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Buying in Ontario · with Zara and a named agent

Buy your next home with premium guidance and instant AI value.

Browse active MLS® listings across Ontario. Get a Zara AI Estimate on any address in seconds. Work with a named, RECO-registered Coldwell Banker Summit Realty agent, not a call centre.

Find your next homeCity, neighbourhood, MLS® # or address

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  • Coldwell Banker Summit Realty, Brokerage
  • Registered with RECO
  • Zara by chat or voice, 24/7
A family home on a quiet Ontario street

Instant AVM

What is any home worth?

Enter an Ontario address. Zara returns an estimated value range, comparable sales and how sure the estimate is.

Try the AVM

Featured listings

Why Summitly

Premium representation, no call-centre runaround

Every Summitly buyer gets a named RECO-registered agent, not a rotating queue, backed by Zara for instant answers in your language.

  • A named agent

    One RECO-registered agent who knows your search, with a direct way to reach them and an introduction to any backup.

  • Zara, around the clock

    Pricing, comparable sales and plain answers by chat or voice, any hour.

  • A brief before every offer

    Comparable sales, days on market and a suggested offer range, so you decide with evidence.

  • Help through closing

    Introductions to lawyers, inspectors and mortgage advisors when you want them.

Coldwell Banker Summit Realty, Brokerage

Buying a home is the largest decision most families make. You deserve a professional who picks up the phone.

Coldwell Banker Summit Realty, Brokerage · Toronto and the GTA

See the full Summitly approach

FAQ

Quick answers from Zara

Want a personal answer? Ask Zara below. She speaks many languages and works from live Ontario MLS® data.

How much can I afford to buy in Ontario?

For an insured mortgage, lenders generally keep housing costs (mortgage payment, property tax, heating and half of any condo fees) within 39% of gross household income, and all debt payments within 44%, tested at the stress-test rate (the higher of 5.25% or your rate plus 2 points). Zara can run a quick affordability check with your income and down payment — start the chat below.

What's a fair price for a home in this neighbourhood?

Use the Instant AVM (Zara AI Estimate) for any address — it returns a value range, $/sqft band, and comp count drawn from recent solds in the same community. Free, no signup.

How long does the buying process take?

From offer accepted to closing day, expect 30–90 days. The Buying Process page walks through every step (offer, financing, inspection, lawyer, closing) with realistic timelines.

Do I need a buyer's agent?

It's your choice, and it usually pays to have one. Your buyer representation agreement sets out what your agent does and how they are paid; in many Ontario sales that commission is paid from the seller's side. With Summitly you get a named RECO-registered agent, plus Zara for instant answers 24/7.

What's the difference between freehold and condo?

Freehold means you own the land and the building (detached, semi, townhouse) — no monthly fees, full repair responsibility. Condo means you own a unit plus a share of common elements — pay maintenance fees, less work. Both have their place.

Zara, your virtual agent · 24/7

Have a buying question right now?

Speak, type or call. Zara pulls live MLS® data, runs the numbers and books a RECO-registered agent when you want one. Free, 24/7.

Coldwell Banker Summit Realty, Brokerage (905) 553-8500

Updated October 7, 2026 · Coldwell Banker Summit Realty, Brokerage

Reviewed by Waqar Afzal, Broker of Record ·

Brokerage services, representation, fees and disclosures. Mortgage, tax and legal information links to official sources and requires advice from the appropriate professional.

Mortgage qualification

CMHC limits are 39% gross debt service and 44% total debt service. Qualify at the greater of 5.25% or your contract rate plus two percentage points, including half of condo fees.

Official source

Representation and commission

Your written buyer representation agreement sets out services, term, commission and any payment shortfall.

Learn more