Why use an independent mortgage broker?
Approximately two thirds of mortgage borrowers settle for a mortgage with the bank that handles their day-to-day accounts.
Your bank can only offer you one type of products (theirs!) even if there may be better (and cheaper) alternatives elsewhere. It pays to shop around. This blog post highlights a Bank of Canada report that proves it.
An independent mortgage broker has access to a wide range of lenders including banks, credit unions and monoline lenders (who are like wholesalers for brokers).
The mortgage landscape is ever changing. An experienced mortgage broker will guide you through the increasingly complex qualification process and help you achieve big savings through the right combination of rate and features.
Using an independent mortgage broker costs you nothing because we are paid a finder’s fee by the lender who wins your business when the transaction is completed.
The following principles represent the commitment I make to each client I am given the opportunity to serve
I resolve that without exception I will:
- Ask questions and listen to my clients in order to fully understand their needs
- Create mortgage plans that complement my clients’ overall financial strategy and that allow them to most effectively accomplish their financial goals
- Be sensitive to the fears that many home buyers have about obtaining a mortgage loan and earn their confidence as a trusted advisor
- Respect my client’s time and minimize the amount of effort required of them by applying my knowledge, experience and resourcefulness
- Monitor my client’s mortgages on an ongoing basis and keep them informed via email updates and my Annual Mortgage Check-up
- Measure my success by my clients’ willingness to confidently recommend me and take full responsibility for my actions and be honest at all times.
Read what my clients have said about their experience
This is the 2nd mortgage that we have arranged with David. It's a good feeling to know that you're being represented by a true expert in the industry! David's blog is a great way to get up to speed on the latest in the world of Canadian mortgages. The annual email from David with the recommendation to renegotiate the mortgage or stand put also makes you feel like you're in good hands. I can't recommend David enough, I'd never use anyone else for my mortgage! Sacha B and Heather B.
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.
Dave & his team were the shining stars amongst all the service providers we used in our purchase of our first home. From our first conversation to closing day Dave & Melanie met us where we were, kept us abreast of what was going on, provided a ton of information and handholding as needed. I would recommend this team 10x over - even before we'd committed to working with Dave, he was exceedingly helpful in terms of equipping me with the information required to properly evaluate our options. I cannot recommend this team highly enough.
Rebecca B. and Jackson B.
Dave is an incredible mortgage broker. We really appreciated the time he was willing to spend answering all of our questions as first time buyers. It was nice to know we had someone to turn to that we trusted.
Brendan C. and Clare T.
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.
I have recommended Dave Larock to friends as he provides excellent service: knowledgeable about options; helpful in determining strategy; accuracy regarding steps and costs; quick response to questions and anticipates needs. Thank you.
We had a great experience with David. He explained everything clearly and logically, and we got a great rate with terms that suited our situation. He always responded promptly and adapted as needed. We would go to him again.
Laura D. and Patrick B.
David was extremely helpful! This was my first time buying a house and he took care of everything. I supplied him with the info and he provided more then expected. Highly recommend his services!!!
Andrea A. and Michael D.
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.
Dave and Melanie got us a great rate and a mortgage with the flexibility we really needed. They also addressed my multiple questions in a clear and concise manner simplifying what can otherwise be an intimidating process.
Chris J and Tanyss B.
It was a pleasure working with David Larock throughout the entire home buying and mortgage process. He was able to work with our unique individual situation to find a highly rated lender with a competitive interest rate and term. He was able to address all questions and concerns with ease which grew our confidence in his ability. Will definitely be recommending David in the future!
Jeremy W. and Jenny S.
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.
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.
It was such a pleasure working with Dave! He was responsive and attentive throughout the process and I always felt like I was in great hands. Dave took the time to explain all the options available to me and patiently answered the hundreds of questions I had! He was frequently in touch to update me on the progress of my application and made my first time home buying experience surprisingly painless. I would absolutely recommend Dave to anyone looking to buy a home.
This is the second time that we have dealt with Dave. Everything is first class and met all of our expectations. We had been overseas the past few years and Dave helped us out with great advice on some unexpected issues. The process was effortless for us and both Dave and his assistant, Melanie, stayed in constant contact with us throughout the process. When our house closed, Dave was actually the first person to let us know. We absolutely would recommend Dave and his team to anyone that needs a mortgage.
Bill and Julie C.
Well :-) This is my second time going with Dave. As usual he was very informative. And I felt he was more interested in my well-being than my money. Everything went smoothly. Communication was clear. Process of getting things done was straightforward and simple. Everything went very well. I appreciate Dave's knowledge and integrity and commitment. Thanks again Dave :-)
It was a pleasure working with Dave and having a trusted and seasoned broker on my side during uncertain times. David knowledge and advice was invaluable and allowed us to feel secure and confident about our borrowing options.
David was there every step of the way to ease our concerns and give us straightforward and practical advice, which allowed us to simply focus on finding our perfect home. We truly can't imagine working with another broker in the future.
Rob T. and Andrea K.
I've worked with Dave and his team over the last 10 years on a couple of different mortgage products and II don't look anywhere else at this point...he's my go to. He always evaluates my situation and ensures that I get the product that is just right for me.
Jonathan L and Ann K.
Dave's guidance and support was invaluable during our first mortgage application. He operated with integrity and professionalism, taking time to educate us on the mortgage process and how to find a mortgage that fit our needs. We used his online calculators and blog posts often, and Dave was always available to answer any question we had. We look forward to working with him again in the future!
Phil D. and Jenna H.
This is our second time using David. David was instrumental in setting us up with the most competitive mortgage refinance and home equity line of credit. He asked all the right questions to ensure we were set up for success. We have and will continue to recommend David to everyone we know. It has been a stress free endeavour.
Cameron S. and Amy B.
Our mortgage was up for renewal and we once again worked with David to lock in a new 5-year agreement. I trust David to give me the best advice to ensure our needs are met. Would highly recommend David to anyone who is looking to secure a mortgage at a great rate!
Alex L. and Juri H.
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.
David and Melanie are a great team that made the process of getting a mortgage as easy as it can be!
Jordan A. and Rachel W.
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.
After reading some of David’s blogs and learning about some of the fine print to be aware of when choosing a mortgage lender, we decided to reach out and see if David could assist us with finding a better rate on our mortgage. From our first contact we found David great to work with. He is very professional and personable, asks all the right questions to make sure he finds the right product to fit your needs and at a rate we didn’t even know was available. David kept up regular contact through the entire process including a call on the day of transfer/closing to make sure everything went well. We would not hesitate to recommend David to our friends and family or anyone else!
Mike and Dawn H.
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.
Dave is great to work with. He is always very quick to reply and provides great advise and market colour in order for you to make a well informed decision. Thanks again Dave!
Sean B. and Andrea W.
Dave was extremely knowledgeable and thorough in answering all our questions about our mortgage application and the process. His responsiveness and the extra time and care he took in explaining all the details and options we had available made us feel like he really cared about us beyond the deal. I would highly recommend his services to anyone who's looking for a reliable mortgage expert!
Allie D. and Brian B.
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.
