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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:

What Can Be Done About Rising House Prices?

Monday Morning Interest Rate Update for April 5, 2021

As house prices continue to soar, many observers are becoming increasingly worried and are imploring policy makers to step in to cool prices. Here are my thoughts.

Read Post: What Can Be Done About Rising House Prices?

Read What Dave's Past Clients Said

I am very happy with the service Dave provided. He was very knowledgeable and answered all my questions, and also gave very informative advice on selecting the right type of mortgage. He was able to guide me through the process of re-financing as well as acquiring a HELOC. I would definitely recommend Integrated Mortgage Planners Inc. to anyone looking for a mortgage broker to assist them in acquiring a mortgage.

Adam C. and Kadia 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.

David got me a fantastic rate. But that's only half the battle. One needs to have the right product for their financial situation and goals. Time was also taken to find a mortgage with the right terms (generous prepayment options, a non-punitive prepayment penalty, etc.). I also tend to ask a lot of questions. These were welcomed with patient and thorough explanation. Highly recommended!

Jeff N and Amelie B.

It was an absolute pleasure working with David. He provided exceptionally clear explanations whenever we had any questions and followed up with us frequently with updates on the progress of obtaining our mortgage. My fiance and I would happily recommend him to anyone seeking a highly qualified mortgage broker.

Alex L. and Juri H.

"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.

I initially used Dave for a refinance in Toronto, but moved to BC and Dave helped me buy a home there. He is incredibly knowledgeable about the mortgage market, is always willing to give you honest advice, and helped me get a great rate.

Allan A.

To anyone considering arranging a new or second mortgage, this is the company to choose. There are other who advertise the "best rates" on the radio, but those companies only provide the same or higher rates than Integrated Mortgage Planners. This company provides the best rates, walks you through the process, gets the mortgage commitment from the lender, and everything proceeds smoothly from there. If you want integrity, consistency, and no surprises, please do yourself a favor and contact David Larock at Integrated Mortgage Planners. My wife and I arranged a mortgage through David, and we and our lawyer were very happy with the result. You won't do much better than getting a mortgage through David.

George and Jacqueline C.

This was the second time we have worked with Dave and in both cases he has been professional, knowledgeable, and accessible. I would recommend Dave to anyone who needs assistance with their mortgage!

Ryan and Wioleta S.

Dave's guidance and support was invaluable during our first mortgage application. He operated with integrity and professionalism, taking time to educate us on the mortgage process and how to find a mortgage that fit our needs. We used his online calculators and blog posts often, and Dave was always available to answer any question we had. We look forward to working with him again in the future!

Phil D. and Jenna H.

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.

We were very pleased to arrange our mortgage with Integrated Mortgage Planners. Dave knows his stuff, explained mortgage options in a simple and straightforward manner, and ultimately directed us to the product that was best-suited to our needs. He was very responsive and took the time to make sure we had all the information we needed. We would highly recommend Dave and Integrated Mortgage Planners to anyone looking for a knowledgeable broker who they can trust to get them the best mortgage out there.

Rick S. and Anne T. 

Knowledgeable, responsive, and friendly. What more could we ask for from our mortgage broker? Dave and his team make the mortgage process easy and they anticipate our needs as the market changes. Dave proactively checked in to see how we were doing after a year and helped us land a more favourable term. THAT is the definition of caring for your customers! I would highly recommend Dave and his team.

Rob M. and Nicollette I. 

The level of service that we received through Integrated Mortgage Planners was excellent. We were able to get a great mortgage rate. Dave Larock was extremely helpful in guiding us through the mortgage renewal process. He took the time to answer all of our questions and we were impressed with his approachability and his great efficiency. Thanks so much for your help. We'll be back in touch when we need to go through this process again.

Kevin H. and Adrienne G.

Dave is an incredible mortgage broker. We really appreciated the time he was willing to spend answering all of our questions as first time buyers. It was nice to know we had someone to turn to that we trusted.

Brendan C. and Clare T.

It was really great working with David, he was responsive, worked hard to help us get the rate we wanted and very knowledgeable.

Sarah G. and Jeff F.

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 was both super knowledgeable and super responsive. He quickly and clearly answered any questions I had about the process, and felt confident that we were in good hands from the beginning of the process through closing. I'd happily recommend Dave's services to anyone.

Shane and Hilary B.

Dave did a fantastic job with our mortgage and home equity line of credit. He got us a great rate, explained the options well and delivered in a condensed timeline. I would definitely use his services again in the future.

Brad and Amanda J.

“As a first-time home buyer, I had an awful lot of questions which Dave answered with extensive knowledge and reassurance! The process was seamless and it was extremely comforting to know that Dave had my best interests in mind at all times. “

Tara R.

Dave was highly professional and extremely helpful in allowing us to secure a mortgage on our dream home. He is very experienced with any mortgage questions and knows lender guidelines and is happy to answer all of your questions. He is also very prompt at returning phone calls and emails. I would recommend and use his services in the future.

Camille P. and Peter G.

“David Larock was very efficient, knowledgeable and helpful. He worked hard to make sure everything went smoothly for us. He was always available and happy to help. We would recommend David to anyone we know who is looking for a mortgage!”

Diane and Angelo D.

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 had a great experience with David. He explained everything clearly and logically, and we got a great rate with terms that suited our situation. He always responded promptly and adapted as needed. We would go to him again.

Laura D. and Patrick B.

We could not have had a better experience working with Dave and his team. He was unbelievably knowledgeable and responsive. This was our first time buying a home, and Dave made the process incredibly smooth. We would recommend Dave in a heart beat!

Nicholas W. and Kathleen H.

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.

Great service and great products. We would use again and recommend to others.

Aaron and Lisa D.

Dave's friendly, knowledgeable and prompt approach to customer service and mortgage planning make it easy for us to know we'd call him again in the future and recommend him to anyone looking for an excellent mortgage broker.

Ian B. and Cori. M.

Dave found us excellent rates and when an unanticipated / uncommon issue arouse with our closing, Dave was able to bring us numerous options to ensure a smooth close (and ultimately a great rate with our eventual lender).

Kevin M. and Natalie G.

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.

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

Grant C.