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Mortgage Poll

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

Up more than 1% - 11.6%
Up slightly - 30.1%
No change - 36.5%
Down slightly - 13.4%
Down more than 1% - 1.9%
Don't Know - 3.4%

Total votes: 2531
The voting for this poll has ended on: April 1, 2022
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:

Canadian Inflation Stopped Cooling Last Month

Monday Morning Interest Rate Update for November 21, 2022

Canadian inflation levelled off last month. While we all hope it will resume a downward path soon, there are signs that it may take longer than expected.

Read Post: Canadian Inflation Stopped Cooling Last Month

Read What Dave's Past Clients Said

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.

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.

David and team helped us at every step of mortgage application. They were patient in explaining information needed along with follow ups for additional information. David also helped us with bridge financing which eased our overall buying experience. David kept us informed of changes to our application as it progressed through various steps including drop in interest rates. David got us the best rate in the market and I totally recommend his services.

Kaanu J. and Conrad D.

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.

 

This is our second time using David. David was instrumental in setting us up with the most competitive mortgage refinance and home equity line of credit. He asked all the right questions to ensure we were set up for success. We have and will continue to recommend David to everyone we know. It has been a stress free endeavour.

Cameron S. and Amy B.

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.

Amazing service! Dave did everything we hoped for, he kept my family stress free through it all and always updated us on everything! Thanks for the outstanding service!

Valentina M.

As a first home buyer, I had no idea what was involved in buying a house and getting a mortgage, but Dave made the whole process so easy and smooth. He answered all our questions quickly, was always available to help, and really did all the work for us. He even managed to score us a last minute rate cut! Highly recommend!

Daniel G and Isabel K.

My wife and I got Dave's name from our realtor. We have dealt with mortgage brokers in the past and didn't find them very helpful. Our impression changed completely after one phone call with Dave. He was very knowledgeable, patient, attentive, and personable. Dave also gave us a strong sense that he really wanted to find us the best mortgage possible. When we ran into some difficulties closing on our house, Dave went above and beyond to ensure that we were successful. He provided us ongoing updates and clear/helpful advice throughout the process. We are also very pleased that Dave will continue to work with us in the future to ensure that we continue to have the most competitive mortgage possible. He is a valued member of our team!

Joseph and Jen K.

David was a pleasure to deal with in what was an otherwise difficult process. He was always responsive and willing to take the time to thoroughly answer questions. And when issues arose, he worked hard on our behalf.

Tim S. and Katie D.

Dave is an incredible mortgage broker. We really appreciated the time he was willing to spend answering all of our questions as first time buyers. It was nice to know we had someone to turn to that we trusted.

Brendan C. and Clare T.

Dave was phenomenal! He educated us on many aspects of home buying and financing and made a stressful experience a lot more easy. Thank you!

Kaki N. and David B.

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

Jon L. and Ann C.

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 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.

Dave made the process relatively painless especially as we were dealing over long distances with time differences. He made himself available and worked with our busy schedule.

Allison M. and Robert G.

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 made the intimidating process of applying for a mortgage easy and approachable. I am so grateful for his honesty, patience, and perseverance in finding me an optimal mortgage.

Syena M.

As a first time homebuyer David was a dream to work with. He made the process of buying a home and working through the paperwork an absolutely pleasure.

Mohamed G. 

David was just excellent to deal with. Extremely knowledgable - a world of info, efficient, and always one step ahead. Not pushy, he was honest. Simply awesome to work with.

Dr. Demetrios S.

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.

Service was exceptional - very knowledgeable, always responsive and attentive, and provided quality guidance and alternatives to work through a number of complications during a very unique and long process. We have already recommended Dave to friends and will absolutely be back for any future mortgage needs.

Tim B and Stephanie O.

This was my first time buying a house on my own. David was a fantastic resource, he patiently walked me through every step of the transaction making the learning curve easy to handle. He was positive and professional throughout.

Margaret L.

I was ready to purchase my first house and finance through my bank until a friend of mine recommended I talk to Dave to find out more information. The bank rep had very few answers to a lot of questions and seemed more like a sales representative than a mortgage specialist and left me worried about everything I was doing. Sitting down with Dave for 30 minutes, he cleared up every one of my worries, explained how the entire system and process works and was always there at my call to keep me informed. On the final days before closing, I got an e-mail saying he had found a better rate for me, and I locked it at the lowest rate I could ever think of finding. I really appreciate all the help I received from Dave and without question, will recommend him to everyone who needs a mortgage!

Drew B. and Jennifer C.

 

 

 

 

Dave is very knowledgeable and diligent with his follow-ups. I would highly recommend IMP.

Ali K.

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.

Well. My real estate deal was beginning to crumble within the last week of closing. The stress was building. People weren't cooperating. My agents were disagreeing. But through it all David and Melanie were there when I needed an answer or explanation or an opinion. Dave was very organized which made things so clear and simple, in what seemed a very complicated process. And when conflict arose and the winds started blowing, Dave remained professional and personal, an impressive balance. Things were getting pretty bad at one point where I started doubting the people around me and was preparing for the worst. "This deal is going to fall apart and I am going to end up in court and lose a lot of money..." But Dave just kept pushing ahead no matter what obstacle presented itself. He always kept me well informed of my options and gave me a clear picture of what was happening. He didn't hide things, either good or bad. I was confident he had my best interests at the forefront throughout this experience. And Melanie was a cool gentle breeze on a hot sweaty day (which they were, I worked outside) always so kind and calm and ready to help. Thank you Dave for standing firm and allowing me to lean on you so heavily in "the perfect storm." You were more than a mortgage agent, I feel like we re companions after a long adventure. I'm kinda sad we won't be talking anymore lol. May God bless you and Melanie. Thank you (bows low in respect and gratitude).

Derek and Angelyn C.

The whole experience from start to finish was wonderful. Dave and his team were very patient and informative. I would recommend their services to anyone looking for a mortgage. Thanks!

James C.

Dave and Melanie got us a great rate and a mortgage with the flexibility we really needed. They also addressed my multiple questions in a clear and concise manner simplifying what can otherwise be an intimidating process.

Chris J and Tanyss B.

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.