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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

Very attentive, personal service and available on short notice.

Tim F.

Dave is amazing to work with! He's extremely knowledgeable, very helpful, patient and always there whenever I had a question or concern no matter how big or small. Even if there were no updates, he still kept in touch. He's the kind of person you would want to walk you through the mortgage process. I would DEFINITELY recommend him to my friends an family. Thank you so much Dave! I appreciate everything you've done for me!

Andrea F.

David is a pleasure to work with!

Sam R.

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

George M.

I'm very glad I used Dave as my mortgage agent. As a first-time home buyer, I had a lot of questions about mortgage rates and the financing process in general. I found Dave to be very knowledgeable and quick to respond to e-mails and calls, which made obtaining a mortgage the least stressful part of closing on the property. I would definitely recommend Integrated Mortgage Planners.

Mitch L.

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

Howard F.

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.

David was our advocate every step of the way negotiating with a difficult and sometimes unreasonable lender. In the end, he helped us get an amazing rate and a seamless closing of our new house. Thank you so much.

Sanders P. and Karen C.

David Larock was extremely knowledgeable, patient and approachable. During what can be a stressful time, he was easily accessible to answer questions (even on weekends and evenings)to put our minds at ease and to help us understand our options.

Shawn and Anisa B.

What I wanted was a broker with the utmost integrity along with vast knowledge and Dave has these qualities in spades. My expectations were far exceeded and for as long as he is in business, he will be my go-to for mortgage related services and information.

Soomy and Navin K.

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. 

Thanks Dave, you were a great addition to a very exciting and of course stressful change. Your prompt response and follow up was key to helping us track this decision to grab our dream home. I am in real estate and would highly recommend you to any of my clients. Thank you.

Jeff and Nisa S.

We have contacted several mortgage brokers before Dave, and Dave is the only one that would listen "carefully" our questions and be able to "clearly" explain all the details. He always responds to my questions quickly. I never have to wait for an answer. He is fast at handling applications, and I never need to worry about the progress. We are very happy to recommend Dave to anyone who needs reliable mortgage advice and excellent services.

Li-Jen C. and Lannie F.

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 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.

Absolutely recommended! We had no problems at all and we are extremely grateful for all the help.

Suzanne M. and Ahmed A.

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.

Dave is simply the best mortgage agent in Toronto! His advice, mortgage rates and knowledge of the industry is unparalleled. He is awesome to work with and goes the extra mile in every regard. We are so lucky we had Dave help us with our house refinancing. His hard work secured us the perfect mortgage for our new home. Thank you so much for all your help and advice Dave. 

Paul and Maria M.

Thank you for all of your help!

Alice W.

David is not only extremely knowledgeable about the Canadian mortgage and financial industry, he is also very passionate about it. I found David to be an incredible resource, he was open and honest and clearly explained my mortgage options. I cannot recommend David's services highly enough. I have saved money, many headaches, and gained a deeper understanding of what mortgage options are available to me - much more than I ever received from previous mortgages with one of the big five banks.

Michael and Kate V.

The service provided by Dave was excellent. His detailed approach instilled confidence that we were working with a true professional. Dave presented us with information and options we would not have otherwise considered and his assistance helped the application process to run very smoothly.

Edward A. and Jennifer P.

David provided us with expert advice and sound options throughout the purchase and financing process for our new home. It's a time in life when you need exactly that. Thank you David!

Norm and Linda C.

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 provided exceptional service. He was knowledgeable, honest and straightforward to deal with. He was also quick to respond to any questions or concerns that I had and followed up regularly throughout the process. I would definitely recommend him.

Kris L.

We used IMP for our first mortgage and recently our renewal. IMP contacts us every year to tell us how we are doing and if it is advantageous for us to make any changes. This proves to us that they care and that we are not just a number to them. We feel comfortable calling with any questions we may have (no matter how small) and never feel rushed; we truly believe IMP has our best interest in mind. We can't thank you enough for taking such good care of us and our home.

David N. and Jacki M.

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.

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.

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

Randall and Kathryn S.

David and Melanie were fantastic to deal with, straightforward, honest and SO friendly! It didn’t bother them that I sent multiple emails full of questions (I did this quite frequently). As first time home buyers this process was brand new and at times stressful, David and Melanie were always there to clarify things and made us feel confident in the purchase of our new home. Highly recommended!!

Lindsay S. and Lucas B.

David was super supportive and helpful from the beginning of our process when we approached him. He smoothed the road by clarifying every single complicated paragraph thru our documentation. His knowledge of the market and what all other parties offering was so helpful to enable us to choose our source. For any comparison, he always came up with options and we trusted him all the way thru. I definitely recommend him to anyone who needs a trustful source with a high knowledge of this business. I wish to add that his updates on his website and daily blog is extremely helpful to understand the language of this business.

Baharak R. and Amelie W.