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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:

The Case for Another 0.50% Bank of Canada Rate Hike

Monday Morning Interest Rate Update for December 5, 2022

Financial markets are pricing in another 0.25% increase by the Bank of Canada this Wednesday, but I think a 0.50% hike might actually make more sense.

Read Post: The Case for Another 0.50% Bank of Canada Rate Hike

Read What Dave's Past Clients Said

David was terrific in helping me with the process of buying my first home. He was very knowledgeable and patient in explaining the entire process to me. I would gladly recommend his services to anyone looking for a mortgage or just seeking advice.

Scott G. 

David Larock helped us through obtaining our first mortgage 5 years ago and we thought so highly of his abilities, we returned for our mortgage renewal this year. As new homeowners, we had so many questions all of which were very thoroughly answered by Dave. We felt reassured that we were supported every step of the way. We have recommended his services to our family and friends, and for anyone considering a knowledgeable and approachable mortgage expert, Dave is an excellent choice!

Gloria and Mark H.

I have no doubt that Dave helped me get the best mortgage out there. I had less than a week to get everything together, and Dave was helpful, responsive and worked with both me and the lender to ensure all the bases were covered. I would definitely recommend Dave to friends and family and will be in touch again when my mortgage comes up for renewal. Thanks again!

Nicole K.

I have used David's services numerous times now and I'll do so again when it comes time to renew my mortgage. David consistently has provided me with the best financial package to suit my needs. He is polite, courteous and far more knowledgeable than I about the financial markets. I trust him completely to help me make good choices. Thanks David!

Jason M. and Heather D. 

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

Curtis and Libby B.

Knowledgeable, responsive, and friendly. What more could we ask for from our mortgage broker? Dave and his team make the mortgage process easy and they anticipate our needs as the market changes. Dave proactively checked in to see how we were doing after a year and helped us land a more favourable term. THAT is the definition of caring for your customers! I would highly recommend Dave and his team.

Rob M. and Nicollette I. 

Dave was extremely helpful, knowledgeable, and responsive through the entire process - including fielding questions well in advance of our actual need for a mortgage. Through multiple interactions with Dave over a number of years he continues to impress. I would not hesitate recommending his services to anyone.

Tim B. and Stephanie O.

I needed a low interest rate mortgage and terms to suit my retirement income. Dave worked diligently sourcing all possible avenues. He kept me up-to-date, calling promptly and taking extra steps to research the unique conditions with my condominium building. He has an extensive knowledge of mortgages and the real estate market. Because of his expertise, I have a mortgage suited to my needs. Dave was such a pleasure to work with and his professionalism far exceeded that of anyone I have worked with in the past. I would not hesitate to recommend Dave to my family and friends.

Mary Ann C.

Dave found us excellent rates and when an unanticipated / uncommon issue arouse with our closing, Dave was able to bring us numerous options to ensure a smooth close (and ultimately a great rate with our eventual lender).

Kevin M. and Natalie G.

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.

Dave Larock was outstanding in his service. He met us on our schedule, and took the time to go through every detail of our mortgage with us. Being first time home owners, we had a lot of questions, and Dave was patient and understanding throughout the whole process. We shopped around for a mortgage broker, and found that Dave was able to find us a mortgage rate that was far lower than anyone else we spoke with. We had a short closing time (within a month). Dave was highly efficient in ensuring we would be able to get all the components together in a timely fashion. To top it off, he was an extremely pleasant and interesting person - we enjoyed our chats with him. We would recommend him in a heartbeat to any friend. Thanks for everything, Dave!

David B and Emily HB

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.

David made the intimidating process of applying for a mortgage easy and approachable. I am so grateful for his honesty, patience, and perseverance in finding me an optimal mortgage.

Syena M.

We are so pleased with our experience with David Larock. He made our stressful loan application into a manageable situation and with great results. We highly recommend Integrated Mortgage Planners and specifically David Larock to everyone. He can make an impossible situation possible.

Erika and Gus P.

We came to work with Dave through a referral from a close friend that has worked with Dave on several mortgages for his home and rental property. Dave's knowledge about mortgages far exceeded our expectations. We were continually impressed with his level of professionalism, creativity in finding the right fit for us and his integrity. Dave and his team did everything they could to ensure our needs were met and that we had all of our questions answered. It was a welcome and refreshing change from our big-bank experiences in the past. We would highly recommend Dave and his team to any friend or family member.

Jacquelyn C. and Anthony S.

Dave got us the best rate with the most confidence and the best service. Would recommend him to anyone.

Daniel S. and Leanne M.

Dave has been great at helping me get the best deal possible, and sorting out any complications along the way. His guidance was very helpful to me when dealing with the overwhelming first-time home buying experience!

Ian T.

David was just excellent to deal with. Extremely knowledgable - a world of info, efficient, and always one step ahead. Not pushy, he was honest. Simply awesome to work with.

Dr. Demetrios 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.

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. 

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. 

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

George H. 

Dave Larock provided us with expert advice and outstanding service. We have already recommended him to friends, and will continue to do so.

Klaas and Mary Beth K.

We were introduced to Mr. David Larock through a third party will little knowledge of his services. Our mortgage was not a typical straight forward mortgage to arrange. David stayed the course through the entire planning of mortgage including changes and ensured that we were kept informed of ongoing needs. Integrated Mortgage Planners provided a rate below the competitors.

We are very satisfied with the services of Mr. Larock and would not hesitate to recommend IMP to friends and associates. IMP has provided for the opportunity for both my wife and myself to open a flower shop and a legal services office that would not otherwise have been possible.

Larry and Robin H. (Commercial deal)

Whatever your mortgage needs may be, there is no need to speak with anyone else. I highly recommend David Larock, you won't be sorry!

Gaby G.

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.

Couldn't have been happier with the service. David explained everything to me step by step and I really appreciated all the help.

Elizabeth D and Stephen M.

Dave and Melanie were great to work with. If any questions came up they were quick to respond, and I believe they got us a great rate with a very flexible mortgage!

Tim L. and Dana S.

David provided a wealth of knowledge to us as first-time home buyers, both over the phone and on his blog. He found us an amazing mortgage at a terrific rate!

Andrew R. and Miki A.

 

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.