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Mortgage Poll

Which way do you think interest rates will trend in the next 6 months?

Up more than 1% - 8.5%
Up slightly - 27.3%
No change - 42.4%
Down slightly - 14%
Down more than 1% - 2.3%
Don't Know - 3.5%

Total votes: 1727
The voting for this poll has ended on: April 29, 2016
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 made the entire process amazingly accessible! We were first time buyers with a tight deadline and almost no knowledge on what the process entailed. Dave's friendly informative and quick approach was invaluable. Can't recommend him highly enough.

Alex I. and Cassandra G.

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

Nathan M. and Julia G.

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 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. 

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.

We were very pleased to arrange our mortgage with Integrated Mortgage Planners. Dave knows his stuff, explained mortgage options in a simple and straightforward manner, and ultimately directed us to the product that was best-suited to our needs. He was very responsive and took the time to make sure we had all the information we needed. We would highly recommend Dave and Integrated Mortgage Planners to anyone looking for a knowledgeable broker who they can trust to get them the best mortgage out there.

Rick S. and Anne T. 

Working with Dave was by far the smoothest part of our home buying experience. A couple of exceptional circumstances on our end may have made securing a mortgage a bit difficult - Dave went out of his way to find a solution that worked and did so without any extra stress to us. He ensured we understood the process and no question went unanswered. His level of commitment to his customers is second to none and he gave every confidence that he would find the best solution for our needs. Dave is a real pleasure to work with - I would work with him again any day and highly recommend him for anyone with mortgage needs.

Vicki and Rachel F. 

David was a pleasure to work with, always easy to get in touch with and happy to make time for us. He answered all of our questions, proving additional resources where needed. He worked quickly for our short time frame, got us a great mortgage, and left us feeling very confident about our decisions. We would highly recommend David and look forward to working with him in the future.

Martin and Johanna S.

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.

I'm very glad I used Dave as my mortgage agent. As a first-time home buyer, I had a lot of questions about mortgage rates and the financing process in general. I found Dave to be very knowledgeable and quick to respond to e-mails and calls, which made obtaining a mortgage the least stressful part of closing on the property. I would definitely recommend Integrated Mortgage Planners.

Mitch L.

I was ready to purchase my first house and finance through my bank until a friend of mine recommended I talk to Dave to find out more information. The bank rep had very few answers to a lot of questions and seemed more like a sales representative than a mortgage specialist and left me worried about everything I was doing. Sitting down with Dave for 30 minutes, he cleared up every one of my worries, explained how the entire system and process works and was always there at my call to keep me informed. On the final days before closing, I got an e-mail saying he had found a better rate for me, and I locked it at the lowest rate I could ever think of finding. I really appreciate all the help I received from Dave and without question, will recommend him to everyone who needs a mortgage!

Drew B. and Jennifer C.

 

 

 

 

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.

David Larock was a pleasure to deal with. He provided us with good advice and explained every detail to us very clearly. We honestly felt he had our best interests in mind. 

Marco and Tanya 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.

Excellent service and communication. Several of our friends have worked with David, and we were delighted by his level of service and straightforward recommendations.

Colin and Michelle C.

We are so pleased with our experience with David Larock. He made our stressful loan application into a manageable situation and with great results. We highly recommend Integrated Mortgage Planners and specifically David Larock to everyone. He can make an impossible situation possible.

Erika and Gus P.

I had not dealt with a mortgage broker in 7 years and had forgotten everything! I was grateful that Mr. David Larock was both knowledgeable and personable in helping me navigate the procedures and intricacies of the forms and regulations. AND I was encouraged to check out other sources for rates and payback options...but I had already found the best rate and the best options. Thank you!

Gabriele H. and Jonathan B.

We just completed our second renewal with David Larock and could not be happier with the service he provided. Dave quickly responds to requests for information and explains things clearly. We have recommended his services to others and will continue to do so in the future without hesitation.

Tanya and John N.

I've done two mortgages through David now. Always there when you need him. Would recommend him to all my family and friends. Use him.

Matt S. and Cheryl F.

 

I'd definitely recommend Dave Larock to whoever is in the market. He got me the best mortgage rate in the market with a reliable lender. I got my mortgage and refinance done from the comfort of my home and this was all done in just over a couple of weeks' notice. He delivered what he promised.

Anuj and Madhur S.

As first time home buyers, we greatly appreciated David's expertise and the time he took to go through all the details with us. He kept in touch with us throughout the process and got back to us quickly when we had questions. It was reassuring to us to know that we were working with someone who had our best interests in mind. 

Mark K. and Eilis K.

Dave was both super knowledgeable and super responsive. He quickly and clearly answered any questions I had about the process, and felt confident that we were in good hands from the beginning of the process through closing. I'd happily recommend Dave's services to anyone.

Shane and Hilary B.

Dave is amazing to work with! He's extremely knowledgeable, very helpful, patient and always there whenever I had a question or concern no matter how big or small. Even if there were no updates, he still kept in touch. He's the kind of person you would want to walk you through the mortgage process. I would DEFINITELY recommend him to my friends an family. Thank you so much Dave! I appreciate everything you've done for me!

Andrea F.

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

Daniel G.

I have used the services of David for two mortgages and recommended his expertise to family and friends. I have great confidence in his knowledge, expertise and, most important, ethics.

Catherine M.

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. 

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.

Dave Larock helped us obtain our mortgage for our first home. Dave was easy to communicate with and always responded in a timely manner. He is knowledgeable and provided us with all the information we needed to select the best mortgage product for us. Also, Dave has access to a large selection of mortgage providers, and was able to get us an excellent rate! We would definitely work with Dave again for future mortgages and highly recommend his services.

Travis P. and Jennifer N.

Dave was patient, knowledgeable, and responsive - the service we looked for in a broker.

Gary C. and Amy V.

Dave was great to work with when I needed to renew my mortgage on a tight timeline. He simplified the whole process, which made it easy for me to trust him to handle my case. I will certainly use his services again in the future and recommend him to others. Thanks Dave!

Rhonda F.