Dave has been great at helping me get the best deal possible, and sorting out any complications along the way. His guidance was very helpful to me when dealing with the overwhelming first-time home buying experience!
We worked with Dave when we got our first mortgage, and have continued to work with him through a renewal and taking on an equity line of credit for renovations. We have so appreciated his knowledge and support along the way and recommend him highly!
Jacqueline A. and Jonathan S.
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.
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.
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 is very knowledgeable and diligent with his follow-ups. I would highly recommend IMP.
Thanks, Dave. You take care of it all so well!
Nichol and Adele R.
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.
This is our 5th transaction with Dave. He is very knowledgeable & patient. He got us a great rate as usual, and even called the day before closing with good news that the rate had dropped. Thank you Dave!
Autumn and Matt K.
I have recommended Dave to countless friends. Every single one has had the same experience I have: he is incredible. He is knowledgable, thoughtful, kind, patient and he has secured three mortgages for us now, with GREAT RATES.
Jess M. and Josh K.
David & Melanie, You both were saints working to assist my wife & I get financing on our first home with our quick 3 week closing time frame. This was combined with the industry switching to remote April 2020... I really don't know how you two did it. We are both extremely grateful for your solid advice & working around the clock to get us our dream home!
Brendan and Amanda C.
We learned more about mortgages in an hour talking to Dave than we did in the countless hours spent researching on the Internet. Dave and his team made our first home-buying experience a seamless one -- thank you very much.
Sam L. and Katelin W.
Dave helped me with my first mortgage renewal. Since this process was new to me, Dave took the time to explain the whole process, what to expect, and was able to answer all of my questions clearly. As part of the process, Dave also asked me key questions to help understand my future priorities. I was able to get a mortgage with a competitive rate and with terms that worked for me. I would be happy to recommend Dave to my friends and family.
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.
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.
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.
Dave is extremely knowledgeable and very reactive. Working with him to get my mortgage approved was easy and his advice really helped me find a perfect home that I could realistically afford. I absolutely recommend working with Dave to find the best mortgage rates!
Both Dave and Melanie were great to work with! Dave was very knowledgeable and exceeded expectations again as this is the second time using their services! And we would time and time again! Thank you guys!
Rachel W. and Justin D.
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.
Dave and his team were amazing to work with. Happy to answer all our questions with sensible, experienced information. Able to explain all the complex processes and information required. Proactive in getting us a well traded-off rate. Melanie was also great tying it all up with the many submissions. Thanks for all the help Dave, much appreciated!
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.
Dave was extremely helpful, knowledgeable, and responsive through the entire process - including fielding questions well in advance of our actual need for a mortgage. Through multiple interactions with Dave over a number of years he continues to impress. I would not hesitate recommending his services to anyone.
Tim B. and Stephanie O.
Great service and great products. We would use again and recommend to others.
Aaron and Lisa D.
Dave reached out proactively to let us know that we could save thousands of dollars by changing mortgage lenders. He made the process seamless, and we continue to be very happy with our experience with the Integrated Mortgage Planners Inc. team.
Alex S. and Stacey B.
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.
David Larock made the entire process so easy for us. We felt he was looking out for our best interest every step of the way and worked to find us the best arrangement possible. We would definitely recommend his services.
Patricia F. and Nick H.
Dave has supplied me with great advice and counseling for years -- he goes the extra mile and is always available and responsive. I am very happy with his service and will continue to work with him in the future.
Alastair and Susan M.
The resources and advice Dave gave to us on the website and throughout our mortgage application process were instrumental in building our understanding of the options, considerations, and ultimately helped us make a confident and informed decision about the type of mortgage we purchased.
Galen M. and Bernice T.
David and Melanie were so helpful in supporting us to navigate the wild world of obtaining our first mortgage. Thank you for being so clear about what we needed, guiding us through the steps, and for making the process of getting the mortgage relatively easy and painless.
Daniel B. and Tara J.
I want to thank Dave Larock and his team for helping me out through this process. My situation was unique and the process was difficult, but only because it would have been impossible in any other situation. Dave and his team helped me work through the problems in getting the right mortgage for our situation and were always available by phone or email. Very important aspect in this business as the last thing you need when purchasing a home is someone not answering your questions. Well done Everyone. Thanks so much.
Paul W. and Jennifer C.
We have worked with Dave on two mortgages now - one for our family home and one for a cottage. He brings a level of professionalism and financial knowledge to his work that far exceeds our expectations, and we feel that we have consistently received great value from him and through the mortgage products we’ve ultimately selected.
Robert B. and Amanda K.
We have used David twice now and found both experiences to be terrific. David is always available, always has options and answers and without a doubt is committed to providing a truly high level of service. Until next time! Owen
Owen R. and Jessica D.
David Larock and his assistant Melanie were amazing to work with. Dave took the time to explain the whole process and found us the best options. I would work with them again in a heart beat and recommend them to everyone.
David and Giselle M.
This is the second time I've used Dave for a my mortgage, ie: in this case a refinance with a lower borrowing rate due to favourable market changes. I work in the financial services industry and use him for my personal mortgage as he's a subject- matter-expert in this area. He creates solutions based your individual needs and locates deals which are more competitive than those if you were to negotiate directly with the Lenders yourself.
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.
Dealing with Dave is always seamless on his end, I appreciate his level of effort and attention to detail.
Albert B. and Shelley R.
Dave is a consummate mortgage professional. He understood our needs, found us a solution that fit the bill and skillfully navigated us through the process from start to finish. I'd highly recommend Dave and his team to anyone seeking to renew a mortgage or just looking for some sound advice.
Paul and Elizabeth 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!
We were first time home buyers and as such were a bit lost at times. Dave was a calm and helpful presence throughout the process. Mortgages are a complicated transaction but Dave and Integrated Mortgage planners made it a positive and relatively simple experience.
Kirby B. and Emma W.
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.
Dave is knowledgeable, passionate and thorough. The scope of service provided by IMP is truly remarkable. From the initial planning, viewing, offering and all the way until closing, Dave was there to help guide us to make the right financial decision. Beyond his guidance he was also able to secure a fantastic mortgage and rate - much better than we could have anticipated. We love using IMP as we learn so much from Dave! We have, and will continue to recommended him to many of our family and friends. Thank you!
Meagan B. and Matthew C.
Dave and Melanie went above and beyond to help us in the process of getting our mortgage. Dave is very knowledgeable and we learnt a lot with him and his posts. I will definitely recommend him. It is worth to get to know your different options and conditions so you can make an informed decision on your mortgage.
Manuel L. and Maria G.
David is an excellent mortgage broker: transparent, fair, insightful and efficient. Thank you and your team for the help.
Peter and Diana P.
Working with Dave was a great experience. He made the process simple and straight-forward, got us a great rate, and helped us feel a lot more confident about the whole process. I would definitely work with Dave again in the future!
Natasha D. and Leslie B.
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.
Dave Larock is a pleasure to work with and I would recommend him to anyone. He was incredibly responsive, very knowledgeable, and supportive through the whole process. As first time home buyers, we were initially overwhelmed with buying property but Dave took every step to ensure that we were comfortable financially and worked very hard to secure an attractive mortgage rate.
