🇨🇦 What every homeowner should know

You don't need
a realtor to sell
your home.

They carry the least liability in your transaction, do work you could do yourself, and walk away with the biggest cheque. It's time Canadians knew the truth.

$25,000+
Avg. commission on Alberta home
5%
Standard commission rate
0%
Liability realtors carry at closing
The truth about your home sale

Who actually does what
in a real estate transaction?

Every professional in your home sale carries liability and legal responsibility — except one.

Legally required
⚖️

Real Estate Lawyer

Handles title transfer, mortgage registration, trust accounting, legal compliance. Carries full professional liability insurance. If they make an error, they pay.

Typical cost
$1,200 – $2,000
Your lender requires
🏦

Mortgage Broker

Secures your financing, compares rates across lenders, handles pre-approvals and conditions. Regulated by provincial authority. Fiduciary duty to you.

Typical cost
$0 to buyer
Not required
👤

Real Estate Agent

Lists your home on MLS, shows it, presents offers. Carries no liability at closing. Their brokerage's E&O insurance rarely pays out. If your deal goes sideways, your lawyer fixes it.

Typical cost
$25,000+
Liability comparison

The biggest cheque.
The least accountability.

⚖️ Your lawyer
  • Mandatory professional liability (E&O) insurance
  • Personally liable for errors in title transfer
  • Holds your deposit in regulated trust account
  • Can be disbarred for negligence
  • Fiduciary duty — legally must act in your interest
Cost: $1,200 – $2,000
👤 Your realtor
  • E&O insurance through brokerage — rarely pays claims
  • Not liable for pricing errors or market advice
  • Doesn't handle any money in the transaction
  • RECA complaints rarely result in meaningful penalty
  • Contract says "not responsible for verifying information"
Cost: $25,000+
Be honest

What does a realtor
actually do?

Here's the full list of services you're paying $25,000+ for.

📸
Take photos
Photographers charge $200–$400. Your agent hires one and bills you 5%.
💻
List on MLS
A flat-fee listing service does this for $200–$500. No agent needed.
📅
Schedule showings
You already schedule everything else in your life. This is a calendar invite.
💬
"Negotiate"
Your lawyer reviews the contract. The agent relays numbers between parties.
📊
Price your home
They pull the same comps you can see online. AI does this better now.
📄
Handle paperwork
Standard AREA forms. Your lawyer handles the actual legal documents.

Every single one of these tasks can be done by you, a flat-fee service, or AI. The only thing that legally requires a professional is the closing — and that's your lawyer, not your realtor.

The math doesn't lie

See what you're
giving away.

Drag the slider to your home's value. Watch what stays in your pocket vs. what goes to a brokerage.

$620K
$200K$2M
Think about what you'd do with $28,302
That's a car. A year of mortgage payments. Your kid's education. Not your realtor's boat payment.
❌ Traditional Realtor
5% commission — standard brokerage
$31,000
✅ Lawyer + flat-fee listing
$500 listing + $1,200 lawyer
$1,700
You keep
$29,300
back in your pocket
Keep that money → sell with closr.ca
The alternative

So what do you actually need
to sell your home?

Three things. That's it. No realtor required.

💻
01

MLS Listing

Flat-fee services list you on Realtor.ca for $200–$500. Same exposure as any agent listing.

~$500
⚖️
02

Real Estate Lawyer

Handles everything legal — title transfer, contracts, trust accounting. The only professional you actually need.

~$1,200
🤖
03

AI Pricing + Support

AI analyzes thousands of comps to price your home. Better than gut feel. Available 24/7.

Included
Total cost: ~$1,700 vs. $25,000+ with a realtor
🇨🇦 Built for Canadians

Ready to keep
your equity?

closr.ca gives you everything you need to sell your home — AI pricing, MLS listing, a real estate lawyer, and human support. No commission. No realtor.

Sell with closr.ca →
No commitment. No pressure. Just the truth about real estate.