FSRA# 13047
Valko Financial Ltd.

Honesty Integrity
Commitment Professionalism

The Valko Team is the WINNER for “The Best Mortgage Broker in Kitchener”

“We have awarded Dominion Lending Centres – The Tracy Valko Team as The Best Mortgage Broker in Kitchener for 2021. An overall quality score exceeding 95% was achieved, making them the top ranked in Kitchener.” -Quality Business Awards We are proud to announce that The Valko Team has been recognized as The Best Mortgage Broker in Kitchener by the Quality Business Awards! The Quality Business Awards recognize businesses that achieve an average quality score of 95% or greater over the previous 12 months. A heartfelt thank you to the Quality Business Awards for this amazing recognition! It is milestones like these that push us to keep improving our mortgage financing services. Click here to check out out our listing on the website!

What will happen next with Canada house prices?

Original Source:  Mortgage Broker News With the rate of homebuying in Canada cooling in recent weeks and house prices having declined nationally for two consecutive months, there’s been much conversation around the questions of whether bidding wars will die down and prices will continue moderating. While some believe that the federal government’s action on the mortgage stress test rate has had its desired effect – easing the trend of frenetic bidding far above list price – others in the mortgage industry have seen little evidence of that change in their markets. Tracy Valko (pictured), principal mortgage broker and owner of the Kitchener, ON-based Valko Financial, told Mortgage Broker News that the pace of bidding remained relentless in that region, continuing to expose what she said was a significant supply issue in the housing market. “What the government was looking to do in slowing down the market, and in trying to …
Continue reading

Valko Financial Ltd. Goes National with Heart-Centred Leadership

We are incredibly honoured by all the love and support we’ve been receiving from our amazing industry (and beyond!).  See the latest issue of Mortgage Broker News for a taste of what we’ve got cooking! *special thanks to Rachel Major for the artwork – we love it!   Original Source:  Mortgage Broker News After more than a decade of accomplishments and growth as a top-producing mortgage broker in Kitchener (Ontario), Tracy Valko founded Valko Financial Ltd. in 2018 to share her passion and principles for excellence in service with a team of like-minded, community focused professionals. Valko Financial Ltd. started small, but always had mighty potential and results because of the individuals who believed in serving the clients and community with honesty, integrity, commitment, and professionalism. Great minds think alike, and heart-centred people gravitate to each other, so it’s no big surprise that even with three provinces between them (about …
Continue reading

Support Local This Easter Weekend

While people may be celebrating Easter a bit differently this year, there are still ways that you can support local businesses in a safe manner. Here are some great local bakeries in Kitchener-Waterloo to order some Easter-themed treats! Winnie’s Gluten-Free (519) 590-2769 winniesglutenfree.com Located in Belmont village, Winnie’s GLuten-Free is the perfect choice for delicious, gluten-free desserts. Head over to their website or give them a call to place your order! Debrodniks Donuts debrodniks.ca This local favourite is offering a special Easter menu until April 4th. Check it out on their website while supplies last! Norris Bakery (519) 742-0564 norrisbakery.com Norris Bakery was established in 1943 by Albert Norris.  The Bakery was owned and operated by the Norris family till 2000 at which time the Bakery was sold to the lead baker who has operated the Bakery since 2000. Norris Bakery strives to provide our customers with homemade quality baked goods, made …
Continue reading

Tracy Valko Nominated as RBC Woman of Influence

We are thrilled to announce Tracy Valko has been nominated as an RBC Canadian Woman of Influence! RBC Canadian Women Entrepreneur Awards is the premier national awards program for celebrating the acheivements of the most successful in this inspiring group.  For 29 years, the awards have shone a spotlight on Canada’s most accomplished and impactful women who have demonstrated excellence – from economic growth to social change, from global reach, across multiple sectors. For more information about the awards or to nominate someone please visit RBC Women of Influence. Learn More    

