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Halton Region mortgage team

Looking for a mortgage broker in Burlington?

Burlington sits at the sweet spot between affordability and lifestyle. Whether you are a young family buying near the lake, a retiree downsizing from a detached home, or renewing a mortgage in Aldershot - Jeff and Emily compare every lender on the market so you keep more of your money.

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164 five-star Google reviews

164

Google reviews

5.0

Star rating

30+

Lenders

$0

Broker fee

The Burlington housing market

The median detached home in Burlington is approximately $1,100,000 in 2026. The city attracts both families and retirees looking for a quieter alternative to Toronto with strong amenities. Townhomes in the $650K-$800K range are popular with first-time buyers, while the lakefront and older south Burlington command higher prices.

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Why use a mortgage broker in Burlington?

A mortgage broker is a licensed professional who shops multiple lenders on your behalf. Instead of going to one bank and accepting their offer, a broker compares rates and terms from 30+ lenders in a single application. The lender pays the broker, so there is no cost to you.

In Burlington, where property values and mortgage amounts are significant, even a small rate difference translates to thousands of dollars in savings over a 5-year term. A broker also negotiates terms like prepayment privileges, portability, and penalty structures that matter when your life changes.

Jeff and Emily Mudrick are licensed mortgage agents with BRX Mortgage Inc. (Lic# 13463), serving Burlington and all of Halton Region. With 164 five-star Google reviews and access to every major lender in Canada, they handle everything from first-time purchases to complex refinances and investment properties.

What we help with in Burlington

Every situation is different. Here is what we see most often.

Buying a Home

First-time or experienced buyer, we walk you through the stress test, down payment options, CMHC insurance, and closing costs. Then we find the rate and lender that fits your situation.

Mortgage Renewal

Your bank sends a renewal letter and hopes you sign it without shopping around. You can switch lenders at renewal with zero penalty. We compare the full market so you know exactly what you are leaving on the table.

Refinancing

Pulling equity for renovations, consolidating debt, or restructuring your mortgage to save money. We calculate the penalty, compare the options, and make sure the numbers actually work before you commit.

Investment Properties

Rental properties have different qualification rules, down payment requirements, and rate options. We know which lenders are investor-friendly and how to structure applications to maximize your buying power.

Healthcare Professionals

Physicians, dentists, residents, and nurses have unique financial situations. Student debt, income that jumps between career stages, and offer letters instead of T4s. We work with lenders who understand all of it.

Self-Employed

Business owners, freelancers, and commission earners face tighter scrutiny from traditional lenders. We know which lenders accept business financials, stated income, or alternative documentation to get you approved.

How it works

Three steps. No paperwork surprises.

1

Book a free call

Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Burlington. We will ask the right questions and give you a clear picture of what is possible. No commitment, no pressure.

2

We shop 30+ lenders

We compare rates, terms, and qualification criteria across the entire market. We handle all the applications, paperwork, and lender communication. You get a clear recommendation with the numbers behind it.

3

You close with confidence

We walk you through every document before you sign. No surprises at the lawyer. Jeff and Emily send personalized video walkthroughs for every milestone, and stay available by phone or email throughout the process and beyond.

Mortgage questions in Burlington

If your question is not here, book a call - we answer everything.

A mortgage broker in Burlington costs $0. The lender pays the broker fee when your mortgage closes. You receive the same or better rate than going to a bank directly. There is no financial downside to using a mortgage broker for your Burlington home purchase, renewal, or refinance.

The median detached home price in Burlington is approximately $1,100,000 in 2026. Townhomes and semis range from $650,000 to $800,000. Condos in the downtown core start around $500,000. South Burlington near the lake carries a premium, while north Burlington near the QEW offers newer builds at more moderate prices.

Yes, in the majority of cases. Banks are limited to their own products. A mortgage broker accesses 30+ lenders and finds the best rate and terms for your specific situation. On a $1,100,000 Burlington home, a broker can often save $10,000-$20,000 over a 5-year term compared to accepting a bank offer.

Not always. For homes under $1,500,000, the minimum down payment is 5% on the first $500,000 and 10% on the remaining amount. On a $1,100,000 Burlington home, the minimum down is $85,000 with CMHC insurance. Many buyers put 20% down ($220,000) to avoid the insurance premium.

Provide a mortgage broker with your income proof, employment letter, ID, and credit consent. Pre-approval takes one to two business days and holds a rate for 90-120 days. Burlington is a competitive market, so having pre-approval before you start house hunting puts you in a stronger position to make offers.

Burlington consistently ranks among the most liveable cities in Canada. It offers strong schools, lakefront parks, a walkable downtown, and GO Train access to Toronto. Property values have appreciated steadily over the past decade. The city attracts both young families and retirees, keeping the market diverse and stable.

Ready to talk?

Book a free call with Jeff or Emily. No commitment, no sales pitch - just honest answers about your Burlington mortgage.

Book a Call

Or email us at jeff@mudrickmortgages.com

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Jeff and Emily Mudrick are licensed mortgage agents with BRX Mortgage, Lic#13463.
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Emily Mudrick

Mortgage Agent - usually replies fast

Hey! I'm Emily - happy to answer any mortgage questions. What's on your mind?