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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:

Mortgage Strategies for the Coronavirus Crisis

Monday Morning Interest Rate Update for March 23, 2020

Canadian mortgage rates surged higher last week, which surprised borrowers. In today's post I explain why that happened and offer advice to four different groups of borrowers on how to navigate through the COVID-19 crisis.

Read Post: Mortgage Strategies for the Coronavirus Crisis

Read What Dave's Past Clients Said

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.

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.

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.

 

Dave's exceptional level of knowledge and service gave my fiancée and I peace of mind during the home buying process. Dave was always friendly, accessible and proactive, and happily answered our questions when we had them. It was clear he cares deeply about his clients. I would recommend him to anyone!

Rob M. and Nicollette I.

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. 

Highly recommend working with Dave! He was very knowledgeable, patient with our questions- always delivering timely answers. He was exceptionally organized which was helpful to guide us through the process of our first mortgage.

Kerry and Donny M.  

Happy with the advice and options provided, not to mention expediting the process to get it done on time.

Gord W. and Marianne L.

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.

Dave was exceptional in his knowledge and experience regarding mortgages and is able to explain it extremely well!

It was great working with Dave and having his wisdom at our finger tips.

Mark H. and Catherine M.

You will not find a better rate. Anywhere. Our lawyer thought it was a typo.

Daniel & Brittany F. 

Dave was great to work with. He kept us well informed every step of the way and was very quick to get back to us with every question or concern that we had. Everything was clear and we felt very comfortable and confident up until we closed the deal on our cottage.

Tomas R. and Erin C. 

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.

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 Larock recently assisted me in obtaining first mortgage financing for my home in Calgary. I was very pleased with David's high degree of professionalism, and I found him to be extremely accessible whenever I had questions.

Glenn R.

We worked with David on our first home purchase. As we had not previously had a mortgage we had many questions and David was very professional and diligent in answering all our questions and assisting us in getting the right mortgage for us. We look forward to working with David in the future.

Ryan and Violeta S.

As first-time purchasers, we had a lot of questions and concerns leading up to the purchase of our home. From the first call with David, we were made to feel very welcome and at no time did we feel like a bother with our barrage of questions. David always replied promptly and with the answers we were looking for and would follow-up with phone calls if needed. He has a passion for mortgages and economic matters, evidenced by the informative articles and weekly updates on his blog. We have no hesitation in recommending him to anyone looking for a mortgage - for a good rate and strategic advice.

Raj B. and Megan M.

This is our second mortgage experience with Dave Larock. The first was a renewal in 2013, and the most recent was for a new home in 2016. We're satisfied in every way with Dave's negotiations on our behalf and with the two lenders we've worked with through him. Thanks, Dave.

Erika V. and David R.

David was prompt in his response to my many questions, and I feel went above and beyond what I expected - great service.

Jeanette L.

It was a pleasure working with Dave on our mortgage approval. He was very quickly able to understand our needs and provide a number of options for us to work with. He was constantly in communication with us throughout the process and provided his expertise where we needed it. Thanks Dave!

Chris S. and Jennie B.

We would work with Dave again and have already recommended him to a number of our friends. You wont find a better mortgage broker out there. 

Brad S. Niky R.

David Larock is an authority on mortgages. He demonstrated thorough knowledge of a complex industry and never over-promised. Would recommend and use again.

George M.

David was very professional and helpful during the whole process. It was a pleasure dealing with him.

Daniel G.

Dave is friendly and is always available to answer questions and give advice. Not only will he help you find the best product available for your situation, he will always keep and eye out for you, and let you know if conditions change and there is a better deal to be had. I will definitely recommend him to friends and family in the future.

William S.

Dave is a consummate mortgage professional. He understood our needs, found us a solution that fit the bill and skillfully navigated us through the process from start to finish. I'd highly recommend Dave and his team to anyone seeking to renew a mortgage or just looking for some sound advice.

Paul and Elizabeth H.

Dave is knowledgeable, passionate and thorough. The scope of service provided by IMP is truly remarkable. From the initial planning, viewing, offering and all the way until closing, Dave was there to help guide us to make the right financial decision. Beyond his guidance he was also able to secure a fantastic mortgage and rate - much better than we could have anticipated. We love using IMP as we learn so much from Dave! We have, and will continue to recommended him to many of our family and friends. Thank you!

Meagan B. and Matthew C.

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.

It took us 16 months to find our first home, buy it and close the deal, and David was there every step of the way. He always had time to answer our questions - and there were many, since we bought our home privately and chose a PPI (purchase plus improvements) mortgage. I do not think we would have felt confident proceeding with the private sale if we didn't have David behind us.

We knew he would catch anything we screwed up on, and of course he did. (He also caught a few mistakes made by our lawyer!) Both my partner and I felt that David was very honest, very unlike the mortgage broker stereotype. He explained everything clearly, and then re-explained it again and again when we forgot or when months went buy between houses we bid on. If ever we were uncertain about something an agent or lawyer told us, one of us would inevitably say, "Let's run this by David." Right up to closing day, he worked to make sure he got us the very best rate.

We are happy with our rate and lender, and have chosen to have David continue to act as our representative for the term of our mortgage. I would recommend David unhesitantly to family and friends. I can honestly say the experience was 100% positive, and I am not an easy person to please.

Amy D and James R.

It was really great working with David, he was responsive, worked hard to help us get the rate we wanted and very knowledgeable.

Sarah G. and Jeff F.

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


Avin and Carly B.