21 June 2023 12:48
I first contacted Tim to discuss lending options when I was considering purchasing a new property, and went back the following year once I decided to move forward. He's very responsive, customer focused, explained all the scenarios well and was able to secure a mortgage and navigate through the process with a quick close date. Very helpful and knowledgeable, a pleasure to work with!
19 May 2023 9:25
My wife and I recently bought a house in Kitchener, and Tim was a huge part of what made that happen. Not only did he get us a great mortgage rate, he also acted as a great resource for helping us through the process of buying a house (which as first time house buyers really set us at ease). He's kind, personable, knowledgeable and always happy to answer questions. Thanks again Tim for all your help! Highly recommended!
05 May 2023 21:19
5 stars is not enough for Tim! He is the absolute best at what he does. He had amazing communication from our very first meeting with him, up until we finally found our house. Tim was highly recommended to us and after working with him it is easy to understand why! Thank you Tim for making this such an easy and stress free experience for us!
30 April 2023 3:26
For first time home buyers, all the things you need can be overwhelming but Tim was able to help us and guide us with honestly. He does his job and more, he is making sure you are covered with a plan A and a plan B incase something doesn’t turn out the way we all would want it too. The support is unreal and we never felt like we didn’t know what was happening. When we were confused, he answered questions and always offered to ask more if needed. Thanks Tim for helping us with our first mortgage! 100% recommend Tim if you want to reduce the stress of buying a home and all the extra things it comes with.
06 February 2023 19:15
I have done all my mortgages with Tim and send all my clients to him. He truly is the best, he is a clear and concise communicator and takes the time to explain the options and gets you the best rate.
21 January 2023 10:57
A few years ago my credit was bad, and I had a lot of debt. I contacted Tim about debt consolidation and refinancing my mortgage. With Tim's help I was able to refinance my mortgage reasonably, pay off all my old debts, and now I am in the clear with a much better credit score, and enjoying life and it's extra rewards. I can not thank Tim & Valko Financial enough. The stress that he relived from my life is unmeasurable. THANK YOU
20 November 2022 6:20
I worked with Tim to secure my initial mortgage five years ago. During that encounter, I was impressed with his professionalism, expertise, patience and excellent customer service. I was confident that Tim would be the right agent to work with this Summer while looking to renew my mortgage. The experience was just as great the second time around. The process was smooth and stress-free once again. Thank you, Tim, for your services.
06 October 2022 3:32
Great mortgage broker, helped us get through a very difficult situation on our closing day due to problems with another lender. Would recommend to anyone who needs a mortgage and wants a great rate and service.
24 September 2022 17:34
Tim is a very knowledgable and patient broker. My husband and I were first-time homebuyers and Tim spend almost an hour on the initial video call to explain to us our mortgage options and potential quotes he could get us. He made us feel very taken care of and was passionate about mortgages and real estate. I highly recommend Tim!
28 July 2022 8:37
Received excellent service from Tim. He was very supportive, responding to emails quickly and in depth. In our experience he was personable, very knowledgeable and connected us with helpful resources online as we were learning about types of mortgages & how to calculate potential payments. Thank you for your work Tim!
11 February 2022 10:46
Ever since our first encounter with Tim via a new home buyers information session via zoom hosted by Erin Parsons; my partner and I have been treated with professionalism, sincerity, honesty, and consistency. Tim has been the consummate professional throughout what could have been a hopeless process over the past few years.
He has treated each of our questions and concerns with a deft touch, speaking to our unique case in such a way as to assure us that our best interests were always placed first.
Tim is courteous, humble, and determined. Our success as homebuyers is a testimony to the efforts of Tim, and we truly could not visualize doing this without him.
We wholeheartedly recommend his services to both the new and experienced homebuyer.
Thanks Tim, from the bottom of our hearts!
06 February 2022 21:36
Tim has been our go to for many years for mortgages on primary and secondary/rental properties. Informative, easygoing, and always quick to respond.
Thanks Tim!
Looking forward to the next one!
07 January 2022 22:21
Tim was great from the first moments of our selling/buying process.

We had a plethora of questions that Tim was able to give clean, detailed answers to and instilled the confidence that he could provide us with the best services.

