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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:

Will the Bank of Canada Raise Again This Week?

Monday Morning Interest Rate Update for January 23, 2023

Most forecasters expect the Bank of Canada to hike its policy rate by another 0.25% when it meets this Wednesday. Here is my take.

Read Post: Will the Bank of Canada Raise Again This Week?

Read What Dave's Past Clients Said

I have utilized David's services multiple times to obtain or renew a mortgage and in every situation his first priority was getting me the best deal possible. David oversaw the entire mortgage application process to make sure that the lender didn't make an error and immediately stepped in to resolve an issue that occurred that I didn't notice. He kept me well informed about the status of my application until the very end so I never felt the need to follow up on my own. I would recommend David to anyone looking for a mortgage. He is always very helpful and easy to get a hold of when you need assistance on your mortgage application.

Adam B.

Dealing with Dave is always seamless on his end, I appreciate his level of effort and attention to detail.

Albert B. and Shelley R.

I was ready to purchase my first house and finance through my bank until a friend of mine recommended I talk to Dave to find out more information. The bank rep had very few answers to a lot of questions and seemed more like a sales representative than a mortgage specialist and left me worried about everything I was doing. Sitting down with Dave for 30 minutes, he cleared up every one of my worries, explained how the entire system and process works and was always there at my call to keep me informed. On the final days before closing, I got an e-mail saying he had found a better rate for me, and I locked it at the lowest rate I could ever think of finding. I really appreciate all the help I received from Dave and without question, will recommend him to everyone who needs a mortgage!

Drew B. and Jennifer C.

 

 

 

 

We were introduced to David and Integrated Mortgage Planners by our real estate agent, she highly recommended them to us for their excellent reviews and vast knowledge. Our experience working with David and Melanie was great, their communication was excellent and they made it very easy for us to understand the different options and terms for mortgages. They were able to find us the best rate compared to other banking institutions. We both felt very comfortable and were not pressured into making any quick decisions. I have already recommended them to some friends and would not hesitate to put in a good word. 

Jamin and Tasnia I. 

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.

I have high regards for David. We had a complicated mortgage, and a complicated process to get it done. David was quick to respond to problems, gave us a lot of confidence in the process, and was easy to communicate. We hope to work together again in the future.

Peter and David D.

David was very competent and helpful. The whole experience was worry-free and sweat-free for me. I was definitely in good hands and I would definitely recommend him to my family and friends.

Jinah P.

Our Mortgage Broker David Larock is fantastic at what he does. In addition to just helping us get our mortgage for our home, he also keeps us up to date with a quarterly newsletter that provides in-depth insight and advice about mortgage planning. I can not speak highly enough of his thorough, professional and personal work.

Jim D. and Laura H.

 

The whole experience from start to finish was wonderful. Dave and his team were very patient and informative. I would recommend their services to anyone looking for a mortgage. Thanks!

James C.

I can highly recommend David Larock and his team, having just renegotiated my mortgage through them. I'm extremely satisfied that I got the lowest rate possible, as well as good honest advice on how to best structure the payments. I had been reading David's blog for years before contacting him, and am very glad I did. It's a rare pleasure these days to deal with true professionals that really know their business.

Anthony P.

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.

Dave was phenomenal! He educated us on many aspects of home buying and financing and made a stressful experience a lot more easy. Thank you!

Kaki N. and David B.

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 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.

“I had a totally  positive experience with David Larock and Integrated Mortgage Planners and I’m saving money to boot!”

Kate M.

David was excellent to work with and made the entire process very smooth. We've purchased various properties and I would definitely come back to David. We had to purchase a rental property and it wasn't straight forward process. David assisted with all our questions and nothing was left uncovered.

Courtney H. and Joseph P.

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.

If you are looking for someone to help you get a mortgage, or refinance, Dave is your guy. He's smart, he's determined, he explains everything clearly, and he stays close through the whole process. I had a rather unique and challenging situation, but Dave took it on with relish, and found me an amazing deal in very short order. I highly recommend Dave and team -- trust me, you will not be disappointed.

Eunice M.

We were thrilled with the very high level of insight, knowledge and service offered by David Larock of Integrated Mortgage Planners. We will not hesitate to continue to use David Larock and even before our deal was done, we referred good friends and will continue doing so.

Daniel B. and Sarah F.

Dave Larock is a terrific broker - he is extremely knowledgable, dedicated, and patient, and he made the first-time home buying experience so positive for my partner and I. He made us feel confident and at ease the entire time, and was incredibly responsive throughout the process, consistently going above and beyond to find us a great rate and make sure we understood all our options. We would absolutely work with him again!

Grace O.

I would strongly recommend the services of Dave Larock and Integrated Mortgage Planners without hesitation. They were able to effectively deal with a very complicated financial situation and create attractive and workable mortgage and financing options on an expeditious basis. We felt extremely comfortable in Dave's hands throughout the financing process and the final result certainly illustrated how valuable Dave's services had been.

Sean K. and Michelle D.

Dave and Melanie were great to work with. If any questions came up they were quick to respond, and I believe they got us a great rate with a very flexible mortgage!

Tim L. and Dana S.

David Larock provided absolutely fantastic service. His prompt reply and kind service made it easy for me to refer him to one of my employees for guidance. I added David to my linkedIn profile because I consider him as a valuable contact for all my future mortgage endeavours.

Ludwig N.

We are so pleased with our experience with David Larock. He made our stressful loan application into a manageable situation and with great results. We highly recommend Integrated Mortgage Planners and specifically David Larock to everyone. He can make an impossible situation possible.

Erika and Gus P.

Dave came recommended to us by two friends who had worked with him in the past. We gave him a close-to-impossible task and a very challenging home equity financing project and he guided us through every step along the way. He not only got us a better rate but also with our preferred lendor.

Kevin M. and Heather D.

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.

Highly recommend working with Dave! He was very knowledgeable, patient with our questions- always delivering timely answers. He was exceptionally organized which was helpful to guide us through the process of our first mortgage.

Kerry and Donny M.  

Dave did a fantastic job with our mortgage and home equity line of credit. He got us a great rate, explained the options well and delivered in a condensed timeline. I would definitely use his services again in the future.

Brad and Amanda J.

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.

Working with David made getting a mortgage the easiest part of the whole house-buying process. He was amazingly helpful and responsive, and just a delight to work with. Even our lawyer was impressed by how efficiently he handled all our mortgage papers. The mortgage itself was also an excellent product that fit our needs. My brother sells mortgages for a big 5 bank, and he was very impressed with both the rates and terms we received.

Susan B. and Steve L.