About David Clarke

David Clarke is an award-winning mortgage broker, owner of Clarke Mortgage Group, and author of Brokering Behavior.

Recognized among the top 5% of mortgage brokers in Canada and the recipient of multiple industry awards, David has built his reputation by taking on mortgage situations that don't always fit neatly into a box.

Specializing in rural properties, complex refinancing, debt consolidation, credit challenges, and unique financial circumstances, David is particularly experienced in navigating situations where multiple layers of complications make traditional mortgage financing difficult.

His approach goes beyond simply finding an approval. David believes in understanding the bigger picture, developing realistic solutions, and building plans that actually work for his clients.

That philosophy is also at the heart of his book, Brokering Behavior, which explores the relationships, challenges, and human side of the mortgage industry.

Known for taking on the complicated files and seeing the bigger picture, David's focus has always been simple: find a way forward, build a plan, and follow through.

Finding answers where others see dead ends

When I started out, I deliberately stepped into niches that other mortgage brokers avoided. I quickly fell in love with real, hands-on problem solving. Whether you are dealing with credit challenges, buying out a rent-to-own, navigating a messy divorce, settling a complex estate, or owning a rural property that lenders typically overlook, I take on the files that need real dedication.

Financing complex builds and rental portfolios

Beyond difficult refinancing situations, my experience covers multi-unit residential purchases and ground-up builds. I have stepped in when clients ran out of funds mid-construction to keep jobs moving, and helped first-time investors grow from a single rental unit into substantial real estate portfolios. Whatever the scale, we put the pieces together.

A straightforward approach with zero judgment

Walking into a traditional bank can feel cold and intimidating, especially when you are stressed about your home. My process is simple: you talk, I listen, and we make a plan. We lay every piece of the puzzle on the table, outline exactly what needs to happen, and get it done without pressure or complicated jargon.

Started with David in 2015 as new home owners. Still using David Clarke's mortgage services in 2025. We have not gone elsewhere because David has always been straight forward with us. I highly recommend. A ++++

Satisfied homeowner, Nova Scotia