Graeme Strukoff-Allegro Mortgages

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Graeme Strukoff-Allegro Mortgages Dedicated to giving you an informed choice on your mortgage options.

I'll take Mortgages for $500, Graeme. 🏠Answer: I make $100,000 per year and have $200,000 available for a down payment.Q...
10/03/2026

I'll take Mortgages for $500, Graeme. 🏠

Answer: I make $100,000 per year and have $200,000 available for a down payment.

Question: What is… “How much house can I afford?”

Unfortunately, this one doesn't have a single answer!

When lenders determine how much mortgage you qualify for, they're looking at more than just your salary:

💰 Your income
🏦 Your down payment
💳 Your existing debts
🏠 Property taxes & condo fees
📈 The qualifying interest rate
📋 Your overall credit and financial picture

Two people making exactly $100,000 per year could have very different purchasing power.

Thinking about buying? Send me your income, approximate down payment and monthly debts, and I can give you a rough idea of what your numbers could look like.

And yes, mortgage questions for $1,000 are considerably harder.

Happy Friday! For those of you who don't know me, my name is Graeme Strukoff and I was born and raised in Chilliwack, BC...
09/26/2026

Happy Friday!

For those of you who don't know me, my name is Graeme Strukoff and I was born and raised in Chilliwack, BC.

I became a mortgage broker after trying my hand at professional hockey, and then becoming a tradesman, specializing in framing and carpentry. I realized those were more hobbies than careers for me, and I decided I should needed to put my Business Degree to use!

My favorite part of brokering, is finding the best solution to each clients specific wants and needs pertaining to their unique financial situations.

I've been involved in coaching hockey since I stopped playing in 2018, and last year I got to be an assistant coach for the team I grew up watching, the Chilliwack Chiefs. Write something about the Chiefs in the comments, and I will give you two tickets to a game of your choice!

My wife and I had a baby boy this past summer, so we are adjusting to life as new parents.

I hope you are doing well, and if you have questions about buying a home, renewing, refinancing, or anything property/hockey related please don't hesitate to reach out!

Do you own a rental home, or have a rental unit on your property? There have been some changes to tenancy laws that you ...
07/05/2024

Do you own a rental home, or have a rental unit on your property? There have been some changes to tenancy laws that you should be aware of. If you have a sweet tooth check out the last pic! 🍦

Questions about mortgages or real estate? 🏡

Let’s talk 📞 📱 📧

Good news for everyone who’s been following the rate cycle. Keep in mind this only affects variable rate mortgages and H...
06/05/2024

Good news for everyone who’s been following the rate cycle. Keep in mind this only affects variable rate mortgages and HELOCs. Fixed rates follow the bond market which has been trending downward. I’m happy to help you with any questions you may have!

The BC government has rolled out a new program starting April 1 to help First Time Home Buyers. They also have added a t...
03/26/2024

The BC government has rolled out a new program starting April 1 to help First Time Home Buyers. They also have added a tax for property flippers. Do you think these will help our housing issues? Let me know what you think!

03/26/2024

The BC government has made some changes for First Time Home Buyers and Property Flippers. Here are the details, let me know what you think!

Increased Payment Frequency: With a bi-weekly payment plan, you make half of your regular monthly mortgage payment every...
08/16/2023

Increased Payment Frequency: With a bi-weekly payment plan, you make half of your regular monthly mortgage payment every two weeks instead of the full amount once a month. Since there are 52 weeks in a year, you end up making 26 half payments, which is equivalent to 13 full monthly payments in a year.

Faster Principal Reduction: By making 13 full payments in a year instead of 12, you are effectively reducing your outstanding principal balance faster. A smaller principal balance means that there is less money on which the lender can charge interest.

Less Interest Accrual: With a reduced principal balance and more frequent payments, the amount of interest that accrues between payments is lower. This results in a savings on the total interest paid over the life of the loan.

Shorter Loan Term: As you consistently make bi-weekly payments, you'll find that your mortgage term is effectively shortened. This can shave several years off your mortgage, allowing you to become debt-free sooner.

Budget-Friendly: Bi-weekly payments can be easier to manage for some borrowers as they align with their paycheck schedule. Making smaller payments more frequently may fit better within your budget and financial planning.

Remember, paying off your mortgage faster requires discipline and careful financial planning. Evaluate your options, set realistic goals, and stay committed to achieving financial freedom! 🏠💰

Visit us at https://www.graemestrukoff.ca/ to book an appointment today.

Mortgage default insurance, also known as mortgage insurance or mortgage guarantee, is a type of insurance that protects...
08/09/2023

Mortgage default insurance, also known as mortgage insurance or mortgage guarantee, is a type of insurance that protects the lender in case the borrower defaults on their mortgage payments. This insurance is required when the borrower makes a down payment of less than 20% of the home's purchase price.

The primary purpose of mortgage default insurance is to reduce the risk for the lender, allowing them to offer mortgages to borrowers with smaller down payments, who might otherwise be considered higher risk.

https://bit.ly/3s8euV8

A mortgage broker is a professional who acts as an intermediary between borrowers and lenders. They have a wealth of kno...
05/01/2023

A mortgage broker is a professional who acts as an intermediary between borrowers and lenders. They have a wealth of knowledge and experience in the mortgage industry and can provide you with valuable insights into the mortgage market. They work on your behalf to find the best mortgage product that meets your unique needs and budget. Mortgage brokers can also help you navigate the complex process of mortgage approval and ensure that you get the best possible deal.


Are you planning to buy a home? One of the most significant financial decisions you will make in your life is purchasing...
04/28/2023

Are you planning to buy a home? One of the most significant financial decisions you will make in your life is purchasing a home, and it can be both exciting and daunting. However, with so many mortgage options and lenders available in the market, it can be overwhelming to choose the right one that suits your needs and budget.
Read the blog to learn how mortgage broker can help you streamline your home financing journey.

https://bit.ly/3HgxIgd

Address

45715 Hocking Avenue #520
Chilliwack, BC
V2P6Z6

Telephone

+16043165180

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