Who am I?
I am a rather unusual independent mortgage agent. What sets me apart is the depth of my experience across the mortgage industry, my extensive writings on all things mortgage, and the breadth of my formal qualifications.

I decided to operate independently so that I can offer truly unbiased advice to my clients, and I thrive on providing one-on-one personal service and helping people in ways that they often find quite surprising. If you choose me as your mortgage provider, you can count on my personal commitment and involvement in the process from beginning to end (and beyond, in the form of Quarterly Updates and annual Mortgage Check-ups that are based on current market conditions).

Who are my clients?
Canadian residential mortgage borrowers who would like a mortgage pre-approval or who are purchasing a home, refinancing an existing mortgage, or evaluating a renewal offer from their existing lender.

My Background
I started in the mortgage business at a Big Five bank as a consultant and advisor to the mortgage division’s President and CEO. I then joined the executive team of another one of the largest lenders in Canada and later moved to a smaller, more innovative lender as their Vice-President of Marketing and Sales.

During my ten-year experience as an employee, I designed a wide range of mortgage products, launched several industry-first initiatives that are still in wide use across the industry today, and managed the origination of more than $3 billion in residential mortgage loans.

Notwithstanding a strong corporate track record, I always wanted to be independent, so I moved to the brokering side of the mortgage business. I made the bet that my unique background and qualifications, combined with my passion for sharing knowledge and genuinely helping people, would be valued by Canadians looking for unbiased mortgage advice.

Formal Qualifications
Master of Business Administration (Ivey MBA), Accredited Mortgage Professional (AMP). Professional Financial Planner (PFPC), Canadian Securities Course (CSC). 

Why Me?

• I will give you the same advice I would give my Mom (to learn more about how I do business, check out my Core Values page).
• Unlike employees working for lenders, my only objective is happy customers (my main source of referrals) and my income is not affected by my lenders’ profitability.
• I know the mortgage business inside and out (literally) and I can simplify your mortgage options and explain the interest rate market in a way that you can easily understand, even if you haven’t spent your life in the financial services industry.
• I offer thoughtful and insightful advice that has made me one of the most widely published and quoted mortgage bloggers on the internet (check out my blog to see for yourself).
• After your mortgage transaction is completed, I maintain ongoing contact  through Quarterly Updates on the changing interest rate market as well as Annual Mortgage Check-ups which ensure that your customized mortgage solution stays optimized.
• My interest rates are the best in the business – guaranteed.

When I’m Not Working I Am:

• A husband and father to a pair of energetic and outgoing 5-year old twin boys.
• An avid runner working my way up to my first marathon in May of this year (with three half-marathons and several shorter races under my belt).
• A volunteer ice-rink builder and board member of the Moore Park Resident’s Association.
• A lover of documentaries, a student of economics, an outdoorsman, and a do-it-yourself home renovator.  

If you’re ready to get started you can call me at 416 304 0100 (ask for Dave), email me, or apply online.  Whether you need a mortgage now or just want some advice for the future, I would be happy to speak with you (and if you forget all of this, just Google “Dave Larock” or “Dave the mortgage planner”).

I look forward to hearing from you.

David Larock
President, Integrated Mortgage Planners Inc. 

Integrated Mortgage Planners operates under TMG The Mortgage Group Ontario Inc.
(Broker License #10315)