free templates joomla

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:

Fixed- Versus Variable-Rate Mortgages: Is the Reward Worth the Risk?

Monday Morning Interest Rate Update for March 18, 2019

The Bank of Canada has become much more dovish of late, and given that, now seems like a good time to revisit the age-old fixed versus variable rate question.

Read Post: Fixed- Versus Variable-Rate Mortgages: Is the Reward Worth the Risk?

Read What Dave's Past Clients Said

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.

David provided us with expert advice and sound options throughout the purchase and financing process for our new home. It's a time in life when you need exactly that. Thank you David!

Norm and Linda C.

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.

David helped us navigate the complexities of setting up a new mortgage and was able to recommend options that helped maximize what we could reasonably borrow within our budget. He was very easy to work with and kept us informed throughout the whole application and closing process.

Monika and Adam H.

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.

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.

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.

David went above in beyond in helping us with our mortgage transaction. He took the time to understand our needs and provided with a variety of options that met our needs. We couldn't have been happier with the entire process! We would definitely recommend David and team, and I look forward to working with them again in the future.

Luke S. and Paula J. 

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.

As a first time homebuyer, it was important for me to work with a mortgage broker that was a good communicator and well experienced. Dave is exactly that. He's also got great energy and enthusiasm for his field, which made the process less daunting. Right from the start, he broke it all down for me, without any jargon, laying out everything I'd need and should expect. If I ever had questions, I'd just shoot him an e-mail, and he'd get back to me inside of 10 minutes. His attitude and professionalism made the process very straightforward and I never felt stressed. I highly recommend Dave and will be happy to work with him again. 

Nadia B.

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

Jon L. and Ann C.

We were very happy to deal with David Larock for our mortgage needs. He worked very quickly to provide us with a mortgage pre-approval, and then found us a fantastic rate and made the whole process of getting a mortgage very pleasant.

Adele and Nichol R.

Dave did a fantastic job guiding us through the mortgage application process for the purchase of our first home. He was very prompt in all communications and always had the answers to our questions. We will definitely call him back when our term is up for renewal!

Joshua and Alicia C. 

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.

Best in class. Mr. Larock combines a strong financial and economic background with a keen eye for detail. Client for life.

T. McKenzie

David Larock at Integrated Mortgage Planners made our first home buying process very stress-free. He walked us through the process and got us an unbelievable rate with great terms. He was even able to accommodate our 2 week closing. We will happily recommend him to friends and family.

Jon H. & Amanda G.

 

Dave is very knowledgeable and kept us updated throughout the process. It was a pleasure working with him!


Avin and Carly B.

This was my first time buying a house on my own. David was a fantastic resource, he patiently walked me through every step of the transaction making the learning curve easy to handle. He was positive and professional throughout.

Margaret L.

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's confidence and knowledge in what he does is so evident, that even though we were a bit cautious about using a broker (especially since we never met in person and don't even reside in the same province), he managed to quickly gain our trust and provide us with a great service thus far. We are looking forward to working together again. Thank you, Gian and Ivana.

Gian F. and Ivana N.

I had a great experience working with Dave. His level of professionalism and knowledge much surpassed all of the mortgage brokers / bank representatives I spoke to during my selection process. Dave really took the time to understand my needs and my specific scenario and gave me the best advice. I would recommend him to everyone.

Nick K.

My real estate agent recommended Dave for my mortgage needs. I didn't realize what a professional I was getting. Dave was very helpful and always had answers to my questions. He was proactive, even responding to questions while he was on a brief summer vacation. I highly recommend Dave.

Jane A.

In making one of the biggest decisions of our lives, finding David was definitely a blessing! It was crystal clear to us that he was working on our side to get us the best deal. We’re 100% sure that although he already have a blog post to answer all the questions you might ask, he will take the time to explain and give you advice on all you want to know!

Moises and Gabriela S.

David was very professional and helpful during the whole process. It was a pleasure dealing with him.

Daniel G.

Dave was an amazing facilitator of finding the best mortgage for my situation. He helped me analyze the options, ensured that I understood all necessary details, and followed up immediately when needed. There's no comparison to my previous mortgage experience!

Ronnie T.

It was a pleasure having David Larock represent me. He explained the mortgage details in a simplified and understandable way. He was quick to address situations that arose. When I had a concern he was quick to reply and insured I understood it completely before moving on. I would highly recommend David to other individuals and have done so already. 

Mike P.

I wholeheartedly recommend Dave to our friends and family who are in need of a mortgage. His attention to our needs, ability to be reached quickly / easily, and professionalism was beyond impressive. Getting a mortgage is a stressful, complex, and layered experience, but Dave explains everything carefully and thoughtfully so we knew exactly what we were getting. What's more, I love bragging to my friends about the awesome rate that he got us. Buying our new home has lots of surprises and challenges: thankfully our mortgage wasn't one of them!

Celeste and Leslie K.

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.

David is a very knowledgeable and competent mortgage broker. He managed to pull together the procurement of our mortgage in a matter of a few days. He was available to answer any questions that arose immediately.

R. Chopra

I was a first time home buyer and David was always there to answer all my questions. He is an incredibly knowledgable and patient broker. Most importantly, he got us a great rate that the big banks couldn't even come close to matching. No matter what type of home you are looking for, David will help you make it happen.

David G.