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Mortgage Poll

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Integrated Mortgage Planners - GTA - Toronto

If you want independent mortgage advice from a long-time industry insider about purchasing, refinancing or renewing, I can help. I am one of the most active mortgage brokers on the internet 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:

A Detailed Look At Canada’s Mortgage Stress-Test Rate

Mortgage Rule Changes for November 13, 2017

Today’s post looks at the Canadian mortgage stress-test rate, which has quickly become one of our most important financial benchmarks.

Read Post: A Detailed Look At Canada’s Mortgage Stress-Test Rate

Read What Dave's Past Clients Said

Dave Larock was fantastic to deal with. What a professional. Eden & I were very happy with his services.

Les K. and Eden P.

I have been a real estate agent for almost 10 years now and over that period of time I have come into contact with countless mortgage brokers, none of which match the knowledge and service level of David Larock! I have already recommended him to all of my clients and family members who have been extremely satisfied. I recently used David to arrange my own mortgage and wouldn't think of using anyone else.

To put it simply, he's the best.

Jamie S.

Dave Larock did a great job. Did what others could not do. Great to deal with. 

Nathan M. and Julia G.

We received truly exceptional service from Dave and Integrated Mortgage Planners. Our situation was slightly unusual and he held our hands through the entire process and was always available to discuss any matter, however small, and whatever the time of day. Dave was also happy to answer hundreds of questions about the process itself - sometimes twice!

Without any prompting from us he ensured that our pre-approved rate was the best it could be and if he saw something better, he often re-negotiated for us long before the existing rate expired. In fact, we got a call the day our deal closed to say that he'd re-negotiated that morning and saved us yet another .1%.
The service was excellent, his knowledge invaluable and the whole process a total pleasure.

Sarah N. and Stuart L.

David: You proved yourself invaluable when an obstacle was thrown in to the process. Your knowledge, matter of fact approach and ability to adapt, I believe, was truly above and beyond what would be reasonable to consider good service. It is during the difficult moments that the exceptional show themselves and you have earned our trust unequivocally. Yours truly, Owen & Jessica.

Owen R. and Jessica D.

We worked closely with Dave at Integrated Mortgage Planners over many months to achieve the lowest rate and best mortgage product catered to our needs. Dave removed the 'worry' from our mortgage planning by consistently providing options from the entire mortgage market, not just one branch's 'special' offers.

Andrew B. and Karen M.

 

Dave - I am very happy that I met you in person after reading one of your articles online. The discussion we had in person and the reading of your blog helped me tremendously in terms of equipping me with the key information on making that mortgage decision. My advice to somebody hunting for a mortgage would be to deal with somebody like Dave who is very knowledgeable, upfront, efficient and who can offer you meaningful options for you to choose from rather than your neighborhood bank's representative whose only option/agenda is to offer/push the one product they have. Thanks.

Vijay B.

Working with Dave was an outstanding process. He is extremely knowledgeable and professional. On top of good customer service, he seemed to deliver an exceptionally competitive rate with the bank employee being surprised at how low our rate was. We were a small client but we did not feel that way. We would certainly be comfortable to and have recommended Dave to our friends and family. 

James W. and Myrianne B.

Dave made getting our first mortgage easy and stress free. He was friendly, courteous, knowledgeable and ready and able to answer any questions that we had. I wouldn't think of using anyone else in the future to deal with my mortgage and I wouldn't hesitate to recommend Dave to anyone seeking a mortgage.

Nick and Ben C.

I would strongly recommend the services of Dave Larock and Integrated Mortgage Planners without hesitation. They were able to effectively deal with a very complicated financial situation and create attractive and workable mortgage and financing options on an expeditious basis. We felt extremely comfortable in Dave's hands throughout the financing process and the final result certainly illustrated how valuable Dave's services had been.

Sean K. and Michelle D.

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. 

Not only were we provided with the best rate and exceptional service, Dave took the time to educate me on the different types of mortgages. Being new to mortgages, learning about the different types of mortgages was extremely valuable. We truly appreciate all of Dave's help. Thanks.  

