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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!

Read What Dave's Past Clients Said

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.

I am a first time home buyer and had no idea where to start. A friend of mine recommended Dave and just told me to call. I came in very up front about how little I knew about mortgages. Dave and Melanie were so helpful and approachable in everything from the difference between going with a broker compared to a bank, what I could expect, the steps needed and helping understand what I needed to provide for the lender. I was told it would feel like a second job trying to get my mortgage organized but they made it as quick and organized as possible so I didn’t feel rushed at close date. It was borderline painless. I would recommend them to anyone who asks, first time home buyer or otherwise.

Gillian W.

 

David Larock was an incredible resource and someone I felt I could trust the moment I spoke to him. He made everything easy, got me a great mortgage rate and guided me expertly through the approval process. I would work with him and recommend him in a nanosecond any time the opportunity presented itself to me.

Karen G.

This was the first time we used a mortgage broker and a Dave was great! He took the time explaining everything thoroughly (wealth of knowledge!) and was reachable to answer our questions at any time. We'll definitely come back when it's time to re-new. The process was seamless and would not hesitate to refer you to friends and family.

Sharon and Huy N.

David is awesome, knowledgeable and very helpful. He was able to get us the best rate on the market and was available to help us with all our needs. When we renew our mortgage agreement, we plan on using his services.

Misha B. Arij A. 

Dave was recommended to us by a colleague and we are so pleased to have connected with him. He was available, efficient and knowledgeable. He guided us throughout the process and went above and beyond to help us get the mortgage rate that we wanted. We would highly recommend Dave to anyone that is looking for an experienced mortgage agent.

Tariq and Nasim R.

I highly recommend Integrated Mortgage Planners to anyone looking to get a mortgage. Rarely do you find an individual or company that genuinely cares about your business. At every point in the process Dave was there to assist with his in-depth knowledge of the mortgage industy. I was so happy to get Dave's help in getting my mortgage and I will surely get his help again in the future. Keep up the great work Dave!

Paul and Marija M.

Dave is a great mortgage agent. He looked out for our needs first as they were very specific; requiring a short term mortgage, a construction mortgage, and construction take out mortgage for a self-build home, all within 12 months. Given the limited number of products out there, from expensive private funds to limited LTV mortgages, he was able to craft a solution for all three needs with market products at market rates. I highly recommend Dave, from simple needs to the complex.

Alvin and Erin W.

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.

Working with David was fantastic - as a first time home buyer, he was incredible about explaining everything clearly to me and making sure I understood my options. I felt very confident about the whole process thanks to him and look forward to working with him in the future!

Victoria R. and Kyle S.

I've used a number of mortgage brokers in the past, but I never felt they had our family's best interest at heart. I was impressed with the professional service and candid advice we received from David Larock. He was able to get us an excellent rate, and even better, with an institution that didn't charge a lot of administration fees (have to watch out for those!) Our mortgage transfer went very smoothly. When I tell friends and family about my experience, they all want to know more about David and his company. Keep up the good work!

Tania P. and Gregori A.

Dave was great. He made qualifying for the mortgage very easy and also gave insightful tips along the way. Being a first-time home-buyer, Dave was right there with us and got us a fantastic rate. We highly recommend him and his services and would definitely use him again.

Edward T. and Wyman S.

David got me a fantastic rate. But that's only half the battle. One needs to have the right product for their financial situation and goals. Time was also taken to find a mortgage with the right terms (generous prepayment options, a non-punitive prepayment penalty, etc.). I also tend to ask a lot of questions. These were welcomed with patient and thorough explanation. Highly recommended!

Jeff N and Amelie B.

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.

What a great experience! David was very knowledgeable, the whole time I felt like I was in great hands. Most importantly he was able to get me an excellent rate and total mortgage package. David kept in touch with me every step of the way and made getting a mortgage painless. I would highly recommend David and Integrated Mortgage Planners.

Joanne B.

