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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:

Hola From Costa Rica

Monday Morning Interest Rate Update for January 20, 2020

The Bank of Canada meets this Wednesday. In next week's post I'll offer my take on its quarterly Monetary Policy Report and accompanying press statement.

Read Post: Hola From Costa Rica

Read What Dave's Past Clients Said

We highly recommend Dave Larock's services. As first-time buyers, we were not knowledgeable about the mortage industry; however, Dave provided clear and concise explanations that enabled us to make decisions with confidence. He was at all times professional, punctual and could be relied upon to deliver what he promised. We would certainly be willing to use his services in the future.

Becky G. and Penelope R.

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.

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.

Thank you David for your efficiency and for the ease of doing business with you and your team. You made the entire process a pleasant one and have always done the same each time we work with you! Always a pleasure.

Nelson M .and Tina R.

Dave was patient, knowledgeable, and responsive - the service we looked for in a broker.

Gary C. and Amy V.

What I wanted was a broker with the utmost integrity along with vast knowledge and Dave has these qualities in spades. My expectations were far exceeded and for as long as he is in business, he will be my go-to for mortgage related services and information.

Soomy and Navin K.

I found IMP's service very helpful in providing a good cross section of the products available to me at my time of request as well as the tailoring of these product options for my needs was accomplished quickly and precisely.

The follow up was prompt and the deal closed when and how it was expected to.

All in all an excellent service experience from start to finish.

Thanks Dave.

Chris V.

David Larock is very knowledgeable about the mortgage world. We appreciated his professionalism and prompt, can-do nature!

Priyanka and Indrayudh G.

We could not be more confident recommending Integrated Mortgage Planners to our friends and family. With great patience and customer service, we felt informed and confident in the mortgage application process. Integrated Mortgage Planners added great value and council, and acted in our best interests.

Neil and Lydia P.

“Integrated Mortgage Planners helped our family quickly and efficiently select a new mortgage, navigate through the process and get the paperwork finished so we could proceed to enjoying our home. David Larock was exceptionally attentive, and gave us a level of service we could not have expected directly from a bank or large mortgage company. David was especially helpful when it came to explaining the complex terminology associated with the mortgage... we really appreciated his personal attention and expertise.”

David L.

Dave was recommended to us by a colleague and we are so pleased to have connected with him. He was available, efficient and knowledgeable. He guided us throughout the process and went above and beyond to help us get the mortgage rate that we wanted. We would highly recommend Dave to anyone that is looking for an experienced mortgage agent.

Tariq and Nasim R.

Dave is simply the best mortgage agent in Toronto! His advice, mortgage rates and knowledge of the industry is unparalleled. He is awesome to work with and goes the extra mile in every regard. We are so lucky we had Dave help us with our house refinancing. His hard work secured us the perfect mortgage for our new home. Thank you so much for all your help and advice Dave. 

Paul and Maria M.

David Larock was a pleasure to deal with, he really came through for me where others couldn't. David was very patient with me and answered all my questions. I am so happy I got in contact with David and I will definitely recommend him to all my friends and family.

Eli and Malka J.

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.

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.

We are so thankful that we found Dave and Melanie to assist us with our house purchase. The house search has been a long process for us and Dave was available to answer all our questions right from the very beginning. We spoke to a few mortgage brokers/bank reps during our search but we found Dave to be the most patient, available, approachable and trustworthy. He provided us with different options, his recommendations and pros/cons of each, not to mention the lowest rates available. We truly felt that he cared about us as clients, not just as another number on a piece of paper. We've already recommended him to friends and family and will continue to do so!

Matt and Janice A.

I have and will continue to recommend you to others. David is very knowledgeable so meeting him gave us all the information we needed. David and Melanie were very responsive, timely, and available for any questions we had along the way. The whole process was smooth thanks to your help and guidance. David and Melanie were also very nice to work with on a personal and professional level. Thank you so much for your help.

Tara C. and Huoi U.

Dave and Melanie were a pleasure to deal with - knowledgeable, pro-active in providing information and updates, really prompt in responding to our queries and made sure that we got the best rate possible. Will be going back to IMP again in the future!

Carly and Avin B.

My experience with Integrated Mortgage Planners and David Larock was exceptional. I was given sound advice and led through the process with ease. Staff were very friendly and courteous and David answered my many questions. I also found articles on his website very informative. I highly recommend his services and continue to tell family and friends about my awesome experience.

Celiza R.

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.

My wife and I got Dave's name from our realtor. We have dealt with mortgage brokers in the past and didn't find them very helpful. Our impression changed completely after one phone call with Dave. He was very knowledgeable, patient, attentive, and personable. Dave also gave us a strong sense that he really wanted to find us the best mortgage possible. When we ran into some difficulties closing on our house, Dave went above and beyond to ensure that we were successful. He provided us ongoing updates and clear/helpful advice throughout the process. We are also very pleased that Dave will continue to work with us in the future to ensure that we continue to have the most competitive mortgage possible. He is a valued member of our team!

Joseph and Jen K.

If you are looking for someone to help you get a mortgage, or refinance, Dave is your guy. He's smart, he's determined, he explains everything clearly, and he stays close through the whole process. I had a rather unique and challenging situation, but Dave took it on with relish, and found me an amazing deal in very short order. I highly recommend Dave and team -- trust me, you will not be disappointed.

Eunice M.

David is awesome, knowledgeable and very helpful. He was able to get us the best rate on the market and was available to help us with all our needs. When we renew our mortgage agreement, we plan on using his services.

Misha B. Arij A. 

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.

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.

Dave was great. He made qualifying for the mortgage very easy and also gave insightful tips along the way. Being a first-time home-buyer, Dave was right there with us and got us a fantastic rate. We highly recommend him and his services and would definitely use him again.

Edward T. and Wyman S.

David and his team were extremely knowledgeable and helped guide us through the entire process of getting a mortgage. Not only was the customer service top notch, they also provided us with a rate that the big banks couldn’t come close to matching.

Matt and Tasha J.

David Larock was the ultimate combination of focused professionalism & inspiring responsiveness. I only wish his work ethic was embedded to this standard in more businesses.

Stephen D. and Kelly H.

David Larock made the entire process of getting and understanding the terms of my mortgage very easy. It really felt like he was in my corner the entire time and was very responsive when it came to answering questions. As a first time home-buyer he really took a lot of the anxiety out of the process.

Milos Z.

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.