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

OVER 1 MILLION CANADIAN MORTGAGES ARE RENEWING IN THE NEXT TWO YEARS

Mortgage Renewal Coming Up? Compare Your Options First

Most Canadians accept their bank’s renewal offer without comparing rates. See if you could save before you sign.

Mortgage Renewal Calculator

Estimate your new mortgage payment and explore your renewal options before accepting your bank’s offer. Our RenewalIQ tool helps Ontario homeowners compare scenarios and plan their next step.

Current Mortgage Rates

Rates vary by borrower profile and lender. Compare options from multiple lenders before renewing.

Example Rates:

3 Yr Fixed From 3.92%
5 Yr Fixed From 3.89%
5 Yr Variable From 3.65%

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Before You Renew Your Mortgage

Over 60% of Canadian mortgages are renewing between 2025 and 2026. 
Many homeowners accept their bank’s offer without comparing options. A mortgage broker can often find better rates or restructure your mortgage to reduce payments.

Trusted by Ontario Homeowners

See what clients say about working with Valko Financial.

Both Tracy and Samantha were professional and friendly to deal with. Tracy is very knowledgeable on all things related to the political climate and rates and offered assurances to me with respect to the variable rate I chose. There were a couple of hurdles along the way but Samantha was quick to respond and satisfy my concerns. I would highly recommend Valko Financial.

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Kimberley Murray

Kimberley Murray

5 days ago

Once again, the mortgage renewal process was seamless with the Valko Team. Even though things were left until the last minute on my end, they pulled through and met all the deadlines without issue. They secured a comfortable fixed rate that my family will truly appreciate until our next renewal. Thanks again to the entire Valko Team for the excellent service!

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James Loschnig

James Loschnig

7 days ago

Our agent demonstrated a deep understanding of options and made complex elements easy to complete. The process was smooth and prompt, always with proactive communication. This was an stress-free, pleasant experience from beginning to end.

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Jenn Robinson

Jenn Robinson

8 days ago

I had a really good experience with Valko Financial Santiago and his team during my mortgage process. They were super helpful from start to finish, always quick to respond and happy to explain things in a simple way so I actually understood what was going on. It made a process that can be pretty stressful feel a lot easier. What I liked most was how supportive and patient they were. No pressure, just solid advice and guidance the whole way through. Overall, I’m really happy I worked with them and would definitely recommend them if you’re looking for help with a mortgage.

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German Martinez

German Martinez

9 days ago

I recently used Valko Financial's services to renew my mortgage. I had an extremely positive experience overall. I was able to obtain a much better rate than the one offered by my current lender. The representatives I worked with were very thorough and answered all of my questions throughout this process. I consistently felt that they had my best interest at heart. I highly recommend their services!

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Stefana Karadjamirli

Stefana Karadjamirli

18 days ago

Our mortgage term was expiring and our current lender was increasing our current rate. We contacted Tracy once again to help us get the best rate/lender. We were provided with improved interest rates and our current lender was not willing to match even if it meant losing our business!! Tracy's team was willing to answer our questions and clarify details about our new offering even later in the night. This service was greatly appreciated and showed we were a valuable return client.

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Randy Bordon

Randy Bordon

8 years ago

Let us help you renew with a strategy, not just a rate.

If your mortgage renewal is coming up in the next 6 to 12 months, now is the time to review your options. Many homeowners accept their bank’s renewal offer without comparing rates. Exploring other lenders could help you secure a better rate or lower your monthly payment before you sign.