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Mortgage Poll

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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:

Five Observations About the Bank of Canada’s Latest Policy Statement

Monday Morning Interest Rate Update for June 14, 2021

The Bank of Canada didn’t make any major changes to its outlook last week, but its latest policy statement did contain a few noteworthy items.

Read Post: Five Observations About the Bank of Canada’s Latest Policy Statement

Read What Dave's Past Clients Said

David provided exceptional service when we had to renew our mortgage. He was knowledgeable and clearly outlined our best options to help us make a decision we are confident in. He responded quickly to our questions, was organised and problem solved all issues that arose immediately. He made what is often a stressful experience go smoothly.

Jenny and Christopher S.

David was a super friendly, efficient person that guided me through the purchase of my first home. He was knowledgeable, got me a good deal and made the process feel like a breeze. It was very painless even though I was signing my life away for a couple hundred thousand dollars of debt. Thanks David!

Lucy F.

David definitely simplified the process of renegotiating our mortgage. His analysis is clearly explained and the options are made very clear, objectively. We always felt that he understood our perspective and concerns and that he was providing a real value-added service to compared to anything we have ever experienced at a bank branch level.

Edward B. and Lisa N.

We were introduced to Mr. David Larock through a third party will little knowledge of his services. Our mortgage was not a typical straight forward mortgage to arrange. David stayed the course through the entire planning of mortgage including changes and ensured that we were kept informed of ongoing needs. Integrated Mortgage Planners provided a rate below the competitors.

We are very satisfied with the services of Mr. Larock and would not hesitate to recommend IMP to friends and associates. IMP has provided for the opportunity for both my wife and myself to open a flower shop and a legal services office that would not otherwise have been possible.

Larry and Robin H. (Commercial deal)

Our mortgage demands were complex. We were buying a house in canada while in Brazil. David skillfully managed our application, and made the process transparent for us, even given the distance. Many thanks David.

Graham W and Laurie D-W.

David and his team went above and beyond to answer our questions and concerns we had and made sure we understood everything in all the fine print, we will continue to use David's service on our next purchase.

Adam P and Kristen V.

We just completed our second renewal with David Larock and could not be happier with the service he provided. Dave quickly responds to requests for information and explains things clearly. We have recommended his services to others and will continue to do so in the future without hesitation.

Tanya and John N.

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.

Highly recommend working with Dave! He was very knowledgeable, patient with our questions- always delivering timely answers. He was exceptionally organized which was helpful to guide us through the process of our first mortgage.

Kerry and Donny M.  

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.

This was my third mortgage transaction with David Larock and the team at Integrated Mortgage Planners Inc. over the past 6 years. David has always ensured that my financial needs were top priority and has worked diligently to provide guidance in the mortgage negotiation process. I highly recommend David and his team to anyone looking for the best mortgage options at highly reputable lending institutions.

Susan M.

David Larock helped us through obtaining our first mortgage 5 years ago and we thought so highly of his abilities, we returned for our mortgage renewal this year. As new homeowners, we had so many questions all of which were very thoroughly answered by Dave. We felt reassured that we were supported every step of the way. We have recommended his services to our family and friends, and for anyone considering a knowledgeable and approachable mortgage expert, Dave is an excellent choice!

Gloria and Mark H.

David was a pleasure to work with. As a first time home buyer he not only answered but anticipated all questions I would have and very patiently walked me through everything. He made the entire process as easy and smooth as possible.

Stephen S.

Dave was very easy to work with, responsive and informative. As situations changed, he was always at the ready with a viable alternative course of action.

Bob M.

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.

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.

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.

This was my third mortgage, and first time working with David, and he was by far the most knowledgeable and trustworthy person that I've dealt with. I highly recommend to anyone. Just get on the phone with him for 10 minutes, and you'll know exactly what I'm talking about.

David P and Natalia V.

Amazing service! Dave did everything we hoped for, he kept my family stress free through it all and always updated us on everything! Thanks for the outstanding service!

Valentina M.

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. 

Dave was able to provide excellent client service and went over and beyond expectations in order to get us the very best rate. We would definitely recommend Dave to friends and family. Thanks Dave.

Kevin and Judy T.

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.

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.

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.

 I'm a repeat customer and will continue to be. Enough said. ''

George M.

What I wanted was a broker with the utmost integrity along with vast knowledge and Dave has these qualities in spades. My expectations were far exceeded and for as long as he is in business, he will be my go-to for mortgage related services and information.

Soomy and Navin K.

We used IMP for our first mortgage and recently our renewal. IMP contacts us every year to tell us how we are doing and if it is advantageous for us to make any changes. This proves to us that they care and that we are not just a number to them. We feel comfortable calling with any questions we may have (no matter how small) and never feel rushed; we truly believe IMP has our best interest in mind. We can't thank you enough for taking such good care of us and our home.

David N. and Jacki M.

David was super supportive and helpful from the beginning of our process when we approached him. He smoothed the road by clarifying every single complicated paragraph thru our documentation. His knowledge of the market and what all other parties offering was so helpful to enable us to choose our source. For any comparison, he always came up with options and we trusted him all the way thru. I definitely recommend him to anyone who needs a trustful source with a high knowledge of this business. I wish to add that his updates on his website and daily blog is extremely helpful to understand the language of this business.

Baharak R. and Amelie W.

Dave made getting our first mortgage easy and stress free. He was friendly, courteous, knowledgeable and ready and able to answer any questions that we had. I wouldn't think of using anyone else in the future to deal with my mortgage and I wouldn't hesitate to recommend Dave to anyone seeking a mortgage.

Nick and Ben C.

I contacted David regarding applying for financing for the purchase of a new property. My existing property had also been sold. My knowledge of my options were limited but David immediately advised me of the best route to take, completed the application, and successfully secured a Bridge Loan and Line of Credit, with good interest rates for the time necessary. I appreciated his expertise, prompt follow up and excellent worry free advice during an otherwise stressful time. I would highly recommend his services.

Jacqui W.