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Mortgage Poll

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

Up more than 1% - 11.6%
Up slightly - 30.1%
No change - 36.5%
Down slightly - 13.4%
Down more than 1% - 1.9%
Don't Know - 3.4%

Total votes: 2531
The voting for this poll has ended on: April 1, 2022
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:

US Inflation Falls in April (Sort of)

Monday Morning Interest Rate Update for May 16, 2022

Last week’s US inflation data offered a glimmer of hope that US inflation may finally have peaked (and that would be good news for Canadian mortgage rates).

Read Post: US Inflation Falls in April (Sort of)

Read What Dave's Past Clients Said

David was there every step of the way to ease our concerns and give us straightforward and practical advice, which allowed us to simply focus on finding our perfect home. We truly can't imagine working with another broker in the future.

Rob T. and Andrea K.

David and his team provided exceptional service as we tried to navigate the many options for renewing our home and cottage mortgage. David's insights allowed us to secure a great rate and made the process from first inquiry to final close very easy.

Daniel P. and Melissa B.

I want to thank Dave Larock and his team for helping me out through this process. My situation was unique and the process was difficult, but only because it would have been impossible in any other situation. Dave and his team helped me work through the problems in getting the right mortgage for our situation and were always available by phone or email. Very important aspect in this business as the last thing you need when purchasing a home is someone not answering your questions. Well done Everyone. Thanks so much.

Paul W. and Jennifer C. 

As first time home buyers we really appreciated the guidance and excellent advice Dave gave us. He was very knowledgable and approachable, making our experience with Integrated Mortgage Planners an excellent one.

Andrew Y. and Brenna C.

We are extremely pleased with the customer service Dave provided to us! When he says he'll give you the same service he would give his mom, he means it!! You honestly don't find this type of customer service too often these days and having it while making the biggest investment of our lives so far was refreshing!

As first time home buyers we didn't understand the process and had a lot of questions, but Dave always took the time to answer all of our questions and ensure we understood. We really appreciate your hard work in securing our mortgage and would most definitely recommend you to friends and family!

Cheryl F.

It was a pleasure dealing with Dave Larock for our mortgage. He was easy to get a hold of, was extremely organized and made the process seamless. Very professional and knowledgeable. We will definitely work with Dave again.

Caley M. and Marie-France L.

 

We’ve worked with Dave twice now, and would never even consider going back to doing it on our own or with a different broker. Honest, straightforward, expert-knowledge, and a pleasure to work with.

Sean M. and Renee C.

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

Gary C. and Amy V.

Dave is an excellent service provider, he is knowlegeable, humble and always available to answer queries. I was not sure if I should go for fixed or variable rate, Dave has helped me to pick one suitable for my circumstances. Dave website, blogs provides wealth of information very useful for first time home buyer. I will refer Dave to my friends, relatives and associates looking for mortgage.

Ashish and Disha J.

We came to work with Dave through a referral from a close friend that has worked with Dave on several mortgages for his home and rental property. Dave's knowledge about mortgages far exceeded our expectations. We were continually impressed with his level of professionalism, creativity in finding the right fit for us and his integrity. Dave and his team did everything they could to ensure our needs were met and that we had all of our questions answered. It was a welcome and refreshing change from our big-bank experiences in the past. We would highly recommend Dave and his team to any friend or family member.

Jacquelyn C. and Anthony S.

“We thought that the service provided by David was great.”

Randall and Kathryn S.

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.

Dave Larock was fantastic to deal with. What a professional. Eden & I were very happy with his services.

Les K. and Eden P.

Dave and Melanie went above and beyond to help us in the process of getting our mortgage. Dave is very knowledgeable and we learnt a lot with him and his posts. I will definitely recommend him. It is worth to get to know your different options and conditions so you can make an informed decision on your mortgage.

Manuel L. and Maria G.

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.

Thanks Dave, you were a great addition to a very exciting and of course stressful change. Your prompt response and follow up was key to helping us track this decision to grab our dream home. I am in real estate and would highly recommend you to any of my clients. Thank you.

Jeff and Nisa S.

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 is awesome, knowledgeable and very helpful. He was able to get us the best rate on the market and was available to help us with all our needs. When we renew our mortgage agreement, we plan on using his services.

Misha B. Arij A. 

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.

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.

This was my third mortgage transaction with David Larock and the team at Integrated Mortgage Planners Inc. over the past 6 years. David has always ensured that my financial needs were top priority and has worked diligently to provide guidance in the mortgage negotiation process. I highly recommend David and his team to anyone looking for the best mortgage options at highly reputable lending institutions.

Susan M.

After going through 3 pre-approvals and feeling as if every advisor out there is trying to up sell us, we met Dave and felt that we were saved. In our first meeting, Dave spent 1.5 hrs with us just answering all our questions and, more importantly, asking us "why." We truly felt that he understood what we want and is working in our best interest. Dave's attention to detail throughout the mortgage process really made it a piece of cake. Overall, we are very satisfied working with Dave & already recommended him to 5 other friends. Don't miss out on an amazing advisor! 

Shreya A. and Rahul A.

Dave was able to provide excellent client service and went over and beyond expectations in order to get us the very best rate. We would definitely recommend Dave to friends and family. Thanks Dave.

Kevin and Judy T.

Dave made my first home purchase extremely smooth and rewarding. I truly can't thank him enough!

Rob T.

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.

David Larock provided exceptional service and much-needed counsel. An industry expert, his knowledge and calm guidance helped us at every step of the way. It was so much more than just getting the best rate available. I couldn't recommend David and his team highly enough.

Jonathan B and Wendy M.

I would strongly recommend the services of Dave Larock and Integrated Mortgage Planners without hesitation. They were able to effectively deal with a very complicated financial situation and create attractive and workable mortgage and financing options on an expeditious basis. We felt extremely comfortable in Dave's hands throughout the financing process and the final result certainly illustrated how valuable Dave's services had been.

Sean K. and Michelle D.

After reading some of David’s blogs and learning about some of the fine print to be aware of when choosing a mortgage lender, we decided to reach out and see if David could assist us with finding a better rate on our mortgage. From our first contact we found David great to work with. He is very professional and personable, asks all the right questions to make sure he finds the right product to fit your needs and at a rate we didn’t even know was available. David kept up regular contact through the entire process including a call on the day of transfer/closing to make sure everything went well. We would not hesitate to recommend David to our friends and family or anyone else!

Mike and Dawn H.

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.

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.