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Mortgage Poll

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

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:

A Look Back at The U.S. Housing Crisis Ten Years Later

Monday Morning Interest Rate Update for September 17, 2018

This week I take a look back at a post I wrote in 2010 that explains how the U.S. lent its way to a housing crisis and how Canada avoided the same fate.

Read Post: A Look Back at The U.S. Housing Crisis Ten Years Later

Read What Dave's Past Clients Said

Dave was an incredible asset to us in buying our first home! He explained everything in detail and offered up additional information and advice to help us understand and make the best decisions for our first home. He was always responsive, helpful and friendly. I would recommend Dave (and already have) to anyone looking for an excellent mortgage broker!

Naomi B. and Geoff V.

We have contacted several mortgage brokers before Dave, and Dave is the only one that would listen "carefully" our questions and be able to "clearly" explain all the details. He always responds to my questions quickly. I never have to wait for an answer. He is fast at handling applications, and I never need to worry about the progress. We are very happy to recommend Dave to anyone who needs reliable mortgage advice and excellent services.

Li-Jen C. and Lannie F.

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.

What is so great about working with David is that it genuinely feels like a partnership in which your needs are held in equal regard with the requirements of the mortgage provider. This means not only do you get a great deal. but you also get the product most applicable to your personal circumstances.

Nick and Stephanie Y.

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. 

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. 

David made this very big decision in my life smooth and easy. Explaining everything along the way, to ensure I knew exactly what I was getting myself into. Thanks again David, I am all moved in to my first condo and I am very happy!!!!

Meredith A.

David Larock far surpassed my expectations. He guided me through every step of the process professionally & with a great sense of humor. He wisely counselled me in a very stressful situation. I cannot say enough about the excellence of his service, his understanding & unending patience & his ability to advise me with the various options I had. Not only will I recommend him to my clients but I will certainly use him myself wherever & whenever possible. An absolute pro!

Faith G.

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. 

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.

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.

David's extensive knowledge and years of experience, along with his personal relationships with lenders, underwriters and other professionals in the mortgage industry ensured that the lending process was easy and smooth and that any snags along the way were handled in the most efficient and convenient way.

Eugene R. and Patricia D.

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.

Dave is really knowledgeable and on top of things. He took the time to explain to us our options and what made the most sense for us.

Jenny L. and Sam C.

We've used David's mortgage services for two properties over the last 5 years. We are very happy with David's attentiveness, prompt and detailed responses to our inquiries, along with the overall quality of service. Thank you!

Ken W. and Bike B.

David was very competent and helpful. The whole experience was worry-free and sweat-free for me. I was definitely in good hands and I would definitely recommend him to my family and friends.

Jinah P.

David is great to work with. Very attentive to client needs, queries and follow-ups.

Grant C.

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

Curtis and Libby B.

As first time home buyers, we were bombarded unsolicited advice, information, warnings and tips about entering the Toronto housing market from friends, family, colleagues and people in the real estate field. As a result, we were nervous and slightly unsure as to what to expect throughout the whole house purchasing process. Dave at Integrated Mortgage Planners helped to put our mind at ease. In our first meeting he was able to explain and simplify all the information that we were overloaded with. He was able to find a mortgage that worked for our needs at a rate that cannot be beat!

Michael O. and Victoria S.

The service level I received was above excellent. David was exceptionally friendly and knowledgeable. We ended up getting 2 mortgages (my daughters) and a line of credit. In an era of average at best customer service David should be giving lessons as the entire experience from start to finish was outstanding. We will be recomending David to friends and family.

Marc C.

David was a pleasure to work with, always easy to get in touch with and happy to make time for us. He answered all of our questions, proving additional resources where needed. He worked quickly for our short time frame, got us a great mortgage, and left us feeling very confident about our decisions. We would highly recommend David and look forward to working with him in the future.

Martin and Johanna S.

David had provided me with some mortgage options before the big banks had even returned my calls. As I was in the process of separating from my spouse, I distracted and stressed with other matters, but I always felt as though Dave had my application well under control. It was a relief to have one less thing to babysit!

Sarah C.

From A-Z, Dave was prompt, professional and knowledgable. He went above and beyond to ensure I was kept up to date with every aspect of the process from my application to my approval. He answered all of my questions along the way and his dedication to ensuring a high level of customer service made the entire process stress free and easy. I would definitely recommend Dave to everyone.

Andrea C.

David Larock was a pleasure to deal with. He provided us with good advice and explained every detail to us very clearly. We honestly felt he had our best interests in mind. 

Marco and Tanya M.

I would strongly recommend the services of Dave Larock and Integrated Mortgage Planners without hesitation. They were able to effectively deal with a very complicated financial situation and create attractive and workable mortgage and financing options on an expeditious basis. We felt extremely comfortable in Dave's hands throughout the financing process and the final result certainly illustrated how valuable Dave's services had been.

Sean K. and Michelle D.

To anyone considering arranging a new or second mortgage, this is the company to choose. There are other who advertise the "best rates" on the radio, but those companies only provide the same or higher rates than Integrated Mortgage Planners. This company provides the best rates, walks you through the process, gets the mortgage commitment from the lender, and everything proceeds smoothly from there. If you want integrity, consistency, and no surprises, please do yourself a favor and contact David Larock at Integrated Mortgage Planners. My wife and I arranged a mortgage through David, and we and our lawyer were very happy with the result. You won't do much better than getting a mortgage through David.

George and Jacqueline C.

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

Ali K.

Dave is personable, thoughtful, and he sure knows his stuff. As first time homebuyers, we really appreciated Dave's advice— via email and phone for our specific questions, and more generally through his blog. He was quick to respond to any question or request we had, and kept us informed as we moved through the buying process. We'd definitely recommend homebuyers-to-be reach out to Dave.

Jonathan S. and Jacqueline A.

Dave Larock is a wealth of information when it comes to Mortgages. He was friendly and provided a very honest, reliable service that we were very impressed with. We have already recommended his name to our friends and will have no reservations at all regarding any of the services that he offers.

Vishnu P. and Sanjana S.

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.