Alex M. and Kristina S.
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 helped make the process of re-negotiating our mortgage seamless and easy and we were very happy with the results. We would definitely recommend his services.
Nate F. and Joyce R.
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 were introduced to David and Integrated Mortgage Planners by our real estate agent, she highly recommended them to us for their excellent reviews and vast knowledge. Our experience working with David and Melanie was great, their communication was excellent and they made it very easy for us to understand the different options and terms for mortgages. They were able to find us the best rate compared to other banking institutions. We both felt very comfortable and were not pressured into making any quick decisions. I have already recommended them to some friends and would not hesitate to put in a good word.
Jamin and Tasnia I.
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’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.
As a first-time home buyer, I appreciated that David provided me with comprehensive information not just about the mortgage conditions but the general process throughout. His assistant Melanie was also very friendly and quick to respond!
David was amazing to work with. Being a first time home buyer, we were unsure of the entire process - but David took us through step by step and provided us with all the information which made us feel at ease and supported throughout. He definitely went above and beyond and we couldn't be happier!
Rehana M. and Hussein J.
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.
Fast, efficient service and we ended up with a great rate! Thanks David and team.
Dave was fantastic in answering all my questions and concerns and he provided a great depth of detail when asked.
We have known and used Dave and IMP for over 5 years and recommended him to several people. The information and advice he provides is excellent and his customer service is second to none. Highly recommend.
Ian B. and Cori M.
David was very good at explaining the process of obtaining a mortgage. He responded quickly when contacted and was always pleasant to deal with. David kept his eye on the rates and was able to obtain a lower rate than the original quote, which was greatly appreciated. I would definitely recommend David's services.
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.
This was the second time we have worked with Dave and in both cases he has been professional, knowledgeable, and accessible. I would recommend Dave to anyone who needs assistance with their mortgage!
Ryan and Wioleta S.
Dave and Melanie were a pleasure to deal with - knowledgeable, pro-active in providing information and updates, really prompt in responding to our queries and made sure that we got the best rate possible. Will be going back to IMP again in the future!
Carly and Avin B.
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 was very happy with the services provided by Dave and Melanie and I wouldn't hesitate to recommend their service to family and friends.
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.
I find David Larock's blog posts extremely informative, so his professional expertise helped me before I even contacted him. On our first phone call (and thereafter) he took plenty of time to explain everything I had questions about. And the mortgage rate he was able to offer was lower than even the credit unions'. Thank you, David, for helping me through a stressful process! I feel confident that I got the best deal available.
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.
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.
David and Melanie were excellent to work with. They made the process of applying for mortgage pre-approval and getting a mortgage in place after a purchase seamless. I would definitely recommend them to friends and family and will certainly return to them in future.
Jennifer and Julius G.
Dave was amazing! We had a fairly complex mortgage and he was proactive in thinking through questions that my husband and I would have even before we had them. He called me every couple of days to keep us in the loop with what was happening behind the scenes. He was fantastic to work with!
Janet and Tim S.
Amazing service. It was really quick and David knew exactly what he was talking about and most importantly delivered everything that he promised. This was my second time dealing with a broker and the experience from previous was night and day. David was polite, straight forward and didn’t waste any time. Also he submitted it to only one institution and not multiple- so credit didn’t get dinged.
Ash B. and Umee 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.
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.
We have just purchased our first home and David was instrumental in walking us through the process. He explained every step clearly and patiently and answered all of the questions we had. He accommodated a time after we finished work to meet us in person and we could not be happier with the level of professionalism, friendliness and knowledge he had.
Sean O and Karen G.
You made a painful process much more comfortable. Thank you.
Thank you for all of your help!
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.
If you are looking for someone to help you get a mortgage, or refinance, Dave is your guy. He's smart, he's determined, he explains everything clearly, and he stays close through the whole process. I had a rather unique and challenging situation, but Dave took it on with relish, and found me an amazing deal in very short order. I highly recommend Dave and team -- trust me, you will not be disappointed.
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.
David is great to work with. Very attentive to client needs, queries and follow-ups.
Thank you again for all your support we both have a stressful jobs so this was a relief that we could rely on you throughout this process!
Rachel W. and Justin D.
I have and will continue to recommend you to others. David is very knowledgeable so meeting him gave us all the information we needed. David and Melanie were very responsive, timely, and available for any questions we had along the way. The whole process was smooth thanks to your help and guidance. David and Melanie were also very nice to work with on a personal and professional level. Thank you so much for your help.
Tara C. and Huoi U.
We've used David's mortgage services for two properties over the last 5 years. We are very happy with David's attentiveness, prompt and detailed responses to our inquiries, along with the overall quality of service. Thank you!
Ken W. and Bike B.
David is amazing! I was referred to him by a close friend who told me David was the best in the business, David not only met my expectations he exceeded them! I was extremely impressed with David’s flexibility and the fact he was always reachable. My mortgage financing deadline was short so I found it very helpful that David remained on top of my file and was always in contact, if he missed my call he was quick to get back to me which was greatly appreciated and made me feel like a valued client. David was professional and knowledgeable throughout the whole process and even followed up with a call to see how my move went and if I’m happy with everything...nice touch! High recommend to family, friends, and all!
Dave answered all my questions and concerns promptly. He is very knowledgeable in his field.
David has an extensive knowledge in his field and has amazing tools to educate his clients by analyzing, providing details ,articles, references and conversations. He is resourceful and put a lot of effort to find a suitable package or solution to your case. He is going extra miles to work on your interest. We recommend his service by all means!
Baharak R. and Amelie W.
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.
Dave is a superb mortgage broker. He provided expert guidance on my purchase and was always remarkably responsive and provided amazing customer support. I would heartily recommend him to anyone looking for a mortgage.
Fantastic prompt and knowledgeable service - have dealt with other mortgage brokers but the service provided by David was way beyond our expectations.
Murtuza L and Catherine D.
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.
David and Melanie were fantastic to deal with, straightforward, honest and SO friendly! It didn’t bother them that I sent multiple emails full of questions (I did this quite frequently). As first time home buyers this process was brand new and at times stressful, David and Melanie were always there to clarify things and made us feel confident in the purchase of our new home. Highly recommended!!
Lindsay S. and Lucas B.
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.
David is wonderful. He was always very clear in explaining the pros and cons of the various available mortgage options. He was always prompt in responding to questions. He was professional and pleasant. I highly recommend David as a mortgage broker.
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.
Very helpful and enjoyed working with Dave. Got us a great rate and navigated some difficult issues with ease thanks.
Craig and Victoria G.
David and his team have been highly responsive and professional throughout our working relationship. I would gladly recommend their services.
Integrated Mortgage Planners, specifically Dave Larock and Melanie Haggarty, were so incredibly helpful in securing our mortgage. My wife and I are first time home buyers and very new to the world of real estate and mortgages. They really took their time to explain the process and make sure we had all the necessary documentation in place, they left nothing to chance. They even made sure to secure us the best deal on our mortgage at the lowest possible rate that is being offered on the market. Dave really takes the time to listen to what his clients want and provide advice that is in THEIR best interest. He goes out of his way to offer advice that will make home buying as affordable as possible for his clients. By the time our mortgage was finalized and we took possession of our house, we had no doubt in our mind that we made a good choice in working with Integrated Mortgage Planners.
