FSRA# 13047
Valko Financial Ltd.

Honesty Integrity
Commitment Professionalism

Most Recent Google Reviews

Tim K.

Tracy, I really appreciate all you did to help out with my recent mortgage renewal.  It’s nice to know I have such a knowledgeable professional to advise and assist me in the process.

Richard L.

When dealing with Tracy, you are dealing with a broker who is honest and trustworthy giving all of her clients the experience of a professional who goes beyond what any bank does for financing.  She is there every step of the mortgage proceedings to provide support and direction.  I have no reservations in recommending Tracy to anyone and hold her commitment to her clients in very high regard.

Marilyn L.

Everything with our mortgage so far is going well. Thank you again for being there for me when I needed you. Bless you and your staff. 


G. Terry H.

Thank You for everything Tracy.  [The lawyer] you referred is a gem. I could do business with her anytime. She is by far the best part of that lawyer group.

I will continue to endorse you  and look forward to 5 years from now

Judy W.

Thanks so much for your help.  I greatly appreciate everything you and your team did for me to get my life back on track.  Enjoy your day!


Kirstie and Colby

We appreciate your help and you were a pleasure to work with.  Everything is going great with our new mortgage!


Jennifer Breithaupt
Breithaupt Law

Just a quick note to say that I really appreciated this month’s newsletter – it didn’t occur to me that Banks would fail to offer their best rate to long-term customers, and therefore like four out of ten Canadians, I wouldn’t think to ask for a better rate than the first one offered.  I can tell you that I will be referring any renewals of which I become aware to you to help my clients get the best possible product and the best possible rate.

Carl Gardiner

Alicia and her team at Tracy Valko[‘s office]  has opened my eyes on the mortgage world and big banks vs small lenders, they and all very knowledgeable and friendly. I have not had the best experience with the Big Banks and there horrible customer services. Not only did they make the transaction smooth but got me a better rate. When there was a small issue Alicia took it as a big issue to take the time to make it right and fixed it right away putting us as the customer first.


Qasim and Anila Khan

Today I received the key to the house.  I take this opportunity to thank you and your team for all the efforts.  Wish you more awards on your wall and a fulfilling life.


Hi Tracy
Now that the dust has settled from our crazy home closing, Adam and I would like to extend our thanks to you and all the time and hard work you put in to helping us out.

You will be happy to hear that the day before our closing we got an offer on the condo and sold it! What timing! Either way, we are still happy with the mortgage you were able to get for us.

Thank you again for everything you did! We really appreciate it!



Tracy is a very passionate individual, very keen on providing the best possible customer service at all times. She will go out of her way to look out for you and I know that I can trust and am absolutely safe with her whenever I deal with her. She is indeed an inspiration and we need more professionals like her to make our world a better place

Best of luck!!


Susan Dubecki

Hi Tracy,

I simply wanted to say thank you for all the work you did in helping us close our recent mortgage. We were referred over by our friend Jim and were not disappointed from all the good things he said about you.

As a first time homebuyer we were limited to our knowledge and what to expect. I must say that you made the process seamless and worry free!! We felt comfortable and well educated at the end of the process.

This is the type of service I strive to deliver to my own customer’s every day.

I can definitely see that we will be doing more business in the future.

All the best!! “

Lindsay Roedding

Tracy Valko was recommended to me by both family and friends when purchasing a home in June 2009. Tracy met with me on several occasions and took the time to explain the pros and cons of each decision that needed to be made. With her knowledge and advice Tracy guided me through the process to fruition efficiently and with great ease.

Tracy’s assistance enabled me to make an informed decision that I am extremely happy with today.

Tim K

Really appreciate the excellent job you did on my behalf for this.  You made it simple and painless.



We have been using your mortgage service for 3 periods, and we are 100% satisfied with your mortgage service. We will continue supporting your business by referring potential customers to you.

Many thanks for your service and help,

Jeanette and Jason L.

