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.
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.
Mortgage Pre-approval
Get a clear picture of what you can afford and strengthen your offer with a personalized mortgage pre-approval.
Expert Refinance Guidance
Access better rates, consolidate debt, or free up cash flow by refinancing your existing mortgage.
Mortgage Renewal
Don’t just sign your renewal—let us shop around to help you find a better rate, term, or lender.
Reverse Mortgage
Tap into your home’s equity for retirement income while staying in the home you love.
Debt Consolidation
Simplify your finances and reduce monthly payments by combining high-interest debts into one manageable mortgage.
Mortgage Insurance
Protect your home and family with tailored mortgage insurance solutions that fit your needs.
Self-Employed Mortgages
We specialize in mortgage solutions for entrepreneurs and business owners, even with variable income or non-traditional documents.
First Time Buyer
Navigate your first home purchase with confidence through expert advice, education, and step-by-step support.
Credit Coaching
Improve your credit score and financial health with one-on-one guidance and personalized strategies.
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.
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.
Divorce or Separation
Navigate financial transitions with clarity and compassion—whether buying out a partner or restructuring your mortgage.
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.
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.
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
Executive Account Manager / Mortgage Broker #M19001247
Matthew Shepherd
Underwriting Manager / Mortgage Broker #M21001910
Cindy White
Senior Underwriter / Mortgage Agent Level 2 #M18001815
Samantha Ratz
Client Success & Compliance Manager / Mortgage Agent Level 1 #M21000867
Connor Stroh
Senior Growth & Revenue Operations Manager
Meghan Valko
Operations Associate
Brendan Valko
Marketing Director
Reviews From Our Clients
I recently met with Tracy Valko to review my house mortgage as I was about to enter retirement. I left that meeting feeling very at ease and satisfied that my concerns and needs were not only well take care of with a new plan of attack, but also in that emotionally, Tracy left me feeling acknowledged and appreciated for how my income stream was about to change in ways I had never experienced. I would recommend Tracy and her team for any mortgage planning and in fact, any financial planning period.
Read moreCraig Dubecki
4 days ago
Adding to my review as it has been 8 years since first working with Tracy for home financing. I recently went through the renewal process with Tracy and had again a wonderful experience. Tracy really helps me to understand every step of the process in a way that is not intimidating or overwhelming. She has built my confidence in understanding home financing and how to educate myself for making the best decisions. Tracy and her team are approachable and available and I have never had a question go unanswered. They are knowledgeable and efficient and I really working with this team. Thank you Tracy and team!!! I had the pleasure of working with Tracy to obtain financing for my first home. Being new to the housing market was intimidating, however Tracy made me feel comfortable and allowed me to ask as many questions as needed. Tracy is very knowledgeable about the field she works in, and I truly felt like she was looking after my best interest and providing me with helpful support. I have since referred other friends purchasing their first home to Tracy as I know they are in good hands! Thanks Tracy!
Read moreLindsay H
8 years ago
Switching brokers was the best decision I could have made. Tracy and her team are truly wonderful. They patiently answered all of my questions—and there were many—while guiding me through every step of the process to ensure I was fully informed. A special shout-out to Samantha for her incredible support! I felt valued throughout the entire experience and know I am in excellent hands with Valko.
Read moreAmanda G
5 days ago
We had the pleasure of working with Samantha Ratz from Dominion lenders. She was truly amazing from start to finish. Samantha helped us get the best rate possible and kept us informed as the market changed. If we needed anything from her she was always just a phone call away anytime of the day. We would highly recommend the team of Tracey Valko at dominion lenders they will go that extra mile to get the job done and get your and family in your forever home.
Read moreChanel Savory
26 days ago
Jim Hergott
29 days ago
C B
1 month 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.
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