Mike M and Catelyn G.
We had an unusual income situation that was well handled. Excellent service!
Clare P. and Stephen B.
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.
Absolutely recommended! We had no problems at all and we are extremely grateful for all the help.
Suzanne M. and Ahmed A.
I have worked with David Larock on several mortgage transactions, and he is always helpful and knowledgeable. He has ensured that the process is always smooth and efficient, and he has always been available to answer questions or discuss options whenever I have contacted him.
Dave made my first home purchase extremely smooth and rewarding. I truly can't thank him enough!
I can always trust Dave to provide great advice and superior service.
Dave is really knowledgeable and on top of things. He took the time to explain to us our options and what made the most sense for us.
Jenny L. and Sam C.
Dave was great to work with during the purchase of our first home. He is very knowledgeable and did a great job to walk us through the entire process.
Becky E. and Yanni S.
Dave Larock has been incredibly helpful. We've worked with him twice now, and we will absolutely reach out to Dave in the future if we needed a mortgage, and would absolutely recommend him to anyone we know.
Tyler and Simone M.
David was excellent to work with and made the entire process very smooth. We've purchased various properties and I would definitely come back to David. We had to purchase a rental property and it wasn't straight forward process. David assisted with all our questions and nothing was left uncovered.
Courtney H. and Joseph P.
Working with Dave was an absolute pleasure, our experience was top-notch and we knew we were in great hands. He gave us smart advice, got us a great rate, made our renewal so easy, I would recommend him to anyone.
Doug P and Natalie C.
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.
Dave Larock is a terrific broker - he is extremely knowledgable, dedicated, and patient, and he made the first-time home buying experience so positive for my partner and I. He made us feel confident and at ease the entire time, and was incredibly responsive throughout the process, consistently going above and beyond to find us a great rate and make sure we understood all our options. We would absolutely work with him again!
Dave was fantastic to deal with! Super knowledgeable and helpful - especially for myself, a first time home buyer, learning how to make the best mortgage decisions. I would highly recommend Dave to my friends and family and look forward to his continued great service for my existing mortgage. Thank you Dave!
You will not find a better rate. Anywhere. Our lawyer thought it was a typo.
Daniel & Brittany F.
I work in the financial services industry and what I appreciate about David Larock was his subject matter expertise acquired from working with the some of the major Lenders in the mortgage industry combined with his independent work experience. He differentiates himself from the competitors by providing a superior customized solution based on the client's unique requirements along with excellent customer service. I researched mortgage offerings from many other Lenders as well as obtaining an offering from a previous broker. I later contacted Dave and he was capable of constructing a more competitive mortgage than I was able to secure from the earlier providers.
I initially used Dave for a refinance in Toronto, but moved to BC and Dave helped me buy a home there. He is incredibly knowledgeable about the mortgage market, is always willing to give you honest advice, and helped me get a great rate.
Dave got us the best rate with the most confidence and the best service. Would recommend him to anyone.
Daniel S. and Leanne M.
Thank you for making this process run smoothly. Much appreciated!
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.
David is extremely knowledgeable in his field and he is able to explain the details to the ordinary person. He responded promptly to my phone calls. I felt confident in his handling my mortgage arrangements. It was a pleasure to work with him.
Freda and David P.
The service was outstanding and very quick responses overall. Would certainly recommend IMP to friends.
Curtis and Libby B.
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.
Thanks, Dave! I would recommend Mr. Larock as a mortgage broker.
Dave was knowledgable, competent and extremely efficient. He was able to help us secure a mortgage in a very short time; around 1 week. He took the time to answer any questions we had and responded promptly to any questions and concerns. Thanks Dave for your hard work!
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.
Very attentive, personal service and available on short notice.
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.
It is so nice to see customer service has not been forgotten about in every industry! David Larock and Integrated Mortgage Planners Inc. go above and beyond to exceed expectations. The customer service level is exceptional and other's could learn a lot on how to better their business by taking a page out of David Larock's book. Well done!
Dave was highly professional and extremely helpful in allowing us to secure a mortgage on our dream home. He is very experienced with any mortgage questions and knows lender guidelines and is happy to answer all of your questions. He is also very prompt at returning phone calls and emails. I would recommend and use his services in the future.
Camille P. and Peter G.
David and his team are professional, knowledgeable, and helpful. They answered all our questions and even anticipated our needs. Unlike some mortgage brokers, Dave works for the borrower and he brings more than just mortgage rates. He can speak with experience and knowledge of current conditions when answering questions. I would not hesitate to recommend Dave to anyone looking for a mortgage product.
Alina C. and Michael Z.
I wholeheartedly recommend Dave to our friends and family who are in need of a mortgage. His attention to our needs, ability to be reached quickly / easily, and professionalism was beyond impressive. Getting a mortgage is a stressful, complex, and layered experience, but Dave explains everything carefully and thoughtfully so we knew exactly what we were getting. What's more, I love bragging to my friends about the awesome rate that he got us. Buying our new home has lots of surprises and challenges: thankfully our mortgage wasn't one of them!
Celeste and Leslie K.
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.
Based on our experience, I would definitely 100% recommend Dave Larock. We are very satisfied.
Hyder Y and Umber H.
Dave was great. Always available and very fast. Explained everything. Blog articles very helpful too. Great for a first time mortgagee. Would use him again for sure. Oh yeah, and best rate out there.
Chris and Anne-Marie S.
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.
From day one Dave was a true professional answering all of my questions and laid out the options available to me. It was a pleasure dealing with him.
Jawed and Nasrien A.
As a first home buyer, I had no idea what was involved in buying a house and getting a mortgage, but Dave made the whole process so easy and smooth. He answered all our questions quickly, was always available to help, and really did all the work for us. He even managed to score us a last minute rate cut! Highly recommend!
Daniel G and Isabel K.
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 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.
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 is incredibly knowledgeable, provides honest advice, and competitive products. We have used his services multiple times and have also recommended him to a number of friends who have also appreciated his help. It will be well worth your time to reach out and get his advice.
Colin M. and Michelle T.
After going through 3 pre-approvals and feeling as if every advisor out there is trying to up sell us, we met Dave and felt that we were saved. In our first meeting, Dave spent 1.5 hrs with us just answering all our questions and, more importantly, asking us "why." We truly felt that he understood what we want and is working in our best interest. Dave's attention to detail throughout the mortgage process really made it a piece of cake. Overall, we are very satisfied working with Dave & already recommended him to 5 other friends. Don't miss out on an amazing advisor!
Shreya A. and Rahul 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.
As a first time home buyer I felt like I was in the right hands with Dave. The patience and confidence he provided was very much appreciated. He provided sound advice and we felt like he was looking out for our best interests. I would recommend him to friends.
Prashant G and Jyoti K
David provided us with expert advice and sound options throughout the purchase and financing process for our new home. It's a time in life when you need exactly that. Thank you David!
