Your Trusted Burlington Mortgage Specialists
Situated between Oakville and Hamilton on the shores of Lake Ontario, Burlington combines urban conveniences with a strong community character. The city has experienced significant growth, with a revitalized downtown, expanding residential neighbourhoods, and improving transit infrastructure making it an increasingly popular destination for families and commuters alike.
As independent mortgage brokers, we work with over 40 lenders — including major banks, credit unions, and alternative lenders — comparing the full market to secure the best mortgage for your situation. Our service is free to you in standard residential transactions.
Burlington's Neighbourhoods
- Aldershot: Burlington's westernmost community, adjacent to Hamilton. Mix of older bungalows, newer builds, and commercial areas. GO station (Aldershot GO) makes it popular with Toronto commuters. Generally one of Burlington's more affordable entry points.
- Brant Hills & Tyandaga: Mid-Burlington hillside neighbourhoods with larger lots, mature trees, and established homes. Popular with families upgrading from condos or smaller properties.
- Millcroft & Tansley: Well-established family communities with excellent schools, parks, and a suburban feel. Strong demand from families with children.
- Orchard: Newer east Burlington suburb with modern homes and easy access to the QEW. Attracts young families and professionals.
- Shoreacres & Roseland: Prestigious south Burlington neighbourhoods close to the lake with larger estate-style homes and quiet tree-lined streets.
- Downtown Burlington: Vibrant lakefront core with condos, restaurants, Spencer Smith Park, and the performing arts centre. Growing condo inventory popular with downsizers and young professionals.
Mortgage Services for Burlington Residents
First-Time Home Buyers
Burlington offers more accessible price points than neighbouring Oakville, making it popular with first-time buyers. We help you:
- Understand and access the First Home Savings Account (FHSA)
- Navigate CMHC-insured mortgages with minimum 5% down
- Secure pre-approval to compete in an active market
- Understand closing costs, Land Transfer Tax (Halton Region — provincial only), and ongoing expenses
Refinancing
Burlington homeowners who purchased several years ago have typically accumulated substantial equity. Refinancing lets you access up to 80% of your home's value for:
- Home renovations and additions
- Investment property down payments
- Debt consolidation at mortgage rates
- Education or life expenses
Mortgage Renewals
At renewal time, your current lender will typically offer you a rate — but it may not be their best. We compare 40+ lenders and negotiate on your behalf at no charge. Burlington homeowners consistently find better rates through our process than through their existing lender alone.
Investment Properties
Burlington's growing population and proximity to McMaster University and Mohawk College (Hamilton campuses nearby) supports rental demand. We assist investors with rental property financing, HELOC structures, and multi-property portfolio strategies.
Commuting from Burlington
Burlington is served by the GO Transit Lakeshore West line, with stations at Burlington GO and Aldershot GO. Service runs to Union Station, with connections east to Toronto and west toward Hamilton. Highway access includes the QEW and 403. Burlington's transit connectivity is a significant draw for GTA commuters.
Homeownership Costs in Burlington
| Property Tax | ~0.71% of assessed value annually |
| Home Insurance | $1,200–$2,800/year |
| Utilities | $180–$380/month |
| Condo Fees (if applicable) | $400–$800/month |
| Maintenance Reserve | 1% of home value annually |
Frequently Asked Questions — Burlington Mortgages
Is Burlington more affordable than Oakville?
Generally, yes. Burlington typically offers more accessible price points than Oakville for similar property types, while still offering excellent quality of life, schools, and transit access.
Do Burlington buyers pay a municipal land transfer tax?
No. Burlington is in Halton Region and buyers pay only the provincial Land Transfer Tax — there is no additional municipal land transfer tax (unlike Toronto). This can save buyers thousands at closing.
Can I get pre-approved for a Burlington mortgage quickly?
Yes — pre-approval typically takes 24–48 hours once we have your documentation. We recommend getting pre-approved before you begin your property search so you're ready to make offers in Burlington's active market.