Halton Region mortgage team

Looking for a mortgage broker in Burlington?

Craig Austin and his team are licensed mortgage agents based right here in Burlington. Whether you are buying your first home in Aldershot, renewing in Roseland, or refinancing in Alton Village, we compare 50+ Canadian lenders to find the rate and product that actually fits your situation. Local team, real answers, zero cost to you.

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202+ five-star Google reviews across the GTA, Halton, and Hamilton

50+

Lenders compared

5.0

Star rating

$0

Broker fee

Level 2

Licensed agent

The Burlington housing market

The median detached home in Burlington sits around $1.25M, with pockets like Roseland and Shoreacres pushing well past $1.5M for established family homes. Townhomes and semis in Alton Village and Orchard Park are popular with first-time buyers in the $850K-$1.05M range. Condos downtown and along Lakeshore start in the mid-$500Ks. The market has cooled from the 2021-2022 peak but is showing real movement again.

Market rates change frequently. Craig will compare the available options for your mortgage.

Local market information reviewed August 2026.

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 50+ 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.

Craig Austin is a Level 2 Mortgage Agent operating under Tango Ontario (FSRA #13691), serving Burlington and all of Halton Region. With access to every major lender in Canada and a specialty in physician and healthcare financing, Craig handles everything from first-time purchases to complex refinances and investment properties.

What we help with

Mortgage help 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.

Physician Mortgages

Doctors, residents, and dentists qualify for specific programs that accept offer letters instead of T4s, ignore student debt, and often allow higher loan amounts. We know every lender in Canada that offers these programs.

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.

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.

Why homeowners work with us

Why Burlington homeowners choose Craig Austin Mortgage Group

202+ five-star Google reviews across the GTA, Halton, and Hamilton. Real clients, real outcomes, real numbers.

50+

Canadian lenders compared in a single application

202+

Five-star Google reviews from real clients

$0

Broker fee: compensation comes from the lender, not you

Level 2

Licensed Mortgage Agent operating under Tango Ontario (FSRA #13691)

MD+

Physician mortgage specialty for doctors, residents, and healthcare pros

🎙

Host of The Mortgage Secrets Podcast on Spotify

What clients say

“We had a fantastic experience working with Craig and his team. Incredibly helpful, supportive, and made sure we understood every step. Everything felt smooth and stress-free.”

Tamara S., Google Review

“Craig gave me honest expert advice about switching my mortgage on renewal for a better rate. His knowledge was impressive and I felt he had my best interests in mind. Highly recommend.”

Anthony S., Google Review

“Craig made the notoriously challenging process of understanding and securing a mortgage a breeze with his expert knowledge and his ability to explain difficult concepts throughout the home buying process.”

Ryan K., Google Review

The process

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 ask the right questions and give you a clear picture of what is possible. No commitment, no pressure.

2

We shop 50+ lenders

We compare rates, terms, and qualification criteria across the entire Canadian mortgage 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. Craig stays available by phone, email, or podcast question throughout the process and beyond.

Common questions

Mortgage questions in Burlington

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

A mortgage broker in Burlington costs $0. Brokers are paid by the lender when your mortgage closes, not by you. Craig compares products and terms from more than 50 lenders through one application, with no broker fee on a standard residential mortgage.

The median detached home price in Burlington is approximately $1.25M. Townhomes and semis range from $850K to $1.05M. Condos start in the mid-$500Ks downtown and along Lakeshore. Prices vary by neighbourhood, with Roseland and Shoreacres commanding the highest values and Alton Village offering more approachable options for first-time buyers.

Yes. A mortgage broker can compare your bank’s offer with products from more than 50 lenders, including credit unions and monoline lenders that only work through brokers. The comparison uses one application and includes the rate, term, penalties, prepayment options, and qualification rules.

Physicians, dentists, and residents in Burlington may qualify for physician-specific mortgage programs that accept signed contracts and offer letters instead of two years of T4s. These programs can allow higher loan amounts with less down payment and different treatment of student debt. Craig specializes in physician financing for doctors at Joseph Brant Hospital and throughout the Hamilton / Halton region.

Book a free call with Craig. You will provide income documents, employment info, ID, and consent for a credit check. A pre-approval typically takes one to two business days and locks in a rate for 90-120 days. It tells you exactly how much you can afford before you start house hunting in Burlington, and lets your offer stand out in multiple-offer situations.

Burlington is known for its schools, proximity to Toronto and Hamilton, lakefront access, and strong local job market. Whether buying makes sense depends on your budget, timeline, and plans for the property. Craig can help you work through the mortgage numbers before you decide.

Compare the renewal letter before signing it. Switching lenders at maturity carries no prepayment penalty, and Craig can compare your bank’s offer with similar terms and products from other lenders. The right choice depends on the rate, penalties, features, and any costs involved in moving the mortgage.

For homes under $500,000 you need 5% down. Between $500K and $1.499M you need 5% on the first $500K and 10% on the rest. On a $1.25M Burlington home that is $100,000 minimum, plus CMHC insurance. Homes priced at $1.5M or higher require 20% down (no CMHC option). There are programs to help first-time buyers, including the First Home Savings Account (FHSA) and RRSP Home Buyers' Plan.

Ready to talk?

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

Book a Call with Craig

Or email Craig at craig@wearemortgages.ca

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Craig Austin is a Level 2 Mortgage Agent operating under Tango Ontario, FSRA brokerage #13691.
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