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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:

Gas Prices Are Going Nuts (In Case You Hadn’t Noticed)

Monday Morning Interest Rate Update for June 27, 2022

Today's post takes a detailed look at last month's inflation data and outlines the implications for Canadian mortgage rates.

Read Post: Gas Prices Are Going Nuts (In Case You Hadn’t Noticed)

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.

It was a real pleasure to deal with Dave, he was very professional and provided us with exceptional service! Dave went over and above to help us out with our refinancing. He was always very patient and always ready to answer any questions or concerns we had. I would definitely recommend Dave to anyone looking for a mortgage broker! I look forward to continuing to deal with Dave.

Maria R. and Piero L.

David got me a fantastic rate. But that's only half the battle. One needs to have the right product for their financial situation and goals. Time was also taken to find a mortgage with the right terms (generous prepayment options, a non-punitive prepayment penalty, etc.). I also tend to ask a lot of questions. These were welcomed with patient and thorough explanation. Highly recommended!

Jeff N and Amelie B.

David is very approachable and he took the time to answer all of my questions. The articles on his blog are also informative and they really helped me understand the pros and cons of different mortgage options. Not only did he find me an excellent mortgage rate, I became an educated consumer. I highly recommend David's service.

Mia K.

David is a very creative thinker and problem solver. We were in need of a mortgage for our first-ever commercial property, and he came up with a plan that not only saved us money but allowed us to pay down some nagging personal debts. David and his team were always quick to respond and quick to make things happen. Plus, he's a nice guy with a good sense of humour. Check him out.

Greg and Julie S.

Dave was amazing! We had a fairly complex mortgage and he was proactive in thinking through questions that my husband and I would have even before we had them. He called me every couple of days to keep us in the loop with what was happening behind the scenes. He was fantastic to work with!

Janet and Tim S.

 

We were very pleased to arrange our mortgage with Integrated Mortgage Planners. Dave knows his stuff, explained mortgage options in a simple and straightforward manner, and ultimately directed us to the product that was best-suited to our needs. He was very responsive and took the time to make sure we had all the information we needed. We would highly recommend Dave and Integrated Mortgage Planners to anyone looking for a knowledgeable broker who they can trust to get them the best mortgage out there.

Rick S. and Anne T. 

It was a pleasure to deal with your organization.


Chris B.

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.

Dave was great to work with when I needed to renew my mortgage on a tight timeline. He simplified the whole process, which made it easy for me to trust him to handle my case. I will certainly use his services again in the future and recommend him to others. Thanks Dave!

Rhonda F.

Dave was very professional and instilled confidence in us at every step of the process. He answered our questions promptly and informatively. Because of my experience with Dave, I will always use a broker in the future - why not? Dave's services cost us nothing and provided peace of mind in navigating what is a complex field of finance. Dave also acted with integrity and was quick to demonstrate where to save money and where to spend it wisely. Thank you, Dave, for a wonderful, professional service.

Bruce and Alison F. 

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.

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.

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

Curtis and Libby B.

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. 

David Larock is an authority on mortgages. He demonstrated thorough knowledge of a complex industry and never over-promised. Would recommend and use again.

George M.

Dave has supplied me with great advice and counseling for years -- he goes the extra mile and is always available and responsive. I am very happy with his service and will continue to work with him in the future.

Alastair and Susan M.

Dave was fantastic in answering all my questions and concerns and he provided a great depth of detail when asked.

Amedeo V.

Dave is a superb mortgage broker. He provided expert guidance on my purchase and was always remarkably responsive and provided amazing customer support. I would heartily recommend him to anyone looking for a mortgage.

Patricia R.

Dave provided exceptional service. He was knowledgeable, honest and straightforward to deal with. He was also quick to respond to any questions or concerns that I had and followed up regularly throughout the process. I would definitely recommend him.

Kris L.

Dave was great as usual. We got all our questions answered to our satisfaction in a timely manner. We whole heartedly recommend Integrated Mortgage Planners!

Carly and Avin B.

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. 

This was the first time we used a mortgage broker and a Dave was great! He took the time explaining everything thoroughly (wealth of knowledge!) and was reachable to answer our questions at any time. We'll definitely come back when it's time to re-new. The process was seamless and would not hesitate to refer you to friends and family.

Sharon and Huy N.

We have used David's services twice and both times he has exceeded our expectations. He's an absolute pro who is clearly passionate about what he does. David most recently helped us realize our dream of owning a cottage. David's high-touch service level and expertise can't be beat.

Autumn and Matt P.

David is a very informative and supportive mortgage broker who really knows his stuff and will find you the best mortgage for your needs.

Thomas K.

When my partner and I started looking at homes, our real estate agent we went with recommended David and his team at IMP. We met with him for a consultation and we could see why he came recommended. David was polite, patient and answered all the questions we had (we had many). He was realistic and spelled out our options plainly. After we somehow managed to find our home and seal the deal, he didn't push us toward any one lender, he provided us with a few options to choose from that best suited us. Overall, a very good experience and would definitely use IMP again in the future. Thanks again!

James P. and Alex 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. 

David and team helped us at every step of mortgage application. They were patient in explaining information needed along with follow ups for additional information. David also helped us with bridge financing which eased our overall buying experience. David kept us informed of changes to our application as it progressed through various steps including drop in interest rates. David got us the best rate in the market and I totally recommend his services.

Kaanu J. and Conrad D.

Dave is an excellent service provider, he is knowlegeable, humble and always available to answer queries. I was not sure if I should go for fixed or variable rate, Dave has helped me to pick one suitable for my circumstances. Dave website, blogs provides wealth of information very useful for first time home buyer. I will refer Dave to my friends, relatives and associates looking for mortgage.

Ashish and Disha J.

Dave Larock did a great job. Did what others could not do. Great to deal with. 

Nathan M. and Julia G.