Industry-Beating Mortgages
[ESTIMATED CASHBACK FOR A 1M HOME]
Total Cashback Our Clients Received
$3,059,288.87
Updated August 26, 2025
I have lost track of the number of people I have made the ZVR pitch to...
5 Stars On Google
Explore How It Works
Your home purchase isn’t just a transaction—it’s a complex, high-stakes puzzle for the largest purchase of your life. Our real estate agents, mortgage strategists, and in-house legal counsel work together from day one, so every move is aligned. The result?
Our contracts are one way promises to you. Not blown away by our service? Walk away any time.
Keep 100% of your agent commission. We’ve turned the old rules upside down to put you ahead from day one.
First Time Buyers
We guide you through every step so your first purchase is smooth, secure, and financially smart.
Tenth Time Buyers
You know the game. More leverage, more cashback, and strategies that squeeze every advantage out of the market.
Tech Powered
Explore how technological innovation streamlines your home purchase and puts you in the driver's seat.
Scary Good Team
High-volume dealmakers, mortgage pros, and sharp legal minds—working together to protect your money and your peace of mind.
Learn More
We don’t just find you a loan—we engineer a mortgage strategy. From cashback to repayment plans, our financing approach turns one of life’s biggest expenses into a powerful wealth-building tool.
Lowest Effective Rate
Complete Strategy
Tax Optimisation
Scenario Analysis
Leo and the entire team and ZVR made my first time home buying experience an absolute breeze...
5 Stars On Google
Discover Downpayment Assistance
Apply your real estate and mortgage cashback directly to your down payment. Get more buying power, qualify for better mortgage terms, or simply make your home more affordable.
Up To $75,000
Other services balance their margin with your downpayment assistance. At ZVR you can apply 100% of your cashback to your downpayment.
Highly Specialized Team
We combine market, legal, and mortgage intelligence to ensure your down payment delivers the best possible outcome.
Tailored To Your Needs
Debt reduction, insurance reduction, tax optimisation, and more. We analyze your case and tailor our support to your needs.
I had a great experience with ZVR. The team was very helpful throughout the process. I received support and guidance from start to finish - I am extremely thankful! Kudos team!
5 Stars On Google
We Know We Sound Too Good To Be True
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What is this cashback again?
But only sellers pay the commission...
How do you make it work then?
But what about the expertise of a traditional agent?