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Mortgage Poll

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

Up more than 1% - 9.9%
Up slightly - 30.6%
No change - 38.2%
Down slightly - 13.5%
Down more than 1% - 2%
Don't Know - 3.5%

Total votes: 2154
The voting for this poll has ended on: April 30, 2019
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:

The Slam Dunk Mortgage Option Right Now (and a Warning about HELOCs)

Monday Morning Interest Rate Update for April 6, 2020

If you need a mortgage now and you don’t already have a commitment in place, a variable rate seems like the clear choice. Today's post explains why.

Read Post: The Slam Dunk Mortgage Option Right Now (and a Warning about HELOCs)

Read What Dave's Past Clients Said

As a fellow mortgage agent I had the option of going through my own brokerage or letting Mr. Larock handle what I knew to be a relatively complex financing. Being familiar with his extensive background and relationship with lenders I opted for the latter. The mortgage was successfully funded, the customer service was second to none and the rate was the same preferential rate I would have received through my own brokerage. Thanks Dave.

Chris J. and Tanyss B. 

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. 

Dave Larock was very helpful. Even though we are not located in the Toronto area (Montreal), we received excellent service all by phone and email. I would recommend Dave to others who are looking to buy no matter where they are located in the country.

Michael E. and Madeline C.

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.

As a first time home buyer and new to the world of mortgages, Dave was so knowledgeable, approachable and easily reachable during my pre-approval process. I had a million questions, but no questions were ever stupid and he really held my hand throughout the whole learning process...I was certainly not one of his million dollar mortgage clients, but I sure felt like one considering the amount of time he spent on my application.

His mortgage update newsletters are highly informative and useful as well. In fact, his blog/newsletter is what made me feel good about going with him because his ability to forecast and/or give recommendations didn't seem to be based so much on sales tactics but on sound economic principles/knowledge and on significant real estate/mortgage industry knowledge.

I have already recommended David to my friends and I'm a client for life now!

Esther H.

Dave and Melanie went above and beyond to help us in the process of getting our mortgage. Dave is very knowledgeable and we learnt a lot with him and his posts. I will definitely recommend him. It is worth to get to know your different options and conditions so you can make an informed decision on your mortgage.

Manuel L. and Maria G.

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.

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.

I wouldn't hesitate to contact David again for mortgage. He can get best rates in the market, and is so patient explaining all details in simple understandable way.

Elijus U. and Vaida U.

Dave was amazing! We had a fairly complex mortgage and he was proactive in thinking through questions that my husband and I would have even before we had them. He called me every couple of days to keep us in the loop with what was happening behind the scenes. He was fantastic to work with!

Janet and Tim S.

 

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.

David was a pleasure to work with, always easy to get in touch with and happy to make time for us. He answered all of our questions, proving additional resources where needed. He worked quickly for our short time frame, got us a great mortgage, and left us feeling very confident about our decisions. We would highly recommend David and look forward to working with him in the future.

Martin and Johanna S.

Dave Larock is a terrific broker - he is extremely knowledgable, dedicated, and patient, and he made the first-time home buying experience so positive for my partner and I. He made us feel confident and at ease the entire time, and was incredibly responsive throughout the process, consistently going above and beyond to find us a great rate and make sure we understood all our options. We would absolutely work with him again!

Grace O.

During the process of obtaining a new mortgage, David Larock was tireless in his pursuit of the best possible deal. Although there were a few unexpected obstacles along the way, Mr Larock maintained his drive, his sense of humour and worked extremely hard to get the deal done. I will recommend the services of Integrated Mortgage Planners to family and friends, and I am sincerely grateful for the effort made on my behalf.

Chris S.

We are so thankful that we found Dave and Melanie to assist us with our house purchase. The house search has been a long process for us and Dave was available to answer all our questions right from the very beginning. We spoke to a few mortgage brokers/bank reps during our search but we found Dave to be the most patient, available, approachable and trustworthy. He provided us with different options, his recommendations and pros/cons of each, not to mention the lowest rates available. We truly felt that he cared about us as clients, not just as another number on a piece of paper. We've already recommended him to friends and family and will continue to do so!

Matt and Janice A.

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

Aaron and Lisa D.

David is wonderful. He was always very clear in explaining the pros and cons of the various available mortgage options. He was always prompt in responding to questions. He was professional and pleasant. I highly recommend David as a mortgage broker.

Dale M.

Working with Dave was the best part of buying a house. He is knowledgeable and explained things clearly and as many times as we needed to hear them. He was available whenever we reached out, which was often at odd hours, and got us a great rate. We could not be happier with his services or recommend him more highly.

Heather C. and Brendan H.

We used Dave and his company for our financing and renewal of the mortgage. Dave was super friendly and very patient and assist us through the whole process effectively without even attending his office. All was done through email and his staff was also knowledgeable and friendly to deal with, better than banks in my opinion. Will recommend to others and would love to work with him again in future.

Tam N. and Gwenael P. 

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.

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.

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 great. Always available and very fast. Explained everything. Blog articles very helpful too. Great for a first time mortgagee. Would use him again for sure. Oh yeah, and best rate out there.

Chris and Anne-Marie S.

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 Larock far surpassed my expectations. He guided me through every step of the process professionally & with a great sense of humor. He wisely counselled me in a very stressful situation. I cannot say enough about the excellence of his service, his understanding & unending patience & his ability to advise me with the various options I had. Not only will I recommend him to my clients but I will certainly use him myself wherever & whenever possible. An absolute pro!

Faith G.

I had not dealt with a mortgage broker in 7 years and had forgotten everything! I was grateful that Mr. David Larock was both knowledgeable and personable in helping me navigate the procedures and intricacies of the forms and regulations. AND I was encouraged to check out other sources for rates and payback options...but I had already found the best rate and the best options. Thank you!

Gabriele H. and Jonathan B.

"David was an incredible support and point of reference throughout this whole process. With our less-than-traditional situation, which potentially could've been an impossible one, he made it happen as promised. On the other hand, he never gave us false hope or halved information. We always felt that we were fully informed and well cared for.

Thank you!"

Michelle and Giuliana D.

Dave made the entire process amazingly accessible! We were first time buyers with a tight deadline and almost no knowledge on what the process entailed. Dave's friendly informative and quick approach was invaluable. Can't recommend him highly enough.

Alex I. and Cassandra G.

Dealing with Dave is always seamless on his end, I appreciate his level of effort and attention to detail.

Albert B. and Shelley R.

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.