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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:

When Will Canadian Mortgage Rates Rise?

Monday Morning Interest Rate Update for September 21, 2020

The Bank of Canada says that rates are going to stay low for a "long time". But how long is a "long time"? Today's post offers my take.

Read Post: When Will Canadian Mortgage Rates Rise?

Read What Dave's Past Clients Said

As first time home buyers, we were bombarded unsolicited advice, information, warnings and tips about entering the Toronto housing market from friends, family, colleagues and people in the real estate field. As a result, we were nervous and slightly unsure as to what to expect throughout the whole house purchasing process. Dave at Integrated Mortgage Planners helped to put our mind at ease. In our first meeting he was able to explain and simplify all the information that we were overloaded with. He was able to find a mortgage that worked for our needs at a rate that cannot be beat!

Michael O. and Victoria S.

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.

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.

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.

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.

We used Dave and his company for our financing and renewal of the mortgage. Dave was super friendly and very patient and assist us through the whole process effectively without even attending his office. All was done through email and his staff was also knowledgeable and friendly to deal with, better than banks in my opinion. Will recommend to others and would love to work with him again in future.

Tam N. and Gwenael P. 

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 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.

Happy with the advice and options provided, not to mention expediting the process to get it done on time.

Gord W. and Marianne L.

As a first-time home buyer, the process of selecting the right mortgage appeared complex and quite scary. Integrated Mortgage Planners made us feel comfortable and knowledgeable about the whole process. Dealing with IMP was one of the best decisions we made regarding our mortgage selection.

Arnaud B. and Laura K.

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.

Thank you for all of your help!

Alice W.

Dave Larock has been incredibly helpful. We've worked with him twice now, and we will absolutely reach out to Dave in the future if we needed a mortgage, and would absolutely recommend him to anyone we know.

Tyler and Simone M.

David Larock was extremely knowledgeable, patient and approachable. During what can be a stressful time, he was easily accessible to answer questions (even on weekends and evenings)to put our minds at ease and to help us understand our options.

Shawn and Anisa B.

We have just purchased our first home and David was instrumental in walking us through the process. He explained every step clearly and patiently and answered all of the questions we had. He accommodated a time after we finished work to meet us in person and we could not be happier with the level of professionalism, friendliness and knowledge he had.

Sean O and Karen G.

Based on our experience, I would definitely 100% recommend Dave Larock. We are very satisfied.

Hyder Y and Umber H. 

Highly recommend working with Dave! He was very knowledgeable, patient with our questions- always delivering timely answers. He was exceptionally organized which was helpful to guide us through the process of our first mortgage.

Kerry and Donny M.  

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.

Our Mortgage Broker David Larock is fantastic at what he does. In addition to just helping us get our mortgage for our home, he also keeps us up to date with a quarterly newsletter that provides in-depth insight and advice about mortgage planning. I can not speak highly enough of his thorough, professional and personal work.

Jim D. and Laura H.

 

David was exceptional. It is such a pleasure working with a true professional. He walked through the options, discussed my objectives and then sought out the ideal bank for my specific needs.

This service cost me nothing and it will save our family thousands of dollars over the course of the mortgage. I was not aware of the alternatives he proposed so he was able to bring to the table several very creative options.

I even discussed these findings with my primary bank, one of the big 5, and they could not come close to the rates (they conceded their employee rates for the mortgage was even higher than what David was able to source.)

Bravo! Great job David.

Eric and Barbara G.

David is amazing! I was referred to him by a close friend who told me David was the best in the business, David not only met my expectations he exceeded them! I was extremely impressed with David’s flexibility and the fact he was always reachable. My mortgage financing deadline was short so I found it very helpful that David remained on top of my file and was always in contact, if he missed my call he was quick to get back to me which was greatly appreciated and made me feel like a valued client. David was professional and knowledgeable throughout the whole process and even followed up with a call to see how my move went and if I’m happy with everything...nice touch! High recommend to family, friends, and all!

Oliwer W.

David and Melanie are a great team that made the process of getting a mortgage as easy as it can be!

Jordan A. and Rachel W.

Dave was great as usual. We got all our questions answered to our satisfaction in a timely manner. We whole heartedly recommend Integrated Mortgage Planners!

Carly and Avin B.

David was prompt in his response to my many questions, and I feel went above and beyond what I expected - great service.

Jeanette L.

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

Kate M.

We would work with Dave again and have already recommended him to a number of our friends. You wont find a better mortgage broker out there. 

Brad S. Niky R.

Dave Larock provided us with expert advice and outstanding service. We have already recommended him to friends, and will continue to do so.

Klaas and Mary Beth K.

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 was an absolute pleasure to work with. He patiently explained every part of the mortgage application process to us (and as first-time home-buyers, we needed a lot of enlightening), he kept us constantly up to date with the status of our file, and he got us a fantastic rate. Very highly recommend.

Kevin and Warrena W.

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.