FSRA #13717 DOMINION LENDING CENTRES A.I.M.I. COLLECTIVE MORTGAGE GROUP
Unlock Your Dream Home Today
Discover personalized mortgage solutions tailored to your needs. Let Valko Financial Ltd guide you towards owning your dream home with expert advice and seamless service.
The Valko Way
Unlock Exceptional Mortgage Services
We’re a team of mortgage professionals committed to helping Canadians build financial confidence. Whether you’re buying your first home, renewing, refinancing, or investing, we offer personalized solutions and expert guidance every step of the way. Let us connect you with the right mortgage to support your goals—online or in-person.
Competitive Rates
We work with a wide network of trusted lenders to access exclusive rates—ensuring you get the best deal for your unique situation.
Personalized Advice
Unlike banks, we work for you. Every recommendation we make is tailored to your financial goals and life stage.
Peace of Mind
As licensed mortgage professionals, we follow strict industry ethics and are committed to transparency, trust, and long-term support.
Speed & Convenience
Your time matters. We offer flexible appointments and a streamlined process that works around your schedule—online or in-person.
Protect Your Credit
Too many lender inquiries can hurt your credit. We use a single credit check to help you compare options without affecting your score.
Pre-Approval Confidence
Whether you’re buying or refinancing, we’ll walk you through a clear and easy pre-approval process so you know exactly what to expect.
Unlock Your Dream Home or Investment
Valko Financial Ltd simplifies the mortgage process, helping Canadians secure the best deals with ease. Our expert brokers guide you every step of the way, ensuring a stress-free journey to homeownership. Discover competitive rates and personalized service today.
Guiding You Through Every Stage of Life
We offer personalized advice and solutions tailored to where you are—and where you’re going. Whether you're buying your first home, growing your family, navigating a life transition, or planning for retirement, we're here to support you every step of the way.
Mortgage Pre-approval
Get a clear picture of what you can afford and strengthen your offer with a personalized mortgage pre-approval.
Expert Refinance Guidance
Access better rates, consolidate debt, or free up cash flow by refinancing your existing mortgage.
Mortgage Renewal
Don’t just sign your renewal—let us shop around to help you find a better rate, term, or lender.
Reverse Mortgage
Tap into your home’s equity for retirement income while staying in the home you love.
Debt Consolidation
Simplify your finances and reduce monthly payments by combining high-interest debts into one manageable mortgage.
Mortgage Insurance
Protect your home and family with tailored mortgage insurance solutions that fit your needs.
Self-Employed Mortgages
We specialize in mortgage solutions for entrepreneurs and business owners, even with variable income or non-traditional documents.
First Time Buyer
Navigate your first home purchase with confidence through expert advice, education, and step-by-step support.
Credit Coaching
Improve your credit score and financial health with one-on-one guidance and personalized strategies.
Commercial Mortgage
Our experts provide customized financing for your business property needs. We develop the best mortgage strategy, ensuring your investment aligns with your financial goals.
Retirement Strategy
We provide personalized strategies to maximize your savings and ensure long-term peace of mind. Let us guide your transition into your golden years with confidence.
Divorce or Separation
Navigate financial transitions with clarity and compassion—whether buying out a partner or restructuring your mortgage.
New To Canada
We guide newcomers through the mortgage process, ensuring they find the right fit. Our team provides expert advice to help new Canadians achieve their homeownership goals with ease.
Buying or Selling a Home
Whether you're upgrading or downsizing, we’ll guide you through the buying or selling process with confidence and care.
Meet Our Founder
Tracy Valko
With nearly 25 years in the mortgage industry, Tracy Valko is a nationally recognized broker, entrepreneur, and passionate advocate for financial wellness. As the founder of Valko Financial, she leads with compassion and clarity—helping clients navigate everything from first homes to life transitions. Named a CMP Woman of Influence and one of Canada’s Top 75 Brokers, Tracy is known for going beyond the mortgage to empower her clients every step of the way.
Your Mortgage Support Team
Santiago Agudelo
Executive Account Manager / Mortgage Broker #M19001247
Matthew Shepherd
Underwriting Manager / Mortgage Broker #M21001910
Cindy White
Senior Underwriter / Mortgage Agent Level 2 #M18001815
Samantha Ratz
Client Success & Compliance Manager / Mortgage Agent Level 1 #M21000867
Connor Stroh
Senior Brokerage Operations
Meghan Valko
Client Experience Specialist
Daniela Salazar
Marketing Director
Brendan Valko
Brand Marketing Associate
Reviews From Our Clients
We just renewed our mortgage with Samantha. She was excellent and made the process very easy. She responded to my questions often within an hour of me emailing and got us a great deal. We felt very taken care of.
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Stacey L
6 days ago
I had the pleasure of using Valko Fianancial for three homes now. I cannot reiterate how smooth and easy the whole process was from start to finish. I worked with Matt S this time around. And he was very calm, easy to chat with and got all the stuff in place making it a super stress free closing. I highly recommend them as they tend to find the best rates at the time of purchase and really talk to you about it. Answer all your questions respectively. 5 ⭐️!
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Natalie Nagy
9 days ago
We absolutely love our new home and we couldn’t have done it without Cindy White! She went over and beyond to make sure we felt comfortable with our purchase. Cindy was transparent and awesome to work with. This is our second time working with Cindy, highly recommended.
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Eston Simon
17 days ago
Nadet Muku
18 days ago
Tracy and her team are very professional and knowledgeable in their field. She explained the process well and was easily accessible for our questions. thank you so much Tracy and team.
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Marilyn Morgan
21 days ago
They were really helpful and explained a lot even when issues arose
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Eric Pintar (Pinn_e)
1 month ago
Secure Your Dream Home Today
Partner with Valko Financial Ltd for tailored mortgage solutions that fit your needs. Our expert brokers in Kitchener are ready to guide you every step of the way.
Stay Connected & Informed
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