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

Unlock Your Dream Home Today

Discover personalized mortgage solutions tailored to your needs. Let Valko Financial Ltd guide you towards owning your dream home with expert advice and seamless service.

The Valko Way

Unlock Exceptional Mortgage Services

We’re a team of mortgage professionals committed to helping Canadians build financial confidence. 

Whether you’re buying your first home, renewing, refinancing, or investing, we offer personalized solutions and expert guidance every step of the way. Let us connect you with the right mortgage to support your goals—online or in-person.

Competitive Rates

We work with a wide network of trusted lenders to access exclusive rates—ensuring you get the best deal for your unique situation.

Personalized Advice

Unlike banks, we work for you. Every recommendation we make is tailored to your financial goals and life stage.

Peace of Mind

As licensed mortgage professionals, we follow strict industry ethics and are committed to transparency, trust, and long-term support.

Speed & Convenience

Your time matters. We offer flexible appointments and a streamlined process that works around your schedule—online or in-person.

Protect Your Credit

Too many lender inquiries can hurt your credit. We use a single credit check to help you compare options without affecting your score.

Pre-Approval Confidence

Whether you’re buying or refinancing, we’ll walk you through a clear and easy pre-approval process so you know exactly what to expect.

Unlock Your Dream Home or Investment

Valko Financial Ltd simplifies the mortgage process, helping Canadians secure the best deals with ease. Our expert brokers guide you every step of the way, ensuring a stress-free journey to homeownership. Discover competitive rates and personalized service today.

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Guiding You Through Every Stage of Life

We offer personalized advice and solutions tailored to where you are—and where you’re going. Whether you're buying your first home, growing your family, navigating a life transition, or planning for retirement, we're here to support you every step of the way.
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Mortgage Pre-approval

Get a clear picture of what you can afford and strengthen your offer with a personalized mortgage pre-approval.

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Expert Refinance Guidance

Access better rates, consolidate debt, or free up cash flow by refinancing your existing mortgage.

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Mortgage Renewal

Don’t just sign your renewal—let us shop around to help you find a better rate, term, or lender.

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Reverse Mortgage

Tap into your home’s equity for retirement income while staying in the home you love. 

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Debt Consolidation

Simplify your finances and reduce monthly payments by combining high-interest debts into one manageable mortgage.

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Mortgage Insurance

Protect your home and family with tailored mortgage insurance solutions that fit your needs. 

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Self-Employed Mortgages

We specialize in mortgage solutions for entrepreneurs and business owners, even with variable income or non-traditional documents.

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First Time Buyer

Navigate your first home purchase with confidence through expert advice, education, and step-by-step support. 

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Credit Coaching

Improve your credit score and financial health with one-on-one guidance and personalized strategies.

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Commercial Mortgage

Our experts provide customized financing for your business property needs. We develop the best mortgage strategy, ensuring your investment aligns with your financial goals.

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Retirement Strategy

We provide personalized strategies to maximize your savings and ensure long-term peace of mind. Let us guide your transition into your golden years with confidence.

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Divorce or Separation

Navigate financial transitions with clarity and compassion—whether buying out a partner or restructuring your mortgage. 

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New To Canada

We guide newcomers through the mortgage process, ensuring they find the right fit. Our team provides expert advice to help new Canadians achieve their homeownership goals with ease.

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Buying or Selling a Home

Whether you're upgrading or downsizing, we’ll guide you through the buying or selling process with confidence and care. 

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Meet Our Founder
Tracy Valko

With nearly 25 years in the mortgage industry, Tracy Valko is a nationally recognized broker, entrepreneur, and passionate advocate for financial wellness. As the founder of Valko Financial, she leads with compassion and clarity—helping clients navigate everything from first homes to life transitions. Named a CMP Woman of Influence and one of Canada’s Top 75 Brokers, Tracy is known for going beyond the mortgage to empower her clients every step of the way.

Your Mortgage Support Team

Santiago Agudelo

Santiago Agudelo

Executive Account Manager / Mortgage Broker #M19001247

Matthew Shepherd

Matthew Shepherd

Underwriting Manager / Mortgage Broker #M21001910

Cindy White

Cindy White

Senior Underwriter / Mortgage Agent Level 2 #M18001815

Nikki Szczygiel

Nikki Szczygiel

Underwriter / Mortgage Agent Level 2 #M15001457

Samantha Ratz

Samantha Ratz

Client Success & Compliance Manager / Mortgage Agent Level 1 #M21000867

Connor Stroh

Connor Stroh

Senior Brokerage Operations

Meghan Valko

Meghan Valko

Client Experience Specialist

Daniela Salazar

Daniela Salazar

Marketing Director

Brendan Valko

Brendan Valko

Brand Marketing Associate

Reviews From Our Clients

My boyfriend and I used Valko Financial to buy our first house together! We had an awesome experience with Nikki as our mortgage broker! She was prompt, friendly and very professional! She made the process very easy to understand, took her time and was attentive with any inquiries!! Nikki and the Valko team made the experience really good!

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Stephanie Moni

Stephanie Moni

4 days ago

Dealing with Tracy Valko , specifically Cindy White, is always a pleasure. This team is knowledgeable and always quick to answer questions. We trust working with this team and would recommend them to anyone seeking a mortgage broker! Thank you Cindy for your help on our 2025 renewal!

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Tanya Vlahovic

Tanya Vlahovic

6 days ago

Amazing experience provided by Cindy White, went out of box to help and solve issues.

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Setul Macwan

Setul Macwan

10 days ago

Cindy White has helped us with our first home mortgage. She is excellent at finding the best fit and has walked us through whole buying process at her best! We highly recommend her for home mortgage

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Bridgeeta Rathod

Bridgeeta Rathod

12 days ago

If you’re looking for a trustworthy, Knowledgable, Experienced Professional, I highly recommend Valko Financial. Our agent, Cindy walked us through the whole process & it went seamlessly.

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Heidi ryan

Heidi ryan

16 days ago

5 Stars! Definitely would recommend! As a first-time homebuyer, I was overwhelmed by the entire process, but they made everything stress-free. From consultation to closing day, they were professional, and knowledgeable. I found it great how they continued to find me the best interest rate until the closing date on my house. I am now a proud homeowner! And can't thank them and my real estate agent enough. **Highly recommend!** 🔑✨

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Ian Craig

Ian Craig

17 days ago

Secure Your Dream Home Today

Partner with Valko Financial Ltd for tailored mortgage solutions that fit your needs. Our expert brokers in Kitchener are ready to guide you every step of the way.

Stay Connected & Informed

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