Peter H. and Melissa C

Dave was very knowledgeable and pleasant to work with. He advocated for us throughout the process and thanks to him, our mortgage application was approved lightning-fast. We would definitely recommend him to anyone looking for a mortgage.

Eric and Anne J. 

I needed a low interest rate mortgage and terms to suit my retirement income. Dave worked diligently sourcing all possible avenues. He kept me up-to-date, calling promptly and taking extra steps to research the unique conditions with my condominium building. He has an extensive knowledge of mortgages and the real estate market. Because of his expertise, I have a mortgage suited to my needs. Dave was such a pleasure to work with and his professionalism far exceeded that of anyone I have worked with in the past. I would not hesitate to recommend Dave to my family and friends.

Mary Ann C.

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.

From our initial contact with David, we knew we did not have to shop around for other lenders. David was very prompt, professional, and most importantly very very patient. As a first time home buyer, we had many many questions and David took the time to answer them in layman's terms yet in detail. David went so far as to work on our application even while on vacation which we truly appreciated. We would rate David 11/10 and will be recommending him to family and friends. Thank you for everything David!

Saq & Natasha R.

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.

The service level I received was above excellent. David was exceptionally friendly and knowledgeable. We ended up getting 2 mortgages (my daughters) and a line of credit. In an era of average at best customer service David should be giving lessons as the entire experience from start to finish was outstanding. We will be recomending David to friends and family.

Marc C.

David was tremendous to work with. We had a long history with the big banks and realized we were paying more then we needed to, and getting inferior service. David answered all of our questions, provided constant updates throughout the process and it seemed like every time we spoke prior to closing he was saving us more and more money. To be able to complete all of the lending process in the comfort of our own home compared to going into a bank was a refreshing change. We will definitely be using David again in the future.

Bill and Julie C.

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.

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.

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.

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.

My real estate agent recommended Dave for my mortgage needs. I didn't realize what a professional I was getting. Dave was very helpful and always had answers to my questions. He was proactive, even responding to questions while he was on a brief summer vacation. I highly recommend Dave.

Jane A.

“This was the first time that I was involved in negotiating a mortgage on my own, and I felt that Dave Larock was patient and understanding of my needs. I feel confident that the advice that was provided to me was the best possible and that with Dave's help I was able to secure a favourable mortgage rate with terms that work best for my needs.”

Susan B.

As a first time homebuyer, it was important for me to work with a mortgage broker that was a good communicator and well experienced. Dave is exactly that. He's also got great energy and enthusiasm for his field, which made the process less daunting. Right from the start, he broke it all down for me, without any jargon, laying out everything I'd need and should expect. If I ever had questions, I'd just shoot him an e-mail, and he'd get back to me inside of 10 minutes. His attitude and professionalism made the process very straightforward and I never felt stressed. I highly recommend Dave and will be happy to work with him again. 

Nadia B.

As a first-time home buyer, the whole ordeal can (and did) feel overwhelming and intimidating. Speaking with Dave Larock just opened my eyes and helped me understand everything I was getting into. I had previously spoken to another mortgage broker from another company who was also helpful but Dave's thorough walk-throughs with me, breaking down every step, procedure, definition, and questions for me allowed me to breath easier through this, let's face it, life-changing moment. He also helped me realize there are other options and better deals out there which he helped me find. Thank you so much for turning this naive first-time buyer into a confident home owner!

Michelle V.

David provided exceptional service when we had to renew our mortgage. He was knowledgeable and clearly outlined our best options to help us make a decision we are confident in. He responded quickly to our questions, was organised and problem solved all issues that arose immediately. He made what is often a stressful experience go smoothly.

Jenny and Christopher S.

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. 

David was our advocate every step of the way negotiating with a difficult and sometimes unreasonable lender. In the end, he helped us get an amazing rate and a seamless closing of our new house. Thank you so much.

Sanders P. and Karen C.