FSRA# 13047
Valko Financial Ltd.

Honesty Integrity
Commitment Professionalism

Tel: 519-745-8019
Cell: 519-722-4175
Toll Free: 1-844-745-8019
Fax: 519-745-9437

Tracy Valko

Principal Mortgage Broker/ Founder

Tracy has been a pillar of service and inspiration to the finance and mortgage industry for more than twenty-five years.  Her professional foundation has been built on heart-centred leadership, honesty, integrity, commitment and professionalism.

Over the last two decades she has served clients right across Canada while cultivating beautiful relationships with the people and communities surrounding her Kitchener, Ontario office.

Tracy is a proud Accredited Mortgage Professional (AMP) member of Mortgage Professionals Canada, which is a national association of mortgage professionals dedicated to establishing and maintaining high standards, ethics and professionalism in the mortgage industry.  She served three years as Executive Secretary on the MPC Board and continues to be a Champion member and advocate for fair mortgage practices across Canada.

For the last several years in a row, Tracy and her team have hosted hugely successful community events, such as “The Family Day Skate”, “Christmas Charity Event” as well as participating regularly in staple community initiatives, bringing our community together with several of our choice-charities (KW Humane Society, Waterloo Region Down Syndrome Society, The Food Bank, Child & Family Services, and more), local schools, sports groups and they regularly feature young entrepreneurs from the community.

Tracy has been recognized several times locally and provincially for her contributions and enduring support in giving back to the community and setting a shining example for others in the industry.

Her award-winning team of devoted underwriters, executives and support staff are always working behind the scenes to create an exceptional experience for the client, providing them with financial solutions that are catered to their individual and long-term needs.

Two years ago, Tracy expanded her vision to include founding Valko Financial Ltd., and now manages more than 30 professionals across Canada and a second office on the West Coast.  Named “Best New Brokerage of the Year” by the Mortgage Awards of Excellence in 2020, Tracy and her team consistently place in the Top 10 on the Dominion Lending Centres National Top Performers’ Report.  Tracy is among the top .4% within DLC, ranking her in the among the top three professionals in Canada (which has over 3,600 agents.

In 2017 Mortgage Professionals of Canada awarded Tracy the Broker of the Year.  In 2019 she was named among the Global 100 List with Mortgage Professionals of Canada. In 2020 she and her brokerage received the Best New Brokerage from the Mortgage Awards of Excellence.  She was also indicted into the Canadian Mortgage Professional’s Hall of Fame in 2020 and recently made the Mortgage Professionals of Canada’s Top 75 Mortgage Broker list for the fifth year in a row.  

Tracy and her team are the proud recipients of the Consumer Choice Award for Favourite Mortgage/Lending Company in Kitchener-Waterloo and Cambridge for the last six consecutive years! Cambridge Chamber of Commerce also recognized them for Marketing Excellence in 2021.

Tracy has co-authored two books, and continues to publicly advocate and speak on issues relating to mental wellness and suicide prevention.

When she’s not at the office, you’ll find Tracy at the barn with her daughter Meghan & (her newest obsession) Winston (Perfect Dream), or wading up the (Grand) river with her son Brendan.  She loves reading, running, meditating, dunking herself in ice baths, or just enjoying a nice quiet moment with her husband Bruno and Tess (their fur-baby) at home.

“I believe that heart-centred leadership is the ability to make things happen by inspiring and encouraging others, creating a catalyst for safety, authenticity, kindness, truth and excellent service”.

 – Tracy Valko (2021)

Tel: 236-880-2057


Suzanne Fleur de Lys - Aujla, AMP

(She, Her) – Vice President – Growth, Strategy & Operations 

Hi, I’m Suzanne, and I have skillfully mastered the art of creating inviting, safe environments, building strong connections where authentic communication flows, and assisting mortgage brokers so that they can make positive transformations in both their lives and careers.

I deliver a guided system to help my clients become more intentional and get clear on their goals, so they can create the earnings and lifestyle of their dreams. I specialize in working with clients who have struggled with a variety of challenges including, loss of confidence, low self-esteem, procrastination, distraction & disorganization, fear of failure or success, and much more.

My life experiences include working for a bank and as a former entrepreneur in the mortgage industry has equipped me with an abundance of empathy and a genuine understanding of the people I serve. My collaborative approach and passion for people have resulted in consistent, excellent outcomes for many, earning an exceptional reputation in the industry.

In 2018 I was honored to receive the MBABC Award for Community Service for my participation in organizations such as:

Co-Founder, Women in the Mortgage Industry (WIMI). WIMI is an online forum of 4,000+ members nationally. It’s a place where women celebrate each other’s successes and encourage each other to get more involved as industry professionals and women leaders to help transform the landscape of mortgage brokering and lending in Canada. WIMI quickly became an industry movement after its launch in 2014, with regular events and gatherings scheduled from coast-to-coast. WIMI won the CMA Best Industry Service Provider Award and the AMBA Innovation Award.

Was Co-Founder & Vice Chair, BC Lender’s Group. This organization of lenders supports mortgage brokers provincially and is committed to giving back to the industry.
Executive Director, Treasurer of Canadain Mortgage Broker Association, Mortgage Professionals Chapter Committee Member, Mortgage Professionals Conference Committee, Mortgage Professionals, Nominations Committee from Mortgage Awards of Excellence

Created a dynamic, collaborative network that supports brokers and borrowers through education, mentorship, and community. This resulted in winning the prestigious MPC Michael Ellenzweig Award for Outstanding Service.

Co-Active Coach

Mortgage Broker with DLC & Invis

Equitable Bank Bank Business Development manager

Industry Icon – 2020, 2020 – BDM of the Year Finalist Award, 2020 Women of Influence in Canada, 2019 Lender BDM of the year Finalist, 2018 CMP Hotlist, 2017 Women of influence,

Tel: 289-242-8820


Cindy White

VP of National Underwriting

Hi, I’m Cindy. I’ve been working in the mortgage industry for over 38 years and joined The Valko Team in March 2019.

Early in my career, I was recognized for my ability to align and integrate people, processes, and resources. With 30+ years of leadership under my belt, including roles as a Vice President, Director, and Partner in sales, marketing, product development, program management and operations I have yielded impacts throughout the financial services, consumer leasing, and management consulting industries.

I have made it my mission to establish a culture of Client Service Excellence. I enjoy collaborating and communicating with executives, thought leaders, committee members, and business partners.

I love to snowboard, ski, mountain bike, kiteboard, wakesurf, hike, golf, and when the weather allows, you’ll find me riding my motorcycle with my husband.

I enjoy working from anywhere in the world thanks to modern conveniences and technology. After 34 years on Bay Street I am happy to call Blue Mountain home.

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