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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:

The Length of Our Recovery Could Have a Surprising Impact on Your Mortgage

Monday Morning Interest Rate Update for June 1, 2020

In his final speech, BoC Governor Poloz argued that fears about coming economic hardship are overblown. Here is my take on his comments, viewed in part through a mortgage lens.

Read Post: The Length of Our Recovery Could Have a Surprising Impact on Your Mortgage

Read What Dave's Past Clients Said

I am a happy customer. I was referred to Dave Larock by my dad who was very happy with his services. My older brother referred my dad to them and I am referring my younger brother to Integrated Mortgage Planners. My house is my biggest investment and they took the time to make sure I made the right decisions. Thanks very much.

Wayde M.

By the end of our first meeting, I knew I was in the presence of a knowledgeable professional. David listened and was engaged in understanding my financial needs. He clearly communicated all the required details and "next steps" and I felt very supported throughout the entire process. I would recommend him to any of my friends or colleagues.

Allison P.

“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.

David was very helpful in cutting out all of the haze and focusing on what needed to be done. He clarified when we needed him to and chased the brokerages, mortgage providers and insurers diligently. He was a pleasure to deal with and contacted us regularly to ensure we knew where we stood in the process.

Andrew and Sarah B.

From our first conversation a little over 3 years ago until today, David and his team have been amazing in answering all of our questions and offering best in class service. David and his team are friendly, well educated and took the time to treat us like family every step of the way and helped us get the best rate possible. The Integrated Mortgage Planners web blog and tools helped us with deciding and planning for a home purchase that was within our means, had us ready financially for the closing date, and kept us in the loop on any major changes coming up in the markets that might affect us. We will continue to use Integrated Mortgage Planners going forward and will continue to highly recommend them to anyone we know thinking about purchasing a home or wanting to get the maximum benefits from their existing mortgage.

Tony C. and Faye Y.

Working with Dave was an outstanding process. He is extremely knowledgeable and professional. On top of good customer service, he seemed to deliver an exceptionally competitive rate with the bank employee being surprised at how low our rate was. We were a small client but we did not feel that way. We would certainly be comfortable to and have recommended Dave to our friends and family. 

James W. and Myrianne B.

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.

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.

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.

My real estate agent recommended Dave for my mortgage needs. I didn't realize what a professional I was getting. Dave was very helpful and always had answers to my questions. He was proactive, even responding to questions while he was on a brief summer vacation. I highly recommend Dave.

Jane A.

I will be recommending Dave to any of my friends that are looking for mortgage broker. He exceeded our expectations, and he'll do the same for you too. Use him!

Matt S.

David was wonderful to work with. This was our first mortgage so we had a lot of questions, David answered all of our questions quickly and thoroughly. I would definitely recommend working with him.

Katlynn P.

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.

We were first time home buyers and as such were a bit lost at times. Dave was a calm and helpful presence throughout the process. Mortgages are a complicated transaction but Dave and Integrated Mortgage planners made it a positive and relatively simple experience.

Kirby B. and Emma W.

David had provided me with some mortgage options before the big banks had even returned my calls. As I was in the process of separating from my spouse, I distracted and stressed with other matters, but I always felt as though Dave had my application well under control. It was a relief to have one less thing to babysit!

Sarah C.

It is so nice to see customer service has not been forgotten about in every industry! David Larock and Integrated Mortgage Planners Inc. go above and beyond to exceed expectations. The customer service level is exceptional and other's could learn a lot on how to better their business by taking a page out of David Larock's book. Well done!

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.

My experience with Integrated Mortgage Planners and David Larock was exceptional. I was given sound advice and led through the process with ease. Staff were very friendly and courteous and David answered my many questions. I also found articles on his website very informative. I highly recommend his services and continue to tell family and friends about my awesome experience.

Celiza R.

My experience with Dave at Integrated Mortgage Planners was excellent. He is amazingly knowledgeable, not just with mortgages per se, but with global and national economic conditions that affect mortgage issues. I would highly recommend him and plan to use him again in the future. Definitely 5 Star Rating!

Brian and Anna G.

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 Larock at Integrated Mortgage Planners made our first home buying process very stress-free. He walked us through the process and got us an unbelievable rate with great terms. He was even able to accommodate our 2 week closing. We will happily recommend him to friends and family.

Jon H. & Amanda G.

 

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

Randall and Kathryn S.

I contacted Dave regarding doing a vacant land purchase because I read his long weekend cottage woes blog in which he described his detailed knowledge of knowing exactly how to purchase vacation properties. The seller of the property I wanted had already told me there were several unsuccessful attempts at purchasing the property so I knew there was no point in just calling anyone. This property is water access, on a private lake, no power, no water, buildings of no appreciable value, a bit remote... a mortgage nightmare... Dave actually made the purchase seamless and seem easy. Awesome!

Ian C.

This was my third mortgage transaction with David Larock and the team at Integrated Mortgage Planners Inc. over the past 6 years. David has always ensured that my financial needs were top priority and has worked diligently to provide guidance in the mortgage negotiation process. I highly recommend David and his team to anyone looking for the best mortgage options at highly reputable lending institutions.

Susan M.

As a first time home buyer, David was incredibly efficient and helpful with the process. He answered all of my (millions) of questions promptly and his professionalism exceeded my expectations. I would gladly recommend him to both family and friends.S

Sonja M.

David and Melanie were excellent to work with. They made the process of applying for mortgage pre-approval and getting a mortgage in place after a purchase seamless. I would definitely recommend them to friends and family and will certainly return to them in future.

Jennifer and Julius G.

I found IMP's service very helpful in providing a good cross section of the products available to me at my time of request as well as the tailoring of these product options for my needs was accomplished quickly and precisely.

The follow up was prompt and the deal closed when and how it was expected to.

All in all an excellent service experience from start to finish.

Thanks Dave.

Chris V.

I have worked on many transactions with Dave, but this is the first one we have worked together on for my own purchase - and I have to say, he was phenomenal. Dave came up with creative solutions to any hiccups we experienced throughout the process, and really went above and beyond in his efforts. He is knowledgeable, professional, and extremely proficient at his trade. Overall, I would highly recommend Dave to any potential home buyers as he really takes the time to educate you about the process, and treats you not just as a client but as a friend.

Nicole H. and Justin N.

Dave made my first home purchase extremely smooth and rewarding. I truly can't thank him enough!

Rob T.