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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:

Denmark Introduces the First Mortgage with a Negative Interest Rate

Monday Morning Interest Rate Update for August 19, 2019

Global bond yields continued to plummet last week and Denmark launched the first negative interest rate mortgage. In today's post I explain how this will likely impact the Bank of Canada's thinking.

Read Post: Denmark Introduces the First Mortgage with a Negative Interest Rate

Read What Dave's Past Clients Said

Working with Dave was an absolute pleasure, our experience was top-notch and we knew we were in great hands. He gave us smart advice, got us a great rate, made our renewal so easy, I would recommend him to anyone.

Doug P and Natalie C.

David provided us with expert advice and sound options throughout the purchase and financing process for our new home. It's a time in life when you need exactly that. Thank you David!

Norm and Linda C.

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

George M.

Dave Larock was wonderful. He made complicated concepts easy for us to understand. His incredible knowledge of how the market works was invaluable as we navigated selling our condo and buying a house. I recommend him without reservation. We'll never go to anyone else.

Jenny C and Hugo L.

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.

2nd time working with Dave...would never ever consider going anywhere else. Thanks again Dave!

Jon L. and Ann C.

Words can't express how grateful we are that we had Dave on our team to help with the purchase of our new home! Not only did he help secure us a great mortgage, he was attentive, easy to communicate with and extremely helpful along the way. Thanks Dave.

Rebecca and Steven K.

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.

Amazing service. It was really quick and David knew exactly what he was talking about and most importantly delivered everything that he promised. This was my second time dealing with a broker and the experience from previous was night and day. David was polite, straight forward and didn’t waste any time. Also he submitted it to only one institution and not multiple- so credit didn’t get dinged.

Ash B. and Umee S.

What is so great about working with David is that it genuinely feels like a partnership in which your needs are held in equal regard with the requirements of the mortgage provider. This means not only do you get a great deal. but you also get the product most applicable to your personal circumstances.

Nick and Stephanie Y.

We have used David's services twice and both times he has exceeded our expectations. He's an absolute pro who is clearly passionate about what he does. David most recently helped us realize our dream of owning a cottage. David's high-touch service level and expertise can't be beat.

Autumn and Matt P.

Dave Larock provided us with expert advice and outstanding service. We have already recommended him to friends, and will continue to do so.

Klaas and Mary Beth K.

I can highly recommend David Larock and his team, having just renegotiated my mortgage through them. I'm extremely satisfied that I got the lowest rate possible, as well as good honest advice on how to best structure the payments. I had been reading David's blog for years before contacting him, and am very glad I did. It's a rare pleasure these days to deal with true professionals that really know their business.

Anthony P.

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.

Our Mortgage Broker David Larock is fantastic at what he does. In addition to just helping us get our mortgage for our home, he also keeps us up to date with a quarterly newsletter that provides in-depth insight and advice about mortgage planning. I can not speak highly enough of his thorough, professional and personal work.

Jim D. and Laura H.

 

“It was a pleasure working with Dave. From our first conversation, he was extremely helpful, diligent in ensuring I fully understood all my options, and worked with me to get the best rate etc. that suited my needs. Excellent at keeping in touch throughout the process and ensuring I was comfortable with each piece of the decision making.

I would highly recommend Dave and Integrated Mortgage Planners to family and friends. In addition to his friendly disposition and knowledge of the industry, he certainly made the process seamless and effortless on my end.

Thank you.”

Rachel F.

Dave Larock helped us obtain our mortgage for our first home. Dave was easy to communicate with and always responded in a timely manner. He is knowledgeable and provided us with all the information we needed to select the best mortgage product for us. Also, Dave has access to a large selection of mortgage providers, and was able to get us an excellent rate! We would definitely work with Dave again for future mortgages and highly recommend his services.

Travis P. and Jennifer N.

David Larock exceeded all expectations at every turn. To close my rental property purchase on time, David needed to expedite a re-finance deal by multiple days, and leveraged his existing relationship with the lender to do so. Also, when the lender charged me an unwarranted penalty for changing the terms of my existing mortgage, he immediately had the situation rectified. I will undoubtedly recommend David to friends and family who are seeking mortgages.

Dale C.

Dave's friendly, knowledgeable and prompt approach to customer service and mortgage planning make it easy for us to know we'd call him again in the future and recommend him to anyone looking for an excellent mortgage broker.

Ian B. and Cori. M.

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

Priyanka and Indrayudh G.

Working with Dave was pure gold. Easy, clear and effective communications and he secured me an unbelievable rate. Top marks all the way around. Highest recommendation. Thanks Dave!

Graham 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.

Dave was fantastic in answering all my questions and concerns and he provided a great depth of detail when asked.

Amedeo V.

Dave was great to work with during the purchase of our first home. He is very knowledgeable and did a great job to walk us through the entire process.

Becky E. and Yanni S.

David Larock was a pleasure to deal with, he really came through for me where others couldn't. David was very patient with me and answered all my questions. I am so happy I got in contact with David and I will definitely recommend him to all my friends and family.

Eli and Malka J.

Excellent service! David always responded quickly with clearly laid out instructions and information. He consistently made time to talk on the phone and was thorough in answering all questions. Thank you for making this process so easy!

Uros and Dina M.

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.

I had my pre approved mortgage with my bank and I just wanted to double check the terms with Dave Larock, and that happened to be the best choice. We discuss all the terms, he explained everything clearly and gave friendly advise wherever was needed. He kept us updated on a daily basis and we have finished all the process with the great feeling of saving several thousand dollars. If we ever go for another mortgage we know that Dave will be our man.

Jesus G. and Esther P. 

Working with David was a pleasure. He was extremely well informed and worked diligently to find the best mortgage possible for me. He was also very thorough and patient in exploring all options on my behalf. As a real estate agent I have dealt with many mortgage professionals and I would not hesitate to use David again and I recommend him to my clients with confidence.

Megan T.

David's extensive knowledge and years of experience, along with his personal relationships with lenders, underwriters and other professionals in the mortgage industry ensured that the lending process was easy and smooth and that any snags along the way were handled in the most efficient and convenient way.

Eugene R. and Patricia D.