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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:

Five Takeaways from the Bank of Canada’s Latest Policy Statement

Monday Morning Interest Rate Update for December 9, 2019

The Bank of Canada didn't raise rates last week and it sounded surprisingly optimistic about our economy's prospects. Today's post offers my take.

Read Post: Five Takeaways from the Bank of Canada’s Latest Policy Statement

Read What Dave's Past Clients Said

David and Melanie were fantastic to deal with, straightforward, honest and SO friendly! It didn’t bother them that I sent multiple emails full of questions (I did this quite frequently). As first time home buyers this process was brand new and at times stressful, David and Melanie were always there to clarify things and made us feel confident in the purchase of our new home. Highly recommended!!

Lindsay S. and Lucas B.

David is a very informative and supportive mortgage broker who really knows his stuff and will find you the best mortgage for your needs.

Thomas K.

Dave Larock is a wealth of information when it comes to Mortgages. He was friendly and provided a very honest, reliable service that we were very impressed with. We have already recommended his name to our friends and will have no reservations at all regarding any of the services that he offers.

Vishnu P. and Sanjana S.

As a first-time home buyer, the process of selecting the right mortgage appeared complex and quite scary. Integrated Mortgage Planners made us feel comfortable and knowledgeable about the whole process. Dealing with IMP was one of the best decisions we made regarding our mortgage selection.

Arnaud B. and Laura K.

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.

Dave was great to work with when I needed to renew my mortgage on a tight timeline. He simplified the whole process, which made it easy for me to trust him to handle my case. I will certainly use his services again in the future and recommend him to others. Thanks Dave!

Rhonda F.

It was a real pleasure to deal with Dave, he was very professional and provided us with exceptional service! Dave went over and above to help us out with our refinancing. He was always very patient and always ready to answer any questions or concerns we had. I would definitely recommend Dave to anyone looking for a mortgage broker! I look forward to continuing to deal with Dave.

Maria R. and Piero L.

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.

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.

I was very happy with the services provided by Dave and Melanie and I wouldn't hesitate to recommend their service to family and friends.

Morgan W.

Dave Larock helped make the purchase of my home a stress-free event. He ensured that every aspect was completed in a thorough and efficient manner, allowing me to feel confident throughout the process. I have already recommended him to others and will continue to do so.

Jodi L.

I highly recommend Integrated Mortgage Planners to anyone looking to get a mortgage. Rarely do you find an individual or company that genuinely cares about your business. At every point in the process Dave was there to assist with his in-depth knowledge of the mortgage industy. I was so happy to get Dave's help in getting my mortgage and I will surely get his help again in the future. Keep up the great work Dave!

Paul and Marija M.

David was super supportive and helpful from the beginning of our process when we approached him. He smoothed the road by clarifying every single complicated paragraph thru our documentation. His knowledge of the market and what all other parties offering was so helpful to enable us to choose our source. For any comparison, he always came up with options and we trusted him all the way thru. I definitely recommend him to anyone who needs a trustful source with a high knowledge of this business. I wish to add that his updates on his website and daily blog is extremely helpful to understand the language of this business.

Baharak R. and Amelie W.

During the process of obtaining a new mortgage, David Larock was tireless in his pursuit of the best possible deal. Although there were a few unexpected obstacles along the way, Mr Larock maintained his drive, his sense of humour and worked extremely hard to get the deal done. I will recommend the services of Integrated Mortgage Planners to family and friends, and I am sincerely grateful for the effort made on my behalf.

Chris S.

David Larock did a great job not only making the process very efficient but also in securing a fantastic rate and flexible overall credit plan that will serve me well in the future! He is a patient and persistent expert in the mortgage field. Thank you again.

Tim H.

Dave was a pleasure to work with! Knowledgeable, friendly and customer focused. I would not hesitate to recommend Dave to family and friends. 

Matt C. and Serina C.

David made it very clear from his actions that he was working on my behalf. He is persistent, patient and innovative. Good guy to have in your corner.

Keith T.

My wife and I were blissfully happy with the service we received from Integrated Mortgage Planners. David was courteous, knowledgeable, patient and incredibly helpful to us as we navigated this new world (first time homebuyers). He is honest, authentic and personable. We'll use him again, and we recommend that you do too!

Nadim K. and Victoria I.

Dave was phenomenal! He educated us on many aspects of home buying and financing and made a stressful experience a lot more easy. Thank you!

Kaki N. and David B.

We were introduced to David and Integrated Mortgage Planners by our real estate agent, she highly recommended them to us for their excellent reviews and vast knowledge. Our experience working with David and Melanie was great, their communication was excellent and they made it very easy for us to understand the different options and terms for mortgages. They were able to find us the best rate compared to other banking institutions. We both felt very comfortable and were not pressured into making any quick decisions. I have already recommended them to some friends and would not hesitate to put in a good word. 

Jamin and Tasnia I. 

Knowledgeable, efficient and easy to communicate with. The process of buying my first home was made simple, and any problem along the way was handled in a professional manner.

Danny R.

I have worked with Dave twice and his level of service is impeccable. He is knowledgeable, responsive, and has always worked diligently to resolve any issues or questions as quickly as possible. And he gets the best rates! I will continue to work with Dave in future and recommend his services to any of my contacts.

Karin L. and Jozef V.

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. 

David was our advocate every step of the way negotiating with a difficult and sometimes unreasonable lender. In the end, he helped us get an amazing rate and a seamless closing of our new house. Thank you so much.

Sanders P. and Karen C.

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.

David Larock went well above my expectations. His knowledge level and customer service well surpasses any bank I have ever used in the past. I will recommend his services and look forward to renewing with him in the future.

Andrew J. and Sarah 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.

Dealing with Dave is always seamless on his end, I appreciate his level of effort and attention to detail.

Albert B. and Shelley R.

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 on our mortgage approval. He was very quickly able to understand our needs and provide a number of options for us to work with. He was constantly in communication with us throughout the process and provided his expertise where we needed it. Thanks Dave!

Chris S. and Jennie B.