Norm and Linda C.
David Larock was extremely knowledgeable, patient and approachable. During what can be a stressful time, he was easily accessible to answer questions (even on weekends and evenings)to put our minds at ease and to help us understand our options.
Shawn and Anisa B.
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.
I have used David's services numerous times now and I'll do so again when it comes time to renew my mortgage. David consistently has provided me with the best financial package to suit my needs. He is polite, courteous and far more knowledgeable than I about the financial markets. I trust him completely to help me make good choices. Thanks David!
Jason M. and Heather D.
Dave Larock was fantastic to deal with. What a professional. Eden & I were very happy with his services.
Les K. and Eden P.
Working with Dave was pure gold. Easy, clear and effective communications and he secured me an unbelievable rate. Top marks all the way around. Highest recommendation. Thanks Dave!
Dave was great to work with. He kept us well informed every step of the way and was very quick to get back to us with every question or concern that we had. Everything was clear and we felt very comfortable and confident up until we closed the deal on our cottage.
Tomas R. and Erin C.
Dave was amazing to work with. He took away the stress of the mortgage application and was our guide through the first-time home buying process. We had a tight schedule and Dave made everything work quickly and efficiently.
Christian F. and Sheena G.
We were very happy with Dave's service. He was very good about educating us on suitable financing options including one that we didn't know about (and ultimately went with). When we had a hiccup with our appraisal, he was very good about making everything right so that we were happy. We would definitely recommend Dave as an excellent mortgage agent.
Jeremy and Amanda K.
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 Larock did a great job not only making the process very efficient but also in securing a fantastic rate and flexible overall credit plan that will serve me well in the future! He is a patient and persistent expert in the mortgage field. Thank you again.
We used David Larock for our mortgage and again when we re-financed 4 years later. Both times he was a pleasure to deal with and secured us an excellent rate. Excellent Service!
Jonathan H. and Amanda 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.
It was a real pleasure to deal with Dave, he was very professional and provided us with exceptional service! Dave went over and above to help us out with our refinancing. He was always very patient and always ready to answer any questions or concerns we had. I would definitely recommend Dave to anyone looking for a mortgage broker! I look forward to continuing to deal with Dave.
Maria R. and Piero L.
Dave came recommended to us by two friends who had worked with him in the past. We gave him a close-to-impossible task and a very challenging home equity financing project and he guided us through every step along the way. He not only got us a better rate but also with our preferred lendor.
Kevin M. and Heather D.
David had provided me with some mortgage options before the big banks had even returned my calls. As I was in the process of separating from my spouse, I distracted and stressed with other matters, but I always felt as though Dave had my application well under control. It was a relief to have one less thing to babysit!
Dave went above and beyond for us when we bought our first house. As first-time home buyers, everything was new to us, and we had a lot of questions. Dave was patient, courteous, and genuinely interested in making sure we got the best deal as possible. He even followed up with us to inform us of a rate drop that he had arranged on our behalf after the initial mortgage agreement was secured. Put simply, we never for a second doubted that Dave was looking out for our best interests. We would work with him again in a heartbeat and will happily recommend him to family and friends.
Jason and Catherine 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.
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.
David was always very respectful and I never felt rushed. He checked-in and made sure we were clear and understood the product. I appreciated his patience. He did not overwhelm with lots of jargon - he kept it real.
David was terrific in helping me with the process of buying my first home. He was very knowledgeable and patient in explaining the entire process to me. I would gladly recommend his services to anyone looking for a mortgage or just seeking advice.
David went above in beyond in helping us with our mortgage transaction. He took the time to understand our needs and provided with a variety of options that met our needs. We couldn't have been happier with the entire process! We would definitely recommend David and team, and I look forward to working with them again in the future.
Luke S. and Paula J.
Dave found us excellent rates and when an unanticipated / uncommon issue arouse with our closing, Dave was able to bring us numerous options to ensure a smooth close (and ultimately a great rate with our eventual lender).
Kevin M. and Natalie G.
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.
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.
We would work with Dave again and have already recommended him to a number of our friends. You wont find a better mortgage broker out there.
Brad S. Niky R.
This is our second mortgage experience with Dave Larock. The first was a renewal in 2013, and the most recent was for a new home in 2016. We're satisfied in every way with Dave's negotiations on our behalf and with the two lenders we've worked with through him. Thanks, Dave.
Erika V. and David R.
David Larock made the entire process of getting and understanding the terms of my mortgage very easy. It really felt like he was in my corner the entire time and was very responsive when it came to answering questions. As a first time home-buyer he really took a lot of the anxiety out of the process.
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!
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.
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 is very approachable and he took the time to answer all of my questions. The articles on his blog are also informative and they really helped me understand the pros and cons of different mortgage options. Not only did he find me an excellent mortgage rate, I became an educated consumer. I highly recommend David's service.
I'm a repeat customer and will continue to be. Enough said. ''
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.
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 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.
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.
As a first time homebuyer David was a dream to work with. He made the process of buying a home and working through the paperwork an absolutely pleasure.
David Larock provided absolutely fantastic service. His prompt reply and kind service made it easy for me to refer him to one of my employees for guidance. I added David to my linkedIn profile because I consider him as a valuable contact for all my future mortgage endeavours.
Dave was amazing, very responsive and very knowledgable. Dave inspired confidence and made the process so easy for me. Thank you so much!
Dave was an incredible asset to us in buying our first home! He explained everything in detail and offered up additional information and advice to help us understand and make the best decisions for our first home. He was always responsive, helpful and friendly. I would recommend Dave (and already have) to anyone looking for an excellent mortgage broker!
Naomi B. and Geoff V.
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.
Professionalism at it's finest !!! What more could one ask for? Once again, thank-you very much David.
My real estate agent recommended Dave for my mortgage needs. I didn't realize what a professional I was getting. Dave was very helpful and always had answers to my questions. He was proactive, even responding to questions while he was on a brief summer vacation. I highly recommend Dave.
Excellent service! David always responded quickly with clearly laid out instructions and information. He consistently made time to talk on the phone and was thorough in answering all questions. Thank you for making this process so easy!
Uros and Dina M.
Dave made the entire process amazingly accessible! We were first time buyers with a tight deadline and almost no knowledge on what the process entailed. Dave's friendly informative and quick approach was invaluable. Can't recommend him highly enough.
Alex I. and Cassandra G.
Dave Larock did a great job. Did what others could not do. Great to deal with.
Nathan M. and Julia G.
Working with Dave was an outstanding process. He is extremely knowledgeable and professional. On top of good customer service, he seemed to deliver an exceptionally competitive rate with the bank employee being surprised at how low our rate was. We were a small client but we did not feel that way. We would certainly be comfortable to and have recommended Dave to our friends and family.
James W. and Myrianne B.
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.
From our initial contact with David, we knew we did not have to shop around for other lenders. David was very prompt, professional, and most importantly very very patient. As a first time home buyer, we had many many questions and David took the time to answer them in layman's terms yet in detail. David went so far as to work on our application even while on vacation which we truly appreciated. We would rate David 11/10 and will be recommending him to family and friends. Thank you for everything David!
