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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:

Monday Mortgage Interest Rate Update

Monday Morning Interest Rate Update for May 29, 2023

I was away on vacation this past weekend. Here are a few links to some of my most popular recent posts.

Read Post: Monday Mortgage Interest Rate Update

Read What Dave's Past Clients Said

Service was exceptional - very knowledgeable, always responsive and attentive, and provided quality guidance and alternatives to work through a number of complications during a very unique and long process. We have already recommended Dave to friends and will absolutely be back for any future mortgage needs.

Tim B and Stephanie O.

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.

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

George M.

David and Melanie were so helpful in supporting us to navigate the wild world of obtaining our first mortgage. Thank you for being so clear about what we needed, guiding us through the steps, and for making the process of getting the mortgage relatively easy and painless.

Daniel B. and Tara J.

2nd time working with Dave...would never ever consider going anywhere else. Thanks again Dave!

Jon L. and Ann C.

As first time home buyers we really appreciated the guidance and excellent advice Dave gave us. He was very knowledgable and approachable, making our experience with Integrated Mortgage Planners an excellent one.

Andrew Y. and Brenna C.

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

Priyanka and Indrayudh G.

Dave's knowledge and passion in the mortgage business is exemplary. He was patient in understanding our needs and customizing a solution to meet our needs. I have no hesitation in recommending Dave to my family and friends.

Varun and Jessy B.

Well. My real estate deal was beginning to crumble within the last week of closing. The stress was building. People weren't cooperating. My agents were disagreeing. But through it all David and Melanie were there when I needed an answer or explanation or an opinion. Dave was very organized which made things so clear and simple, in what seemed a very complicated process. And when conflict arose and the winds started blowing, Dave remained professional and personal, an impressive balance. Things were getting pretty bad at one point where I started doubting the people around me and was preparing for the worst. "This deal is going to fall apart and I am going to end up in court and lose a lot of money..." But Dave just kept pushing ahead no matter what obstacle presented itself. He always kept me well informed of my options and gave me a clear picture of what was happening. He didn't hide things, either good or bad. I was confident he had my best interests at the forefront throughout this experience. And Melanie was a cool gentle breeze on a hot sweaty day (which they were, I worked outside) always so kind and calm and ready to help. Thank you Dave for standing firm and allowing me to lean on you so heavily in "the perfect storm." You were more than a mortgage agent, I feel like we re companions after a long adventure. I'm kinda sad we won't be talking anymore lol. May God bless you and Melanie. Thank you (bows low in respect and gratitude).

Derek and Angelyn C.

David & Melanie, You both were saints working to assist my wife & I get financing on our first home with our quick 3 week closing time frame. This was combined with the industry switching to remote April 2020... I really don't know how you two did it. We are both extremely grateful for your solid advice & working around the clock to get us our dream home!

Brendan and Amanda C. 

Dave was fantastic to deal with! Super knowledgeable and helpful - especially for myself, a first time home buyer, learning how to make the best mortgage decisions. I would highly recommend Dave to my friends and family and look forward to his continued great service for my existing mortgage. Thank you Dave!

Kimberley S.

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 and his team are professional, knowledgeable, and helpful. They answered all our questions and even anticipated our needs. Unlike some mortgage brokers, Dave works for the borrower and he brings more than just mortgage rates. He can speak with experience and knowledge of current conditions when answering questions. I would not hesitate to recommend Dave to anyone looking for a mortgage product.

Alina C. and Michael Z.

Working with Dave is always a breeze. I always suggest that friends call him if they're looking to buy a house or refinance. This past transaction was my third with Dave, and I wouldn't work with anyone else at this point.

Ryan M.

The team at Integrated Mortgage Planners got us a great rate and helped us source service providers that I wouldn't have expected our mortgage agent to have in their repertoire. Call them. You'll be glad you did.

Tara L. and Steve N.

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

Ali K.

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.

Dave is personable, thoughtful, and he sure knows his stuff. As first time homebuyers, we really appreciated Dave's advice— via email and phone for our specific questions, and more generally through his blog. He was quick to respond to any question or request we had, and kept us informed as we moved through the buying process. We'd definitely recommend homebuyers-to-be reach out to Dave.

Jonathan S. and Jacqueline A.

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.

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.

Dave ensured that the mortgage application went smoothly and proactively dealt with any issues that came up. He also kept me in the loop throughout the process. I was able to get a mortgage product that suited me perfectly at a great rate. His blog is also a great source of information. I would not hesitate to go with Dave again for my next mortgage and have already recommended him to a few of my friends.

Derek C.

Thanks, Dave! I would recommend Mr. Larock as a mortgage broker.

Howard F.

As a fellow mortgage agent I had the option of going through my own brokerage or letting Mr. Larock handle what I knew to be a relatively complex financing. Being familiar with his extensive background and relationship with lenders I opted for the latter. The mortgage was successfully funded, the customer service was second to none and the rate was the same preferential rate I would have received through my own brokerage. Thanks Dave.

Chris J. and Tanyss 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. 

David was amazing to work with. Being a first time home buyer, we were unsure of the entire process - but David took us through step by step and provided us with all the information which made us feel at ease and supported throughout. He definitely went above and beyond and we couldn't be happier!

Rehana M. and Hussein J.

Dave is an incredible mortgage broker. We really appreciated the time he was willing to spend answering all of our questions as first time buyers. It was nice to know we had someone to turn to that we trusted.

Brendan C. and Clare T.

Dave is great to work with. He is always very quick to reply and provides great advise and market colour in order for you to make a well informed decision. Thanks again Dave!

Sean B. and Andrea W.

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. 

David was very professional and diligent. Clearly explained what to expect and what are the advantages and disadvantages of different options. Was quick to act and courteous at all times. Thanks David!

Jacub R. and Anna S.

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

Rob T.