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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:

How Will Choppy Waters Ahead Impact Canadian Mortgage Rates?

Monday Morning Interest Rate Update for June 29, 2020

Last week new BoC Governor Tiff Macklem made his first public comments and he sounded notably less optimistic than his predecessor. Today's post explains.

Read Post: How Will Choppy Waters Ahead Impact Canadian Mortgage Rates?

Read What Dave's Past Clients Said

Dave answered all my questions and concerns promptly. He is very knowledgeable in his field.

Sam R.

David Larock recently assisted me in obtaining first mortgage financing for my home in Calgary. I was very pleased with David's high degree of professionalism, and I found him to be extremely accessible whenever I had questions.

Glenn R.

Working with David was a pleasure. He was extremely well informed and worked diligently to find the best mortgage possible for me. He was also very thorough and patient in exploring all options on my behalf. As a real estate agent I have dealt with many mortgage professionals and I would not hesitate to use David again and I recommend him to my clients with confidence.

Megan T.

David Larock exceeded all expectations at every turn. To close my rental property purchase on time, David needed to expedite a re-finance deal by multiple days, and leveraged his existing relationship with the lender to do so. Also, when the lender charged me an unwarranted penalty for changing the terms of my existing mortgage, he immediately had the situation rectified. I will undoubtedly recommend David to friends and family who are seeking mortgages.

Dale C.

“It was a pleasure working with Dave. From our first conversation, he was extremely helpful, diligent in ensuring I fully understood all my options, and worked with me to get the best rate etc. that suited my needs. Excellent at keeping in touch throughout the process and ensuring I was comfortable with each piece of the decision making.

I would highly recommend Dave and Integrated Mortgage Planners to family and friends. In addition to his friendly disposition and knowledge of the industry, he certainly made the process seamless and effortless on my end.

Thank you.”

Rachel F.

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 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.

Buying a home and signing up for a mortgage can be life-altering. You have to do your own research and educate yourself as much as you can, but you might still miss something. Therefore, I recommend allying yourself with a professional mortgage broker who has made mortgages and lending their career and who thinks of nothing else all day. Dave Larock is brilliant. He thought of strategies that I never would have on my own, and made the whole process extremely easy. He kept me informed and updated, explained everything patiently and thoughtfully. I'll definitely recommend him to my friends and family.

Raeid I. and Safiya K.

As a fellow mortgage agent I had the option of going through my own brokerage or letting Mr. Larock handle what I knew to be a relatively complex financing. Being familiar with his extensive background and relationship with lenders I opted for the latter. The mortgage was successfully funded, the customer service was second to none and the rate was the same preferential rate I would have received through my own brokerage. Thanks Dave.

Chris J. and Tanyss B. 

From our initial contact with David, we knew we did not have to shop around for other lenders. David was very prompt, professional, and most importantly very very patient. As a first time home buyer, we had many many questions and David took the time to answer them in layman's terms yet in detail. David went so far as to work on our application even while on vacation which we truly appreciated. We would rate David 11/10 and will be recommending him to family and friends. Thank you for everything David!

Saq & Natasha R.

David was excellent to work with and made the entire process very smooth. We've purchased various properties and I would definitely come back to David. We had to purchase a rental property and it wasn't straight forward process. David assisted with all our questions and nothing was left uncovered.

Courtney H. and Joseph P.

We were thrilled with the very high level of insight, knowledge and service offered by David Larock of Integrated Mortgage Planners. We will not hesitate to continue to use David Larock and even before our deal was done, we referred good friends and will continue doing so.

Daniel B. and Sarah F.

David Larock was an incredible resource and someone I felt I could trust the moment I spoke to him. He made everything easy, got me a great mortgage rate and guided me expertly through the approval process. I would work with him and recommend him in a nanosecond any time the opportunity presented itself to me.

Karen G.

Dave came recommended to us by two friends who had worked with him in the past. We gave him a close-to-impossible task and a very challenging home equity financing project and he guided us through every step along the way. He not only got us a better rate but also with our preferred lendor.

Kevin M. and Heather D.

We worked closely with Dave at Integrated Mortgage Planners over many months to achieve the lowest rate and best mortgage product catered to our needs. Dave removed the 'worry' from our mortgage planning by consistently providing options from the entire mortgage market, not just one branch's 'special' offers.

Andrew B. and Karen 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.

Working with Dave was pure gold. Easy, clear and effective communications and he secured me an unbelievable rate. Top marks all the way around. Highest recommendation. Thanks Dave!

Graham C. 

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.

We've used David's mortgage services for two properties over the last 5 years. We are very happy with David's attentiveness, prompt and detailed responses to our inquiries, along with the overall quality of service. Thank you!

Ken W. and Bike B.

We have used David's services twice and both times he has exceeded our expectations. He's an absolute pro who is clearly passionate about what he does. David most recently helped us realize our dream of owning a cottage. David's high-touch service level and expertise can't be beat.

Autumn and Matt P.

I work in the financial services industry and what I appreciate about David Larock was his subject matter expertise acquired from working with the some of the major Lenders in the mortgage industry combined with his independent work experience. He differentiates himself from the competitors by providing a superior customized solution based on the client's unique requirements along with excellent customer service. I researched mortgage offerings from many other Lenders as well as obtaining an offering from a previous broker. I later contacted Dave and he was capable of constructing a more competitive mortgage than I was able to secure from the earlier providers.

Mike S.

Dave and his team were amazing to work with. Happy to answer all our questions with sensible, experienced information. Able to explain all the complex processes and information required. Proactive in getting us a well traded-off rate. Melanie was also great tying it all up with the many submissions. Thanks for all the help Dave, much appreciated!

Lisa P.

David was very good at explaining the process of obtaining a mortgage. He responded quickly when contacted and was always pleasant to deal with. David kept his eye on the rates and was able to obtain a lower rate than the original quote, which was greatly appreciated. I would definitely recommend David's services.

Brooke W.

Our journey to find a house lasted over a year and had several unfortunate bumps along the road. At every turn Dave was there to walk us through our options and provide sound guidance. We love the house we bought and it couldn't have happened without Dave's help. We definitely plan on using him again on our next purchase.

James J.

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.

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.

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.

David made the intimidating process of applying for a mortgage easy and approachable. I am so grateful for his honesty, patience, and perseverance in finding me an optimal mortgage.

Syena M.

We used IMP for our first mortgage and recently our renewal. IMP contacts us every year to tell us how we are doing and if it is advantageous for us to make any changes. This proves to us that they care and that we are not just a number to them. We feel comfortable calling with any questions we may have (no matter how small) and never feel rushed; we truly believe IMP has our best interest in mind. We can't thank you enough for taking such good care of us and our home.

David N. and Jacki M.