Guide, updated November 2026
Real estate cash back in BC: the rules and the math
British Columbia allows a brokerage to share its commission with its own client. Cash back is common on higher-priced Lower Mainland purchases because the commission on a $1 million property is substantial.
The standard split
Most BC listings pay a total of 7% on the first $100,000 and 2.5% on the balance, plus GST. Out of that, the buyer's brokerage usually gets 3.22% on the first $100,000 and 1.15% on the rest. Some listings, especially luxury and presale, pay a different amount.
| Price | Buyer-side commission | 50% cash back |
|---|---|---|
| $600,000 | $8,970 | $4,485 |
| $900,000 | $12,420 | $6,210 |
| $1,200,000 | $15,870 | $7,935 |
| $1,800,000 | $22,770 | $11,385 |
Disclosure
Your agent must disclose all material information about the trade. A rebate to the buyer is material to the seller, and BC regulators have disciplined licensees who promised a buyer a large rebate without telling the seller. A properly run rebate is written into your agreement with the brokerage and disclosed in the contract.
GST
Commissions carry 5% GST. The rebate is normally calculated on the commission before GST, so do not expect the GST to be shared.
Presales
Most Lower Mainland developers pay a commission to the buyer's agent on presale contracts, often a flat percentage. You must register with your agent before your first visit to the presale centre, or the developer may refuse to pay a commission and there will be nothing to rebate.
Tax
A rebate from your own agent on a home you buy is generally treated as a reduction of the purchase price rather than income. On a rental or investment property, it lowers your cost base. Confirm with an accountant.