Saq & Natasha R.
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.
Working with Dave was by far the smoothest part of our home buying experience. A couple of exceptional circumstances on our end may have made securing a mortgage a bit difficult - Dave went out of his way to find a solution that worked and did so without any extra stress to us. He ensured we understood the process and no question went unanswered. His level of commitment to his customers is second to none and he gave every confidence that he would find the best solution for our needs. Dave is a real pleasure to work with - I would work with him again any day and highly recommend him for anyone with mortgage needs.
Vicki and Rachel F.
David was a pleasure to work with, always easy to get in touch with and happy to make time for us. He answered all of our questions, proving additional resources where needed. He worked quickly for our short time frame, got us a great mortgage, and left us feeling very confident about our decisions. We would highly recommend David and look forward to working with him in the future.
Martin and Johanna S.
Dave - I am very happy that I met you in person after reading one of your articles online. The discussion we had in person and the reading of your blog helped me tremendously in terms of equipping me with the key information on making that mortgage decision. My advice to somebody hunting for a mortgage would be to deal with somebody like Dave who is very knowledgeable, upfront, efficient and who can offer you meaningful options for you to choose from rather than your neighborhood bank's representative whose only option/agenda is to offer/push the one product they have. Thanks.
I'm very glad I used Dave as my mortgage agent. As a first-time home buyer, I had a lot of questions about mortgage rates and the financing process in general. I found Dave to be very knowledgeable and quick to respond to e-mails and calls, which made obtaining a mortgage the least stressful part of closing on the property. I would definitely recommend Integrated Mortgage Planners.
I was ready to purchase my first house and finance through my bank until a friend of mine recommended I talk to Dave to find out more information. The bank rep had very few answers to a lot of questions and seemed more like a sales representative than a mortgage specialist and left me worried about everything I was doing. Sitting down with Dave for 30 minutes, he cleared up every one of my worries, explained how the entire system and process works and was always there at my call to keep me informed. On the final days before closing, I got an e-mail saying he had found a better rate for me, and I locked it at the lowest rate I could ever think of finding. I really appreciate all the help I received from Dave and without question, will recommend him to everyone who needs a mortgage!
Drew B. and Jennifer C.
David: You proved yourself invaluable when an obstacle was thrown in to the process. Your knowledge, matter of fact approach and ability to adapt, I believe, was truly above and beyond what would be reasonable to consider good service. It is during the difficult moments that the exceptional show themselves and you have earned our trust unequivocally. Yours truly, Owen & Jessica.
Owen R. and Jessica D.
David Larock was a pleasure to deal with. He provided us with good advice and explained every detail to us very clearly. We honestly felt he had our best interests in mind.
Marco and Tanya M.
Happy with the advice and options provided, not to mention expediting the process to get it done on time.
Gord W. and Marianne L.
Excellent service and communication. Several of our friends have worked with David, and we were delighted by his level of service and straightforward recommendations.
Colin and Michelle C.
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.
I had not dealt with a mortgage broker in 7 years and had forgotten everything! I was grateful that Mr. David Larock was both knowledgeable and personable in helping me navigate the procedures and intricacies of the forms and regulations. AND I was encouraged to check out other sources for rates and payback options...but I had already found the best rate and the best options. Thank you!
Gabriele H. and Jonathan B.
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.
I've done two mortgages through David now. Always there when you need him. Would recommend him to all my family and friends. Use him.
Matt S. and Cheryl F.
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.
As first time home buyers, we greatly appreciated David's expertise and the time he took to go through all the details with us. He kept in touch with us throughout the process and got back to us quickly when we had questions. It was reassuring to us to know that we were working with someone who had our best interests in mind.
Mark K. and Eilis K.
Dave was both super knowledgeable and super responsive. He quickly and clearly answered any questions I had about the process, and felt confident that we were in good hands from the beginning of the process through closing. I'd happily recommend Dave's services to anyone.
Shane and Hilary B.
Dave is amazing to work with! He's extremely knowledgeable, very helpful, patient and always there whenever I had a question or concern no matter how big or small. Even if there were no updates, he still kept in touch. He's the kind of person you would want to walk you through the mortgage process. I would DEFINITELY recommend him to my friends an family. Thank you so much Dave! I appreciate everything you've done for me!
David was very professional and helpful during the whole process. It was a pleasure dealing with him.
I have used the services of David for two mortgages and recommended his expertise to family and friends. I have great confidence in his knowledge, expertise and, most important, ethics.
I had my pre approved mortgage with my bank and I just wanted to double check the terms with Dave Larock, and that happened to be the best choice. We discuss all the terms, he explained everything clearly and gave friendly advise wherever was needed. He kept us updated on a daily basis and we have finished all the process with the great feeling of saving several thousand dollars. If we ever go for another mortgage we know that Dave will be our man.
Jesus G. and Esther P.
It was a pleasure working with Dave on our mortgage approval. He was very quickly able to understand our needs and provide a number of options for us to work with. He was constantly in communication with us throughout the process and provided his expertise where we needed it. Thanks Dave!
Chris S. and Jennie B.
Dave Larock helped us obtain our mortgage for our first home. Dave was easy to communicate with and always responded in a timely manner. He is knowledgeable and provided us with all the information we needed to select the best mortgage product for us. Also, Dave has access to a large selection of mortgage providers, and was able to get us an excellent rate! We would definitely work with Dave again for future mortgages and highly recommend his services.
Travis P. and Jennifer N.
Dave was patient, knowledgeable, and responsive - the service we looked for in a broker.
Gary C. and Amy V.
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!
Dave was absolutely very informative, helpful, courteous and professional throughout the entire process of acquiring a mortgage. I highly recommend his services!
Dave was a pleasure to work with! Knowledgeable, friendly and customer focused. I would not hesitate to recommend Dave to family and friends.
Matt C. and Serina C.
From our first conversation a little over 3 years ago until today, David and his team have been amazing in answering all of our questions and offering best in class service. David and his team are friendly, well educated and took the time to treat us like family every step of the way and helped us get the best rate possible. The Integrated Mortgage Planners web blog and tools helped us with deciding and planning for a home purchase that was within our means, had us ready financially for the closing date, and kept us in the loop on any major changes coming up in the markets that might affect us. We will continue to use Integrated Mortgage Planners going forward and will continue to highly recommend them to anyone we know thinking about purchasing a home or wanting to get the maximum benefits from their existing mortgage.
Tony C. and Faye Y.
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.
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.
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!
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.
As a fellow mortgage agent I had the option of going through my own brokerage or letting Mr. Larock handle what I knew to be a relatively complex financing. Being familiar with his extensive background and relationship with lenders I opted for the latter. The mortgage was successfully funded, the customer service was second to none and the rate was the same preferential rate I would have received through my own brokerage. Thanks Dave.
Chris J. and Tanyss B.
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.
What is so great about working with David is that it genuinely feels like a partnership in which your needs are held in equal regard with the requirements of the mortgage provider. This means not only do you get a great deal. but you also get the product most applicable to your personal circumstances.
Nick and Stephanie Y.
