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Valko Financial Ltd.

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What are the different types of lenders?

One of the biggest aspects of a mortgage is figuring out the best lender. Since every file is unique, a good mortgage broker will likely tell you there’s no “best” lender. Instead, it will be those unique qualities in your mortgage that will determine which lender you’re going to use. In a typical mortgage, there are three potential types of lenders: the big banks, credit unions and monolines. A Bank A bank is a financial institution that accepts deposits, lends money and transfers funds. They are listed as public, licensed corporations and have declared earnings that are paid to stockholders. A key point: they are regulated by the federal government-Office of the Superintendent of Financial Institutions. Everyone knows the big banks and they are considered to be trusted. If you decide to use a fixed-rate mortgage from a big bank, keep in mind the penalty to break the mortgage will …
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10 Tips for Dealing with the Limbo of Separation and Divorce

This is a guest blog written by Colette Fortin, Owner of Fairway Divorce Solutions Waterloo-Wellington. Being in limbo – not knowing where one will be in the near future, whether it’s 3 months or 3 weeks, has got to be one of the most stressful stages of any life change – and especially in separation and divorce. As human beings, we like to have a sense of control and security.  So when the human brain is under stress, the ‘fight or flight’ mode is fully engaged.  Our sense of equilibrium is shaky.  We can easily become emotionally hijacked and we don’t have access to our rational brain. So how do you calm the fearful ‘lizard’ brain when you’re passing through the limbo phase of a separation and divorce?  Here are 10 suggestions for getting through the next few months. 1. Regain some perspective – if only to recognize that your …
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Making 2018 Your Turnaround Year

It’s become a bit of a cliché to talk about resolutions at the start of the New Year. You’re going to be inundated with pitches to exercise more, “eat right” or pick up a new hobby. These resolutions start out with the best of intentions but ultimately most of us can’t manage to keep them. Within a few days or weeks, we’re back to our old habits. Perhaps only a psychiatrist knows why we can’t keep our resolutions. While giving up the sweets might seem like an impossible task, getting into some good financial habits at the start of the year is easier than you think. And there is no better time to look at what you might be doing right and perhaps wrong when it comes to your finances and make a change to see a more prosperous 2018. These are by no means brand new ideas but rather …
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Why use a mortgage broker?

While the banks can only offer you their own mortgage products, we have access to hundreds of options from Canada’s largest banks, credit unions, trust companies, and financial institutions.

Plus countless other reasons, let us explain more.

Why a Broker?

We are highly recognized and awarded.

We take great pride in our commitment to our clients and we have been recognized for it! See why we are the leaders in the mortgage industry.

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