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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:

Is the Bank of Canada Bullish on Pot?

Monday Morning Interest Rate Update for November 12, 2018

The Bank of Canada expects that it will have to raise its policy rate to keep inflation near its 2% target, but our recent economic data imply otherwise.

Read Post: Is the Bank of Canada Bullish on Pot?

Read What Dave's Past Clients Said

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.

David Larock did a great job not only making the process very efficient but also in securing a fantastic rate and flexible overall credit plan that will serve me well in the future! He is a patient and persistent expert in the mortgage field. Thank you again.

Tim H.

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.

David definitely simplified the process of renegotiating our mortgage. His analysis is clearly explained and the options are made very clear, objectively. We always felt that he understood our perspective and concerns and that he was providing a real value-added service to compared to anything we have ever experienced at a bank branch level.

Edward B. and Lisa N.

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. 

Dave was amazing to work with. He took away the stress of the mortgage application and was our guide through the first-time home buying process. We had a tight schedule and Dave made everything work quickly and efficiently.

Christian F. and Sheena G.

David was very professional and helpful during the whole process. It was a pleasure dealing with him.

Daniel G.

David Larock provided exceptional service and much-needed counsel. An industry expert, his knowledge and calm guidance helped us at every step of the way. It was so much more than just getting the best rate available. I couldn't recommend David and his team highly enough.

Jonathan B and Wendy M.

Thank you again for all your support we both have a stressful jobs so this was a relief that we could rely on you throughout this process!

Rachel W. and Justin D.

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.

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 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.

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. 

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.

Buying a home and signing up for a mortgage can be life-altering. You have to do your own research and educate yourself as much as you can, but you might still miss something. Therefore, I recommend allying yourself with a professional mortgage broker who has made mortgages and lending their career and who thinks of nothing else all day. Dave Larock is brilliant. He thought of strategies that I never would have on my own, and made the whole process extremely easy. He kept me informed and updated, explained everything patiently and thoughtfully. I'll definitely recommend him to my friends and family.

Raeid I. and Safiya K.

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.

Dave was a pleasure to work with and his knowledge and expertise saved us thousands of dollars on our mortgage transaction. Throughout the entire process Dave had our best interests in mind. He did regular follow-ups with us and when we weren’t sure whether to go fixed or variable, he provided an overview of the options and walked us through the pros and cons of each scenario. We are extremely happy with Integrated Mortgage Planners and we look forward to working with Dave in the future!

Richard C. and Wynsome W.

Not only were we provided with the best rate and exceptional service, Dave took the time to educate me on the different types of mortgages. Being new to mortgages, learning about the different types of mortgages was extremely valuable. We truly appreciate all of Dave's help. Thanks.  

Peter H. and Melissa C

I had my pre approved mortgage with my bank and I just wanted to double check the terms with Dave Larock, and that happened to be the best choice. We discuss all the terms, he explained everything clearly and gave friendly advise wherever was needed. He kept us updated on a daily basis and we have finished all the process with the great feeling of saving several thousand dollars. If we ever go for another mortgage we know that Dave will be our man.

Jesus G. and Esther P. 

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

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.

From day one Dave was a true professional answering all of my questions and laid out the options available to me. It was a pleasure dealing with him.

Jawed and Nasrien A. 

I wholeheartedly recommend Dave to our friends and family who are in need of a mortgage. His attention to our needs, ability to be reached quickly / easily, and professionalism was beyond impressive. Getting a mortgage is a stressful, complex, and layered experience, but Dave explains everything carefully and thoughtfully so we knew exactly what we were getting. What's more, I love bragging to my friends about the awesome rate that he got us. Buying our new home has lots of surprises and challenges: thankfully our mortgage wasn't one of them!

Celeste and Leslie 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.

 

David was exceptional. It is such a pleasure working with a true professional. He walked through the options, discussed my objectives and then sought out the ideal bank for my specific needs.

This service cost me nothing and it will save our family thousands of dollars over the course of the mortgage. I was not aware of the alternatives he proposed so he was able to bring to the table several very creative options.

I even discussed these findings with my primary bank, one of the big 5, and they could not come close to the rates (they conceded their employee rates for the mortgage was even higher than what David was able to source.)

Bravo! Great job David.

Eric and Barbara G.

We could not be more confident recommending Integrated Mortgage Planners to our friends and family. With great patience and customer service, we felt informed and confident in the mortgage application process. Integrated Mortgage Planners added great value and council, and acted in our best interests.

Neil and Lydia P.

Dave was absolutely very informative, helpful, courteous and professional throughout the entire process of acquiring a mortgage. I highly recommend his services!

Pina GZ

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.

Dave Larock provided us with expert advice and outstanding service. We have already recommended him to friends, and will continue to do so.

Klaas and Mary Beth K.

It was an absolute pleasure working with David. He provided exceptionally clear explanations whenever we had any questions and followed up with us frequently with updates on the progress of obtaining our mortgage. My fiance and I would happily recommend him to anyone seeking a highly qualified mortgage broker.

Alex L. and Juri H.