Valko Financial Ltd

Flexible for Life’s In-Between Moments

Not quite ready to buy? Whether you’re building credit, navigating a life transition, or exploring alternatives to traditional homeownership, leasing can provide the flexibility you need—without the long-term commitment of a mortgage.

At Valko Financial, we’ll help you understand your leasing options and guide you toward a solution that fits your current lifestyle, while supporting your future goals.

Leasing can be a smart move if you’re preparing to qualify for a mortgage, relocating for work, or recovering from a major life change like a separation. It’s also a great option for newcomers to Canada or self-employed individuals working to establish a financial profile. In some cases, lease-to-own programs can even help you secure a property now with the option to buy later.

If you’re not quite ready to purchase but want more stability than renting, we’re here to help you take the next right step—on your terms.

Can I lease a home with poor credit?

Yes, leasing is often more accessible than qualifying for a mortgage—especially if you have poor or limited credit.

Many landlords and leasing programs understand that life happens, and they may consider factors beyond just your credit score—like your income, employment, rental history, or a co-signer. Some lease-to-own options are even designed specifically for individuals who are working on rebuilding their credit while preparing to buy in the future.

Do lease payments build equity?

n a traditional lease, your monthly payments go toward rent only, and do not build equity in the property.

However, if you're in a lease-to-own agreement, a portion of your payments may be credited toward a future down payment or purchase price—depending on the terms of the contract. This can be a great way to work toward homeownership while you're building credit or saving.

What do I need to qualify for a lease?

To qualify for a lease, you’ll typically need to provide a few key pieces of information to show you’re financially responsible and able to meet monthly rent payments. Requirements may vary by landlord or leasing program, but generally include:

  • Proof of income (recent pay stubs, job letter, or tax returns if self-employed)
  • Government-issued ID
  • Credit report or consent to a credit check
  • Rental history or references from previous landlords
  • First and last month’s rent (sometimes a security deposit as well)

If your credit is poor or limited, you may still qualify with a co-signer or by providing additional financial documentation.

This is the second time dealing with Valko Financial and we are so glad we did. We as Seniors are very grateful, impressed, and relieved to have dealt with the Valko team who advised us and used their professional expertise to secure our new mortgage. Interceeding on our behalf to iron out any challenges during the process to ensure an excellent result. All of this was done with a friendly informative and unintimidating manner. I would definitely highly recommend you give them a call for your financial needs.

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Susan Kormylo

Susan Kormylo

4 years ago

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

1 month 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

1 month ago

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

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Setul Macwan

Setul Macwan

1 month 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

1 month 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

1 month ago

Let’s create a plan that meets you where you are.

Life isn’t always linear. Whether leasing is your first step or a temporary solution, we’re here to support your journey — with compassion, clarity, and a custom plan.