I needed a low interest rate mortgage and terms to suit my retirement income. Dave worked diligently sourcing all possible avenues. He kept me up-to-date, calling promptly and taking extra steps to research the unique conditions with my condominium building. He has an extensive knowledge of mortgages and the real estate market. Because of his expertise, I have a mortgage suited to my needs. Dave was such a pleasure to work with and his professionalism far exceeded that of anyone I have worked with in the past. I would not hesitate to recommend Dave to my family and friends.

Mary Ann C.

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

Priyanka and Indrayudh G.

David is a pleasure to work with!

Sam R.

Not only were we provided with the best rate and exceptional service, Dave took the time to educate me on the different types of mortgages. Being new to mortgages, learning about the different types of mortgages was extremely valuable. We truly appreciate all of Dave's help. Thanks.  

Peter H. and Melissa C

David was very professional and helpful during the whole process. It was a pleasure dealing with him.

Daniel G.

My wife and I were very fortunate to have Dave Larock help us secure a mortgage for our new house. Dave was able to secure a better rate than either of our banks were prepared to offer us. Dave managed to get all of the information needed to complete the application process without having us take time out of our busy schedules to go to his office to deal with this matter. The process was very convenient and hassle free.

Dave followed up with us and kept us up to date. In addition his knowledge about how the world economy impacts our mortgage rates was invaluable to our decision on what type of rate we wanted.

I found Dave to be very professional and courteous. It is clear that he takes customer service seriously, which I personally find rare these days and I was grateful to deal with him.

I would have no hesitation in using Dave's services again or recommending him to friends or family.

Jason M. and Heather D.

The level of service that we received through Integrated Mortgage Planners was excellent. We were able to get a great mortgage rate. Dave Larock was extremely helpful in guiding us through the mortgage renewal process. He took the time to answer all of our questions and we were impressed with his approachability and his great efficiency. Thanks so much for your help. We'll be back in touch when we need to go through this process again.

Kevin H. and Adrienne G.

Dave was very professional and instilled confidence in us at every step of the process. He answered our questions promptly and informatively. Because of my experience with Dave, I will always use a broker in the future - why not? Dave's services cost us nothing and provided peace of mind in navigating what is a complex field of finance. Dave also acted with integrity and was quick to demonstrate where to save money and where to spend it wisely. Thank you, Dave, for a wonderful, professional service.

Bruce and Alison F. 

David Larock knows his stuff. It was our first purchase ever and it was quite stressful. At the beginning of the process, there was no pressure from David. He shared all our options and the pros and cons of each. To be honest, I felt like when I was using the banks, I felt that I was lied to.

Bryan T. and Senna H.

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.

I contacted Dave regarding doing a vacant land purchase because I read his long weekend cottage woes blog in which he described his detailed knowledge of knowing exactly how to purchase vacation properties. The seller of the property I wanted had already told me there were several unsuccessful attempts at purchasing the property so I knew there was no point in just calling anyone. This property is water access, on a private lake, no power, no water, buildings of no appreciable value, a bit remote... a mortgage nightmare... Dave actually made the purchase seamless and seem easy. Awesome!

Ian C.

I'd definitely recommend Dave Larock to whoever is in the market. He got me the best mortgage rate in the market with a reliable lender. I got my mortgage and refinance done from the comfort of my home and this was all done in just over a couple of weeks' notice. He delivered what he promised.

Anuj and Madhur S.

Knowledgeable, responsive, and friendly. What more could we ask for from our mortgage broker? Dave and his team make the mortgage process easy and they anticipate our needs as the market changes. Dave proactively checked in to see how we were doing after a year and helped us land a more favourable term. THAT is the definition of caring for your customers! I would highly recommend Dave and his team.

Rob M. and Nicollette I. 

“David Larock was very efficient, knowledgeable and helpful. He worked hard to make sure everything went smoothly for us. He was always available and happy to help. We would recommend David to anyone we know who is looking for a mortgage!”

Diane and Angelo D.

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.