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Mortgage Poll

Which way do you think interest rates will trend in the next 6 months?

Up more than 1% - 8.5%
Up slightly - 27.3%
No change - 42.4%
Down slightly - 14%
Down more than 1% - 2.3%
Don't Know - 3.5%

Total votes: 1727
The voting for this poll has ended on: April 29, 2016
Integrated Mortgage Partners - GTA - Toronto

If you want independent mortgage advice from a long-time industry insider about purchasing, refinancing or renewing, I can help. I am one of the most active mortgage bloggers on the internet and my website and blog will equip you with information, (candid) commentary, and an array of easy to use tools.

Here is what you can expect if you contact me:

  • Personalized service from an experienced industry expert
    (no call centres and no annoying voicemail instructions).
  • Independent, unbiased advice about what's in your best interest.
    (You will get the same advice I'd give to my mom.)
  • A great rate that comes with terms and conditions that match your long-term needs.
  • Ongoing advice, when you need it.
  • Fun. If you think mortgages (and saving money) are boring, you obviously haven't been talking to me!

What Dave's Past Clients Said

David went above in beyond in helping us with our mortgage transaction. He took the time to understand our needs and provided with a variety of options that met our needs. We couldn't have been happier with the entire process! We would definitely recommend David and team, and I look forward to working with them again in the future.

Luke S. and Paula J. 

Dave found us excellent rates and when an unanticipated / uncommon issue arouse with our closing, Dave was able to bring us numerous options to ensure a smooth close (and ultimately a great rate with our eventual lender).

Kevin M. and Natalie G.

Dave is simply the best mortgage agent in Toronto! His advice, mortgage rates and knowledge of the industry is unparalleled. He is awesome to work with and goes the extra mile in every regard. We are so lucky we had Dave help us with our house refinancing. His hard work secured us the perfect mortgage for our new home. Thank you so much for all your help and advice Dave. 

Paul and Maria M.

Dave provided a service unparalleled by mortgage brokers we have worked with in the past. If you are looking for exceptional service from someone who knows this business inside & out you will get that here. My wife & I did 2 mortgages at the same time and everything was wrapped up in 3 weeks time without any glitches. Everything that was promised was delivered with great low rates. Calls & e-mails were answered almost immediately. Once again Dave thank you so much for the professional service you provided to us. 

Edward N. and Rosa H.

We would work with Dave again and have already recommended him to a number of our friends. You wont find a better mortgage broker out there. 

Brad S. Niky R.

This is our second mortgage experience with Dave Larock. The first was a renewal in 2013, and the most recent was for a new home in 2016. We're satisfied in every way with Dave's negotiations on our behalf and with the two lenders we've worked with through him. Thanks, Dave.

Erika V. and David R.

David Larock made the entire process of getting and understanding the terms of my mortgage very easy. It really felt like he was in my corner the entire time and was very responsive when it came to answering questions. As a first time home-buyer he really took a lot of the anxiety out of the process.

Milos Z.

I have no doubt that Dave helped me get the best mortgage out there. I had less than a week to get everything together, and Dave was helpful, responsive and worked with both me and the lender to ensure all the bases were covered. I would definitely recommend Dave to friends and family and will be in touch again when my mortgage comes up for renewal. Thanks again!

Nicole K.

Dave was very helpful and supportive. When a last minute problem arose, he went to bat for us with the lender. We really felt he had our back!

Sylvia K and William G.

Not only were we provided with the best rate and exceptional service, Dave took the time to educate me on the different types of mortgages. Being new to mortgages, learning about the different types of mortgages was extremely valuable. We truly appreciate all of Dave's help. Thanks.  

Peter H. and Melissa C

David is very approachable and he took the time to answer all of my questions. The articles on his blog are also informative and they really helped me understand the pros and cons of different mortgage options. Not only did he find me an excellent mortgage rate, I became an educated consumer. I highly recommend David's service.

Mia K.

 I'm a repeat customer and will continue to be. Enough said. ''

George M.

Dave is a very professional & responsive mortgage broker to work with and is very respectful of his clients need to get everything done properly in a timely manner. 

Stephen D. and Kelly H. 

