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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:

Will the Bank of Canada Raise Again This Week?

Monday Morning Interest Rate Update for January 23, 2023

Most forecasters expect the Bank of Canada to hike its policy rate by another 0.25% when it meets this Wednesday. Here is my take.

Read Post: Will the Bank of Canada Raise Again This Week?

Read What Dave's Past Clients Said

Working with Dave is always a breeze. I always suggest that friends call him if they're looking to buy a house or refinance. This past transaction was my third with Dave, and I wouldn't work with anyone else at this point.

Ryan M.

Very attentive, personal service and available on short notice.

Tim F.

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.

Dave made the process relatively painless especially as we were dealing over long distances with time differences. He made himself available and worked with our busy schedule.

Allison M. and Robert G.

Dealing with Dave is always seamless on his end, I appreciate his level of effort and attention to detail.

Albert B. and Shelley R.

“David, you were incredibly knowledgeable, thorough, and responded to all of my calls and questions quickly and clearly (even on the weekend!)

I really feel like you went above and beyond, helping me get comfortable with the complexities of buying my first house.  You even took a leading role in coaching me through my legal issues (remember, my first lawyer wasn’t allowed to work with the bank!), to make sure there was no delay in obtaining financing. You made me consider becoming a Mortgage Broker myself!”

Stefan M.

I have no doubt that Dave helped me get the best mortgage out there. I had less than a week to get everything together, and Dave was helpful, responsive and worked with both me and the lender to ensure all the bases were covered. I would definitely recommend Dave to friends and family and will be in touch again when my mortgage comes up for renewal. Thanks again!

Nicole K.

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 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. 

Dave did a fantastic job with our mortgage and home equity line of credit. He got us a great rate, explained the options well and delivered in a condensed timeline. I would definitely use his services again in the future.

Brad and Amanda J.

Mr. Larock was able to deliver every thing he promised and more. His knowledge was excellent, he was an expert of his field, make us very comfortable all the way, his guidance gave us the peace of mind that any buyer hope to have. I can't express my thankful for David enough. So if any looking for a trustful, efficient and honest planner, in addition if you are looking for best rate in the market, don't hesitate to contact David and live our experience to believe . Thanks David

Yousef E. and Rudiana B.

David and his team provided exceptional service as we tried to navigate the many options for renewing our home and cottage mortgage. David's insights allowed us to secure a great rate and made the process from first inquiry to final close very easy.

Daniel P. and Melissa B.

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.

We are so thankful that we found Dave and Melanie to assist us with our house purchase. The house search has been a long process for us and Dave was available to answer all our questions right from the very beginning. We spoke to a few mortgage brokers/bank reps during our search but we found Dave to be the most patient, available, approachable and trustworthy. He provided us with different options, his recommendations and pros/cons of each, not to mention the lowest rates available. We truly felt that he cared about us as clients, not just as another number on a piece of paper. We've already recommended him to friends and family and will continue to do so!

Matt and Janice A.

David was our advocate every step of the way negotiating with a difficult and sometimes unreasonable lender. In the end, he helped us get an amazing rate and a seamless closing of our new house. Thank you so much.

Sanders P. and Karen C.

David was very helpful and efficient in arranging the financing I needed in a timely manner. He even kept in touch by email on his vacation. I would definitely consult him about any future mortgage needs and recommend him to friends looking for a mortgage.

Marnie T.

David is great to work with. Very attentive to client needs, queries and follow-ups.

Grant C.

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

Dave is both knowledgeable and straight forward, which is a combination I appreciate. Thank you and your team for an efficient, transparent and hassle-free service. This is the second time I am using you, which speaks for itself.

Bruce and Alison F.

Buying a home and signing up for a mortgage can be life-altering. You have to do your own research and educate yourself as much as you can, but you might still miss something. Therefore, I recommend allying yourself with a professional mortgage broker who has made mortgages and lending their career and who thinks of nothing else all day. Dave Larock is brilliant. He thought of strategies that I never would have on my own, and made the whole process extremely easy. He kept me informed and updated, explained everything patiently and thoughtfully. I'll definitely recommend him to my friends and family.

Raeid I. and Safiya K.

Dave was great to work with when I needed to renew my mortgage on a tight timeline. He simplified the whole process, which made it easy for me to trust him to handle my case. I will certainly use his services again in the future and recommend him to others. Thanks Dave!

Rhonda F.

David Larock went well above my expectations. His knowledge level and customer service well surpasses any bank I have ever used in the past. I will recommend his services and look forward to renewing with him in the future.

Andrew J. and Sarah A. 

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.

The service was outstanding and very quick responses overall. Would certainly recommend IMP to friends.

Curtis and Libby B.

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. 

“We thought that the service provided by David was great.”

Randall and Kathryn S.

We’ve worked with Dave twice now, and would never even consider going back to doing it on our own or with a different broker. Honest, straightforward, expert-knowledge, and a pleasure to work with.

Sean M. and Renee C.

Dave did a fantastic job guiding us through the mortgage application process for the purchase of our first home. He was very prompt in all communications and always had the answers to our questions. We will definitely call him back when our term is up for renewal!

Joshua and Alicia C. 

I have and will continue to recommend Integrated Mortgage Planners to my family and friends. Dave and his staff were extremely helpful during the application process, keeping me informed with each step and ensuring the the required documentation was secured. They were able to assist me in finding a mortgage that was best suited for my needs and at a better rate than I would have been able to obtain on my own.

Jodi L.

As a first time homebuyer, it was important for me to work with a mortgage broker that was a good communicator and well experienced. Dave is exactly that. He's also got great energy and enthusiasm for his field, which made the process less daunting. Right from the start, he broke it all down for me, without any jargon, laying out everything I'd need and should expect. If I ever had questions, I'd just shoot him an e-mail, and he'd get back to me inside of 10 minutes. His attitude and professionalism made the process very straightforward and I never felt stressed. I highly recommend Dave and will be happy to work with him again. 

Nadia B.