Dave Larock provided exceptional service as a mortgage broker. I found his blog when I was researching different brokers. His educational background and years of experience really stood out to me. I appreciated his ability to provide comprehensive answers to my questions, including his analysis of the current economy. It was very helpful that his website allowed him to show me the numbers that backed up his answers. He was very reliable and always communicated clearly and promptly.
2nd time working with Dave...would never ever consider going anywhere else. Thanks again Dave!
Jon L. and Ann C.
Dave was a pleasure to work with and his knowledge and expertise saved us thousands of dollars on our mortgage transaction. Throughout the entire process Dave had our best interests in mind. He did regular follow-ups with us and when we weren’t sure whether to go fixed or variable, he provided an overview of the options and walked us through the pros and cons of each scenario. We are extremely happy with Integrated Mortgage Planners and we look forward to working with Dave in the future!
Richard C. and Wynsome W.
David was a pleasure to deal with, I look forward to using David again the next time my mortgage comes due. Thank you very much!
Wade and Lisa L.
It was an absolute pleasure working with David. He provided exceptionally clear explanations whenever we had any questions and followed up with us frequently with updates on the progress of obtaining our mortgage. My fiance and I would happily recommend him to anyone seeking a highly qualified mortgage broker.
Alex L. and Juri H.
It was a pleasure having David Larock represent me. He explained the mortgage details in a simplified and understandable way. He was quick to address situations that arose. When I had a concern he was quick to reply and insured I understood it completely before moving on. I would highly recommend David to other individuals and have done so already.
David was just excellent to deal with. Extremely knowledgable - a world of info, efficient, and always one step ahead. Not pushy, he was honest. Simply awesome to work with.
Dr. Demetrios S.
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 helped us navigate the complexities of setting up a new mortgage and was able to recommend options that helped maximize what we could reasonably borrow within our budget. He was very easy to work with and kept us informed throughout the whole application and closing process.
Monika and Adam H.
We were very happy to deal with David Larock for our mortgage needs. He worked very quickly to provide us with a mortgage pre-approval, and then found us a fantastic rate and made the whole process of getting a mortgage very pleasant.
Adele and Nichol R.
Dave is personable, thoughtful, and he sure knows his stuff. As first time homebuyers, we really appreciated Dave's advice— via email and phone for our specific questions, and more generally through his blog. He was quick to respond to any question or request we had, and kept us informed as we moved through the buying process. We'd definitely recommend homebuyers-to-be reach out to Dave.
Jonathan S. and Jacqueline A.
David was extremely helpful and always available to answer all our questions on a timely fashion. He thoroughly explained all aspects of our mortgage renewal and we will definitely refer him to our family and friends. Thank you David.
Nelson M. and Tina R.
David provided a wealth of knowledge to us as first-time home buyers, both over the phone and on his blog. He found us an amazing mortgage at a terrific rate!
Andrew R. and Miki A.
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.
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.
Dave Larock is a wealth of information when it comes to Mortgages. He was friendly and provided a very honest, reliable service that we were very impressed with. We have already recommended his name to our friends and will have no reservations at all regarding any of the services that he offers.
Vishnu P. and Sanjana S.
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.
David is a very informative and supportive mortgage broker who really knows his stuff and will find you the best mortgage for your needs.
David was tremendous to work with. We had a long history with the big banks and realized we were paying more then we needed to, and getting inferior service. David answered all of our questions, provided constant updates throughout the process and it seemed like every time we spoke prior to closing he was saving us more and more money. To be able to complete all of the lending process in the comfort of our own home compared to going into a bank was a refreshing change. We will definitely be using David again in the future.
Bill and Julie C.
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.
Working with David made getting a mortgage the easiest part of the whole house-buying process. He was amazingly helpful and responsive, and just a delight to work with. Even our lawyer was impressed by how efficiently he handled all our mortgage papers. The mortgage itself was also an excellent product that fit our needs. My brother sells mortgages for a big 5 bank, and he was very impressed with both the rates and terms we received.
Susan B. and Steve L.
David was very professional and advised us on how best to handle a unique mortgage renewal situation we had. In addition he got us a better than expected rate by going to a non-bank lender. We have already recommended David to a co-worker.
Mike and Joanne K.
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.
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!
David is a pleasure to work with!
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 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.
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.
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!
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.
Couldn't have been happier with the service. David explained everything to me step by step and I really appreciated all the help.
Elizabeth D and Stephen M.
Dave Larock was outstanding in his service. He met us on our schedule, and took the time to go through every detail of our mortgage with us. Being first time home owners, we had a lot of questions, and Dave was patient and understanding throughout the whole process. We shopped around for a mortgage broker, and found that Dave was able to find us a mortgage rate that was far lower than anyone else we spoke with. We had a short closing time (within a month). Dave was highly efficient in ensuring we would be able to get all the components together in a timely fashion. To top it off, he was an extremely pleasant and interesting person - we enjoyed our chats with him. We would recommend him in a heartbeat to any friend. Thanks for everything, Dave!
David B and Emily HB
I was a first time home buyer and David was always there to answer all my questions. He is an incredibly knowledgable and patient broker. Most importantly, he got us a great rate that the big banks couldn't even come close to matching. No matter what type of home you are looking for, David will help you make it happen.
David was wonderful to work with. This was our first mortgage so we had a lot of questions, David answered all of our questions quickly and thoroughly. I would definitely recommend working with him.
Dave was phenomenal! He educated us on many aspects of home buying and financing and made a stressful experience a lot more easy. Thank you!
Kaki N. and David B.
David Larock is an authority on mortgages. He demonstrated thorough knowledge of a complex industry and never over-promised. Would recommend and use again.
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.
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's extensive knowledge and years of experience, along with his personal relationships with lenders, underwriters and other professionals in the mortgage industry ensured that the lending process was easy and smooth and that any snags along the way were handled in the most efficient and convenient way.
Eugene R. and Patricia D.
David Larock was an absolute pleasure to work with. He was extremely informative and offered excellent advice. He was able to get us a very low rate and made the process very easy. I would highly recommend working with him in the future and will do so myself again. Thanks David!
Robbie G and Meredith T.
Knowledgeable, efficient and easy to communicate with. The process of buying my first home was made simple, and any problem along the way was handled in a professional manner.
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!
As a first-time home buyer, the whole ordeal can (and did) feel overwhelming and intimidating. Speaking with Dave Larock just opened my eyes and helped me understand everything I was getting into. I had previously spoken to another mortgage broker from another company who was also helpful but Dave's thorough walk-throughs with me, breaking down every step, procedure, definition, and questions for me allowed me to breath easier through this, let's face it, life-changing moment. He also helped me realize there are other options and better deals out there which he helped me find. Thank you so much for turning this naive first-time buyer into a confident home owner!
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.
As a first time home buyer, David was incredibly efficient and helpful with the process. He answered all of my (millions) of questions promptly and his professionalism exceeded my expectations. I would gladly recommend him to both family and friends.S
It was a pleasure to deal with your organization.
Dave was an excellent asset in navigating the crazy process of purchasing and financing a home in Toronto. We would recommend him anytime to our friends and family. Thanks Dave!
