Cash Buyer vs. Realtor: Which Is Right for Your Ontario Home?

This is the most important decision you will make when selling your Ontario home. Both options have real advantages and real trade-offs. Here is an honest, balanced comparison.

Selling Through a Realtor

Advantages: Access to the full MLS buyer pool, potential for a higher gross sale price, professional negotiation support.

Disadvantages: 4 to 6 percent commission, 45 to 90 day timeline, repairs and staging costs, risk of conditions falling through, open houses and showings.

Selling to a Cash Buyer

Advantages: Close in 7 days, zero commission, no repairs, no showings, guaranteed close, full certainty from day one.

Disadvantages: Offer may be below full retail market value — though after commissions and costs, the net difference is often minimal.

When to Choose a Cash Buyer

• You need to sell quickly due to financial pressure, relocation, or life circumstances
• Your home needs repairs you do not want to make
• You want certainty with no conditions or financing risks
• You are facing power of sale, divorce, or an inherited property situation