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Mortgage Poll

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

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:

Is the Bank of Canada Bullish on Pot?

Monday Morning Interest Rate Update for November 12, 2018

The Bank of Canada expects that it will have to raise its policy rate to keep inflation near its 2% target, but our recent economic data imply otherwise.

Read Post: Is the Bank of Canada Bullish on Pot?

Read What Dave's Past Clients Said

David made this very big decision in my life smooth and easy. Explaining everything along the way, to ensure I knew exactly what I was getting myself into. Thanks again David, I am all moved in to my first condo and I am very happy!!!!

Meredith A.

David was a pleasure to work with. As a first time home buyer he not only answered but anticipated all questions I would have and very patiently walked me through everything. He made the entire process as easy and smooth as possible.

Stephen S.

This was the first time we used a mortgage broker and a Dave was great! He took the time explaining everything thoroughly (wealth of knowledge!) and was reachable to answer our questions at any time. We'll definitely come back when it's time to re-new. The process was seamless and would not hesitate to refer you to friends and family.

Sharon and Huy N.

Dave ensured that the mortgage application went smoothly and proactively dealt with any issues that came up. He also kept me in the loop throughout the process. I was able to get a mortgage product that suited me perfectly at a great rate. His blog is also a great source of information. I would not hesitate to go with Dave again for my next mortgage and have already recommended him to a few of my friends.

Derek C.

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.

David was excellent to work with and made the entire process very smooth. We've purchased various properties and I would definitely come back to David. We had to purchase a rental property and it wasn't straight forward process. David assisted with all our questions and nothing was left uncovered.

Courtney H. and Joseph P.

David was always very respectful and I never felt rushed. He checked-in and made sure we were clear and understood the product. I appreciated his patience. He did not overwhelm with lots of jargon - he kept it real.

Catherine H.

 

We were very happy with Dave's service. He was very good about educating us on suitable financing options including one that we didn't know about (and ultimately went with). When we had a hiccup with our appraisal, he was very good about making everything right so that we were happy. We would definitely recommend Dave as an excellent mortgage agent.

Jeremy and Amanda K.

Dave Larock is a terrific broker - he is extremely knowledgable, dedicated, and patient, and he made the first-time home buying experience so positive for my partner and I. He made us feel confident and at ease the entire time, and was incredibly responsive throughout the process, consistently going above and beyond to find us a great rate and make sure we understood all our options. We would absolutely work with him again!

Grace O.

“I had a totally  positive experience with David Larock and Integrated Mortgage Planners and I’m saving money to boot!”

Kate M.

We highly recommend Dave Larock's services. As first-time buyers, we were not knowledgeable about the mortage industry; however, Dave provided clear and concise explanations that enabled us to make decisions with confidence. He was at all times professional, punctual and could be relied upon to deliver what he promised. We would certainly be willing to use his services in the future.

Becky G. and Penelope R.

Integrated Mortgage Planners, specifically Dave Larock and Melanie Haggarty, were so incredibly helpful in securing our mortgage. My wife and I are first time home buyers and very new to the world of real estate and mortgages. They really took their time to explain the process and make sure we had all the necessary documentation in place, they left nothing to chance. They even made sure to secure us the best deal on our mortgage at the lowest possible rate that is being offered on the market. Dave really takes the time to listen to what his clients want and provide advice that is in THEIR best interest. He goes out of his way to offer advice that will make home buying as affordable as possible for his clients. By the time our mortgage was finalized and we took possession of our house, we had no doubt in our mind that we made a good choice in working with Integrated Mortgage Planners.

Mike M and Catelyn G.

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.

Dave answered all my questions and concerns promptly. He is very knowledgeable in his field.

Sam R.

The team at Integrated Mortgage Planners got us a great rate and helped us source service providers that I wouldn't have expected our mortgage agent to have in their repertoire. Call them. You'll be glad you did.

Tara L. and Steve N.

David was super supportive and helpful from the beginning of our process when we approached him. He smoothed the road by clarifying every single complicated paragraph thru our documentation. His knowledge of the market and what all other parties offering was so helpful to enable us to choose our source. For any comparison, he always came up with options and we trusted him all the way thru. I definitely recommend him to anyone who needs a trustful source with a high knowledge of this business. I wish to add that his updates on his website and daily blog is extremely helpful to understand the language of this business.

Baharak R. and Amelie W.

David was very helpful throughout the process educating us with useful documentation via his blogs, conversations over the phone and providing right direction and advise when needed. He really made the entire process smooth and kept us posted on the progress and next steps. THANKS A LOT for your services David.

Anand P. and Shruti S.

If you are looking for someone to help you get a mortgage, or refinance, Dave is your guy. He's smart, he's determined, he explains everything clearly, and he stays close through the whole process. I had a rather unique and challenging situation, but Dave took it on with relish, and found me an amazing deal in very short order. I highly recommend Dave and team -- trust me, you will not be disappointed.

Eunice M.

I would absolutely recommend David to family and friends. His advice was top-notch, especially when it came to a rental property. He's the mortgage professional I wanted in my corner when making decisions about one of the biggest purchases of my life.

Geoff C.

Highly recommended!!! David is the best! He walked us through all the scenarios and made us feel very comfortable. He was professional and courteous. I would recommend him for any type of mortgage counseling and acquisition. Without a doubt, he made our ‘house dream’ come true.

Iain and Merav C.

I have high regards for David. We had a complicated mortgage, and a complicated process to get it done. David was quick to respond to problems, gave us a lot of confidence in the process, and was easy to communicate. We hope to work together again in the future.

Peter and David D.

Very helpful and enjoyed working with Dave. Got us a great rate and navigated some difficult issues with ease thanks.

Craig and Victoria G.

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.

David has an extensive knowledge in his field and has amazing tools to educate his clients by analyzing, providing details ,articles, references and conversations. He is resourceful and put a lot of effort to find a suitable package or solution to your case. He is going extra miles to work on your interest. We recommend his service by all means!

Baharak R. and Amelie W.

Dave Larock was outstanding in his service. He met us on our schedule, and took the time to go through every detail of our mortgage with us. Being first time home owners, we had a lot of questions, and Dave was patient and understanding throughout the whole process. We shopped around for a mortgage broker, and found that Dave was able to find us a mortgage rate that was far lower than anyone else we spoke with. We had a short closing time (within a month). Dave was highly efficient in ensuring we would be able to get all the components together in a timely fashion. To top it off, he was an extremely pleasant and interesting person - we enjoyed our chats with him. We would recommend him in a heartbeat to any friend. Thanks for everything, Dave!

David B and Emily HB

David Larock was extremely helpful in getting us a line of credit. From start to finish it was less than two weeks and he resolved all issues that came up. We had been with the Royal Bank for over 25 years but after retirement with no fixed income, they quickly pointed us to a second party when we went to them to get a line of credit. If RBC had pointed us to TMG then we would have be quite satisfied but their solution was twice the cost. We are extremely happy with Dave and would recommend him to anyone we know.

Gordon P. and Nancy S.

I will be recommending Dave to any of my friends that are looking for mortgage broker. He exceeded our expectations, and he'll do the same for you too. Use him!

Matt 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.

I was a first time home buyer and David was always there to answer all my questions. He is an incredibly knowledgable and patient broker. Most importantly, he got us a great rate that the big banks couldn't even come close to matching. No matter what type of home you are looking for, David will help you make it happen.

David G.

David Larock made the entire process of getting and understanding the terms of my mortgage very easy. It really felt like he was in my corner the entire time and was very responsive when it came to answering questions. As a first time home-buyer he really took a lot of the anxiety out of the process.

Milos Z.