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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:

Fixed or Variable? Mortgage Rate Forecast: COVID-19 Edition

Monday Morning Interest Rate Update for August 10, 2020

It's been a wild rate for Canadian mortgage rates of late and in today's post we take a fresh look at the fixed vs. variable question.

Read Post: Fixed or Variable? Mortgage Rate Forecast: COVID-19 Edition

Read What Dave's Past Clients Said

Dave was great as usual. We got all our questions answered to our satisfaction in a timely manner. We whole heartedly recommend Integrated Mortgage Planners!

Carly and Avin B.

My wife and I had high expectations and David's level of service went above and beyond. His ability to walk us through the process and clearly explain our mortgage options made us feel confident in our home purchase and put us at ease through what is typically a stressful event. His follow through after the transaction was completed was also much appreciated. I would highly recommend him to anyone! 

Adam and Monika H.

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.

Working with Dave was the best part of buying a house. He is knowledgeable and explained things clearly and as many times as we needed to hear them. He was available whenever we reached out, which was often at odd hours, and got us a great rate. We could not be happier with his services or recommend him more highly.

Heather C. and Brendan H.

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. 

As a first time home buyer the process can be quite daunting, and we definitely had a lot of question. But having David Larock as our mortgage broker made the process a little easier. He is very approachable and answered all of our mortgage related questions promptly. He would call us often to check in and provide us with all the information we needed. Of all the people we worked with in the house buying process (real estate agents, lawyers etc.) he was the most helpful, and knowledgeable. I highly recommend David Larock. 

Kristin R. and Hope S. 

Dave made the entire process amazingly accessible! We were first time buyers with a tight deadline and almost no knowledge on what the process entailed. Dave's friendly informative and quick approach was invaluable. Can't recommend him highly enough.

Alex I. and Cassandra G.

David Larock was a pleasure to deal with, he really came through for me where others couldn't. David was very patient with me and answered all my questions. I am so happy I got in contact with David and I will definitely recommend him to all my friends and family.

Eli and Malka J.

Very helpful and enjoyed working with Dave. Got us a great rate and navigated some difficult issues with ease thanks.

Craig and Victoria G.

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.

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.

Dave was highly professional and extremely helpful in allowing us to secure a mortgage on our dream home. He is very experienced with any mortgage questions and knows lender guidelines and is happy to answer all of your questions. He is also very prompt at returning phone calls and emails. I would recommend and use his services in the future.

Camille P. and Peter G.

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.

 

 

 

 

I work in the financial services industry and what I appreciate about David Larock was his subject matter expertise acquired from working with the some of the major Lenders in the mortgage industry combined with his independent work experience. He differentiates himself from the competitors by providing a superior customized solution based on the client's unique requirements along with excellent customer service. I researched mortgage offerings from many other Lenders as well as obtaining an offering from a previous broker. I later contacted Dave and he was capable of constructing a more competitive mortgage than I was able to secure from the earlier providers.

Mike S.

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.

Based on our experience, I would definitely 100% recommend Dave Larock. We are very satisfied.

Hyder Y and Umber H. 

I worked with Dave on my most recent mortgage and he made the entire process simple and fun. I've recommended him to friends and they've also had a great experience. I recommend Dave Larock without hesitation.

Jess M.

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.

Both Dave and Melanie were great to work with! Dave was very knowledgeable and exceeded expectations again as this is the second time using their services! And we would time and time again! Thank you guys!

Rachel W. and Justin D.

I wouldn't hesitate to contact David again for mortgage. He can get best rates in the market, and is so patient explaining all details in simple understandable way.

Elijus U. and Vaida U.

Dave is very knowledgeable and kept us updated throughout the process. It was a pleasure working with him!


Avin and Carly B.

Dave was a great help in arranging our co-ownership mortgage for us, and walking us through the process. He was in frequent contact so we knew what was happening at all times. We highly recommend Dave's services.

Laura R. and Martin W.

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.

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.

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.

We would work with Dave again and have already recommended him to a number of our friends. You wont find a better mortgage broker out there. 

Brad S. Niky R.

Our journey to find a house lasted over a year and had several unfortunate bumps along the road. At every turn Dave was there to walk us through our options and provide sound guidance. We love the house we bought and it couldn't have happened without Dave's help. We definitely plan on using him again on our next purchase.

James J.

As a first-time home buyer, the process of selecting the right mortgage appeared complex and quite scary. Integrated Mortgage Planners made us feel comfortable and knowledgeable about the whole process. Dealing with IMP was one of the best decisions we made regarding our mortgage selection.

Arnaud B. and Laura K.

David Larock exceeded all expectations at every turn. To close my rental property purchase on time, David needed to expedite a re-finance deal by multiple days, and leveraged his existing relationship with the lender to do so. Also, when the lender charged me an unwarranted penalty for changing the terms of my existing mortgage, he immediately had the situation rectified. I will undoubtedly recommend David to friends and family who are seeking mortgages.

Dale C.

Dave was fantastic in answering all my questions and concerns and he provided a great depth of detail when asked.

Amedeo V.