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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 Planners - 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 brokers 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

This was the first time we used a mortgage broker and a Dave was great! He took the time explaining everything thoroughly (wealth of knowledge!) and was reachable to answer our questions at any time. We'll definitely come back when it's time to re-new. The process was seamless and would not hesitate to refer you to friends and family.

Sharon and Huy N.

David provided exceptional service when we had to renew our mortgage. He was knowledgeable and clearly outlined our best options to help us make a decision we are confident in. He responded quickly to our questions, was organised and problem solved all issues that arose immediately. He made what is often a stressful experience go smoothly.

Jenny and Christopher S.

Well. My real estate deal was beginning to crumble within the last week of closing. The stress was building. People weren't cooperating. My agents were disagreeing. But through it all David and Melanie were there when I needed an answer or explanation or an opinion. Dave was very organized which made things so clear and simple, in what seemed a very complicated process. And when conflict arose and the winds started blowing, Dave remained professional and personal, an impressive balance. Things were getting pretty bad at one point where I started doubting the people around me and was preparing for the worst. "This deal is going to fall apart and I am going to end up in court and lose a lot of money..." But Dave just kept pushing ahead no matter what obstacle presented itself. He always kept me well informed of my options and gave me a clear picture of what was happening. He didn't hide things, either good or bad. I was confident he had my best interests at the forefront throughout this experience. And Melanie was a cool gentle breeze on a hot sweaty day (which they were, I worked outside) always so kind and calm and ready to help. Thank you Dave for standing firm and allowing me to lean on you so heavily in "the perfect storm." You were more than a mortgage agent, I feel like we re companions after a long adventure. I'm kinda sad we won't be talking anymore lol. May God bless you and Melanie. Thank you (bows low in respect and gratitude).

Derek and Angelyn C.

David is incredibly knowledgeable, provides honest advice, and competitive products. We have used his services multiple times and have also recommended him to a number of friends who have also appreciated his help. It will be well worth your time to reach out and get his advice.

Colin M. and Michelle T. 

After going through 3 pre-approvals and feeling as if every advisor out there is trying to up sell us, we met Dave and felt that we were saved. In our first meeting, Dave spent 1.5 hrs with us just answering all our questions and, more importantly, asking us "why." We truly felt that he understood what we want and is working in our best interest. Dave's attention to detail throughout the mortgage process really made it a piece of cake. Overall, we are very satisfied working with Dave & already recommended him to 5 other friends. Don't miss out on an amazing advisor! 

Shreya A. and Rahul A.

David was our advocate every step of the way negotiating with a difficult and sometimes unreasonable lender. In the end, he helped us get an amazing rate and a seamless closing of our new house. Thank you so much.

Sanders P. and Karen C.

As a first time home buyer I felt like I was in the right hands with Dave. The patience and confidence he provided was very much appreciated. He provided sound advice and we felt like he was looking out for our best interests. I would recommend him to friends.

Prashant G and Jyoti K

David provided us with expert advice and sound options throughout the purchase and financing process for our new home. It's a time in life when you need exactly that. Thank you David!

Norm and Linda C.

David Larock was extremely knowledgeable, patient and approachable. During what can be a stressful time, he was easily accessible to answer questions (even on weekends and evenings)to put our minds at ease and to help us understand our options.

Shawn and Anisa B.

I have worked on many transactions with Dave, but this is the first one we have worked together on for my own purchase - and I have to say, he was phenomenal. Dave came up with creative solutions to any hiccups we experienced throughout the process, and really went above and beyond in his efforts. He is knowledgeable, professional, and extremely proficient at his trade. Overall, I would highly recommend Dave to any potential home buyers as he really takes the time to educate you about the process, and treats you not just as a client but as a friend.

Nicole H. and Justin N.

I have used David's services numerous times now and I'll do so again when it comes time to renew my mortgage. David consistently has provided me with the best financial package to suit my needs. He is polite, courteous and far more knowledgeable than I about the financial markets. I trust him completely to help me make good choices. Thanks David!

Jason M. and Heather D. 

Dave Larock was fantastic to deal with. What a professional. Eden & I were very happy with his services.