We just want to thank you for making this process very easy.  We had a very bad experience with another mortgage broker when we first bought our house so we were very skeptical but everything went smoothly and closed on time with no issues!  We really appreciate that. 

Thank you again.

Linda and Brandon T.

Everything went well, and is going smooth.  We love our new home!  We appreciate your hard efforts in making our first home a reality on such short notice.

Kasif and Uzma

Dear Tracy and Team, 

Uzma and I would like to thank your whole team in making our current and previous mortgage experiences seamless and happy ones. We both appreciate the pleasant atmosphere, top notch and timely customer service at your office. Your role as our mortgage expert instills confidence in us. We hope to continue this relationship in future years. 

Cody B.

Thanks for all your hard work and getting us set up with so little time!  Everything is going smoothly so far!  I have talked to the mortgage company and they are very helpful and easy to get a hold of.  Thanks again for everything you and your team did to make sure our needs were met and taken care of!


I want to thank you again for making our home happen, as 2016 was the best Christmas by far!  It was wonderful for us to finally be able to host in our home.  Family loved it, kids had a great time, and Bill and I were in our bliss.
Thank you.  You are our home miracle worker!

Tammy & Cory

You and your team is nothing short of fabulous!

We appreciate everything you have done for us and making our renewal go so smoothly and beneficial for our family.

We look forward to working with you in the future.


Qing and Peiji

Thanks again for your professional service. I still remember last year how quick you set this up for us. I will definitely recommend you if my friends are looking for mortgage advice.


Mike & Tammy R.

Over 8 years I had been dealing with the same bank for our mortage and to say I was nervous to try someone else would be a fact. However, I met Tracy and she asked me to give her a chance and I did. The results were more than I could have hoped for.

Tracy, when we started the process I explained that I was having major surgery and was worried that something would need to be done when I was unable too. You made sure that did not happen. We talked on the phone, you came to my home at a time that was convient for me and also sent me faxes in order to get all the paper work done. When was the last time a bank representative came to your house? Uhhh, never.

After surgery you called, not just to see how I was feeling but to reassure us that everything with the mortgage was fine and to give us some good news….lenders were change and our new rate was lower by .11%. Wow!! Now if that’s not the human touch and going above and beyond I do not know what else is. You could have easily ignored the fact I just had surgery and left us at the higher rate but you did not you took the extra time and produced an even better result. I guarantee you my bank would not have gone the extra mile as they want the maximum amount they can get with the least amount of work.

The end result for us was a smooth, clean, worry free new mortgage at .24 above prime. To think I was going to stay with my bank that could not do any better than .55 above prime. What was I thinking??

I know I thanked you in person but I also wanted you to have this note. All the best in the future and I have told my friends about you! Keep up the good work.

Sandy Delion


Love the house, love the mortgage – loved working with you. Best experience I have had with money in a LONG time.


Robert Chancey

Dear Tracy

To sum up your service in one word, I wound have to say, ‘Wonderful’!
Thank you for your superior customer attention and efficiency. My wife and I have now gone through our second Purchase transaction with you and I have always found your service and knowledge base to be outstanding! I look forward to referring my friends and family to you so that they may benefit in the same was as we have.

Margaret Baumgarner

Hi Tracy!

I wanted to send a quick thank you for all you did with regards to getting our mortgage and financing sorted out.  It was an easy process thanks to the effort from yourself and your team.  I will gladly recommend your services to friends, family and co-workers.




I have been dealing with my bank for the past several years. I must say that since I met you, you have changed my perception of the value and service a Mortgage Broker can bring to the table. Not only did you get me a better rate then what my bank initially offered me. You were able to do so on the first try.

Dealing with you makes me feel like I am a valued client. I didn’t have to negotiate my way to a better rate. You simply gave it to me from the start!!

You know, we rarely see the kind of service you delivered these days. You rank way up there with the cream of the crop!

Looking forward to many future dealings!!

