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Integrated Mortgage Partners - GTA - Toronto

Welcome to Integrated Mortgage Planners

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 bloggers 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!

What Dave's Past Clients Said

Dave was a pleasure to work with! Knowledgeable, friendly and customer focused. I would not hesitate to recommend Dave to family and friends. 

Matt C. and Serina C.

From our first conversation a little over 3 years ago until today, David and his team have been amazing in answering all of our questions and offering best in class service. David and his team are friendly, well educated and took the time to treat us like family every step of the way and helped us get the best rate possible. The Integrated Mortgage Planners web blog and tools helped us with deciding and planning for a home purchase that was within our means, had us ready financially for the closing date, and kept us in the loop on any major changes coming up in the markets that might affect us. We will continue to use Integrated Mortgage Planners going forward and will continue to highly recommend them to anyone we know thinking about purchasing a home or wanting to get the maximum benefits from their existing mortgage.

Tony C. and Faye Y.

What a great experience! David was very knowledgeable, the whole time I felt like I was in great hands. Most importantly he was able to get me an excellent rate and total mortgage package. David kept in touch with me every step of the way and made getting a mortgage painless. I would highly recommend David and Integrated Mortgage Planners.

Joanne B.

David Larock was recommended to me by my agent at Realosophy. David was very prompt with his communications, and took the time to answer any questions I had about any and all parts of the process. I felt confident that the process of securing a mortgage was being well handled, and have no complaints. I did not have any doubts that David was acting in my best interests, and would happily recommend his service to family and friends. Thank you David.

Adam C. and Kadia P.

I contacted Dave regarding doing a vacant land purchase because I read his long weekend cottage woes blog in which he described his detailed knowledge of knowing exactly how to purchase vacation properties. The seller of the property I wanted had already told me there were several unsuccessful attempts at purchasing the property so I knew there was no point in just calling anyone. This property is water access, on a private lake, no power, no water, buildings of no appreciable value, a bit remote... a mortgage nightmare... Dave actually made the purchase seamless and seem easy. Awesome!

Ian C.

As a first time home buyer the process can be quite daunting, and we definitely had a lot of question. But having David Larock as our mortgage broker made the process a little easier. He is very approachable and answered all of our mortgage related questions promptly. He would call us often to check in and provide us with all the information we needed. Of all the people we worked with in the house buying process (real estate agents, lawyers etc.) he was the most helpful, and knowledgeable. I highly recommend David Larock. 

Kristin R. and Hope S. 

As a fellow mortgage agent I had the option of going through my own brokerage or letting Mr. Larock handle what I knew to be a relatively complex financing. Being familiar with his extensive background and relationship with lenders I opted for the latter. The mortgage was successfully funded, the customer service was second to none and the rate was the same preferential rate I would have received through my own brokerage. Thanks Dave.

Chris J. and Tanyss B. 

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. 

What is so great about working with David is that it genuinely feels like a partnership in which your needs are held in equal regard with the requirements of the mortgage provider. This means not only do you get a great deal. but you also get the product most applicable to your personal circumstances.

Nick and Stephanie Y.

Dave Larock provided exceptional service as a mortgage broker. I found his blog when I was researching different brokers. His educational background and years of experience really stood out to me. I appreciated his ability to provide comprehensive answers to my questions, including his analysis of the current economy. It was very helpful that his website allowed him to show me the numbers that backed up his answers. He was very reliable and always communicated clearly and promptly. 

Sarah S. 

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

Jon L. and Ann C.

Dave was a pleasure to work with and his knowledge and expertise saved us thousands of dollars on our mortgage transaction. Throughout the entire process Dave had our best interests in mind. He did regular follow-ups with us and when we weren’t sure whether to go fixed or variable, he provided an overview of the options and walked us through the pros and cons of each scenario. We are extremely happy with Integrated Mortgage Planners and we look forward to working with Dave in the future!

Richard C. and Wynsome W.

David was a pleasure to deal with, I look forward to using David again the next time my mortgage comes due. Thank you very much!

Wade and Lisa L.

It was an absolute pleasure working with David. He provided exceptionally clear explanations whenever we had any questions and followed up with us frequently with updates on the progress of obtaining our mortgage. My fiance and I would happily recommend him to anyone seeking a highly qualified mortgage broker.

Alex L. and Juri H.

It was a pleasure having David Larock represent me. He explained the mortgage details in a simplified and understandable way. He was quick to address situations that arose. When I had a concern he was quick to reply and insured I understood it completely before moving on. I would highly recommend David to other individuals and have done so already. 

Mike P.

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.

My wife and I had high expectations and David's level of service went above and beyond. His ability to walk us through the process and clearly explain our mortgage options made us feel confident in our home purchase and put us at ease through what is typically a stressful event. His follow through after the transaction was completed was also much appreciated. I would highly recommend him to anyone! 

Adam and Monika H.

David helped us navigate the complexities of setting up a new mortgage and was able to recommend options that helped maximize what we could reasonably borrow within our budget. He was very easy to work with and kept us informed throughout the whole application and closing process.

Monika and Adam H.

We were very happy to deal with David Larock for our mortgage needs. He worked very quickly to provide us with a mortgage pre-approval, and then found us a fantastic rate and made the whole process of getting a mortgage very pleasant.

Adele and Nichol R.

Dave is personable, thoughtful, and he sure knows his stuff. As first time homebuyers, we really appreciated Dave's advice— via email and phone for our specific questions, and more generally through his blog. He was quick to respond to any question or request we had, and kept us informed as we moved through the buying process. We'd definitely recommend homebuyers-to-be reach out to Dave.

Jonathan S. and Jacqueline A.

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.

David provided a wealth of knowledge to us as first-time home buyers, both over the phone and on his blog. He found us an amazing mortgage at a terrific rate!

Andrew R. and Miki A.


David made the process smoother and easier for us. As a first home buyer, he helped us understand the nuances of mortgage and explained everything with lot of patience. Big thanks for helping us with the process.

Kishore P. and Malati R.

David got me a fantastic rate. But that's only half the battle. One needs to have the right product for their financial situation and goals. Time was also taken to find a mortgage with the right terms (generous prepayment options, a non-punitive prepayment penalty, etc.). I also tend to ask a lot of questions. These were welcomed with patient and thorough explanation. Highly recommended!

Jeff N and Amelie B.

Dave Larock is a wealth of information when it comes to Mortgages. He was friendly and provided a very honest, reliable service that we were very impressed with. We have already recommended his name to our friends and will have no reservations at all regarding any of the services that he offers.

Vishnu P. and Sanjana S.

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.

David is a very informative and supportive mortgage broker who really knows his stuff and will find you the best mortgage for your needs.

Thomas K.

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.

Buying a home and signing up for a mortgage can be life-altering. You have to do your own research and educate yourself as much as you can, but you might still miss something. Therefore, I recommend allying yourself with a professional mortgage broker who has made mortgages and lending their career and who thinks of nothing else all day. Dave Larock is brilliant. He thought of strategies that I never would have on my own, and made the whole process extremely easy. He kept me informed and updated, explained everything patiently and thoughtfully. I'll definitely recommend him to my friends and family.

Raeid I. and Safiya K.

Working with David made getting a mortgage the easiest part of the whole house-buying process. He was amazingly helpful and responsive, and just a delight to work with. Even our lawyer was impressed by how efficiently he handled all our mortgage papers. The mortgage itself was also an excellent product that fit our needs. My brother sells mortgages for a big 5 bank, and he was very impressed with both the rates and terms we received.

Susan B. and Steve L.