Valko Financial Ltd
FSRA #13717 DOMINION LENDING CENTRES A.I.M.I. COLLECTIVE MORTGAGE GROUP

OVER 1 MILLION CANADIAN MORTGAGES ARE RENEWING IN THE NEXT TWO YEARS

Mortgage Renewal Coming Up? Compare Your Options First

Most Canadians accept their bank’s renewal offer without comparing rates. See if you could save before you sign.

Mortgage Renewal Calculator

Estimate your new mortgage payment and explore your renewal options before accepting your bank’s offer. Our RenewalIQ tool helps Ontario homeowners compare scenarios and plan their next step.

Current Mortgage Rates

Rates vary by borrower profile and lender. Compare options from multiple lenders before renewing.

Example Rates:

3 Yr Fixed From 3.92%
5 Yr Fixed From 3.89%
5 Yr Variable From 3.65%

Get Started
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Before You Renew Your Mortgage

Over 60% of Canadian mortgages are renewing between 2025 and 2026. 
Many homeowners accept their bank’s offer without comparing options. A mortgage broker can often find better rates or restructure your mortgage to reduce payments.

Trusted by Ontario Homeowners

See what clients say about working with Valko Financial.

"I am extremely grateful for all the help and support I received from my mortgage broker (Tracy Valko and her team) She was professional, responsive.She took the time to explain everything clearly, answered all my questions, and worked hard to find the best mortgage option for me. Her expertise helped me secure a great mortgage and save money. Beyond her professionalism, she is a very kind and caring person who made the entire experience much easier. I would not hesitate to recommend her to family and friends."

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REEM THAHER

REEM THAHER

4 days ago

Tracy and her team were recommended by our family members and what a great recommendation that was! As a first time home buyer, I was feeling overwhelmed. Tracy made this experience much more approachable - she was ready to listen to any questions we had and had responses/explanations that were thorough and easy to understand as someone who is unfamiliar with this world. Our realtor was also impressed with how quick and easy it was to work with this team. Can't recommend them enough!

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Mara Thorsteinson

Mara Thorsteinson

6 days ago

Working with Tracy was an outstanding experience from start to finish. She took the time to understand my situation, patiently answered my questions, and was always available whenever I needed guidance or clarification throughout the process. What impressed me most was Tracy's expertise as a mortgage broker. Her deep knowledge of the mortgage market helped me confidently navigate my options and choose the mortgage terms that were best for my situation. She explained everything clearly, offered thoughtful advice, and made what could have been an overwhelming process feel straightforward and manageable. On top of all of that, Tracy has a wonderful disposition – she is a genuinely positive person, who is just a pleasure to deal with. When I found my home, Tracy was excited for me, and her enthusiasm made the experience even more special. I'd also like to recognize her team member, Cindy, who was wonderful. She was friendly, responsive and organized, ensuring the administrative steps proceeded smoothly. I am truly grateful for the support, expertise, and care that Tracy and her team provided. I highly recommend her to anyone looking for a mortgage specialist that combines exceptional knowledge with a genuine commitment to client success. Thank you Tracy!

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Erin M

Erin M

6 days ago

I had another fantastic experience working with the Tracy Valko mortgage team-this is my third time trusting them with my business! They are incredibly knowledgeable and always answer my questions efficiently. This time, I worked closely with Tonya, who was absolutely amazing. She went above and beyond to ensure a smooth mortgage process. Her professionalism and dedication are unmatched. Highly recommend! - LP

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Aerie P

Aerie P

8 days ago

As first time home buyers, my wife and I had a lot of questions about the home buying and mortgage process. Tracy and her team were fantastic. They were attentive, available to answer all of our questions, and very professional. We also love Tracy's emphasis on helping her clients long-term, not just during the initial home buying process. I would absolutely recommend working with Tracy and her team!

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Matt Scanlon

Matt Scanlon

9 days ago

We had such a great experience working with Cindy throughout the home buying process. She took the time to explain everything clearly, answered all of our questions, and made what could have been a stressful process feel easy and manageable. Communication was always prompt and professional, and we always felt informed every step of the way. We really appreciated all of Cindy’s support and guidance and would highly recommend her to anyone looking for a knowledgeable and reliable mortgage broker!

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Stephanie Black

Stephanie Black

20 days ago

Let us help you renew with a strategy, not just a rate.

If your mortgage renewal is coming up in the next 6 to 12 months, now is the time to review your options. Many homeowners accept their bank’s renewal offer without comparing rates. Exploring other lenders could help you secure a better rate or lower your monthly payment before you sign.