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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:

Should Canadian Variable-Rate Borrowers Lock in Now?

Monday Morning Interest Rate Update for November 11, 2019

Today's post answers an increasingly popular question: Should variable-rate mortgage borrowers lock in a fixed rate now?

Read Post: Should Canadian Variable-Rate Borrowers Lock in Now?

Read What Dave's Past Clients Said

Dave was both super knowledgeable and super responsive. He quickly and clearly answered any questions I had about the process, and felt confident that we were in good hands from the beginning of the process through closing. I'd happily recommend Dave's services to anyone.

Shane and Hilary B.

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.

My wife and I had high expectations and David's level of service went above and beyond. His ability to walk us through the process and clearly explain our mortgage options made us feel confident in our home purchase and put us at ease through what is typically a stressful event. His follow through after the transaction was completed was also much appreciated. I would highly recommend him to anyone! 

Adam and Monika H.

Dave's friendly, knowledgeable and prompt approach to customer service and mortgage planning make it easy for us to know we'd call him again in the future and recommend him to anyone looking for an excellent mortgage broker.

Ian B. and Cori. M.

Amazing service. It was really quick and David knew exactly what he was talking about and most importantly delivered everything that he promised. This was my second time dealing with a broker and the experience from previous was night and day. David was polite, straight forward and didn’t waste any time. Also he submitted it to only one institution and not multiple- so credit didn’t get dinged.

Ash B. and Umee S.

We had an unusual income situation that was well handled. Excellent service!

Clare P. and Stephen B.

“We thought that the service provided by David was great.”

Randall and Kathryn S.

David was tremendous to work with. We had a long history with the big banks and realized we were paying more then we needed to, and getting inferior service. David answered all of our questions, provided constant updates throughout the process and it seemed like every time we spoke prior to closing he was saving us more and more money. To be able to complete all of the lending process in the comfort of our own home compared to going into a bank was a refreshing change. We will definitely be using David again in the future.

Bill and Julie C.

David was very helpful and efficient in arranging the financing I needed in a timely manner. He even kept in touch by email on his vacation. I would definitely consult him about any future mortgage needs and recommend him to friends looking for a mortgage.

Marnie T.

As a first time home buyer I felt like I was in the right hands with Dave. The patience and confidence he provided was very much appreciated. He provided sound advice and we felt like he was looking out for our best interests. I would recommend him to friends.

Prashant G and Jyoti 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. 

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.

As a first-time home buyer, I appreciated that David provided me with comprehensive information not just about the mortgage conditions but the general process throughout. His assistant Melanie was also very friendly and quick to respond!

Jenny H.

Dave made the entire process amazingly accessible! We were first time buyers with a tight deadline and almost no knowledge on what the process entailed. Dave's friendly informative and quick approach was invaluable. Can't recommend him highly enough.

Alex I. and Cassandra G.

David Larock was recommended to me by my agent at Realosophy. David was very prompt with his communications, and took the time to answer any questions I had about any and all parts of the process. I felt confident that the process of securing a mortgage was being well handled, and have no complaints. I did not have any doubts that David was acting in my best interests, and would happily recommend his service to family and friends. Thank you David.

Adam C. and Kadia P.

After going through 3 pre-approvals and feeling as if every advisor out there is trying to up sell us, we met Dave and felt that we were saved. In our first meeting, Dave spent 1.5 hrs with us just answering all our questions and, more importantly, asking us "why." We truly felt that he understood what we want and is working in our best interest. Dave's attention to detail throughout the mortgage process really made it a piece of cake. Overall, we are very satisfied working with Dave & already recommended him to 5 other friends. Don't miss out on an amazing advisor! 

Shreya A. and Rahul A.

As first time home buyers we really appreciated the guidance and excellent advice Dave gave us. He was very knowledgable and approachable, making our experience with Integrated Mortgage Planners an excellent one.

Andrew Y. and Brenna C.

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.

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 was very good at explaining the process of obtaining a mortgage. He responded quickly when contacted and was always pleasant to deal with. David kept his eye on the rates and was able to obtain a lower rate than the original quote, which was greatly appreciated. I would definitely recommend David's services.

Brooke W.

The level of service that we received through Integrated Mortgage Planners was excellent. We were able to get a great mortgage rate. Dave Larock was extremely helpful in guiding us through the mortgage renewal process. He took the time to answer all of our questions and we were impressed with his approachability and his great efficiency. Thanks so much for your help. We'll be back in touch when we need to go through this process again.

Kevin H. and Adrienne G.

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.

We just completed our second renewal with David Larock and could not be happier with the service he provided. Dave quickly responds to requests for information and explains things clearly. We have recommended his services to others and will continue to do so in the future without hesitation.

Tanya and John N.

Dave was very knowledgeable and pleasant to work with. He advocated for us throughout the process and thanks to him, our mortgage application was approved lightning-fast. We would definitely recommend him to anyone looking for a mortgage.

Eric and Anne J. 

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.

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

Curtis and Libby B.

Dave did a fantastic job with our mortgage and home equity line of credit. He got us a great rate, explained the options well and delivered in a condensed timeline. I would definitely use his services again in the future.

Brad and Amanda J.

We were very happy with Dave's service. He was very good about educating us on suitable financing options including one that we didn't know about (and ultimately went with). When we had a hiccup with our appraisal, he was very good about making everything right so that we were happy. We would definitely recommend Dave as an excellent mortgage agent.

Jeremy and Amanda K.

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'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.