Frequently Asked Questions

We can close in as little as 7 days from accepted offer, or further out if you need more time — you choose the closing date that works for your situation. Because we pay cash, there's no lender appraisal, no financing condition, and no underwriting delay. Closing happens through a licensed Alberta or Ontario real estate lawyer who handles title registration and the transfer of funds.

Selling on MLS in Alberta and Ontario typically takes 60-120 days from list to close, with open house showings, repeat buyer visits, conditional offers, inspections, and a realtor commission of around 5%. Selling to a cash buyer is one buyer, no open houses, no inspection conditions, no financing condition, a fast close, and zero commission. We may do a quick private walkthrough as part of preparing the offer, but no broadcast listings or weekend opens. The trade-off: you generally net less than top-of-market on a cash sale — but the speed and certainty work for sellers who need a clean exit.

“The Canadian housing market continues to adjust to higher interest rates and economic uncertainty, with sales activity remaining below historical averages and properties spending more time on the market before selling.”— Bank of Canada, Monetary Policy Report

Yes — many of the homeowners we work with have already tried listing with a realtor. Maybe the listing expired, the showings dried up, conditional offers kept falling apart at financing or inspection, or the property just wasn't a fit for the MLS market. We're not the right path for every seller, but for properties that need work, sellers facing tight timelines, or homes in unique situations, a direct cash sale often closes deals that the traditional market won't.

Two ways. Fill out the form at the top of this page — takes two minutes — or call us. We respond quickly, ask a few questions about the property and your situation, send a cash offer within 24 hours, and close on your timeline. No fees, no obligation, no pressure.

We look at recent comparable sales in your neighbourhood, the current condition of your property, any repairs that will be needed, holding costs while we own the property, and our target margin. We're transparent about how the number is built — when we send you the offer, we can walk you through how we got there.

Once you accept the offer, we sign an Agreement of Purchase and Sale and the deal is handled by a licensed Alberta or Ontario real estate lawyer who manages everything from there — title search, deposit handling, fund transfer, and registration. The lawyer is your confirmation that the transaction is real. On closing day, the funds are wired to your account through the lawyer's trust.

“Housing markets across Canada continue to face pressures from affordability constraints, slow population growth, and economic uncertainty — conditions that lengthen sales timelines and increase the risk of financed deals falling through.”— Canada Mortgage and Housing Corporation (CMHC), Housing Market Outlook

No obligation, ever. The cash offer is yours to take, leave, or sit on. There is no agreement signed when we send the offer — only when you choose to accept. We'd rather you make the decision that's right for you than feel pressured.

We base every offer on recent comparable sales in your neighbourhood, the current condition of the property, the cost of any repairs or upgrades it will need, and our holding costs. We're transparent about how the number is built — when we send you the offer, we can walk you through it line by line so you can see exactly how we got there.

Zero. There are no commissions, no listing fees, no marketing costs, no admin charges. The number on our offer is the number wired to your account at closing. By contrast, a 5% realtor commission on a $600,000 Alberta or Ontario home is roughly $30,000 — money that stays in your pocket selling to us.

We do. Both legal fees and closing costs are covered by us. Title transfer, lawyer fees, statutory disbursements — all on our side. You receive the full offer amount on closing day with no deductions. The only money that comes out of your offer is what's needed to clear your existing mortgage and any liens registered against the property.

Your lawyer pays out the mortgage at closing from the funds we wire. Whatever's left after the mortgage and any registered liens is paid to you. If you're behind on payments, the payout amount includes any arrears and the lender's discharge fee. You leave the deal mortgage-free.

Government-issued ID and proof you own the property (a recent property tax bill or mortgage statement is enough; your lawyer pulls title). Power of Sale, foreclosure, divorce, or estate situations require additional documents — a court order, separation agreement, or probate certificate — all of which your lawyer or our team can help you locate.

Sometimes — but it's handled case by case, not as a standard arrangement. The best step is to speak with us about your timeline and situation so we can see what works best. Depending on the deal, a short post-closing stay or a hold-back arrangement may be possible. If you're closing on a new home shortly after, or coordinating an out-of-province move, let us know early so we can plan around it.

No. We buy completely as-is. Leave anything you don't want — furniture, appliances, garbage, hoarder accumulation, anything. We've bought homes mid-renovation, fire-damaged, with active mold, with foundation cracks, and post-flood. Cleaning out and repairs are our problem after closing, not yours.

Yes. Single-family, condo, townhouse, semi-detached, duplex, mobile/manufactured home, and vacant residential land — all in our buy box. For condos we factor in the corporation's reserve fund and any pending special assessments. For mobile homes we handle pad-rent transfers. For land we look at zoning, services, and developer interest.

Yes. Severe disrepair is one of the situations we specialize in. Fire damage (active or repaired), Stachybotrys/black mold, foundation settlement, knob-and-tube wiring, asbestos, failed septic, post-flood — all priced into our offer up front. We don't charge you separately for what we find or 'renegotiate' after you've signed.

Yes — single-doors, multi-family up to four units, and small portfolios. We close with tenants in place when needed. For investors looking to exit a rental, we can also structure a Vendor Take-Back mortgage so you defer some of the capital gain across multiple tax years.

Yes — this is one of the situations we close most often. In Ontario, once a Notice of Sale under Mortgage is served, you typically have 35 days before redemption rights expire. In Alberta, judicial foreclosure runs about 6 months but the redemption window narrows fast. We can have a cash offer within 24 hours and close before the lender's deadline.

Ontario uses Power of Sale: the lender sells the property without going to court, takes what's owed, and returns any surplus to you. Alberta uses Judicial Foreclosure: the lender goes to court, the judge transfers title to the lender or orders a judicial sale, and any deficiency may follow you personally. Both involve tight timelines — talking to a cash buyer early preserves options.

Yes. We routinely buy occupied rental properties in both provinces. In Ontario we deal with Section N12/N13 LTB notices through our process; in Alberta we handle RTDRS applications when needed. We can take title with tenants in place — you don't have to evict before selling. Our lawyers specialize in tenant-occupied transfers.

Yes, but all heirs (or the executor under a probated will) need to authorize the sale. If the estate is in probate (Certificate of Estate Trustee in Ontario, Grant of Probate in Alberta), the executor signs. We work directly with estate lawyers and out-of-province executors — we've closed inherited probate sales remotely for heirs in BC, Quebec, the US, and overseas.

We pay them out of the offer at closing — not on top of it. Property taxes, water arrears, condo fees, even unpaid gas or electric if it's been registered as a lien — all settled from the sale proceeds. You don't need to come up with cash to clear anything before closing.

On a non-principal-residence sale, 50% of the capital gain is currently included in income (subject to ongoing federal-government changes). For rentals you also recapture CCA you've claimed. A Vendor Take-Back mortgage can spread the gain across multiple years. We can introduce you to accountants in Alberta and Ontario who specialize in this. (General information, not tax advice.)

A Vendor Take-Back (VTB) is when you, the seller, hold a mortgage for part of the purchase price. The buyer pays you the rest in cash at closing and pays principal-plus-interest on the held-back portion over time. Used to spread capital gains, generate monthly income, or close deals where the buyer has cash for a deposit but is structuring around tax.

Yes. Your real estate lawyer in Alberta or Ontario can handle the entire closing remotely — documents are signed by mail, courier, or via video-witnessed virtual signing. We've closed deals with sellers living in other provinces and other countries. Funds are wired to whatever bank account you name.