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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:

Happy Family Day Long Weekend

Monday Morning Interest Rate Update for February 19, 2019

I took this weekend off for Family Day. I'll be back with a new post next Monday and in the meantime, here are links to two of my most popular recent posts.

Read Post: Happy Family Day Long Weekend

Read What Dave's Past Clients Said

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.

Dave was great to work with during the purchase of our first home. He is very knowledgeable and did a great job to walk us through the entire process.

Becky E. and Yanni S.

I can highly recommend David Larock and his team, having just renegotiated my mortgage through them. I'm extremely satisfied that I got the lowest rate possible, as well as good honest advice on how to best structure the payments. I had been reading David's blog for years before contacting him, and am very glad I did. It's a rare pleasure these days to deal with true professionals that really know their business.

Anthony P.

David is great to work with. Very attentive to client needs, queries and follow-ups.

Grant C.

“Integrated Mortgage Planners helped our family quickly and efficiently select a new mortgage, navigate through the process and get the paperwork finished so we could proceed to enjoying our home. David Larock was exceptionally attentive, and gave us a level of service we could not have expected directly from a bank or large mortgage company. David was especially helpful when it came to explaining the complex terminology associated with the mortgage... we really appreciated his personal attention and expertise.”

David L.

Excellent service and communication. Several of our friends have worked with David, and we were delighted by his level of service and straightforward recommendations.

Colin and Michelle C.

I'm very glad I used Dave as my mortgage agent. As a first-time home buyer, I had a lot of questions about mortgage rates and the financing process in general. I found Dave to be very knowledgeable and quick to respond to e-mails and calls, which made obtaining a mortgage the least stressful part of closing on the property. I would definitely recommend Integrated Mortgage Planners.

Mitch L.

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 is incredibly knowledgeable, provides honest advice, and competitive products. We have used his services multiple times and have also recommended him to a number of friends who have also appreciated his help. It will be well worth your time to reach out and get his advice.

Colin M. and Michelle T. 

David is a pleasure to work with!

Sam R.

Excellent service! David always responded quickly with clearly laid out instructions and information. He consistently made time to talk on the phone and was thorough in answering all questions. Thank you for making this process so easy!

Uros and Dina M.

I have used the services of David for two mortgages and recommended his expertise to family and friends. I have great confidence in his knowledge, expertise and, most important, ethics.

Catherine M.

Dave Larock provided exceptional service as a mortgage broker. I found his blog when I was researching different brokers. His educational background and years of experience really stood out to me. I appreciated his ability to provide comprehensive answers to my questions, including his analysis of the current economy. It was very helpful that his website allowed him to show me the numbers that backed up his answers. He was very reliable and always communicated clearly and promptly. 

Sarah S. 

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.

 

Dave made me feel confident that all the details of my mortgage would be handled competently and efficiently. He was on top of things and put all the pieces together for me so that I did not have to worry about anything! I was also confident I was getting good value in my mortgage rate. It's wonderful to feel safe and in good hands when it comes to your first mortgage! I recommend him very highly.

Myriam M.

 I'm a repeat customer and will continue to be. Enough said. ''

George M.

David and his team have been highly responsive and professional throughout our working relationship. I would gladly recommend their services.

Ali K.

Dave Larock did a great job. Did what others could not do. Great to deal with. 

Nathan M. and Julia G.

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.

Amazing service. It was really quick and David knew exactly what he was talking about and most importantly delivered everything that he promised. This was my second time dealing with a broker and the experience from previous was night and day. David was polite, straight forward and didn’t waste any time. Also he submitted it to only one institution and not multiple- so credit didn’t get dinged.

Ash B. and Umee 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.

2nd time working with Dave...would never ever consider going anywhere else. Thanks again Dave!

Jon L. and Ann C.

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.

"David was an incredible support and point of reference throughout this whole process. With our less-than-traditional situation, which potentially could've been an impossible one, he made it happen as promised. On the other hand, he never gave us false hope or halved information. We always felt that we were fully informed and well cared for.

Thank you!"

Michelle and Giuliana D.

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

Gary C. and Amy V.

David was wonderful to work with. This was our first mortgage so we had a lot of questions, David answered all of our questions quickly and thoroughly. I would definitely recommend working with him.

Katlynn P.

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 made getting our first mortgage easy and stress free. He was friendly, courteous, knowledgeable and ready and able to answer any questions that we had. I wouldn't think of using anyone else in the future to deal with my mortgage and I wouldn't hesitate to recommend Dave to anyone seeking a mortgage.

Nick and Ben C.

Very attentive, personal service and available on short notice.

Tim F.

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.