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Mortgage Poll

Which way do you think interest rates will trend in the next 6 months?

Up more than 1% - 11.6%
Up slightly - 30.1%
No change - 36.5%
Down slightly - 13.4%
Down more than 1% - 1.9%
Don't Know - 3.4%

Total votes: 2531
The voting for this poll has ended on: April 1, 2022
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:

Where’s My Rate Drop?

Monday Morning Interest Rate Update for March 20, 2023

Bond yields have plummeted but mortgage rate drops have been slow to materialize. Today's post explains why.

Read Post: Where’s My Rate Drop?

Read What Dave's Past Clients Said

The service was outstanding and very quick responses overall. Would certainly recommend IMP to friends.

Curtis and Libby B.

This was my third mortgage transaction with David Larock and the team at Integrated Mortgage Planners Inc. over the past 6 years. David has always ensured that my financial needs were top priority and has worked diligently to provide guidance in the mortgage negotiation process. I highly recommend David and his team to anyone looking for the best mortgage options at highly reputable lending institutions.

Susan M.

As a first time home buyer the process can be quite daunting, and we definitely had a lot of question. But having David Larock as our mortgage broker made the process a little easier. He is very approachable and answered all of our mortgage related questions promptly. He would call us often to check in and provide us with all the information we needed. Of all the people we worked with in the house buying process (real estate agents, lawyers etc.) he was the most helpful, and knowledgeable. I highly recommend David Larock. 

Kristin R. and Hope S. 

We were first time home buyers and as such were a bit lost at times. Dave was a calm and helpful presence throughout the process. Mortgages are a complicated transaction but Dave and Integrated Mortgage planners made it a positive and relatively simple experience.

Kirby B. and Emma W.

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 Larock was conscientious and dedicated. I could always count on him and that he will deliver more than I had expected. His patience with the bank bureaucracy is legendary. I have already made some recommendation and will continue to do so.

Michael and Victoria W.

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.

From day one Dave was a true professional answering all of my questions and laid out the options available to me. It was a pleasure dealing with him.

Jawed and Nasrien 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.

Dave Larock helped us obtain our mortgage for our first home. Dave was easy to communicate with and always responded in a timely manner. He is knowledgeable and provided us with all the information we needed to select the best mortgage product for us. Also, Dave has access to a large selection of mortgage providers, and was able to get us an excellent rate! We would definitely work with Dave again for future mortgages and highly recommend his services.

Travis P. and Jennifer N.

Thank you for making this process run smoothly. Much appreciated!

Cheryl G.

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

Ali K.

David was amazing to work with. Being a first time home buyer, we were unsure of the entire process - but David took us through step by step and provided us with all the information which made us feel at ease and supported throughout. He definitely went above and beyond and we couldn't be happier!

Rehana M. and Hussein J.

David Larock provided absolutely fantastic service. His prompt reply and kind service made it easy for me to refer him to one of my employees for guidance. I added David to my linkedIn profile because I consider him as a valuable contact for all my future mortgage endeavours.

Ludwig N.

Dave is a very professional & responsive mortgage broker to work with and is very respectful of his clients need to get everything done properly in a timely manner. 

Stephen D. and Kelly H. 

Well. My real estate deal was beginning to crumble within the last week of closing. The stress was building. People weren't cooperating. My agents were disagreeing. But through it all David and Melanie were there when I needed an answer or explanation or an opinion. Dave was very organized which made things so clear and simple, in what seemed a very complicated process. And when conflict arose and the winds started blowing, Dave remained professional and personal, an impressive balance. Things were getting pretty bad at one point where I started doubting the people around me and was preparing for the worst. "This deal is going to fall apart and I am going to end up in court and lose a lot of money..." But Dave just kept pushing ahead no matter what obstacle presented itself. He always kept me well informed of my options and gave me a clear picture of what was happening. He didn't hide things, either good or bad. I was confident he had my best interests at the forefront throughout this experience. And Melanie was a cool gentle breeze on a hot sweaty day (which they were, I worked outside) always so kind and calm and ready to help. Thank you Dave for standing firm and allowing me to lean on you so heavily in "the perfect storm." You were more than a mortgage agent, I feel like we re companions after a long adventure. I'm kinda sad we won't be talking anymore lol. May God bless you and Melanie. Thank you (bows low in respect and gratitude).

Derek and Angelyn C.

Our journey to find a house lasted over a year and had several unfortunate bumps along the road. At every turn Dave was there to walk us through our options and provide sound guidance. We love the house we bought and it couldn't have happened without Dave's help. We definitely plan on using him again on our next purchase.

James J.

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: You proved yourself invaluable when an obstacle was thrown in to the process. Your knowledge, matter of fact approach and ability to adapt, I believe, was truly above and beyond what would be reasonable to consider good service. It is during the difficult moments that the exceptional show themselves and you have earned our trust unequivocally. Yours truly, Owen & Jessica.

Owen R. and Jessica D.

We could not have had a better experience working with Dave and his team. He was unbelievably knowledgeable and responsive. This was our first time buying a home, and Dave made the process incredibly smooth. We would recommend Dave in a heart beat!

Nicholas W. and Kathleen H.

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.

Dave was highly professional and extremely helpful in allowing us to secure a mortgage on our dream home. He is very experienced with any mortgage questions and knows lender guidelines and is happy to answer all of your questions. He is also very prompt at returning phone calls and emails. I would recommend and use his services in the future.

Camille P. and Peter G.

David was very helpful throughout the process educating us with useful documentation via his blogs, conversations over the phone and providing right direction and advise when needed. He really made the entire process smooth and kept us posted on the progress and next steps. THANKS A LOT for your services David.

Anand P. and Shruti S.

David is not only extremely knowledgeable about the Canadian mortgage and financial industry, he is also very passionate about it. I found David to be an incredible resource, he was open and honest and clearly explained my mortgage options. I cannot recommend David's services highly enough. I have saved money, many headaches, and gained a deeper understanding of what mortgage options are available to me - much more than I ever received from previous mortgages with one of the big five banks.

Michael and Kate V.

 I'm a repeat customer and will continue to be. Enough said. ''

George M.

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. 

As a first time home buyer, David was incredibly efficient and helpful with the process. He answered all of my (millions) of questions promptly and his professionalism exceeded my expectations. I would gladly recommend him to both family and friends.S

Sonja M.

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.

I've used a number of mortgage brokers in the past, but I never felt they had our family's best interest at heart. I was impressed with the professional service and candid advice we received from David Larock. He was able to get us an excellent rate, and even better, with an institution that didn't charge a lot of administration fees (have to watch out for those!) Our mortgage transfer went very smoothly. When I tell friends and family about my experience, they all want to know more about David and his company. Keep up the good work!

Tania P. and Gregori A.

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.