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Mortgage Poll

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

Integrated Mortgage Planners - GTA - Toronto

If you want independent mortgage advice from a long-time industry insider about purchasing, refinancing or renewing, you've come to the right place. I work with Canadians from coast to coast 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!

Check Out Dave’s Latest Blog Post for Breaking News on Canadian Mortgage Rates:

Is the Bank of Canada About to Start Raising?

Monday Morning Interest Rate Update for January 17, 2022

There is widespread speculation that the BoC will start to raise its policy rate at its upcoming meeting on January 26. I don't share that view.

Read Post: Is the Bank of Canada About to Start Raising?

Read What Dave's Past Clients Said

Dave answered all my questions and concerns promptly. He is very knowledgeable in his field.

Sam R.

David was amazing to work with. Being a first time home buyer, we were unsure of the entire process - but David took us through step by step and provided us with all the information which made us feel at ease and supported throughout. He definitely went above and beyond and we couldn't be happier!

Rehana M. and Hussein J.

We had a great experience with David. He explained everything clearly and logically, and we got a great rate with terms that suited our situation. He always responded promptly and adapted as needed. We would go to him again.

Laura D. and Patrick B.

David was always there when we had an issue or a question and, somehow, he managed to make us feel like we were his only clients. We always appreciated how fast he was in responding to any of our concerns and I can't imagine a more efficient yet friendly relationship. We probably wouldn't have gotten our house without his precious assistance.

Sorin P. and Jennifer M.

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.

Both my wife and I appreciated the time David took to explain everything and patiently answer our many questions during our mortgage renewal. We only dealt with him on the phone, but he sure came across as knowledgable and honest. I would most definitely recommend his services to anyone renewing a mortgage.

Markus K. and Tanya B.

It was a pleasure working with Dave on our mortgage approval. He was very quickly able to understand our needs and provide a number of options for us to work with. He was constantly in communication with us throughout the process and provided his expertise where we needed it. Thanks Dave!

Chris S. and Jennie B.

Dave was a pleasure to work with! Knowledgeable, friendly and customer focused. I would not hesitate to recommend Dave to family and friends. 

Matt C. and Serina C.

I've used a number of mortgage brokers in the past, but I never felt they had our family's best interest at heart. I was impressed with the professional service and candid advice we received from David Larock. He was able to get us an excellent rate, and even better, with an institution that didn't charge a lot of administration fees (have to watch out for those!) Our mortgage transfer went very smoothly. When I tell friends and family about my experience, they all want to know more about David and his company. Keep up the good work!

Tania P. and Gregori A.

Dave and Melanie were great to work with. If any questions came up they were quick to respond, and I believe they got us a great rate with a very flexible mortgage!

Tim L. and Dana S.

Great service and great products. We would use again and recommend to others.

Aaron and Lisa D.

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.

I really appreciate all the information provided by David which helped me make a confident decision for my new mortgage. Not only did I get a great price, I understand the process much better now. I liked that I was able to communicate with David either by phone or email. I was often very pleasantly surprised to get very fast responses to my questions even after regular business hours. During the whole process I always felt David was giving me the best advise for me and I never felt pressured. Thanks so much for taking such good care of me!

Anna C.

David and Melanie are a great team that made the process of getting a mortgage as easy as it can be!

Jordan A. and Rachel W.

I needed a low interest rate mortgage and terms to suit my retirement income. Dave worked diligently sourcing all possible avenues. He kept me up-to-date, calling promptly and taking extra steps to research the unique conditions with my condominium building. He has an extensive knowledge of mortgages and the real estate market. Because of his expertise, I have a mortgage suited to my needs. Dave was such a pleasure to work with and his professionalism far exceeded that of anyone I have worked with in the past. I would not hesitate to recommend Dave to my family and friends.

Mary Ann 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.

David was extremely helpful! This was my first time buying a house and he took care of everything. I supplied him with the info and he provided more then expected. Highly recommend his services!!!

Andrea A. and Michael D.

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.

David was extremely helpful and always available to answer all our questions on a timely fashion. He thoroughly explained all aspects of our mortgage renewal and we will definitely refer him to our family and friends. Thank you David.

Nelson M. and Tina R.

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.  

David Larock was a pleasure to deal with. He provided us with good advice and explained every detail to us very clearly. We honestly felt he had our best interests in mind. 

Marco and Tanya M.

Dave provided exceptional service. He was knowledgeable, honest and straightforward to deal with. He was also quick to respond to any questions or concerns that I had and followed up regularly throughout the process. I would definitely recommend him.

Kris L.

When my partner and I started looking at homes, our real estate agent we went with recommended David and his team at IMP. We met with him for a consultation and we could see why he came recommended. David was polite, patient and answered all the questions we had (we had many). He was realistic and spelled out our options plainly. After we somehow managed to find our home and seal the deal, he didn't push us toward any one lender, he provided us with a few options to choose from that best suited us. Overall, a very good experience and would definitely use IMP again in the future. Thanks again!

James P. and Alex S.

Dave's guidance and support was invaluable during our first mortgage application. He operated with integrity and professionalism, taking time to educate us on the mortgage process and how to find a mortgage that fit our needs. We used his online calculators and blog posts often, and Dave was always available to answer any question we had. We look forward to working with him again in the future!

Phil D. and Jenna H.

Dave is a consummate mortgage professional. He understood our needs, found us a solution that fit the bill and skillfully navigated us through the process from start to finish. I'd highly recommend Dave and his team to anyone seeking to renew a mortgage or just looking for some sound advice.

Paul and Elizabeth H.

We’ve worked with Dave twice now, and would never even consider going back to doing it on our own or with a different broker. Honest, straightforward, expert-knowledge, and a pleasure to work with.

Sean M. and Renee C.

David made it very clear from his actions that he was working on my behalf. He is persistent, patient and innovative. Good guy to have in your corner.

Keith T.

Dave has been great at helping me get the best deal possible, and sorting out any complications along the way. His guidance was very helpful to me when dealing with the overwhelming first-time home buying experience!

Ian T.

Dave's service as outstanding and we will for sure ask for his services in any mortgage related transaction. He has the experience of having worked in large banks and at the same time he provides you with a very personalized service. After we obtained our mortgage, we were informed by our lawyer that we needed bridge financing. This was one week before the closing. We told dave what was going on and he took charge of the situation immediately. In other words, we knew he was going to have this solved and in fact he did. That is great service to us. Thank you Dave for all your assistance.
 

Veronica P. and John C.

Best in class. Mr. Larock combines a strong financial and economic background with a keen eye for detail. Client for life.

T. McKenzie