As first time home buyers, we were bombarded unsolicited advice, information, warnings and tips about entering the Toronto housing market from friends, family, colleagues and people in the real estate field. As a result, we were nervous and slightly unsure as to what to expect throughout the whole house purchasing process. Dave at Integrated Mortgage Planners helped to put our mind at ease. In our first meeting he was able to explain and simplify all the information that we were overloaded with. He was able to find a mortgage that worked for our needs at a rate that cannot be beat!

Michael O. and Victoria S.

David is awesome, knowledgeable and very helpful. He was able to get us the best rate on the market and was available to help us with all our needs. When we renew our mortgage agreement, we plan on using his services.

Misha B. Arij A. 

In our short time as home owners, David has helped us with two mortgages and two moves. He is patient, courteous and knowledgable. We were fully confident with him to handle all of our mortgage needs. We definitely would recommend David to all of our friends & family. 

Jaime Y and Sam C.

As a first time homebuyer David was a dream to work with. He made the process of buying a home and working through the paperwork an absolutely pleasure.

Mohamed G. 

David Larock provided absolutely fantastic service. His prompt reply and kind service made it easy for me to refer him to one of my employees for guidance. I added David to my linkedIn profile because I consider him as a valuable contact for all my future mortgage endeavours.

Ludwig N.

Dave was amazing, very responsive and very knowledgable. Dave inspired confidence and made the process so easy for me. Thank you so much!

Kevin W.

Dave was an incredible asset to us in buying our first home! He explained everything in detail and offered up additional information and advice to help us understand and make the best decisions for our first home. He was always responsive, helpful and friendly. I would recommend Dave (and already have) to anyone looking for an excellent mortgage broker!

Naomi B. and Geoff V.

David was a pleasure to work with. As a first time home buyer he not only answered but anticipated all questions I would have and very patiently walked me through everything. He made the entire process as easy and smooth as possible.

Stephen S.

Professionalism at it's finest !!! What more could one ask for? Once again, thank-you very much David.

George H. 

My real estate agent recommended Dave for my mortgage needs. I didn't realize what a professional I was getting. Dave was very helpful and always had answers to my questions. He was proactive, even responding to questions while he was on a brief summer vacation. I highly recommend Dave.

Jane A.

Excellent service! David always responded quickly with clearly laid out instructions and information. He consistently made time to talk on the phone and was thorough in answering all questions. Thank you for making this process so easy!

Uros and Dina M.

Dave made the entire process amazingly accessible! We were first time buyers with a tight deadline and almost no knowledge on what the process entailed. Dave's friendly informative and quick approach was invaluable. Can't recommend him highly enough.

Alex I. and Cassandra G.

Dave Larock did a great job. Did what others could not do. Great to deal with. 

Nathan M. and Julia G.

Working with Dave was an outstanding process. He is extremely knowledgeable and professional. On top of good customer service, he seemed to deliver an exceptionally competitive rate with the bank employee being surprised at how low our rate was. We were a small client but we did not feel that way. We would certainly be comfortable to and have recommended Dave to our friends and family. 

James W. and Myrianne B.

Dave was very knowledgeable and pleasant to work with. He advocated for us throughout the process and thanks to him, our mortgage application was approved lightning-fast. We would definitely recommend him to anyone looking for a mortgage.

Eric and Anne J. 

From our initial contact with David, we knew we did not have to shop around for other lenders. David was very prompt, professional, and most importantly very very patient. As a first time home buyer, we had many many questions and David took the time to answer them in layman's terms yet in detail. David went so far as to work on our application even while on vacation which we truly appreciated. We would rate David 11/10 and will be recommending him to family and friends. Thank you for everything David!

Saq & Natasha R.

We were very pleased to arrange our mortgage with Integrated Mortgage Planners. Dave knows his stuff, explained mortgage options in a simple and straightforward manner, and ultimately directed us to the product that was best-suited to our needs. He was very responsive and took the time to make sure we had all the information we needed. We would highly recommend Dave and Integrated Mortgage Planners to anyone looking for a knowledgeable broker who they can trust to get them the best mortgage out there.

Rick S. and Anne T.