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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:

If the U.S. Federal Reserve Drops Rates, Will the Bank of Canada Have to Follow?

Monday Morning Interest Rate Update for June 17, 2019

The futures market is now betting on three rate cuts by the U.S. Fed this year. Today's post explains how Canadian mortgage rates are likely to be impacted.

Read Post: If the U.S. Federal Reserve Drops Rates, Will the Bank of Canada Have to Follow?

Read What Dave's Past Clients Said

David is awesome, knowledgeable and very helpful. He was able to get us the best rate on the market and was available to help us with all our needs. When we renew our mortgage agreement, we plan on using his services.

Misha B. Arij A. 

David Larock exceeded all expectations at every turn. To close my rental property purchase on time, David needed to expedite a re-finance deal by multiple days, and leveraged his existing relationship with the lender to do so. Also, when the lender charged me an unwarranted penalty for changing the terms of my existing mortgage, he immediately had the situation rectified. I will undoubtedly recommend David to friends and family who are seeking mortgages.

Dale C.

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.

 I'm a repeat customer and will continue to be. Enough said. ''

George M.

Buying your first home can be a scary process. IMP had the answers to all of our questions. I wouldn't hesitate to recommend them to anyone.

Matt L. and Suzanne K.

David Larock was the ultimate combination of focused professionalism & inspiring responsiveness. I only wish his work ethic was embedded to this standard in more businesses.

Stephen D. and Kelly H.

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.

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.

David provided exceptional service when we had to renew our mortgage. He was knowledgeable and clearly outlined our best options to help us make a decision we are confident in. He responded quickly to our questions, was organised and problem solved all issues that arose immediately. He made what is often a stressful experience go smoothly.

Jenny and Christopher S.

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

Ali K.

It was a pleasure dealing with Dave Larock for our mortgage. He was easy to get a hold of, was extremely organized and made the process seamless. Very professional and knowledgeable. We will definitely work with Dave again.

Caley M. and Marie-France L.

 

In our short time as home owners, David has helped us with two mortgages and two moves. He is patient, courteous and knowledgable. We were fully confident with him to handle all of our mortgage needs. We definitely would recommend David to all of our friends & family. 

Jaime Y and Sam C.

David is extremely knowledgeable in his field and he is able to explain the details to the ordinary person. He responded promptly to my phone calls. I felt confident in his handling my mortgage arrangements. It was a pleasure to work with him.

Freda and David P.

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 was patient, knowledgeable, and responsive - the service we looked for in a broker.

Gary C. and Amy V.

Our mortgage application process involved some complex issues and unforeseen developments. David Larock was thorough, professional and understanding throughout. We wouldn't hesitate to recommend him.

Lesile B. and Geoff B.

“David Larock was very efficient, knowledgeable and helpful. He worked hard to make sure everything went smoothly for us. He was always available and happy to help. We would recommend David to anyone we know who is looking for a mortgage!”

Diane and Angelo D.

David Larock made the entire process of getting and understanding the terms of my mortgage very easy. It really felt like he was in my corner the entire time and was very responsive when it came to answering questions. As a first time home-buyer he really took a lot of the anxiety out of the process.

Milos Z.

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 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.

As a first time homebuyer David was a dream to work with. He made the process of buying a home and working through the paperwork an absolutely pleasure.

Mohamed G. 

It was a pleasure to deal with your organization.


Chris B.

David is amazing! I was referred to him by a close friend who told me David was the best in the business, David not only met my expectations he exceeded them! I was extremely impressed with David’s flexibility and the fact he was always reachable. My mortgage financing deadline was short so I found it very helpful that David remained on top of my file and was always in contact, if he missed my call he was quick to get back to me which was greatly appreciated and made me feel like a valued client. David was professional and knowledgeable throughout the whole process and even followed up with a call to see how my move went and if I’m happy with everything...nice touch! High recommend to family, friends, and all!

Oliwer W.

All questions were answered promptly and clearly. It was a pleasure partnering with you for our mortgage.

Sylvia N. and Edward K.

I highly recommend Integrated Mortgage Planners to anyone looking to get a mortgage. Rarely do you find an individual or company that genuinely cares about your business. At every point in the process Dave was there to assist with his in-depth knowledge of the mortgage industy. I was so happy to get Dave's help in getting my mortgage and I will surely get his help again in the future. Keep up the great work Dave!

Paul and Marija M.

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

Randall and Kathryn S.

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.

Dave provided fantastic and thorough advice and helped with all the logistics. He answered all my questions and definitely exceeded my expectations. i would definitely recommend Dave for anyone who needs either mortgage advice or a mortgage or both, and also recommend his very pertinent and articulate weekly column.

Caroline C.

This was the second time we have worked with Dave and in both cases he has been professional, knowledgeable, and accessible. I would recommend Dave to anyone who needs assistance with their mortgage!

Ryan and Wioleta S.

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.