Bruce R.

Thank you so much. Ee remortgaged the house so we could stay here longer in our retirement.  Thank you for your efforts to get us what we needed.

I will highly recommend you to all my friends and family.

Terri W.

Thank you for all of your help.  Getting my debts paid off has changed my life.  Thank you very much.

Christine and Patrick J.

I just wanted to send an email to thank you and your staff for all of your help during this process. [Our mortgage] wasn’t the easiest but you and your staff were very patient, supportive and understanding with us. Thank you for everything to you and your staff!

Csaba and Carolyn S.

My wife and I were looking to consolidate our expenses to ease the burden, and we were referred to Tracy Valko by our current mortgage provider.  When we spoke to Tracy about our needs and what we wanted to do, she found us the best possible solution, which would ease the financial strains.  She shopped around to get us the best possible mortgage rate and consolidate other expenses.  Tracy and her team always kept myself and my wife informed and up to date on the progress of our application with the lender in the best and professional manner, making the whole thing for us run so smooth.  We would definitely use Tracy and her team again, and refer her to our friends and family.  Thank you Tracy and to your team for all of your help! Truly appreciated.

Sue Gadsby

[E]verything has gone smoothly with the mortgage – had my welcome orientation with them last week and and delighted with the flexibility they offer.

Thank you again for arranging it and supporting the process!



Thank you for all you have done to make this new home happen. In April I recall asking for a miracle from you (as my mind is still set in grad student mentality) – and you made this happen. Thank you.

As  I sit for the first full day in my new house, I couldn’t be happier.  Thank you from the amazing work you do – and for bringing me to my forever home!

All the best

Karen Downes

Thank you so much for all of your help with the new mortgage. You took the stress out of a very stressful process by working with the lender to negotiate and finalize all of the important details in a VERY timely manner! I always felt reassured after speaking with you during this process. You maintain a level of professionalism that can hard to come by these days…when it boils down to it, you are here for your clients and handle things with ease. We couldn’t have done this without you!


Hi Tracy,

I have received the welcome package from RMG and registered my online account. It is awesome!

Thanks for your help during the transaction.

I received your invitation to the event but last weekend we were busy working on my sons’ birthday party, and this year my little daughter was born in June so we were a bit busy.

Let me know if you host another event in the future 🙂

Thanks again for your professional services. I will definitely recommend you and your company to my friends if they are looking for mortgage options. 



I want to thank you for all your help in getting me to this point. I could not have gotten this done without you and your team. Your patience meant a lot to me, as the process was quite overwhelming for me. It’s hard to let go of that house but this is what I was working so hard toward. It was definitely rewarding for me.

Thank you so much Tracy, we will be talking to you soon.

Julia Wang

Hi Tracy,

Thank you very much for what you’ve done to help us with the mortgage renewal. You made our works much easier.

Thanks again.

Craig Brodnicki

There was so much to consider when I was buying my house. It must’ve been my lucky day when I called the office and Tracy answered. She took me through the whole process, from helping me find a home to reassuring me when I had some doubts and then finding the right mortgage for me. On the day of closing she even made sure I got my keys. I don’t know how I’d have done it without her.

Tracy, your outgoing, professional approach made things so much easier. I was continually impressed by your ability and commitment to go that extra step and do whatever was necessary in taking care of all your clients. I think it’s those qualities that make you truly outstanding, a leader in your profession and a pleasure to do business with.

Margaret Baumgarner

Hi Tracy!

I wanted to send a quick thank you for all you did with regards to getting our mortgage and financing sorted out. It was an easy process thanks to the effort from yourself and your team. I will gladly recommend your services to friends, family and co-workers.


Ruth Loewen

Hi Tracy!

Thanks so much for making the mortgage process so painless. I appreciated the advice and information you provided, and that you then allowed me to make my own decision. Also that you put up with my indecision over whether to go variable-interest or fixed!

What people are saying about the Tracy Valko Team

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