Verified real estate experts in Burlington

One verified expert per sector: broker, mortgage broker, inspector, lawyer and appraiser. Pick your neighbourhood.

1 sector 4 verified experts · as of

Sectors / neighbourhoods

Verified Partial No expert · 1 dot per profession

Calculate for Burlington: buy or sell

Buy

Land transfer tax, down payment and mortgage in Burlington

Starting price: Burlington's reference price (TRREB (Halton) / CREA, August 2026). Change any field and everything is recalculated.

Ontario land transfer tax$13,473
First-time buyer rebatetick “first-time buyer”
Tax to pay$13,473
Minimum down payment (federal rule)$59,990
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$679,900
Monthly payment, 25 years at 4.49%$3,759
Household income needed (stress test)$166,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (July 2026); your lender will set its own. Income needed: 6.49% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Burlington as everywhere in Canada (Income Tax Act).

Capital gain$100,000
Your principal residence (designated every year)$0 taxable
Other property (cottage, rental): taxable amount$50,000
Land transfer tax$0 — paid by the buyer
Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

By profession

The Burlington real estate market — Aug 2026

At a glance
Source : TRREB (Halton) / CREA, August 2026
IndicatorValue1-year change
Reference price (Aug 2026)$849,900-0.8%
Average price$1,020,937
Market conditionsSeller's market · 3.6 months
Sales (Aug 2026)193 transactions-11.5%
Avg. days on market38 days
By property type
Detached$1,429,151
Townhouse$897,263
Apartment$683,997

Burlington lies on Lake Ontario in Halton Region, between Hamilton and Oakville at the foot of the Niagara Escarpment, and is regularly ranked among the best mid-size cities in Canada to live.

In August 2026, the MLS® benchmark price in Burlington stood at $849,900, down 0.8% year over year. The average price, all property types combined, was $1,020,937. By property type: detached $1,429,151, townhouse $897,263, and apartment $683,997. There were 193 sales during the month, 11.5% fewer than a year earlier. With 3.6 months of inventory, it is a seller's market by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Burlington took an average of 38 days to sell. Source: TRREB (Halton) / CREA, August 2026.

By segment, detached houses sit at the top of the market, freehold townhomes in the middle, and condominium apartments — concentrated in the revitalised downtown along Brant Street — are the most accessible entry point.

Burlington is several communities. The walkable downtown and its waterfront condominiums, the mature detached neighbourhoods of Aldershot, Roseland and Millcroft, and newer family communities like Alton Village to the north each follow their own patterns. A broker who knows these pockets — and an appraiser familiar with the local stock — is worth far more than a citywide figure.

On financing, the minimum down payment rises in tiers with the price: 5% on the first $500,000, 10% on the portion between $500,000 and $1.5 million, and 20% from $1.5 million up — the insured-mortgage cap was raised to $1.5 million in December 2024. Every purchase must clear the federal stress test. A pre-approval clarifies which bracket — and which budget — actually applies to you.

Beyond the mortgage, Burlington sits outside the City of Toronto, so buyers pay only the Ontario land transfer tax — not a second municipal LTT. First-time buyers can claim the provincial rebate of up to $4,000. Budget as well for the lawyer's fee, title insurance and adjustments, and confirm current rates, which change.

As everywhere in Ontario, a real estate lawyer — not a notary as in Quebec — handles title, the land transfer and the mortgage at closing, under the Law Society of Ontario. Payotte lists one verified professional per profession for Burlington — real estate agent, mortgage broker, home inspector, real estate lawyer and appraiser — each ranked on a transparent 100-point grid (Google reviews, experience, an active licence on the regulator's register with RECO, FSRA, the Law Society of Ontario or the Appraisal Institute of Canada, local presence and a small bonus). One verified reference per profession — free, ad-free and commission-free.

How Payotte selects

For every sector, Payotte publishes a single professional per profession — the highest-scoring on its 100-point grid (Google reviews 35, experience 30, active provincial licence 15, local presence 15, bonus 5). No paid placement, no ads, no commissions.

Frequently asked questions

Which real estate professionals does Payotte recommend in Burlington?

In Burlington, Payotte selects one independent professional per trade, scored on public data (Google reviews, active licence on the regulator's register, genuine local presence) — no ads, no commissions, no paid placement. Current selections: Real Estate Broker — Rocca Sisters; Mortgage Broker — Rob Cagnin; Home Inspector — Crooker Hancox Home Inspections; Real Estate Lawyer — Estofa Law; Certified Appraiser — being finalized.

What is the average home price in Burlington in 2026?

In August 2026, the MLS® benchmark price in Burlington stood at $849,900, down 0.8% year over year. The average price, all property types combined, was $1,020,937. By property type: detached $1,429,151, townhouse $897,263, and apartment $683,997. Source: TRREB (Halton) / CREA, August 2026.

How much down payment do I need in Burlington?

It depends on price: the minimum is 5% on the first $500,000, 10% on the portion between $500,000 and $1.5 million, and 20% from $1.5 million up — the insured-mortgage cap was raised to $1.5 million in December 2024. Every buyer must also clear the federal stress test.

Does Burlington charge a municipal land transfer tax?

No. Burlington is outside the City of Toronto, so buyers pay only the Ontario land transfer tax, not a second municipal LTT. First-time buyers can claim a provincial rebate of up to $4,000.

Do I need a lawyer or a notary to buy in Burlington?

A real estate lawyer, regulated by the Law Society of Ontario, who handles title, the land transfer and the mortgage. Ontario has no notary role as in Quebec.

How much tax do you pay when you sell a home in Burlington?

Usually none if it is your principal residence: the Canada Revenue Agency's principal residence exemption wipes out the capital gain for each year the home is designated, though the sale must still be reported. For another property (cottage, rental), half the gain is added to taxable income (1/2 inclusion rate, CRA guide T4037) and taxed at your marginal rate. Example at Burlington's reference price ($849,900): bought for $749,900, the home shows a gain of $100,000: $0 taxable if it is your principal residence; otherwise $50,000 of taxable amount is added to your income (the resulting tax depends on your marginal rate, not computed here). The land transfer tax is paid by the buyer, not the seller; the agent's commission is negotiated, and no official schedule sets it.

Source : TRREB (Halton) / CREA · City of Burlington — ligne municipale du Market Watch TRREB (Halton) · 2026-08 — figures updated with each board release.

Property assessment in Burlington

Assessor: Municipal Property Assessment Corporation (MPAC): it assesses and classifies every property in Ontario. To appeal: Request for Reconsideration by March 31 of the tax year, or 120 days from the issue date on a Property Assessment Change Notice

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