohn St., Toronto
Down Needed with Zown
 
Number of baths
2
 
Number of Beds
2
 
Size of house
800-899 ft2
 
Detached
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Image of room
Down Payment Boost
$16,000 $11,970
$798,000
$38,800
65 Curzon Cres., Guelph
Down Needed with Zown
 
Number of Baths
3+2
 
Number of Beds
4
 
Size of house
2,500+ ft2
 
Condo
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Room
Down Payment Boost
$15,200 $11,400
$759,900
$34,800
124-55 Ann O'Reilly Rd., Toronto
Down Needed with Zown
 
Number of Baths
3
 
Number of Beds
2
 
Size of house
1,000-1,199 ft2
 
Townhouse
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Got questions?
We've got answers.

When you buy a property, we charge a 2.5% commission from the seller while representing you as the buyer. We retain a portion of this and give you back majority of it upfront to either boost your buying power or to help bridge the gap between the down payment and your savings.

Submit your application through our online portal to discover your approval amount within seconds. Generally, eligibility requires a personal or combined household income of at least $90,000 and savings exceeding $15,000.

Yes, Zown's Down Payment Boost can be factored into your pre-qualification process. By including this boost in your financial profile, you may increase your purchasing power and improve your ability to qualify for a mortgage. This allows you to explore more options in your home-buying journey with confidence.

No, for our qualification process, we only need your household income and savings.

Yes, Zown enhances your pre-approval by adding to your savings, boosting your purchasing power and making it easier to afford a higher-value home.

We've cut the fat that makes other real estate and mortgage brokerages costly, like manual account management and large sales teams, so we can turn our commissions into your down payment. Plus, we pay our realtors on a performance-based model, ensuring you receive dedicated, top-quality service every step of the way.

During a Zown consultation, we take the time to understand your unique home goals and discuss how we can help you achieve them. We'll review down payment boost options tailored to your needs, guide you through starting your pre-approval, and set you confidently on the path to homeownership. It's all about making your journey as smooth and rewarding as possible.