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Mortgage Poll

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

Up more than 1% - 9.9%
Up slightly - 30.6%
No change - 38.2%
Down slightly - 13.5%
Down more than 1% - 2%
Don't Know - 3.5%

Total votes: 2154
The voting for this poll has ended on: April 30, 2019
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:

If the Bank of Canada Delays Interest-Rate Cuts, It Won’t Be for This Reason

Monday Morning Interest Rate Update for October 15, 2019

The idea that the Bank of Canada will delay rate cuts for fear that it will increase borrowing and accelerate house-price growth is flawed for two reasons. Today's post explains.

Read Post: If the Bank of Canada Delays Interest-Rate Cuts, It Won’t Be for This Reason

Read What Dave's Past Clients Said

It is so nice to see customer service has not been forgotten about in every industry! David Larock and Integrated Mortgage Planners Inc. go above and beyond to exceed expectations. The customer service level is exceptional and other's could learn a lot on how to better their business by taking a page out of David Larock's book. Well done!

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.

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 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 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.

Dave and Melanie were a pleasure to deal with - knowledgeable, pro-active in providing information and updates, really prompt in responding to our queries and made sure that we got the best rate possible. Will be going back to IMP again in the future!

Carly and Avin B.

We worked with David on our first home purchase. As we had not previously had a mortgage we had many questions and David was very professional and diligent in answering all our questions and assisting us in getting the right mortgage for us. We look forward to working with David in the future.

Ryan and Violeta S.

Dave Larock was amazing. He walked me through every step of the way, answering all of my questions... big and very small. I felt very confident that I had made all of the right decisions at the end of it and even learned a few things along the way. I wish I had know about IMP the first time I had to get a mortgage... I would have saved myself a fortune! I will definitely come back to Dave for my next mortgage. I have already passed his name to friends and will continue to do so.

Andrea C. and Graham H.

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.

David Larock provided absolutely fantastic service. His prompt reply and kind service made it easy for me to refer him to one of my employees for guidance. I added David to my linkedIn profile because I consider him as a valuable contact for all my future mortgage endeavours.

Ludwig N.

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.

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.

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.

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.

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.

I was very happy with the services provided by Dave and Melanie and I wouldn't hesitate to recommend their service to family and friends.

Morgan W.

David was very competent and helpful. The whole experience was worry-free and sweat-free for me. I was definitely in good hands and I would definitely recommend him to my family and friends.

Jinah P.

Dave was great. He made qualifying for the mortgage very easy and also gave insightful tips along the way. Being a first-time home-buyer, Dave was right there with us and got us a fantastic rate. We highly recommend him and his services and would definitely use him again.

Edward T. and Wyman S.

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.

Dave was absolutely very informative, helpful, courteous and professional throughout the entire process of acquiring a mortgage. I highly recommend his services!

Pina GZ

As a first time home buyer and new to the world of mortgages, Dave was so knowledgeable, approachable and easily reachable during my pre-approval process. I had a million questions, but no questions were ever stupid and he really held my hand throughout the whole learning process...I was certainly not one of his million dollar mortgage clients, but I sure felt like one considering the amount of time he spent on my application.

His mortgage update newsletters are highly informative and useful as well. In fact, his blog/newsletter is what made me feel good about going with him because his ability to forecast and/or give recommendations didn't seem to be based so much on sales tactics but on sound economic principles/knowledge and on significant real estate/mortgage industry knowledge.

I have already recommended David to my friends and I'm a client for life now!

Esther H.

We have contacted several mortgage brokers before Dave, and Dave is the only one that would listen "carefully" our questions and be able to "clearly" explain all the details. He always responds to my questions quickly. I never have to wait for an answer. He is fast at handling applications, and I never need to worry about the progress. We are very happy to recommend Dave to anyone who needs reliable mortgage advice and excellent services.

Li-Jen C. and Lannie F.

All questions were answered promptly and clearly. It was a pleasure partnering with you for our mortgage.

Sylvia N. and Edward K.

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 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.

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.  

I find David Larock's blog posts extremely informative, so his professional expertise helped me before I even contacted him. On our first phone call (and thereafter) he took plenty of time to explain everything I had questions about. And the mortgage rate he was able to offer was lower than even the credit unions'. Thank you, David, for helping me through a stressful process! I feel confident that I got the best deal available.

Marge C.

Fast, efficient service and we ended up with a great rate! Thanks David and team.

David H.

Dave Larock was very helpful. Even though we are not located in the Toronto area (Montreal), we received excellent service all by phone and email. I would recommend Dave to others who are looking to buy no matter where they are located in the country.

Michael E. and Madeline C.

David and his team are professional, knowledgeable, and helpful. They answered all our questions and even anticipated our needs. Unlike some mortgage brokers, Dave works for the borrower and he brings more than just mortgage rates. He can speak with experience and knowledge of current conditions when answering questions. I would not hesitate to recommend Dave to anyone looking for a mortgage product.

Alina C. and Michael Z.