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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:

Gas Prices Are Going Nuts (In Case You Hadn’t Noticed)

Monday Morning Interest Rate Update for June 27, 2022

Today's post takes a detailed look at last month's inflation data and outlines the implications for Canadian mortgage rates.

Read Post: Gas Prices Are Going Nuts (In Case You Hadn’t Noticed)

Read What Dave's Past Clients Said

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.

We have used David twice now and found both experiences to be terrific. David is always available, always has options and answers and without a doubt is committed to providing a truly high level of service. Until next time! Owen

Owen R. and Jessica D.

David Larock was an incredible resource and someone I felt I could trust the moment I spoke to him. He made everything easy, got me a great mortgage rate and guided me expertly through the approval process. I would work with him and recommend him in a nanosecond any time the opportunity presented itself to me.

Karen G.

Dave Larock is a pleasure to work with and I would recommend him to anyone. He was incredibly responsive, very knowledgeable, and supportive through the whole process. As first time home buyers, we were initially overwhelmed with buying property but Dave took every step to ensure that we were comfortable financially and worked very hard to secure an attractive mortgage rate.

Alex M. and Kristina S.

Dave was a great help in arranging our co-ownership mortgage for us, and walking us through the process. He was in frequent contact so we knew what was happening at all times. We highly recommend Dave's services.

Laura R. and Martin W.

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.

Dave's service as outstanding and we will for sure ask for his services in any mortgage related transaction. He has the experience of having worked in large banks and at the same time he provides you with a very personalized service. After we obtained our mortgage, we were informed by our lawyer that we needed bridge financing. This was one week before the closing. We told dave what was going on and he took charge of the situation immediately. In other words, we knew he was going to have this solved and in fact he did. That is great service to us. Thank you Dave for all your assistance.
 

Veronica P. and John C.

David was very competent and helpful. The whole experience was worry-free and sweat-free for me. I was definitely in good hands and I would definitely recommend him to my family and friends.

Jinah P.

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.

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.

Dave is very knowledgeable and kept us updated throughout the process. It was a pleasure working with him!


Avin and Carly B.

The resources and advice Dave gave to us on the website and throughout our mortgage application process were instrumental in building our understanding of the options, considerations, and ultimately helped us make a confident and informed decision about the type of mortgage we purchased.

Galen M. and Bernice T. 

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

Priyanka and Indrayudh G.

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.

Dave was an excellent asset in navigating the crazy process of purchasing and financing a home in Toronto. We would recommend him anytime to our friends and family. Thanks Dave!

Devin and Jennifer K.

 

Well :-) This is my second time going with Dave. As usual he was very informative. And I felt he was more interested in my well-being than my money. Everything went smoothly. Communication was clear. Process of getting things done was straightforward and simple. Everything went very well. I appreciate Dave's knowledge and integrity and commitment. Thanks again Dave :-)

Derek C.

Dave was fantastic to deal with! Super knowledgeable and helpful - especially for myself, a first time home buyer, learning how to make the best mortgage decisions. I would highly recommend Dave to my friends and family and look forward to his continued great service for my existing mortgage. Thank you Dave!

Kimberley S.

By the end of our first meeting, I knew I was in the presence of a knowledgeable professional. David listened and was engaged in understanding my financial needs. He clearly communicated all the required details and "next steps" and I felt very supported throughout the entire process. I would recommend him to any of my friends or colleagues.

Allison P.

David & Melanie, You both were saints working to assist my wife & I get financing on our first home with our quick 3 week closing time frame. This was combined with the industry switching to remote April 2020... I really don't know how you two did it. We are both extremely grateful for your solid advice & working around the clock to get us our dream home!

Brendan and Amanda C. 

If you are looking for someone to help you get a mortgage, or refinance, Dave is your guy. He's smart, he's determined, he explains everything clearly, and he stays close through the whole process. I had a rather unique and challenging situation, but Dave took it on with relish, and found me an amazing deal in very short order. I highly recommend Dave and team -- trust me, you will not be disappointed.

Eunice M.

Dave was amazing, very responsive and very knowledgable. Dave inspired confidence and made the process so easy for me. Thank you so much!

Kevin W.

Dave's knowledge and passion in the mortgage business is exemplary. He was patient in understanding our needs and customizing a solution to meet our needs. I have no hesitation in recommending Dave to my family and friends.

Varun and Jessy B.

This was my third mortgage, and first time working with David, and he was by far the most knowledgeable and trustworthy person that I've dealt with. I highly recommend to anyone. Just get on the phone with him for 10 minutes, and you'll know exactly what I'm talking about.

David P and Natalia V.

Dave is a great mortgage agent. He looked out for our needs first as they were very specific; requiring a short term mortgage, a construction mortgage, and construction take out mortgage for a self-build home, all within 12 months. Given the limited number of products out there, from expensive private funds to limited LTV mortgages, he was able to craft a solution for all three needs with market products at market rates. I highly recommend Dave, from simple needs to the complex.

Alvin and Erin W.

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.

It was such a pleasure working with Dave! He was responsive and attentive throughout the process and I always felt like I was in great hands. Dave took the time to explain all the options available to me and patiently answered the hundreds of questions I had! He was frequently in touch to update me on the progress of my application and made my first time home buying experience surprisingly painless. I would absolutely recommend Dave to anyone looking to buy a home.

Kendall S.

David was wonderful to work with. This was our first mortgage so we had a lot of questions, David answered all of our questions quickly and thoroughly. I would definitely recommend working with him.

Katlynn P.

We came to work with Dave through a referral from a close friend that has worked with Dave on several mortgages for his home and rental property. Dave's knowledge about mortgages far exceeded our expectations. We were continually impressed with his level of professionalism, creativity in finding the right fit for us and his integrity. Dave and his team did everything they could to ensure our needs were met and that we had all of our questions answered. It was a welcome and refreshing change from our big-bank experiences in the past. We would highly recommend Dave and his team to any friend or family member.

Jacquelyn C. and Anthony S.

David was very professional and advised us on how best to handle a unique mortgage renewal situation we had. In addition he got us a better than expected rate by going to a non-bank lender. We have already recommended David to a co-worker.

Mike and Joanne K.

Very helpful and enjoyed working with Dave. Got us a great rate and navigated some difficult issues with ease thanks.

Craig and Victoria G.