The short answer
At a 90/10 split brokerage you keep 90% of each commission. Summitly's Package B is 90/10 with a $125 + HST monthly fee and $499 + HST on each of your first 4 completed transactions a year. Once your GCI passes $100,000 in a calendar year, the split becomes 95/5 for the rest of that year.
The 90/10 split: key facts
- Split
- 90/10, then 95/5 after $100,000 GCI in a calendar year (resets January 1)
- Monthly fee
- $125 + HST — $1,500 a year before HST
- Transaction fee
- $499 + HST on each of the first 4 completed transactions per calendar year, then none
- Office minimum
- A $500 minimum brokerage share applies per completed transaction, starting with transaction 5 in each calendar year; see your agreement for tax treatment and details
- Cheaper than Package A
- Below about $42,000 of GCI at four deals a year
Why Summitly for the 90/10 split
Lower fixed costs
$125 + HST a month and $499 + HST on your first four deals.
95/5 in a strong year
After $100,000 GCI, automatically, until January 1.
A mentor from day one
1-to-1 mentorship and weekly training at no extra charge.
Three ways to work
Package A, Package B or Brokerage Leads
Two packages for the business you bring, and the Leads Plan with a 50/50 split on leads the brokerage provides. Pick the package that fits your year — the numbers are all below.
Package A
95/5
you / brokerage, on sales
- $200 + HST a month
- $799 + HST on each of your first 4 deals a year, then none
- A $500 brokerage minimum applies; see your agreement for details
Who it's for: Agents with steady deal flow who want the highest split from the first dollar.
Package A in detailPackage B
90/10
you / brokerage, on sales
- $125 + HST a month
- $499 + HST on each of your first 4 deals a year, then none
- 95/5 after $100,000 GCI (resets January 1)
- A $500 brokerage minimum applies; see your agreement for details
Who it's for: Newer agents and anyone building up — lower fixed costs, and 95/5 once you pass $100,000 GCI in the year.
Package B in detailLeads Plan · Brokerage Leads
50/50
on deals from leads the brokerage provides, sales or leases
- $299 + HST a month
- No transaction fees
- 90/10 on the business you bring yourself
- No charge per lead — buyer or seller, sales or leases
- Warm and never shared — each lead goes to one agent
- From summitly.ca enquiries, Summitly apps, Zara AI conversations, ads and more
- Worked in the brokerage CRM
Who it's for: agents who want brokerage leads and a mentor to help close them. Agents who want leads join the Leads Plan.
How Brokerage Leads work| Term | Package A | Package B | Leads PlanBest if you want leads |
|---|---|---|---|
| Monthly fee | $200 + HST | $125 + HST | $299 + HST |
| Transaction fees | $799 + HST on each of your first 4 a year, then none | $499 + HST on each of your first 4 a year, then none | None |
| Split on your own deals | 95/5 | 90/10, 95/5 after $100,000 GCI in a calendar year | 90/10 |
| Brokerage Leads | Not included | Not included | Included: 50/50 on deals from them, no charge per lead |
| Best for | Steady producers who bring their own business | Newer agents building their own business | Agents who want warm leads and help closing them |
All amounts before HST. Full terms are in the Independent Contractor Agreement you review before joining.
All amounts before HST. No annual cap. Residential and condo leases: $250 + HST per side. A $500 minimum brokerage share applies per completed transaction, starting with transaction 5 in each calendar year; see your agreement for tax treatment and details. Full terms are in the Independent Contractor Agreement you review before joining. At four deals a year, Package B costs less below about $42,000 of GCI and Package A above it. Every fee, explained.
Take-home calculator
Your take-home, Package A vs Package B
Put in your year. The calculator shows what each package costs you and what you keep — before HST.
Which package fits you?
Move the sliders to your year. We add up the split, twelve monthly fees, transaction fees on your first four deals, the $500 brokerage minimum, Package B's move to 95/5 above $100,000 and lease fees.
Package A costs $2,900 less a year at these numbers. With 8 deals, the two packages cost the same at about $54,667 of GCI — below that Package B costs less, above it Package A does.
Package A · 95/5
$107,904
take-home · you keep 89.9%
Brokerage cost $12,096
Package B · 90/10
$105,004
take-home · you keep 87.5%
Brokerage cost $14,996
| Before HST | Package A | Package B |
|---|---|---|
| Split | $6,000 | $11,000 |
| Office minimum top-up | $0 | $0 |
| Monthly fees × 12 | $2,400 | $1,500 |
| Transaction fees | $3,196 | $1,996 |
| Lease sides | $500 | $500 |
| Total to the brokerage | $12,096 | $14,996 |
Illustration, not an offer: CAD before HST; GCI spread evenly across your sale deals; lease commissions are not in GCI, so lease sides only add their flat fee (the same on both packages). Leads the brokerage hands you are split 50/50 and are not included here. A discretionary $1,000 bonus at $250,000 GCI is not counted. Your agreement governs.
