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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:

The Bank of Canada’s Surprising Announcement

Monday Morning Interest Rate Update for September 9, 2019

Last week the Bank of Canada (BoC) left its policy rate unchanged, at 1.75%, as the consensus expected, but it also surprised market watchers by maintaining policy-rate language that gave no hint of rate cuts to come.

Read Post: The Bank of Canada’s Surprising Announcement

Read What Dave's Past Clients Said

I worked with Dave on my most recent mortgage and he made the entire process simple and fun. I've recommended him to friends and they've also had a great experience. I recommend Dave Larock without hesitation.

Jess M.

Very helpful and enjoyed working with Dave. Got us a great rate and navigated some difficult issues with ease thanks.

Craig and Victoria G.

Dave Larock has been incredibly helpful. We've worked with him twice now, and we will absolutely reach out to Dave in the future if we needed a mortgage, and would absolutely recommend him to anyone we know.

Tyler and Simone M.

Dave was very helpful and supportive. When a last minute problem arose, he went to bat for us with the lender. We really felt he had our back!

Sylvia K and William G.

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.

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.

Professionalism at it's finest !!! What more could one ask for? Once again, thank-you very much David.

George H. 

“As a first-time home buyer, I had an awful lot of questions which Dave answered with extensive knowledge and reassurance! The process was seamless and it was extremely comforting to know that Dave had my best interests in mind at all times. “

Tara R.

As a first-time home buyer, the whole ordeal can (and did) feel overwhelming and intimidating. Speaking with Dave Larock just opened my eyes and helped me understand everything I was getting into. I had previously spoken to another mortgage broker from another company who was also helpful but Dave's thorough walk-throughs with me, breaking down every step, procedure, definition, and questions for me allowed me to breath easier through this, let's face it, life-changing moment. He also helped me realize there are other options and better deals out there which he helped me find. Thank you so much for turning this naive first-time buyer into a confident home owner!

Michelle V.

Dave was very easy to work with, responsive and informative. As situations changed, he was always at the ready with a viable alternative course of action.

Bob M.

Dave ensured that the mortgage application went smoothly and proactively dealt with any issues that came up. He also kept me in the loop throughout the process. I was able to get a mortgage product that suited me perfectly at a great rate. His blog is also a great source of information. I would not hesitate to go with Dave again for my next mortgage and have already recommended him to a few of my friends.

Derek C.

From our initial contact with David, we knew we did not have to shop around for other lenders. David was very prompt, professional, and most importantly very very patient. As a first time home buyer, we had many many questions and David took the time to answer them in layman's terms yet in detail. David went so far as to work on our application even while on vacation which we truly appreciated. We would rate David 11/10 and will be recommending him to family and friends. Thank you for everything David!

Saq & Natasha R.

Thank you for all of your help!

Alice W.

The team at Integrated Mortgage Planners got us a great rate and helped us source service providers that I wouldn't have expected our mortgage agent to have in their repertoire. Call them. You'll be glad you did.

Tara L. and Steve N.

Dave Larock did a great job. Did what others could not do. Great to deal with. 

Nathan M. and Julia G.

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.

 

You will not find a better rate. Anywhere. Our lawyer thought it was a typo.

Daniel & Brittany F. 

Working with Dave was a great experience. He made the process simple and straight-forward, got us a great rate, and helped us feel a lot more confident about the whole process. I would definitely work with Dave again in the future!

Natasha D. and Leslie B.

Dave came recommended to us by two friends who had worked with him in the past. We gave him a close-to-impossible task and a very challenging home equity financing project and he guided us through every step along the way. He not only got us a better rate but also with our preferred lendor.

Kevin M. and Heather D.

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.

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

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. 

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.

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.

Mr. Larock was able to deliver every thing he promised and more. His knowledge was excellent, he was an expert of his field, make us very comfortable all the way, his guidance gave us the peace of mind that any buyer hope to have. I can't express my thankful for David enough. So if any looking for a trustful, efficient and honest planner, in addition if you are looking for best rate in the market, don't hesitate to contact David and live our experience to believe . Thanks David

Yousef E. and Rudiana 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.

Without Integrated Mortgage Planners and Dave Larock we may not have had our house. It's that simple. Not only were the mortgage terms very favorable and the service excellent, when we hit a hiccup along the road (namely us changing cities and taking a job that had us on probation for 3 months while we would have been closing). Dave was able to calmly advise us on our options and secure the mortgage on the original terms. We would not have got the same attention interacting directly with a lender. He was always available to take calls and responded to emails promptly. We cannot recommend IMP highly enough and we will certainly be going back when we need to.

Raj M. and Kate S.

I used David Larock and Integrated Mortgage Planners for my first home purchase and couldn't have been happier with the service we received, as well as the interest rate! Dave made sure to keep us apprised of the changes in the status of our application as well as a last-minute rate drop, which was sincerely appreciated. I can't recommend them highly enough: they exceeded every one of our expectations.

Andrew S. and Alexis M.

Dave - I am very happy that I met you in person after reading one of your articles online. The discussion we had in person and the reading of your blog helped me tremendously in terms of equipping me with the key information on making that mortgage decision. My advice to somebody hunting for a mortgage would be to deal with somebody like Dave who is very knowledgeable, upfront, efficient and who can offer you meaningful options for you to choose from rather than your neighborhood bank's representative whose only option/agenda is to offer/push the one product they have. Thanks.

Vijay B.

Service was exceptional - very knowledgeable, always responsive and attentive, and provided quality guidance and alternatives to work through a number of complications during a very unique and long process. We have already recommended Dave to friends and will absolutely be back for any future mortgage needs.

Tim B and Stephanie O.