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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 Bank of Canada’s Cautionary Comments Push Fixed Mortgage Rates Lower

Monday Morning Interest Rate Update for January 27, 2020

The Bank of Canada offered a decidedly more cautious outlook last week. Government of Canada bond yields fell in response and five-year fixed rates started dropping shortly thereafter.

Read Post: The Bank of Canada’s Cautionary Comments Push Fixed Mortgage Rates Lower

Read What Dave's Past Clients Said

Highly recommended!!! David is the best! He walked us through all the scenarios and made us feel very comfortable. He was professional and courteous. I would recommend him for any type of mortgage counseling and acquisition. Without a doubt, he made our ‘house dream’ come true.

Iain and Merav C.

Dave Larock was fantastic to deal with. What a professional. Eden & I were very happy with his services.

Les K. and Eden P.

We received truly exceptional service from Dave and Integrated Mortgage Planners. Our situation was slightly unusual and he held our hands through the entire process and was always available to discuss any matter, however small, and whatever the time of day. Dave was also happy to answer hundreds of questions about the process itself - sometimes twice!

Without any prompting from us he ensured that our pre-approved rate was the best it could be and if he saw something better, he often re-negotiated for us long before the existing rate expired. In fact, we got a call the day our deal closed to say that he'd re-negotiated that morning and saved us yet another .1%.
The service was excellent, his knowledge invaluable and the whole process a total pleasure.

Sarah N. and Stuart L.

David made the intimidating process of applying for a mortgage easy and approachable. I am so grateful for his honesty, patience, and perseverance in finding me an optimal mortgage.

Syena M.

David was very helpful and efficient in arranging the financing I needed in a timely manner. He even kept in touch by email on his vacation. I would definitely consult him about any future mortgage needs and recommend him to friends looking for a mortgage.

Marnie T.

Dave Larock did a great job. Did what others could not do. Great to deal with. 

Nathan M. and Julia G.

David is great to work with. Very attentive to client needs, queries and follow-ups.

Grant C.

The resources and advice Dave gave to us on the website and throughout our mortgage application process were instrumental in building our understanding of the options, considerations, and ultimately helped us make a confident and informed decision about the type of mortgage we purchased.

Galen M. and Bernice T. 

Dave is really knowledgeable and on top of things. He took the time to explain to us our options and what made the most sense for us.

Jenny L. and Sam C.

The service was outstanding and very quick responses overall. Would certainly recommend IMP to friends.

Curtis and Libby B.

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.

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.

We have worked with Dave on two mortgages now - one for our family home and one for a cottage. He brings a level of professionalism and financial knowledge to his work that far exceeds our expectations, and we feel that we have consistently received great value from him and through the mortgage products we’ve ultimately selected.

Robert B. and Amanda K.

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.

Fantastic prompt and knowledgeable service - have dealt with other mortgage brokers but the service provided by David was way beyond our expectations.

Murtuza L and Catherine D.

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 Larock has been incredibly helpful. We've worked with him twice now, and we will absolutely reach out to Dave in the future if we needed a mortgage, and would absolutely recommend him to anyone we know.

Tyler and Simone M.

We had an unusual income situation that was well handled. Excellent service!

Clare P. and Stephen B.

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.

Dave is a superb mortgage broker. He provided expert guidance on my purchase and was always remarkably responsive and provided amazing customer support. I would heartily recommend him to anyone looking for a mortgage.

Patricia R.

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.

David was exceptionally knowledgeable about my options for a mortgage. He was quick to communicate and update me on the status of my renewal. All the conditions were clearly explained and when the lender put on an unexpected charge, David was to his word and paid for it himself.

Stephen and Tammy G.

Dave's exceptional level of knowledge and service gave my fiancée and I peace of mind during the home buying process. Dave was always friendly, accessible and proactive, and happily answered our questions when we had them. It was clear he cares deeply about his clients. I would recommend him to anyone!

Rob M. and Nicollette I.

Dave Larock helped us obtain our mortgage for our first home. Dave was easy to communicate with and always responded in a timely manner. He is knowledgeable and provided us with all the information we needed to select the best mortgage product for us. Also, Dave has access to a large selection of mortgage providers, and was able to get us an excellent rate! We would definitely work with Dave again for future mortgages and highly recommend his services.

Travis P. and Jennifer N.

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.

Words can't express how grateful we are that we had Dave on our team to help with the purchase of our new home! Not only did he help secure us a great mortgage, he was attentive, easy to communicate with and extremely helpful along the way. Thanks Dave.

Rebecca and Steven K.

David was always there when we had an issue or a question and, somehow, he managed to make us feel like we were his only clients. We always appreciated how fast he was in responding to any of our concerns and I can't imagine a more efficient yet friendly relationship. We probably wouldn't have gotten our house without his precious assistance.

Sorin P. and Jennifer M.

Dave - I am very happy that I met you in person after reading one of your articles online. The discussion we had in person and the reading of your blog helped me tremendously in terms of equipping me with the key information on making that mortgage decision. My advice to somebody hunting for a mortgage would be to deal with somebody like Dave who is very knowledgeable, upfront, efficient and who can offer you meaningful options for you to choose from rather than your neighborhood bank's representative whose only option/agenda is to offer/push the one product they have. Thanks.

Vijay B.

As a first time home buyer and new to the world of mortgages, Dave was so knowledgeable, approachable and easily reachable during my pre-approval process. I had a million questions, but no questions were ever stupid and he really held my hand throughout the whole learning process...I was certainly not one of his million dollar mortgage clients, but I sure felt like one considering the amount of time he spent on my application.

His mortgage update newsletters are highly informative and useful as well. In fact, his blog/newsletter is what made me feel good about going with him because his ability to forecast and/or give recommendations didn't seem to be based so much on sales tactics but on sound economic principles/knowledge and on significant real estate/mortgage industry knowledge.

I have already recommended David to my friends and I'm a client for life now!

Esther H.

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.