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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:

Why Tapering Will Delay Rate-Hike Timetables

Monday Morning Interest Rate Update for October 18, 2021

In today’s post I explain why I believe QE tapering will likely delay rate hikes, rather than portend them.

Read Post: Why Tapering Will Delay Rate-Hike Timetables

Read What Dave's Past Clients Said

David is a very informative and supportive mortgage broker who really knows his stuff and will find you the best mortgage for your needs.

Thomas K.

I have worked on many transactions with Dave, but this is the first one we have worked together on for my own purchase - and I have to say, he was phenomenal. Dave came up with creative solutions to any hiccups we experienced throughout the process, and really went above and beyond in his efforts. He is knowledgeable, professional, and extremely proficient at his trade. Overall, I would highly recommend Dave to any potential home buyers as he really takes the time to educate you about the process, and treats you not just as a client but as a friend.

Nicole H. and Justin N.

As first time home buyers we really appreciated the guidance and excellent advice Dave gave us. He was very knowledgable and approachable, making our experience with Integrated Mortgage Planners an excellent one.

Andrew Y. and Brenna C.

David Larock is an exceptional mortgage broker. He goes above and beyond for his clients! He is very knowledgeable and works with you to find the best mortgage for you. I highly recommend David!

Mary R. and Piero L.

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.

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.

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.

I am very happy with the service Dave provided. He was very knowledgeable and answered all my questions, and also gave very informative advice on selecting the right type of mortgage. He was able to guide me through the process of re-financing as well as acquiring a HELOC. I would definitely recommend Integrated Mortgage Planners Inc. to anyone looking for a mortgage broker to assist them in acquiring a mortgage.

Adam C. and Kadia P.

It took us 16 months to find our first home, buy it and close the deal, and David was there every step of the way. He always had time to answer our questions - and there were many, since we bought our home privately and chose a PPI (purchase plus improvements) mortgage. I do not think we would have felt confident proceeding with the private sale if we didn't have David behind us.

We knew he would catch anything we screwed up on, and of course he did. (He also caught a few mistakes made by our lawyer!) Both my partner and I felt that David was very honest, very unlike the mortgage broker stereotype. He explained everything clearly, and then re-explained it again and again when we forgot or when months went buy between houses we bid on. If ever we were uncertain about something an agent or lawyer told us, one of us would inevitably say, "Let's run this by David." Right up to closing day, he worked to make sure he got us the very best rate.

We are happy with our rate and lender, and have chosen to have David continue to act as our representative for the term of our mortgage. I would recommend David unhesitantly to family and friends. I can honestly say the experience was 100% positive, and I am not an easy person to please.

Amy D and James R.

Dave was an amazing facilitator of finding the best mortgage for my situation. He helped me analyze the options, ensured that I understood all necessary details, and followed up immediately when needed. There's no comparison to my previous mortgage experience!

Ronnie T.

You will not find a better rate. Anywhere. Our lawyer thought it was a typo.

Daniel & Brittany F. 

As first time home buyers, we were bombarded unsolicited advice, information, warnings and tips about entering the Toronto housing market from friends, family, colleagues and people in the real estate field. As a result, we were nervous and slightly unsure as to what to expect throughout the whole house purchasing process. Dave at Integrated Mortgage Planners helped to put our mind at ease. In our first meeting he was able to explain and simplify all the information that we were overloaded with. He was able to find a mortgage that worked for our needs at a rate that cannot be beat!

Michael O. and Victoria S.

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 very helpful and supportive. When a last minute problem arose, he went to bat for us with the lender. We really felt he had our back!

Sylvia K and William G.

David Larock was extremely helpful in getting us a line of credit. From start to finish it was less than two weeks and he resolved all issues that came up. We had been with the Royal Bank for over 25 years but after retirement with no fixed income, they quickly pointed us to a second party when we went to them to get a line of credit. If RBC had pointed us to TMG then we would have be quite satisfied but their solution was twice the cost. We are extremely happy with Dave and would recommend him to anyone we know.

Gordon P. and Nancy S.

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.

Working with Integrated Mortgage Planners on our mortgage application made the whole process feel like a breeze. Dave and Melanie are very knowledgeable and were happy to take however long was necessary to explain the different mortgage options and terms to us. They were also very quick to respond to all the questions we had. We'd be happy to recommend them to anyone looking to get a mortgage.

Bryan M. and Fe T.

We could not have had a better experience working with Dave and his team. He was unbelievably knowledgeable and responsive. This was our first time buying a home, and Dave made the process incredibly smooth. We would recommend Dave in a heart beat!

Nicholas W. and Kathleen H.

I used David Larock and Integrated Mortgage Planners for my first home purchase and couldn't have been happier with the service we received, as well as the interest rate! Dave made sure to keep us apprised of the changes in the status of our application as well as a last-minute rate drop, which was sincerely appreciated. I can't recommend them highly enough: they exceeded every one of our expectations.

Andrew S. and Alexis M.

We came to work with Dave through a referral from a close friend that has worked with Dave on several mortgages for his home and rental property. Dave's knowledge about mortgages far exceeded our expectations. We were continually impressed with his level of professionalism, creativity in finding the right fit for us and his integrity. Dave and his team did everything they could to ensure our needs were met and that we had all of our questions answered. It was a welcome and refreshing change from our big-bank experiences in the past. We would highly recommend Dave and his team to any friend or family member.

Jacquelyn C. and Anthony S.

It was really great working with David, he was responsive, worked hard to help us get the rate we wanted and very knowledgeable.

Sarah G. and Jeff F.

Dave was exceptional in his knowledge and experience regarding mortgages and is able to explain it extremely well!

It was great working with Dave and having his wisdom at our finger tips.

Mark H. and Catherine M.

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.

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.

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.

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. 

David is a very creative thinker and problem solver. We were in need of a mortgage for our first-ever commercial property, and he came up with a plan that not only saved us money but allowed us to pay down some nagging personal debts. David and his team were always quick to respond and quick to make things happen. Plus, he's a nice guy with a good sense of humour. Check him out.

Greg and Julie S.

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.

Dave was an absolute pleasure to work with. He patiently explained every part of the mortgage application process to us (and as first-time home-buyers, we needed a lot of enlightening), he kept us constantly up to date with the status of our file, and he got us a fantastic rate. Very highly recommend.

Kevin and Warrena W.

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.