FSCO 13047
Valko Financial Ltd.

Earn $200!

Refer a client and receive a $200 gift card.

Contact UsFor more details

Honesty Integrity
Commitment Professionalism

Truth Builds Trust

What our customers
are saying

Read All Testimonials

Why choose
The Valko Team?

Honesty, Integrity, Committment & Professionalism

Hi, I’m Tracy. I’ve been in the finance and banking business for 25+ years. For the past ten years, I’ve been a mortgage broker specializing in the Kitchener-Waterloo area. Thanks to my passion for mortgage brokering, coupled with my dedicated team and loyal clients, I’m recognized by Canada Mortgage and Housing Corporation as a leading mortgage expert in my market. As well, three top lending institutions have awarded me with “status levels”, which means my clients receive preferred pricing as a result of the high volume of annual mortgage business I fund with these lenders. I consistently place in the Top 10 on the Dominion Lending Centres National Top Performers’ Report. I pride myself on my high level of mortgage knowledge, professionalism and experience, which translates into providing my customers with mortgages that are competitively priced and have features that best meet their unique needs.

I have a Bachelor of Arts degree from York University, a mortgage brokering license from Seneca College and I’m a proud Accredited Mortgage Professional (AMP) member of Mortgage Professionals Canada. Mortgage Professionals Canada is a national association of mortgage professionals dedicated to establishing and maintaining high standards, ethics and professionalism in the mortgage industry.

I opened my first professional office location in the Williamsburg Town Centre nine years ago, and I manage a group of four mortgage professionals, who are set to collectively fund nearly $80 million this year. I’m the proud recipient of the Consumer Choice Award for Favourite Mortgage/Lending Company in Kitchener-Waterloo and Cambridge for 2016, 2017, 2018, 2019 and 2020!

I have always remained focused on doing what it takes to run a successful business while also spending as much time as possible with my husband and two kids.

I pride myself on forging a long-term relationship with each client so that I become part of their life’s journey – regardless of whether they’re looking to purchase their very first home or move to another location, buy a vacation or investment property, or refinance or renew an existing mortgage. Whatever path my clients choose, I’m there to provide financial advice to ensure they always have the right mortgage suited to their unique situation. Providing strategies for my clients to optimize their hard-earned money throughout their lives as mortgage holders is my top priority.

Read More

570 News Expert

Tracy Valko is a recognized expert on 570 News’ Ask the Experts! Have questions about mortgages, finanaces, and more? Tune in or watch our previous segments to have all of your questions answered.

Watch Previous Episodes

The Valko Team is very proud to announce that Tracy has become a member of Mortgage Professionals Canada!  Mortgage Professionals Canada works as the voice of Canada’s mortgage broker channel, and to be the leading authority on mortgage issues. They are a leader in our industry for education and leadership!

As of late, Mortgage Professionals Canada, along with Mortgage Brokers, Agents and other industry professionals have been advocating against the recent guideline changes made to mortgage lending.  They are working to lessen these restrictions, and help to normalize the real estate market that we are seeing today, making it easier for you to get the house of your dreams!

Recent Blog Posts

View more from the blog

Fixed or variable? Revisiting the debate amid low rates

Courtesy of The Globe and Mail (Print Edition) For many consumers, the comfort of a fixed payment is worth the slightly higher interest costs, experts say Mortgage shoppers looking for the best rates this fall are also asking whether it’s best to go fixed or variable in the continued low interest-rate environment brought on by the economic fallout from the COVID-19 crisis. While rates that fluctuate with the market interest rate tend to win over those that are fixed for the duration of the mortgage term, experts say there’s no onesize-fits-all answer. “This topic is very personalized to each person’s own unique situation,” says Tracy Valko, principal mortgage broker and owner of Valko Financial Ltd. in Kitchener, Ont. “Mortgage products need to meet the needs of the client and what’s best suitedfor them.”     Ms. Valko, who is secretary of Mortgage Professionals Canada, an industry association of mortgage brokers, …
Continue reading

CMHC Makes It Harder To Qualify For An Insured Mortgage

Once again, the Canadian Mortgage and Housing Corporation (CMHC) is tightening the criteria to get a mortgage with less than a 20% down payment. Any potential home buyer with less than a 20% down payment must purchase default insurance on their loan and have a minimum down payment of 5%. CMHC is a federal Crown Corporation that provides such default insurance. Its mandate is to help Canadians access affordable housing options. Providing mortgage insurance to home buyers is one of its main activities. Mortgage default insurance protects lenders in the event a borrower ever stopped making payments and defaulted on their mortgage loan–a very infrequent occurrence in Canada. There are private providers of default insurance as well–Genworth Financial Canada and Canada Guaranty. CMHC is the only insurer of mortgages for multi-unit residential properties, including large rental buildings, student housing and nursing and retirement homes. It is the largest provider of mortgage default insurance by far …
Continue reading

Ontario shuts schools until September because of COVID-19 pandemic

Overnight summer camps are also cancelled, province confirms CBC News · Posted: May 19, 2020 7:58 AM ET | Last Updated: 8 hours ago   Ontario Premier Doug Ford announced Tuesday that the province is cancelling in-person learning for the school year because of the COVID-19 pandemic. “The safety of our children is my top priority,” Ford said. The province said in a news release that the decision was made after consultation with the chief medical officer of health and an assortment of medical experts.  “We cannot open schools at this time,” Ford said. “I’m just not going to risk it.” Ford told reporters that learning will continue online. The province said in its news release that all students “who were on track to graduate” from high school before schools were shuttered in March will be able to graduate, and all students will receive report cards. Education Minister Stephen Lecce said a full plan for reopening the …
Continue reading

Ontario Announces Additional Workplaces that Can Reopen

Additional seasonal, retail and household businesses must follow public health guidelines May 14, 2020 1:30 P.M. Office of the Premier Original Source:  NEWSROOM ONTARIO TORONTO — Today, the Ontario government announced the retailers, seasonal businesses and health and community service providers who will be permitted to open or expand their services on Tuesday, May 19, 2020 at 12:01 a.m., provided that the general trend on health indicators continues to improve as part of the first stage of the government’s reopening framework. The workplaces opening as part this stage are well-positioned to put workplace safety measures in place and get more people back to work, while not overburdening public transit and other services. The government also announced additional seasonal services and activities will be permitted to open as early as Saturday May 16, 2020 at 12:01 a.m., in time for the Victoria Day long weekend, as key public health indicators continue …
Continue reading


Community Involvement

Your #1 Award Winning Mortgage Team is Heart Centred,
Community Strong! Every year we support a number of local initiatives.

Our Leading Services

Mortgage Renewal Reminder

Here at The Valko Team, we pride ourselves on being your industry leading experts that can find you the best product to fit your needs – with a great rate! Sign up below to be reminded 120 days before your renewal date so you can lock in the best rate available.

     

     

     

    Your renewal date:

    Please note: You will receive an email after submission confirming your enrolment to our reminder system.

    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.

    Learn More

    Request a call

    Please provide the best time to call so we can ensure that we schedule your call at a time when we can reach you.