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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:

The Fed Talks Taper and Bond Yields Soar

Monday Morning Interest Rate Update for September 27, 2021

Bond yields soared last week after the Fed announced that it would soon begin tapering. Today's post offers my take on how this may impact our mortgage rates.

Read Post: The Fed Talks Taper and Bond Yields Soar

Read What Dave's Past Clients Said

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.

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

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. 

We have just purchased our first home and David was instrumental in walking us through the process. He explained every step clearly and patiently and answered all of the questions we had. He accommodated a time after we finished work to meet us in person and we could not be happier with the level of professionalism, friendliness and knowledge he had.

Sean O and Karen 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.

I would absolutely recommend David to family and friends. His advice was top-notch, especially when it came to a rental property. He's the mortgage professional I wanted in my corner when making decisions about one of the biggest purchases of my life.

Geoff C.

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.

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 Larock far surpassed my expectations. He guided me through every step of the process professionally & with a great sense of humor. He wisely counselled me in a very stressful situation. I cannot say enough about the excellence of his service, his understanding & unending patience & his ability to advise me with the various options I had. Not only will I recommend him to my clients but I will certainly use him myself wherever & whenever possible. An absolute pro!

Faith G.

David was amazing to work with. Being a first time home buyer, we were unsure of the entire process - but David took us through step by step and provided us with all the information which made us feel at ease and supported throughout. He definitely went above and beyond and we couldn't be happier!

Rehana M. and Hussein J.

This is our second time using David. David was instrumental in setting us up with the most competitive mortgage refinance and home equity line of credit. He asked all the right questions to ensure we were set up for success. We have and will continue to recommend David to everyone we know. It has been a stress free endeavour.

Cameron S. and Amy B.

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. 

I had my pre approved mortgage with my bank and I just wanted to double check the terms with Dave Larock, and that happened to be the best choice. We discuss all the terms, he explained everything clearly and gave friendly advise wherever was needed. He kept us updated on a daily basis and we have finished all the process with the great feeling of saving several thousand dollars. If we ever go for another mortgage we know that Dave will be our man.

Jesus G. and Esther P. 

David was extremely helpful! This was my first time buying a house and he took care of everything. I supplied him with the info and he provided more then expected. Highly recommend his services!!!

Andrea A. and Michael D.

David is wonderful. He was always very clear in explaining the pros and cons of the various available mortgage options. He was always prompt in responding to questions. He was professional and pleasant. I highly recommend David as a mortgage broker.

Dale M.

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 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.

Dave is a superb mortgage broker. He provided expert guidance on my purchase and was always remarkably responsive and provided amazing customer support. I would heartily recommend him to anyone looking for a mortgage.

Patricia R.

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

Sam R.

Dave is knowledgeable, passionate and thorough. The scope of service provided by IMP is truly remarkable. From the initial planning, viewing, offering and all the way until closing, Dave was there to help guide us to make the right financial decision. Beyond his guidance he was also able to secure a fantastic mortgage and rate - much better than we could have anticipated. We love using IMP as we learn so much from Dave! We have, and will continue to recommended him to many of our family and friends. Thank you!

Meagan B. and Matthew C.

As a first home buyer, I had no idea what was involved in buying a house and getting a mortgage, but Dave made the whole process so easy and smooth. He answered all our questions quickly, was always available to help, and really did all the work for us. He even managed to score us a last minute rate cut! Highly recommend!

Daniel G and Isabel K.

I find David Larock's blog posts extremely informative, so his professional expertise helped me before I even contacted him. On our first phone call (and thereafter) he took plenty of time to explain everything I had questions about. And the mortgage rate he was able to offer was lower than even the credit unions'. Thank you, David, for helping me through a stressful process! I feel confident that I got the best deal available.

Marge C.

Dave helped me with my first mortgage renewal. Since this process was new to me, Dave took the time to explain the whole process, what to expect, and was able to answer all of my questions clearly. As part of the process, Dave also asked me key questions to help understand my future priorities. I was able to get a mortgage with a competitive rate and with terms that worked for me. I would be happy to recommend Dave to my friends and family.

Paul C.

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.

Whatever your mortgage needs may be, there is no need to speak with anyone else. I highly recommend David Larock, you won't be sorry!

Gaby G.

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 is both knowledgeable and straight forward, which is a combination I appreciate. Thank you and your team for an efficient, transparent and hassle-free service. This is the second time I am using you, which speaks for itself.

Bruce and Alison F.

Working with Dave was by far the smoothest part of our home buying experience. A couple of exceptional circumstances on our end may have made securing a mortgage a bit difficult - Dave went out of his way to find a solution that worked and did so without any extra stress to us. He ensured we understood the process and no question went unanswered. His level of commitment to his customers is second to none and he gave every confidence that he would find the best solution for our needs. Dave is a real pleasure to work with - I would work with him again any day and highly recommend him for anyone with mortgage needs.

Vicki and Rachel F. 

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 was a pleasure to deal with in what was an otherwise difficult process. He was always responsive and willing to take the time to thoroughly answer questions. And when issues arose, he worked hard on our behalf.

Tim S. and Katie D.