Support Local on St Patrick’s Day

While people may be celebrating St. Patrick’s Day a bit differently this year, there are still ways that you can support local businesses in a safe manner. Here are some great local restaurants to order from for today’s festivities! McCabe’s Irish Pub and Grill Kitchener (519) 743-3400 mccabeskitchener.com Waterloo (226) 647-5321 mccabeswaterloo.com “Irish pubs in downtown Kitchener and Uptown Waterloo where you can enjoy some traditional Irish grub and yummy pub fair. McCabe’s is the perfect mix between Irish tradition and local flair with a friendly atmosphere and always a warm bar stool. During the day it’s more laid-back, ideal for grabbing lunch and caffeine fixes.” Malt and Barley Public House (519) 745-6460 maltandbarley.ca “There’s no better way to celebrate Paddy’s Day than with a 3-course meal from your local pub! Order a 3-course Irish feature that includes mulligatawny soup, lamb stew, Irish car bomb puddin’ & more! Plus, there …
Continue reading

Kitchener is The 8th Most Expensive City for Rent in Canada

Image via Padmapper According to a recent study by Padmapper, Kitchener is one of the most expensive cities to rent in Canada. The report shows that the average rent for a one-bedroom apartment in Kitchener is $1,390, positioning them at 8th place in the nation. For a two-bedroom apartment, the average rate of rent is $1,670. This is up two positions from a previous report which shows that rent is increasing at a rate of 5.3% every year. Kitchener comes in just ahead of Hamilton and Montreal on the list. Rounding out the top three is Burnaby, Toronto, and Vancouver. For the full report from Padmapper, click here.

Tracy Valko Blue Monday

On this #bluemonday, I know that more people than ever before are feeling the need to connect

On this #bluemonday, I know that more people than ever before are feeling the need to connect. Reach out today, and then reach out again tomorrow. When we #connect and #share, we make change and #growth possible.   It’s not just today that that we should talk about #mentalwellness as part of the #entirepicture. Being human is hard, and we could all try a little harder …. #surrenderyoursilence #howcanihelp #valkoculture #valkofinancial #teamblue #dlc #mortgagebroker #thevalkoteam #hereforyou #elitelevelsupport

Canadian flag with blue sky background

Canadian Real Estate Association December 2020 National Statistics

National Statistics Record December caps record year for Canadian home sales Ottawa, ON, January 15, 2021 – Statistics released today by the Canadian Real Estate Association (CREA) show national home sales set another all-time record in December 2020. SUMMARY: National home sales rose 7.2% on a month-over-month (m-o-m) basis in December. Actual (not seasonally adjusted) activity was up 47.2% year-over-year (y-o-y). The number of newly listed properties climbed 3.4% from November to December. The MLS® Home Price Index (HPI) rose 1.5% m-o-m and was up 13% y-o-y. The actual (not seasonally adjusted) national average sale price posted a 17.1% y-o-y gain in December. Home sales recorded over Canadian MLS® Systems jumped by 7.2% between November and December to set another new all-time record. (Chart A) Seasonally adjusted activity was running at an annualized pace of 714,516 units in December 2020 – the first time on record that monthly sales at seasonally …
Continue reading

Population of Kitchener-Cambridge-Waterloo increased by 50,000 over past 5 years: StatCan (Global News)

Original Source:  GLOBAL NEWS The combined population of Kitchener, Cambridge and Waterloo is estimated to have grown by 50,000 people over the past five years, according to a report released by Statistics Canada on Thursday. It estimated the population of the tri-cities to be at 593,882 last July, more than 50,000 above the total of 542,034 it estimated for 2016. READ MORE: What Canada’s population will look like in 2036 The three cities grew at a rate of two per cent over that period, which tied them with Halifax for second-fastest in Canada. Oshawa was atop that list and like Kitchener-Cambridge-Waterloo, the CMA figures some of that growth has come from Toronto, where 50,000 people left between July 2019 and July 2020. “The desire to live outside the largest urban centres was also reflected in the rapidly increasing housing costs in neighbouring real estate markets, a trend that has continued in spite of the pandemic,” the report read. …
Continue reading

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.