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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:

Monday Mortgage Interest Rate Update

Monday Morning Interest Rate Update for May 29, 2023

I was away on vacation this past weekend. Here are a few links to some of my most popular recent posts.

Read Post: Monday Mortgage Interest Rate Update

Read What Dave's Past Clients Said

Thanks Dave, you were a great addition to a very exciting and of course stressful change. Your prompt response and follow up was key to helping us track this decision to grab our dream home. I am in real estate and would highly recommend you to any of my clients. Thank you.

Jeff and Nisa S.

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.

David is a very creative thinker and problem solver. We were in need of a mortgage for our first-ever commercial property, and he came up with a plan that not only saved us money but allowed us to pay down some nagging personal debts. David and his team were always quick to respond and quick to make things happen. Plus, he's a nice guy with a good sense of humour. Check him out.

Greg and Julie S.

In our short time as home owners, David has helped us with two mortgages and two moves. He is patient, courteous and knowledgable. We were fully confident with him to handle all of our mortgage needs. We definitely would recommend David to all of our friends & family. 

Jaime Y and Sam C.

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.

Dave was absolutely very informative, helpful, courteous and professional throughout the entire process of acquiring a mortgage. I highly recommend his services!

Pina GZ

It took us 16 months to find our first home, buy it and close the deal, and David was there every step of the way. He always had time to answer our questions - and there were many, since we bought our home privately and chose a PPI (purchase plus improvements) mortgage. I do not think we would have felt confident proceeding with the private sale if we didn't have David behind us.

We knew he would catch anything we screwed up on, and of course he did. (He also caught a few mistakes made by our lawyer!) Both my partner and I felt that David was very honest, very unlike the mortgage broker stereotype. He explained everything clearly, and then re-explained it again and again when we forgot or when months went buy between houses we bid on. If ever we were uncertain about something an agent or lawyer told us, one of us would inevitably say, "Let's run this by David." Right up to closing day, he worked to make sure he got us the very best rate.

We are happy with our rate and lender, and have chosen to have David continue to act as our representative for the term of our mortgage. I would recommend David unhesitantly to family and friends. I can honestly say the experience was 100% positive, and I am not an easy person to please.

Amy D and James R.

I've worked with Dave and his team over the last 10 years on a couple of different mortgage products and II don't look anywhere else at this point...he's my go to. He always evaluates my situation and ensures that I get the product that is just right for me.

Jonathan L and Ann K.

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.

I had not dealt with a mortgage broker in 7 years and had forgotten everything! I was grateful that Mr. David Larock was both knowledgeable and personable in helping me navigate the procedures and intricacies of the forms and regulations. AND I was encouraged to check out other sources for rates and payback options...but I had already found the best rate and the best options. Thank you!

Gabriele H. and Jonathan B.

This is our second mortgage experience with Dave Larock. The first was a renewal in 2013, and the most recent was for a new home in 2016. We're satisfied in every way with Dave's negotiations on our behalf and with the two lenders we've worked with through him. Thanks, Dave.

Erika V. and David R.

Thanks, Dave! I would recommend Mr. Larock as a mortgage broker.

Howard F.

Dave has supplied me with great advice and counseling for years -- he goes the extra mile and is always available and responsive. I am very happy with his service and will continue to work with him in the future.

Alastair and Susan M.

It is so nice to see customer service has not been forgotten about in every industry! David Larock and Integrated Mortgage Planners Inc. go above and beyond to exceed expectations. The customer service level is exceptional and other's could learn a lot on how to better their business by taking a page out of David Larock's book. Well done!

The whole experience from start to finish was wonderful. Dave and his team were very patient and informative. I would recommend their services to anyone looking for a mortgage. Thanks!

James C.

Dave was extremely knowledgeable and thorough in answering all our questions about our mortgage application and the process. His responsiveness and the extra time and care he took in explaining all the details and options we had available made us feel like he really cared about us beyond the deal. I would highly recommend his services to anyone who's looking for a reliable mortgage expert!

Allie D. and Brian B.

Happy with the advice and options provided, not to mention expediting the process to get it done on time.

Gord W. and Marianne L.

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.

Excellent service! David always responded quickly with clearly laid out instructions and information. He consistently made time to talk on the phone and was thorough in answering all questions. Thank you for making this process so easy!

Uros and Dina M.

The service provided by Dave was excellent. His detailed approach instilled confidence that we were working with a true professional. Dave presented us with information and options we would not have otherwise considered and his assistance helped the application process to run very smoothly.

Edward A. and Jennifer P.

David and his team went above and beyond to answer our questions and concerns we had and made sure we understood everything in all the fine print, we will continue to use David's service on our next purchase.

Adam P and Kristen V.

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.

David and team helped us at every step of mortgage application. They were patient in explaining information needed along with follow ups for additional information. David also helped us with bridge financing which eased our overall buying experience. David kept us informed of changes to our application as it progressed through various steps including drop in interest rates. David got us the best rate in the market and I totally recommend his services.

Kaanu J. and Conrad D.

As first-time purchasers, we had a lot of questions and concerns leading up to the purchase of our home. From the first call with David, we were made to feel very welcome and at no time did we feel like a bother with our barrage of questions. David always replied promptly and with the answers we were looking for and would follow-up with phone calls if needed. He has a passion for mortgages and economic matters, evidenced by the informative articles and weekly updates on his blog. We have no hesitation in recommending him to anyone looking for a mortgage - for a good rate and strategic advice.

Raj B. and Megan M.

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. 

Thanks, Dave. You take care of it all so well!

Nichol and Adele R.

Our Mortgage Broker David Larock is fantastic at what he does. In addition to just helping us get our mortgage for our home, he also keeps us up to date with a quarterly newsletter that provides in-depth insight and advice about mortgage planning. I can not speak highly enough of his thorough, professional and personal work.

Jim D. and Laura H.

 

David definitely simplified the process of renegotiating our mortgage. His analysis is clearly explained and the options are made very clear, objectively. We always felt that he understood our perspective and concerns and that he was providing a real value-added service to compared to anything we have ever experienced at a bank branch level.

Edward B. and Lisa N.

David and his team have been highly responsive and professional throughout our working relationship. I would gladly recommend their services.

Ali K.

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.