free templates joomla

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:

Happy Family Day Long Weekend

Monday Morning Interest Rate Update for February 19, 2019

I took this weekend off for Family Day. I'll be back with a new post next Monday and in the meantime, here are links to two of my most popular recent posts.

Read Post: Happy Family Day Long Weekend

Read What Dave's Past Clients Said

Dave was great. He made qualifying for the mortgage very easy and also gave insightful tips along the way. Being a first-time home-buyer, Dave was right there with us and got us a fantastic rate. We highly recommend him and his services and would definitely use him again.

Edward T. and Wyman S.

Dave is an excellent service provider, he is knowlegeable, humble and always available to answer queries. I was not sure if I should go for fixed or variable rate, Dave has helped me to pick one suitable for my circumstances. Dave website, blogs provides wealth of information very useful for first time home buyer. I will refer Dave to my friends, relatives and associates looking for mortgage.

Ashish and Disha J.

David is amazing! I was referred to him by a close friend who told me David was the best in the business, David not only met my expectations he exceeded them! I was extremely impressed with David’s flexibility and the fact he was always reachable. My mortgage financing deadline was short so I found it very helpful that David remained on top of my file and was always in contact, if he missed my call he was quick to get back to me which was greatly appreciated and made me feel like a valued client. David was professional and knowledgeable throughout the whole process and even followed up with a call to see how my move went and if I’m happy with everything...nice touch! High recommend to family, friends, and all!

Oliwer W.

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 Larock was recommended to me by my agent at Realosophy. David was very prompt with his communications, and took the time to answer any questions I had about any and all parts of the process. I felt confident that the process of securing a mortgage was being well handled, and have no complaints. I did not have any doubts that David was acting in my best interests, and would happily recommend his service to family and friends. Thank you David.

Adam C. and Kadia P.

We had an unusual income situation that was well handled. Excellent service!

Clare P. and Stephen B.

Whatever your mortgage needs may be, there is no need to speak with anyone else. I highly recommend David Larock, you won't be sorry!

Gaby G.

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. 

As first time home buyers, we greatly appreciated David's expertise and the time he took to go through all the details with us. He kept in touch with us throughout the process and got back to us quickly when we had questions. It was reassuring to us to know that we were working with someone who had our best interests in mind. 

Mark K. and Eilis K.

You made a painful process much more comfortable. Thank you.

Fraser B.

David was very helpful throughout the process educating us with useful documentation via his blogs, conversations over the phone and providing right direction and advise when needed. He really made the entire process smooth and kept us posted on the progress and next steps. THANKS A LOT for your services David.

Anand P. and Shruti S.

David Larock is very knowledgeable about the mortgage world. We appreciated his professionalism and prompt, can-do nature!

Priyanka and Indrayudh G.

We thought that getting a first mortgage would be overwhelming. Our experience with David LaRock however was outstanding and he made the process very smooth. He can make things very simple, but we had a lot of questions and he was able to speak deeply on all of the subjects that mattered to us. From refinancing strategies to variable impact on mortgage insurance across different down payment levels. He's very knowledgeable, but informal and friendly as well. We've already recommended Dave to others. Hands down our best partner in our new home purchase.

Heather K. & Max R.

I have and will continue to recommend you to others. David is very knowledgeable so meeting him gave us all the information we needed. David and Melanie were very responsive, timely, and available for any questions we had along the way. The whole process was smooth thanks to your help and guidance. David and Melanie were also very nice to work with on a personal and professional level. Thank you so much for your help.

Tara C. and Huoi U.

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

George M.

“This was the first time that I was involved in negotiating a mortgage on my own, and I felt that Dave Larock was patient and understanding of my needs. I feel confident that the advice that was provided to me was the best possible and that with Dave's help I was able to secure a favourable mortgage rate with terms that work best for my needs.”

Susan B.

Dave made my first home purchase extremely smooth and rewarding. I truly can't thank him enough!

Rob T.

Mr. Larock was able to deliver every thing he promised and more. His knowledge was excellent, he was an expert of his field, make us very comfortable all the way, his guidance gave us the peace of mind that any buyer hope to have. I can't express my thankful for David enough. So if any looking for a trustful, efficient and honest planner, in addition if you are looking for best rate in the market, don't hesitate to contact David and live our experience to believe . Thanks David

Yousef E. and Rudiana B.

Dave was very professional and instilled confidence in us at every step of the process. He answered our questions promptly and informatively. Because of my experience with Dave, I will always use a broker in the future - why not? Dave's services cost us nothing and provided peace of mind in navigating what is a complex field of finance. Dave also acted with integrity and was quick to demonstrate where to save money and where to spend it wisely. Thank you, Dave, for a wonderful, professional service.

Bruce and Alison F. 

As a first time home buyer, David was incredibly efficient and helpful with the process. He answered all of my (millions) of questions promptly and his professionalism exceeded my expectations. I would gladly recommend him to both family and friends.S

Sonja M.

My wife and I had high expectations and David's level of service went above and beyond. His ability to walk us through the process and clearly explain our mortgage options made us feel confident in our home purchase and put us at ease through what is typically a stressful event. His follow through after the transaction was completed was also much appreciated. I would highly recommend him to anyone! 

Adam and Monika H.

Thank you for all of your help!

Alice W.

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.

David is extremely knowledgeable in his field and he is able to explain the details to the ordinary person. He responded promptly to my phone calls. I felt confident in his handling my mortgage arrangements. It was a pleasure to work with him.

Freda and David P.

David Larock provided exceptional service and much-needed counsel. An industry expert, his knowledge and calm guidance helped us at every step of the way. It was so much more than just getting the best rate available. I couldn't recommend David and his team highly enough.

Jonathan B and Wendy M.

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.

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

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.

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.

David is not only extremely knowledgeable about the Canadian mortgage and financial industry, he is also very passionate about it. I found David to be an incredible resource, he was open and honest and clearly explained my mortgage options. I cannot recommend David's services highly enough. I have saved money, many headaches, and gained a deeper understanding of what mortgage options are available to me - much more than I ever received from previous mortgages with one of the big five banks.

Michael and Kate V.