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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!

Check Out Dave’s Latest Blog Post for Breaking News on Canadian Mortgage Rates:

Where’s My Rate Drop?

Monday Morning Interest Rate Update for March 20, 2023

Bond yields have plummeted but mortgage rate drops have been slow to materialize. Today's post explains why.

Read Post: Where’s My Rate Drop?

Read What Dave's Past Clients Said

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.

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 is an authority on mortgages. He demonstrated thorough knowledge of a complex industry and never over-promised. Would recommend and use again.

George M.

We thought that getting a first mortgage would be overwhelming. Our experience with David LaRock however was outstanding and he made the process very smooth. He can make things very simple, but we had a lot of questions and he was able to speak deeply on all of the subjects that mattered to us. From refinancing strategies to variable impact on mortgage insurance across different down payment levels. He's very knowledgeable, but informal and friendly as well. We've already recommended Dave to others. Hands down our best partner in our new home purchase.

Heather K. & Max R.

David is a very knowledgeable and competent mortgage broker. He managed to pull together the procurement of our mortgage in a matter of a few days. He was available to answer any questions that arose immediately.

R. Chopra

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.

David and his team were extremely knowledgeable and helped guide us through the entire process of getting a mortgage. Not only was the customer service top notch, they also provided us with a rate that the big banks couldn’t come close to matching.

Matt and Tasha J.

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 made the process smoother and easier for us. As a first home buyer, he helped us understand the nuances of mortgage and explained everything with lot of patience. Big thanks for helping us with the process.

Kishore P. and Malati R.

Dave was very knowledgeable and pleasant to work with. He advocated for us throughout the process and thanks to him, our mortgage application was approved lightning-fast. We would definitely recommend him to anyone looking for a mortgage.

Eric and Anne J. 

Dave is a very professional & responsive mortgage broker to work with and is very respectful of his clients need to get everything done properly in a timely manner. 

Stephen D. and Kelly H. 

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.

We used Dave and his company for our financing and renewal of the mortgage. Dave was super friendly and very patient and assist us through the whole process effectively without even attending his office. All was done through email and his staff was also knowledgeable and friendly to deal with, better than banks in my opinion. Will recommend to others and would love to work with him again in future.

Tam N. and Gwenael P. 

Well. My real estate deal was beginning to crumble within the last week of closing. The stress was building. People weren't cooperating. My agents were disagreeing. But through it all David and Melanie were there when I needed an answer or explanation or an opinion. Dave was very organized which made things so clear and simple, in what seemed a very complicated process. And when conflict arose and the winds started blowing, Dave remained professional and personal, an impressive balance. Things were getting pretty bad at one point where I started doubting the people around me and was preparing for the worst. "This deal is going to fall apart and I am going to end up in court and lose a lot of money..." But Dave just kept pushing ahead no matter what obstacle presented itself. He always kept me well informed of my options and gave me a clear picture of what was happening. He didn't hide things, either good or bad. I was confident he had my best interests at the forefront throughout this experience. And Melanie was a cool gentle breeze on a hot sweaty day (which they were, I worked outside) always so kind and calm and ready to help. Thank you Dave for standing firm and allowing me to lean on you so heavily in "the perfect storm." You were more than a mortgage agent, I feel like we re companions after a long adventure. I'm kinda sad we won't be talking anymore lol. May God bless you and Melanie. Thank you (bows low in respect and gratitude).

Derek and Angelyn C.

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.

Dave Larock was very helpful. Even though we are not located in the Toronto area (Montreal), we received excellent service all by phone and email. I would recommend Dave to others who are looking to buy no matter where they are located in the country.

Michael E. and Madeline C.

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.

Dave provided a service unparalleled by mortgage brokers we have worked with in the past. If you are looking for exceptional service from someone who knows this business inside & out you will get that here. My wife & I did 2 mortgages at the same time and everything was wrapped up in 3 weeks time without any glitches. Everything that was promised was delivered with great low rates. Calls & e-mails were answered almost immediately. Once again Dave thank you so much for the professional service you provided to us. 

Edward N. and Rosa H.

David Larock was recommended to me by my agent at Realosophy. David was very prompt with his communications, and took the time to answer any questions I had about any and all parts of the process. I felt confident that the process of securing a mortgage was being well handled, and have no complaints. I did not have any doubts that David was acting in my best interests, and would happily recommend his service to family and friends. Thank you David.

Adam C. and Kadia P.

David was a pleasure to deal with in what was an otherwise difficult process. He was always responsive and willing to take the time to thoroughly answer questions. And when issues arose, he worked hard on our behalf.

Tim S. and Katie D.

Whatever your mortgage needs may be, there is no need to speak with anyone else. I highly recommend David Larock, you won't be sorry!

Gaby G.

I had a great experience working with Dave. His level of professionalism and knowledge much surpassed all of the mortgage brokers / bank representatives I spoke to during my selection process. Dave really took the time to understand my needs and my specific scenario and gave me the best advice. I would recommend him to everyone.

Nick K.

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.

Without Integrated Mortgage Planners and Dave Larock we may not have had our house. It's that simple. Not only were the mortgage terms very favorable and the service excellent, when we hit a hiccup along the road (namely us changing cities and taking a job that had us on probation for 3 months while we would have been closing). Dave was able to calmly advise us on our options and secure the mortgage on the original terms. We would not have got the same attention interacting directly with a lender. He was always available to take calls and responded to emails promptly. We cannot recommend IMP highly enough and we will certainly be going back when we need to.

Raj M. and Kate S.

When my partner and I started looking at homes, our real estate agent we went with recommended David and his team at IMP. We met with him for a consultation and we could see why he came recommended. David was polite, patient and answered all the questions we had (we had many). He was realistic and spelled out our options plainly. After we somehow managed to find our home and seal the deal, he didn't push us toward any one lender, he provided us with a few options to choose from that best suited us. Overall, a very good experience and would definitely use IMP again in the future. Thanks again!

James P. and Alex S.

Thank you David for your efficiency and for the ease of doing business with you and your team. You made the entire process a pleasant one and have always done the same each time we work with you! Always a pleasure.

Nelson M .and Tina R.

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.

David and team helped us at every step of mortgage application. They were patient in explaining information needed along with follow ups for additional information. David also helped us with bridge financing which eased our overall buying experience. David kept us informed of changes to our application as it progressed through various steps including drop in interest rates. David got us the best rate in the market and I totally recommend his services.

Kaanu J. and Conrad D.

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.

My wife and I were very happy with David, he handled all our questions professionally, he gave us the right advice and was always there when we needed him. We have already started recommending him to our friends. Thank you David.

Irfan T. and Zehnim J.