Tracy Valko - Dominion Lending Centres FSRA #13717 Valko Financial Ltd

Tracy Valko - Dominion Lending Centres FSRA #13717 Valko Financial Ltd Award-winning Mortgage Broker | Owner, Valko Financial. Helping Canadians build wealth through smart mortgage, home equity, and retirement financing solutions.

Follow us on Instagram Tracy’s been in the finance and banking business for over 28 years and is currently a leading expert in mortgage brokering in the serving Kitchener, Waterloo and Cambridge and across Canada for 25 years. Tracy is recognized by Canada Mortgage and Housing Corporation as a leading mortgage expert in her market, and has access to many ‘preferred status’ rate

s with lenders based on her mortgage volume. Tracy consistently places in Dominion Lending Centres' Top 10 Rankings, and has been recognized as one of Canadian Mortgage Professional magazines Women of Influence in 2022. Tracy and her team have received 6 yrs running the Consumer Choice Award for Favourite Mortgage Lender in the professional services category for Kitchener-Waterloo. Tracy is currently nominated for a Record Reader Award in the same category. Tracy prides herself on her ability to balance her successful business while taking time for her family. Tracy managing a national brokerage across Canada. Valko Financial has over 75 agents and proudly funded $500 Million in mortgages in 2021. Dominion Lending Centres is Canada’s premier online mortgage company, with over 460 mortgage offices across Canada and over 4700 mortgage agents.

Honoured to be joining the panel at the Women in Mortgage Summit Canada on September 24. ✨I’m looking forward to sharing...
09/10/2026

Honoured to be joining the panel at the Women in Mortgage Summit Canada on September 24. ✨

I’m looking forward to sharing insights, learning from accomplished industry leaders and connecting with the remarkable women who continue to challenge conventional thinking and elevate our profession.

When women come together with purpose, we do more than exchange ideas we strengthen relationships, open doors and inspire the next generation of leadership.

Thank you to Mortgage Professional for the invitation. I’m excited for a meaningful day of conversation, connection and collective growth.

I hope to see you there!

🔗 Learn more and register at womeninmortgage.ca

ElevatingTheStandard

Your income has nothing to do with your credit score. Neither does your net worth. Lenders don’t care what you make, the...
09/08/2026

Your income has nothing to do with your credit score. Neither does your net worth. Lenders don’t care what you make, they care how you handle what you already have.

Here are the 5 things that actually decide the number:

Payment history (about 35%). This is the biggest one. Pay on time, every time. One missed payment can undo months of good habits.

Credit utilization (about 30%). Keep your balances under 30% of your available credit. Under 10% is even better.

Length of credit history. Don’t close your oldest card just because you don’t use it. That account is quietly working for you.

Credit mix. A healthy variety of credit cards, loans, and mortgages, all managed responsibly, helps more than just one type.

Credit inquiries. Applying for credit too often in a short window can hurt you. Exception: shopping for a mortgage or car loan within a two week window counts as one inquiry, not five.

Here’s why this matters beyond the number itself: your credit score is the most-screened factor in your mortgage application. The difference between a good score and a great one can mean a meaningfully better rate.

Know your score before you shop for your rate. Swipe through, and if you want a free breakdown of where you stand, comment “SCORE” below.

📊 Source: Credit Karma Canada

CreditTips ElevatingTheStandard

Canada’s labour market just hit a wall. 📉The economy shed 41,700 jobs in August, when economists were calling for a gain...
09/04/2026

Canada’s labour market just hit a wall. 📉

The economy shed 41,700 jobs in August, when economists were calling for a gain of 15,000. It’s one of the sharpest downside surprises in recent memory, and a hard stop after 181,000 jobs added between April and July.

The unemployment rate held at 6.4%, but that’s not the reassuring part it looks like. Fewer people were actively job hunting, full-time work took the brunt of the losses, and wage growth cooled to its slowest pace outside the pandemic in seven years.

And this is before new U.S. tariffs start showing up in the numbers.

For anyone watching the rate outlook, on a variable, coming up for renewal, or waiting to buy, this report matters. Swipe through for the full breakdown, and send me a message if you want to talk through what it means for your plans.

KitchenerWaterloo ValkoFinancial

Consider the mathematics.📈A home worth roughly $120,000 growing at just 4% annually becomes approximately:10 years → $17...
09/03/2026

Consider the mathematics.📈

A home worth roughly $120,000 growing at just 4% annually becomes approximately:

10 years → $178,000
20 years → $263,000
30 years → $389,000
40 years → $576,000

At 5% annual appreciation, that same $120,000 becomes approximately $845,000 over 40 years.

That is the power of compounding and it happens despite the fact that those decades can include recessions, housing corrections, inflation shocks and dramatically different interest-rate environments.

But homeowners potentially benefit from something else at the same time: mortgage principal reduction.

Your property may appreciate while your mortgage balance declines.

Two wealth-building forces working simultaneously.

This is why I believe we spend too much time debating whether this month is the “perfect” time to buy and not enough time discussing time horizon, affordability and long-term strategy.

Real estate is not guaranteed. It will correct. It will cycle.

But wealth is rarely built by reacting to every headline.

Corrections happen in years.
Compounding happens over decades.
Time is the multiplier.

The question isn’t simply, “What is the market doing today?”

It’s: “Where will the money I invest today be 20 years from now?”

Seventh hold in a row. Here’s the full picture. 📊The Bank of Canada is holding its overnight rate at 2.25% today six str...
09/02/2026

Seventh hold in a row. Here’s the full picture. 📊

The Bank of Canada is holding its overnight rate at 2.25% today six straight holds becoming seven. Only two announcements remain in 2026 after today: October 28 and December 9.

But the big banks aren’t all reading it the same way. BMO, CIBC, RBC, and TD expect the hold to carry through December. National Bank and Scotiabank disagree both are calling for hikes, up to 2.75% by year-end.

For now, prime stays at 4.45%. That means no change to variable-rate mortgage payments and no change to line of credit interest but with the banks split on where this goes next, it’s worth knowing where you stand either way.

Swipe through for the full breakdown.

DM “RATE” if you want to stress-test your variable or HELOC against what could come after December.

Bank of Canada decision day is tomorrow here’s the setup. 🇨🇦The overnight rate has sat at 2.25% for six straight decisio...
09/01/2026

Bank of Canada decision day is tomorrow here’s the setup. 🇨🇦

The overnight rate has sat at 2.25% for six straight decisions, and all 35 economists surveyed expect a seventh hold on September 2. GDP grew 3.3% last quarter the fastest pace in three years while inflation crept up to 3%, above the Bank’s target. Add in the escalating trade war with the U.S., and you’ve got a central bank stuck between two competing pressures.

Most of the Big Six banks see holds continuing through December. Two : National Bank and Scotiabank are calling for hikes instead.

Swipe through for the full breakdown, and what it means if you’re renewing or buying right now.

DM “RATE” and I’ll walk you through your options before the announcement drops. 📊



Your opinion of Tommorrow’s BOC rate announcement:

08/31/2026

The Bank of Canada decides Wednesday… but with inflation, U.S. debt and bond yields applying pressure, Canadians shouldn’t assume the next move is down 🇨🇦

Address

137 Glasgow Street Unit 227
Kitchener, ON
N2E4H9

Website

,

Alerts

Be the first to know and let us send you an email when Tracy Valko - Dominion Lending Centres FSRA #13717 Valko Financial Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Tracy Valko - Dominion Lending Centres FSRA #13717 Valko Financial Ltd:

Shortcuts

Share

Category