- Full-service: most cost, least work.
- Flat-fee MLS: MLS exposure, you do the work, buyer agent commission still common.
- FSBO + No Commission System: $0 cost, more callers, you stay in control.
Side-by-side comparison
| Full-service realtor | Flat-fee MLS | FSBO + No Commission System | |
|---|---|---|---|
| Typical cost on $500,000 | $17,000 to $25,000 + tax | Listing fee + ~2.5% to buyer's agent | $0 |
| Contract | Listing agreement | Service agreement | None |
| Who shows the home | Agent | You | You (financing buyers pre-qualified) |
| Buyers who can't get a bank mortgage | Rarely | Rarely | Yes, through the private lender |
| Lawyer at closing | Yes | Yes | Yes |
When a realtor makes sense
If you can't be available for calls and showings, or the property is unusual and hard to price, a full-service agent may be worth the cost.
When FSBO makes sense
If you can answer calls, show the home and keep good records, selling privately saves the most. Adding the private-financing header brings in more callers so you're not waiting on a small pool of bank-approved buyers.
Sell it yourself, with more buyers calling
Add the private-financing header to your ad and let our private lender qualify the buyers the banks turn away. No commission, no contract, no obligation. Listing takes about 5 minutes.
Frequently asked questions
Is it cheaper to sell a house without a realtor in Canada?
Yes. Selling privately avoids commission entirely. You still pay your own lawyer's fees, which you'd pay with a realtor too.
What is a mere posting or flat-fee MLS listing?
A brokerage lists your home on MLS for a flat fee but provides little or no other service. You still handle showings and negotiations, and usually offer the buyer's agent a commission.
Can I use No Commission System and a flat-fee MLS listing together?
Yes. You can advertise anywhere you like. There's no contract with us, and the financing header works on any ad.
Is it really commission free?
Yes. There is no agent in the deal, so there are no real estate fees. Only you, the buyer and the private lender take part.
Related guides
General information for Canadian home sellers, not legal, tax or financial advice. Rules and fees change, so confirm the details with a real estate lawyer in your province before you sell.