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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

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.

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.