Included
Everything included at no extra cost
- 24/7 office accessRound-the-clock access to the Vaughan office and a dedicated work area.
- Up to 200 copies a monthUp to 200 black-and-white copies every month.
- 500 business cardsYour first order of 500 business cards is free when you join.
- Professional headshotOne professional headshot.
- Social graphics for every dealBranded social-media graphics for every new listing and every sale.
- Listing & buyer kitsListing presentation kits, buyer and seller packages, and pricing and market-intelligence tools.
- Event items to borrowBorrow a branded tent, banners and a table cover for events.
- Open-house technologySign-in systems, QR codes, digital feature sheets and automated follow-ups; some devices at cost.
- CRM & back-end systemsThe brokerage CRM, back-end systems and Coldwell Banker marketing and technology tools, with full training.
- Summitly AI platformAI search, market intelligence, Zara chat and automation.
- Global Luxury & CommercialColdwell Banker Global Luxury and Commercial specialty programs, open to every agent.
- In-house mortgage partnerRefer clients to our mortgage brokerage partner. Any referral fee is paid to the brokerage, not to you directly, and must be disclosed to your client in writing, with its estimated value, before they proceed (RECO Bulletin 3.3).
- Preferred vendor discountsDiscounts with the brokerage's preferred vendors.
Included at no extra cost. Optional and paid: Done-for-you marketing (video, posting and social management, paid campaigns). Teams, shared administrators and unlicensed assistants are allowed.
Package B in plain numbers
Twelve monthly fees come to $1,500 and four transaction fees to $1,996, before HST. At $36,000 of GCI from 4 sales, Package B costs $7,096 in total and you keep $28,904.
The $100,000 upgrade to 95/5
Your first $100,000 of GCI in a calendar year is split 90/10; everything after it is 95/5 for the rest of that year. It resets on January 1. You do not have to switch packages to get the higher split in a good year.
The 90/10 split and the 90/10 rule
Same numbers, different things. The 90/10 split is Package B's commission share. The 90/10 rule is about agents: The 90/10 rule is the reality of Ontario real estate, and TRREB's annual agent production stats show it every year: 90% of agents don't produce and 10% do. It is the problem Summitly is built around. Most brokerages build for the 10% who already produce; Summitly focuses on the 90%, with 1-to-1 mentorship for every agent, weekly training and coaching on closing, not only on getting leads.
Who Package B suits
- Newer agents building their first full year.
- Agents returning to the business or changing markets.
- Anyone who expects less than about $42,000 of GCI this year at four or more deals.
- Agents who want 95/5 in a strong year without paying higher fixed fees all year.
Brokerage Leads
We give you warm leads. Never shared. And we help you close them.
When someone contacts Summitly about buying, selling or renting, we hand the lead to one agent — you. Agents on the Leads Plan ($299 + HST a month, no transaction fees, 90/10 on your own deals) receive them: no charge per lead, 50/50 when it closes, and a senior broker to help you convert. We don't promise a number of leads.
- Warm: they contacted us first
- Not shared: one lead, one agent
- Leads Plan: $299 + HST a month, no transaction fees · 50/50 on close
- Coaching to convert, every step
Book a confidential conversation
Tell us about your business and we'll show you which package fits, how Brokerage Leads work and who your mentor would be — no pressure, fully confidential.
The 90/10 split: frequently asked questions
What is a 90/10 commission split?
The agent keeps 90% of the commission the brokerage receives on a deal and the brokerage keeps 10%. Compare it with the fixed fees around it: a 90/10 plan with low fixed costs can leave you with more in a smaller year than a higher split with higher fees.
Does Summitly's 90/10 package become 95/5?
Yes. Once your GCI passes $100,000 in a calendar year, Package B moves to 95/5 for the rest of that year, and it resets on January 1.
What is the monthly fee on Summitly's 90/10 package?
$125 + HST a month by pre-authorized debit, plus $499 + HST on each of your first 4 completed transactions in a calendar year and none after that.
Is a 90/10 split good for a new agent?
It often suits one, because the fixed costs are what hurt before your first commissions arrive. At four deals a year Package B costs less than Package A below about $42,000 of GCI, and every agent on it still gets 1-to-1 mentorship.
Sources
- Coldwell Banker Summit Realty, Brokerage — Independent Contractor Agreement, Schedules B, C, K and L (terms confirmed by the brokerage) — checked September 25, 2026
- RECO — Fee schedule (salesperson/broker registration, effective March 1, 2023) — checked September 25, 2026
- RECO — Renew your insurance (professional liability insurance program) — checked September 25, 2026
Summitly is the technology platform of Coldwell Banker Summit Realty, Brokerage, a brokerage registered with the Real Estate Council of Ontario (RECO), 310-3100 Steeles Ave W, Vaughan, ON L4K 3R1. Each Coldwell Banker office is independently owned and operated. Agents join as self-employed, commission-based independent contractors, not employees; terms are those of the brokerage's agent agreement, and fees are before HST. Verify any brokerage or agent on the RECO public register.
