Joel DyckReal Broker SK Ltd.
Saskatoon · From the topic map

Should my Saskatoon buyer's agent ask for a seller concession to buy down my rate instead of a price cut?

It depends which move lowers your total cost, since commission is negotiable in Saskatchewan and neither move wins automatically. A price cut lowers what you finance permanently, while a lender's rate buydown only lowers payments for a limited window, often 1 to 3 years, before reverting to the rate on title through Information Services Corporation.

A rate buydown makes more sense if you plan to refinance or sell within that window, because you capture the lower payment without paying for a permanent price reduction that outlasts your ownership. It also keeps the purchase price higher on paper, which can matter for future comparables in the neighbourhood.

A straight price cut makes more sense if you're staying long term, since a lower purchase price reduces the mortgage balance you're paying semi-annually compounded interest on for the life of the loan, not just for a temporary window.

Run both scenarios against how long you expect to hold the mortgage before deciding which ask makes sense for your offer. Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

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