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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:

Is the Mortgage Stress-Test Rate About to Drop?

Monday Morning Interest Rate Update for February 10, 2020

Last week TD Bank lowered its posted five-year rate to 4.99%. TD’s move by itself isn’t enough to drop the stress-test rate. Other Big Six banks will need to follow. That’s where this gets interesting.

Read Post: Is the Mortgage Stress-Test Rate About to Drop?

Read What Dave's Past Clients Said

I have and will continue to recommend you to others. David is very knowledgeable so meeting him gave us all the information we needed. David and Melanie were very responsive, timely, and available for any questions we had along the way. The whole process was smooth thanks to your help and guidance. David and Melanie were also very nice to work with on a personal and professional level. Thank you so much for your help.

Tara C. and Huoi U.

We have known and used Dave and IMP for over 5 years and recommended him to several people. The information and advice he provides is excellent and his customer service is second to none. Highly recommend.

Ian B. and Cori M.

I had not dealt with a mortgage broker in 7 years and had forgotten everything! I was grateful that Mr. David Larock was both knowledgeable and personable in helping me navigate the procedures and intricacies of the forms and regulations. AND I was encouraged to check out other sources for rates and payback options...but I had already found the best rate and the best options. Thank you!

Gabriele H. and Jonathan B.

Dave's service as outstanding and we will for sure ask for his services in any mortgage related transaction. He has the experience of having worked in large banks and at the same time he provides you with a very personalized service. After we obtained our mortgage, we were informed by our lawyer that we needed bridge financing. This was one week before the closing. We told dave what was going on and he took charge of the situation immediately. In other words, we knew he was going to have this solved and in fact he did. That is great service to us. Thank you Dave for all your assistance.
 

Veronica P. and John C.

Dave was a great help in arranging our co-ownership mortgage for us, and walking us through the process. He was in frequent contact so we knew what was happening at all times. We highly recommend Dave's services.

Laura R. and Martin W.

David Larock is very knowledgeable about the mortgage world. We appreciated his professionalism and prompt, can-do nature!

Priyanka and Indrayudh G.

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.

David Larock was extremely helpful in getting us a line of credit. From start to finish it was less than two weeks and he resolved all issues that came up. We had been with the Royal Bank for over 25 years but after retirement with no fixed income, they quickly pointed us to a second party when we went to them to get a line of credit. If RBC had pointed us to TMG then we would have be quite satisfied but their solution was twice the cost. We are extremely happy with Dave and would recommend him to anyone we know.

Gordon P. and Nancy S.

Amazing service! Dave did everything we hoped for, he kept my family stress free through it all and always updated us on everything! Thanks for the outstanding service!

Valentina M.

Dave was great to work with during the purchase of our first home. He is very knowledgeable and did a great job to walk us through the entire process.

Becky E. and Yanni S.

It was a pleasure working with Dave on our mortgage approval. He was very quickly able to understand our needs and provide a number of options for us to work with. He was constantly in communication with us throughout the process and provided his expertise where we needed it. Thanks Dave!

Chris S. and Jennie B.

Dave made the process relatively painless especially as we were dealing over long distances with time differences. He made himself available and worked with our busy schedule.

Allison M. and Robert G.

David Larock was extremely knowledgeable, patient and approachable. During what can be a stressful time, he was easily accessible to answer questions (even on weekends and evenings)to put our minds at ease and to help us understand our options.

Shawn and Anisa B.

David Larock recently assisted me in obtaining first mortgage financing for my home in Calgary. I was very pleased with David's high degree of professionalism, and I found him to be extremely accessible whenever I had questions.

Glenn R.

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 went well above my expectations. His knowledge level and customer service well surpasses any bank I have ever used in the past. I will recommend his services and look forward to renewing with him in the future.

Andrew J. and Sarah A. 

We are extremely pleased with the customer service Dave provided to us! When he says he'll give you the same service he would give his mom, he means it!! You honestly don't find this type of customer service too often these days and having it while making the biggest investment of our lives so far was refreshing!

As first time home buyers we didn't understand the process and had a lot of questions, but Dave always took the time to answer all of our questions and ensure we understood. We really appreciate your hard work in securing our mortgage and would most definitely recommend you to friends and family!

Cheryl F.

As a first home buyer, I had no idea what was involved in buying a house and getting a mortgage, but Dave made the whole process so easy and smooth. He answered all our questions quickly, was always available to help, and really did all the work for us. He even managed to score us a last minute rate cut! Highly recommend!

Daniel G and Isabel K.

David was a pleasure to deal with in what was an otherwise difficult process. He was always responsive and willing to take the time to thoroughly answer questions. And when issues arose, he worked hard on our behalf.

Tim S. and Katie D.

I have worked with David Larock on several mortgage transactions, and he is always helpful and knowledgeable. He has ensured that the process is always smooth and efficient, and he has always been available to answer questions or discuss options whenever I have contacted him.

William S.

David Larock made the entire process so easy for us. We felt he was looking out for our best interest every step of the way and worked to find us the best arrangement possible. We would definitely recommend his services.

Patricia F. and Nick H.

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.

I'd definitely recommend Dave Larock to whoever is in the market. He got me the best mortgage rate in the market with a reliable lender. I got my mortgage and refinance done from the comfort of my home and this was all done in just over a couple of weeks' notice. He delivered what he promised.

Anuj and Madhur S.

I have been a real estate agent for almost 10 years now and over that period of time I have come into contact with countless mortgage brokers, none of which match the knowledge and service level of David Larock! I have already recommended him to all of my clients and family members who have been extremely satisfied. I recently used David to arrange my own mortgage and wouldn't think of using anyone else.

To put it simply, he's the best.

Jamie S.

It took us 16 months to find our first home, buy it and close the deal, and David was there every step of the way. He always had time to answer our questions - and there were many, since we bought our home privately and chose a PPI (purchase plus improvements) mortgage. I do not think we would have felt confident proceeding with the private sale if we didn't have David behind us.

We knew he would catch anything we screwed up on, and of course he did. (He also caught a few mistakes made by our lawyer!) Both my partner and I felt that David was very honest, very unlike the mortgage broker stereotype. He explained everything clearly, and then re-explained it again and again when we forgot or when months went buy between houses we bid on. If ever we were uncertain about something an agent or lawyer told us, one of us would inevitably say, "Let's run this by David." Right up to closing day, he worked to make sure he got us the very best rate.

We are happy with our rate and lender, and have chosen to have David continue to act as our representative for the term of our mortgage. I would recommend David unhesitantly to family and friends. I can honestly say the experience was 100% positive, and I am not an easy person to please.

Amy D and James R.

We used Dave and his company for our financing and renewal of the mortgage. Dave was super friendly and very patient and assist us through the whole process effectively without even attending his office. All was done through email and his staff was also knowledgeable and friendly to deal with, better than banks in my opinion. Will recommend to others and would love to work with him again in future.

Tam N. and Gwenael P. 

Working with David was a pleasure. He was extremely well informed and worked diligently to find the best mortgage possible for me. He was also very thorough and patient in exploring all options on my behalf. As a real estate agent I have dealt with many mortgage professionals and I would not hesitate to use David again and I recommend him to my clients with confidence.

Megan T.

David is a pleasure to work with!

Sam R.

Working with Dave was the best part of buying a house. He is knowledgeable and explained things clearly and as many times as we needed to hear them. He was available whenever we reached out, which was often at odd hours, and got us a great rate. We could not be happier with his services or recommend him more highly.

Heather C. and Brendan H.

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.