We will continue to use Tim through our future home buying journeys!
17 October 2021 18:04
Where do I begin.my boyfriend and I purchased our first home recently and Tim was an absolute dream to work with! He walked us through each step thoroughly, ensured we understood everything, was clear & so concise with any information he gave us. He cares for his clients greatly and it shows, even after the the closing date! If you need a Mortgage Agent. TIM is the man!
28 July 2021 8:18
My partner and I have a fantastic experience working with Tim to get a mortgage. Due to the high volume of mortgage applications, we weren't hearing back from the bank where we initially applied. I got in contact with Tim initially to learn about him and what he could offer, and to consult on the type of mortgage to get. He was really responsive and honest and extremely knowledgeable. After a few weeks of not getting any news from the bank, we decided to apply with Tim. We could not have made a better decision. Tim was very responsive, and within A DAY he was able to get us a response (we waited over a month to hear from the bank). Tim was absolutely a pleasure to work with. I would recommend him to anyone looking for great and responsive customer service.
02 July 2021 2:30
Tim has now assisted me in securing 3 mortgages over the last 7 years.
He has always taken the time to answer my countless questions, responding quickly and in a way that makes sense and is easy to understand.
He helped us get a mortgage and into a new home last year, in the midst of the pandemic, at a time where it seemed almost impossible. He designed a plan for us, to get us into our home at the time, with the next step already in sight for the following year.
Recently he reached out, knowing we were approaching renewal, and gave us a jump start on securing a low interest rate, and we couldn’t be more appreciative.
Tim made the process very easy, and I would recommend him to anyone looking to get into the market, no matter what your debt/history/employment status looks like, he will help you come up with a solid plan to get you approved.
Thank you so much Tim!
08 June 2021 21:33
We have used Tim's mortgage broker expertise twice now and have been more than pleased both times. Our first mortgage situation was not an easy one but he managed to figure out a fabulous solution for us that worked! And now we have just completed a small refinance and again was as responsive and helpful as ever! Thank you Tim!: D
26 May 2021 10:15
Tim assisted us with our mortgage and we had an excellent experience. He checked in with us regularly and was really on top of things. He made the biggest purchase of our lives feel manageable and stress free. He's also just a nice genuine person. Highly recommend!
16 May 2021 15:42
If you need a mortgage broker Tim is the best! I can say that because he is my mortgage broker and beat the rate we had with the banks and Tim answered all our questions. If you want someone who will genuinely care and always have your best interest at heart you need to reach out to Tim! Brokers like Tim have such an amazing advantage with different lenders to shop the best rate you will not be disappointed
16 April 2021 4:10
Tim was kind, thorough and always quick with his replies. I would definitely recommend for first time home buyers.
20 March 2021 21:05
Tim has been an absolutely amazing and invaluable support to my spouse and I throughout our home ownership journey to date. It was clear to us from the beginning that Tim is someone who cares deeply about his clients, and his patience and conscientiousness in answering our many questions and guiding us through the process in general has been a godsend. We consider ourselves very lucky to have been referred to Tim - it has made all the difference for us in this chapter of our lives.
20 March 2021 8:28
Tim was excellent. We came into this not being too sure what we needed to do or how to navigate a confusing mortgage market. Tim was an excellent communicator and was professional at every turn. He made it simple and straight forward. When we had questions, he replied quickly and really got to the root of the question. At one point, we had an approval at a great rate and were excited to move forward. He proactively came to us with an even better rate and we are now saving thousands of additional dollars. I highly recommend Tim and have referred him to everyone I know looking for a mortgage (two other friends have already worked with him).
23 February 2021 1:33
Tim is not only a great person, but her really knows his stuff. I'd recommend everyone go to Tim for your mortgage.
03 November 2020 4:37
My partner and I are first time homebuyers. Tim was incredible during the entire process. He is very knowledgeable and responsive. He always took all of our questions seriously and had an answer shortly after. I highly recommend working with him!
10 July 2020 17:30
Tim recently assisted us to obtain a mortgage during these difficult times with covid's effect. He is a very knowledgable, sincere, attentive and personable individual who was always available to us and answered all our questions in a very timely manner.

Even after we obtained the mortgage, Tim continued to offer his professional assistance which we were so grateful for.

Thank you so muchTim!

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