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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:

Why the Latest Canadian Employment Headline Is All Hat and No Cattle

Monday Morning Interest Rate Update for August 13, 2018

Last week’s banner headline jobs number should have sent the five-year Government of Canada bond yield soaring, but it actually closed slightly lower on Friday. This week's post explains why.

Read Post: Why the Latest Canadian Employment Headline Is All Hat and No Cattle

Read What Dave's Past Clients Said

It was a real pleasure to deal with Dave, he was very professional and provided us with exceptional service! Dave went over and above to help us out with our refinancing. He was always very patient and always ready to answer any questions or concerns we had. I would definitely recommend Dave to anyone looking for a mortgage broker! I look forward to continuing to deal with Dave.

Maria R. and Piero L.

My experience with Integrated Mortgage Planners and David Larock was exceptional. I was given sound advice and led through the process with ease. Staff were very friendly and courteous and David answered my many questions. I also found articles on his website very informative. I highly recommend his services and continue to tell family and friends about my awesome experience.

Celiza R.

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 definitely simplified the process of renegotiating our mortgage. His analysis is clearly explained and the options are made very clear, objectively. We always felt that he understood our perspective and concerns and that he was providing a real value-added service to compared to anything we have ever experienced at a bank branch level.

Edward B. and Lisa N.

David was always there when we had an issue or a question and, somehow, he managed to make us feel like we were his only clients. We always appreciated how fast he was in responding to any of our concerns and I can't imagine a more efficient yet friendly relationship. We probably wouldn't have gotten our house without his precious assistance.

Sorin P. and Jennifer M.

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.

Dave did a great job walking us through the process. He ensured that we understood all of our options. He was very responsive and answered all of our questions. He took much of the stress out of a stressful situation!

Debra and Jeff B.

David is a very knowledgeable and competent mortgage broker. He managed to pull together the procurement of our mortgage in a matter of a few days. He was available to answer any questions that arose immediately.

R. Chopra

Both my wife and I appreciated the time David took to explain everything and patiently answer our many questions during our mortgage renewal. We only dealt with him on the phone, but he sure came across as knowledgable and honest. I would most definitely recommend his services to anyone renewing a mortgage.

Markus K. and Tanya B.

Dave Larock helped make the purchase of my home a stress-free event. He ensured that every aspect was completed in a thorough and efficient manner, allowing me to feel confident throughout the process. I have already recommended him to others and will continue to do so.

Jodi L.

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.

 

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

Craig and Victoria G.

As a first time homebuyer David was a dream to work with. He made the process of buying a home and working through the paperwork an absolutely pleasure.

Mohamed G. 

As a first time home buyer, David was incredibly efficient and helpful with the process. He answered all of my (millions) of questions promptly and his professionalism exceeded my expectations. I would gladly recommend him to both family and friends.S

Sonja M.

By the end of our first meeting, I knew I was in the presence of a knowledgeable professional. David listened and was engaged in understanding my financial needs. He clearly communicated all the required details and "next steps" and I felt very supported throughout the entire process. I would recommend him to any of my friends or colleagues.

Allison P.

Fantastic prompt and knowledgeable service - have dealt with other mortgage brokers but the service provided by David was way beyond our expectations.

Murtuza L and Catherine D.

Dave Larock was conscientious and dedicated. I could always count on him and that he will deliver more than I had expected. His patience with the bank bureaucracy is legendary. I have already made some recommendation and will continue to do so.

Michael and Victoria W.

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.

David Larock was a pleasure to deal with, he really came through for me where others couldn't. David was very patient with me and answered all my questions. I am so happy I got in contact with David and I will definitely recommend him to all my friends and family.

Eli and Malka J.

We received truly exceptional service from Dave and Integrated Mortgage Planners. Our situation was slightly unusual and he held our hands through the entire process and was always available to discuss any matter, however small, and whatever the time of day. Dave was also happy to answer hundreds of questions about the process itself - sometimes twice!

Without any prompting from us he ensured that our pre-approved rate was the best it could be and if he saw something better, he often re-negotiated for us long before the existing rate expired. In fact, we got a call the day our deal closed to say that he'd re-negotiated that morning and saved us yet another .1%.
The service was excellent, his knowledge invaluable and the whole process a total pleasure.

Sarah N. and Stuart L.

Very attentive, personal service and available on short notice.

Tim F.

Dave was exceptional to work with. He always got back to me quickly and was able to explain the entire process in a simple and straightforward manner. I felt like he really had my best interests in mind the entire time. Thanks!

Vanessa M.

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.

Mr. Larock was able to deliver every thing he promised and more. His knowledge was excellent, he was an expert of his field, make us very comfortable all the way, his guidance gave us the peace of mind that any buyer hope to have. I can't express my thankful for David enough. So if any looking for a trustful, efficient and honest planner, in addition if you are looking for best rate in the market, don't hesitate to contact David and live our experience to believe . Thanks David

Yousef E. and Rudiana B.

I have worked with Dave twice and his level of service is impeccable. He is knowledgeable, responsive, and has always worked diligently to resolve any issues or questions as quickly as possible. And he gets the best rates! I will continue to work with Dave in future and recommend his services to any of my contacts.

Karin L. and Jozef V.

Dave provided fantastic and thorough advice and helped with all the logistics. He answered all my questions and definitely exceeded my expectations. i would definitely recommend Dave for anyone who needs either mortgage advice or a mortgage or both, and also recommend his very pertinent and articulate weekly column.

Caroline C.

You will not find a better rate. Anywhere. Our lawyer thought it was a typo.

Daniel & Brittany F. 

In our short time as home owners, David has helped us with two mortgages and two moves. He is patient, courteous and knowledgable. We were fully confident with him to handle all of our mortgage needs. We definitely would recommend David to all of our friends & family. 

Jaime Y and Sam C.

David went above in beyond in helping us with our mortgage transaction. He took the time to understand our needs and provided with a variety of options that met our needs. We couldn't have been happier with the entire process! We would definitely recommend David and team, and I look forward to working with them again in the future.

Luke S. and Paula J. 

David was very helpful in cutting out all of the haze and focusing on what needed to be done. He clarified when we needed him to and chased the brokerages, mortgage providers and insurers diligently. He was a pleasure to deal with and contacted us regularly to ensure we knew where we stood in the process.

Andrew and Sarah B.