Les K. and Eden P.

Working with Dave was pure gold. Easy, clear and effective communications and he secured me an unbelievable rate. Top marks all the way around. Highest recommendation. Thanks Dave!

Graham C. 

Dave was great to work with. He kept us well informed every step of the way and was very quick to get back to us with every question or concern that we had. Everything was clear and we felt very comfortable and confident up until we closed the deal on our cottage.

Tomas R. and Erin C. 

Dave was amazing to work with. He took away the stress of the mortgage application and was our guide through the first-time home buying process. We had a tight schedule and Dave made everything work quickly and efficiently.

Christian F. and Sheena G.

We were very happy with Dave's service. He was very good about educating us on suitable financing options including one that we didn't know about (and ultimately went with). When we had a hiccup with our appraisal, he was very good about making everything right so that we were happy. We would definitely recommend Dave as an excellent mortgage agent.

Jeremy and Amanda K.

The service provided by Dave was excellent. His detailed approach instilled confidence that we were working with a true professional. Dave presented us with information and options we would not have otherwise considered and his assistance helped the application process to run very smoothly.

Edward A. and Jennifer P.

David Larock did a great job not only making the process very efficient but also in securing a fantastic rate and flexible overall credit plan that will serve me well in the future! He is a patient and persistent expert in the mortgage field. Thank you again.

Tim H.

We used David Larock for our mortgage and again when we re-financed 4 years later. Both times he was a pleasure to deal with and secured us an excellent rate. Excellent Service!

Jonathan H. and Amanda G.

Highly recommend working with Dave! He was very knowledgeable, patient with our questions- always delivering timely answers. He was exceptionally organized which was helpful to guide us through the process of our first mortgage.

Kerry and Donny M.  

It was a real pleasure to deal with Dave, he was very professional and provided us with exceptional service! Dave went over and above to help us out with our refinancing. He was always very patient and always ready to answer any questions or concerns we had. I would definitely recommend Dave to anyone looking for a mortgage broker! I look forward to continuing to deal with Dave.

Maria R. and Piero L.

Dave came recommended to us by two friends who had worked with him in the past. We gave him a close-to-impossible task and a very challenging home equity financing project and he guided us through every step along the way. He not only got us a better rate but also with our preferred lendor.

Kevin M. and Heather D.

David had provided me with some mortgage options before the big banks had even returned my calls. As I was in the process of separating from my spouse, I distracted and stressed with other matters, but I always felt as though Dave had my application well under control. It was a relief to have one less thing to babysit!

Sarah C.

Dave went above and beyond for us when we bought our first house. As first-time home buyers, everything was new to us, and we had a lot of questions. Dave was patient, courteous, and genuinely interested in making sure we got the best deal as possible. He even followed up with us to inform us of a rate drop that he had arranged on our behalf after the initial mortgage agreement was secured. Put simply, we never for a second doubted that Dave was looking out for our best interests. We would work with him again in a heartbeat and will happily recommend him to family and friends.

Jason and Catherine L. 

As a first time homebuyer, it was important for me to work with a mortgage broker that was a good communicator and well experienced. Dave is exactly that. He's also got great energy and enthusiasm for his field, which made the process less daunting. Right from the start, he broke it all down for me, without any jargon, laying out everything I'd need and should expect. If I ever had questions, I'd just shoot him an e-mail, and he'd get back to me inside of 10 minutes. His attitude and professionalism made the process very straightforward and I never felt stressed. I highly recommend Dave and will be happy to work with him again. 

Nadia B.

David Larock went well above my expectations. His knowledge level and customer service well surpasses any bank I have ever used in the past. I will recommend his services and look forward to renewing with him in the future.

Andrew J. and Sarah A. 

David was always very respectful and I never felt rushed. He checked-in and made sure we were clear and understood the product. I appreciated his patience. He did not overwhelm with lots of jargon - he kept it real.

Catherine H.

 

David was terrific in helping me with the process of buying my first home. He was very knowledgeable and patient in explaining the entire process to me. I would gladly recommend his services to anyone looking for a mortgage or just seeking advice.

Scott G. 

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.