Devin and Jennifer K.
During the process of obtaining a new mortgage, David Larock was tireless in his pursuit of the best possible deal. Although there were a few unexpected obstacles along the way, Mr Larock maintained his drive, his sense of humour and worked extremely hard to get the deal done. I will recommend the services of Integrated Mortgage Planners to family and friends, and I am sincerely grateful for the effort made on my behalf.
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!
To anyone considering arranging a new or second mortgage, this is the company to choose. There are other who advertise the "best rates" on the radio, but those companies only provide the same or higher rates than Integrated Mortgage Planners. This company provides the best rates, walks you through the process, gets the mortgage commitment from the lender, and everything proceeds smoothly from there. If you want integrity, consistency, and no surprises, please do yourself a favor and contact David Larock at Integrated Mortgage Planners. My wife and I arranged a mortgage through David, and we and our lawyer were very happy with the result. You won't do much better than getting a mortgage through David.
George and Jacqueline C.
It was a pleasure dealing with Dave Larock for our mortgage. He was easy to get a hold of, was extremely organized and made the process seamless. Very professional and knowledgeable. We will definitely work with Dave again.
Caley M. and Marie-France L.
Dave's friendly, knowledgeable and prompt approach to customer service and mortgage planning make it easy for us to know we'd call him again in the future and recommend him to anyone looking for an excellent mortgage broker.
Ian B. and Cori. M.
Dave is very knowledgeable and kept us updated throughout the process. It was a pleasure working with him!
Avin and Carly B.
We worked with David on our first home purchase. As we had not previously had a mortgage we had many questions and David was very professional and diligent in answering all our questions and assisting us in getting the right mortgage for us. We look forward to working with David in the future.
Ryan and Violeta S.
David Larock recently assisted me in obtaining first mortgage financing for my home in Calgary. I was very pleased with David's high degree of professionalism, and I found him to be extremely accessible whenever I had questions.
David was prompt in his response to my many questions, and I feel went above and beyond what I expected - great service.
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.
Working with David was a pleasure. He was extremely well informed and worked diligently to find the best mortgage possible for me. He was also very thorough and patient in exploring all options on my behalf. As a real estate agent I have dealt with many mortgage professionals and I would not hesitate to use David again and I recommend him to my clients with confidence.
We highly recommend Dave Larock's services. As first-time buyers, we were not knowledgeable about the mortage industry; however, Dave provided clear and concise explanations that enabled us to make decisions with confidence. He was at all times professional, punctual and could be relied upon to deliver what he promised. We would certainly be willing to use his services in the future.
Becky G. and Penelope R.
We could not be more confident recommending Integrated Mortgage Planners to our friends and family. With great patience and customer service, we felt informed and confident in the mortgage application process. Integrated Mortgage Planners added great value and council, and acted in our best interests.
Neil and Lydia P.
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 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!
I can highly recommend David Larock and his team, having just renegotiated my mortgage through them. I'm extremely satisfied that I got the lowest rate possible, as well as good honest advice on how to best structure the payments. I had been reading David's blog for years before contacting him, and am very glad I did. It's a rare pleasure these days to deal with true professionals that really know their business.
Service was exceptional - very knowledgeable, always responsive and attentive, and provided quality guidance and alternatives to work through a number of complications during a very unique and long process. We have already recommended Dave to friends and will absolutely be back for any future mortgage needs.
Tim B and Stephanie O.
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 Larock was wonderful. He made complicated concepts easy for us to understand. His incredible knowledge of how the market works was invaluable as we navigated selling our condo and buying a house. I recommend him without reservation. We'll never go to anyone else.
Jenny C and Hugo L.
Dave provided exceptional service. He was knowledgeable, honest and straightforward to deal with. He was also quick to respond to any questions or concerns that I had and followed up regularly throughout the process. I would definitely recommend him.
David was very professional and diligent. Clearly explained what to expect and what are the advantages and disadvantages of different options. Was quick to act and courteous at all times. Thanks David!
Jacub R. and Anna S.
Both my wife and I appreciated the time David took to explain everything and patiently answer our many questions during our mortgage renewal. We only dealt with him on the phone, but he sure came across as knowledgable and honest. I would most definitely recommend his services to anyone renewing a mortgage.
Markus K. and Tanya B.
I wouldn't hesitate to contact David again for mortgage. He can get best rates in the market, and is so patient explaining all details in simple understandable way.
Elijus U. and Vaida U.
We were thrilled with the very high level of insight, knowledge and service offered by David Larock of Integrated Mortgage Planners. We will not hesitate to continue to use David Larock and even before our deal was done, we referred good friends and will continue doing so.
Daniel B. and Sarah F.
David was always there when we had an issue or a question and, somehow, he managed to make us feel like we were his only clients. We always appreciated how fast he was in responding to any of our concerns and I can't imagine a more efficient yet friendly relationship. We probably wouldn't have gotten our house without his precious assistance.
Sorin P. and Jennifer M.
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.
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.
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.
We have used David's services twice and both times he has exceeded our expectations. He's an absolute pro who is clearly passionate about what he does. David most recently helped us realize our dream of owning a cottage. David's high-touch service level and expertise can't be beat.
Autumn and Matt P.
By the end of our first meeting, I knew I was in the presence of a knowledgeable professional. David listened and was engaged in understanding my financial needs. He clearly communicated all the required details and "next steps" and I felt very supported throughout the entire process. I would recommend him to any of my friends or colleagues.
My wife and I got Dave's name from our realtor. We have dealt with mortgage brokers in the past and didn't find them very helpful. Our impression changed completely after one phone call with Dave. He was very knowledgeable, patient, attentive, and personable. Dave also gave us a strong sense that he really wanted to find us the best mortgage possible. When we ran into some difficulties closing on our house, Dave went above and beyond to ensure that we were successful. He provided us ongoing updates and clear/helpful advice throughout the process. We are also very pleased that Dave will continue to work with us in the future to ensure that we continue to have the most competitive mortgage possible. He is a valued member of our team!
Joseph and Jen K.
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.
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.
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 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.
As a first-time home buyer, the process of selecting the right mortgage appeared complex and quite scary. Integrated Mortgage Planners made us feel comfortable and knowledgeable about the whole process. Dealing with IMP was one of the best decisions we made regarding our mortgage selection.
Arnaud B. and Laura K.
Dave was exceptional to work with. He always got back to me quickly and was able to explain the entire process in a simple and straightforward manner. I felt like he really had my best interests in mind the entire time. Thanks!
David's confidence and knowledge in what he does is so evident, that even though we were a bit cautious about using a broker (especially since we never met in person and don't even reside in the same province), he managed to quickly gain our trust and provide us with a great service thus far. We are looking forward to working together again. Thank you, Gian and Ivana.
Gian F. and Ivana N.
David Larock at Integrated Mortgage Planners made our first home buying process very stress-free. He walked us through the process and got us an unbelievable rate with great terms. He was even able to accommodate our 2 week closing. We will happily recommend him to friends and family.
Jon H. & Amanda G.
This was my first time buying a house on my own. David was a fantastic resource, he patiently walked me through every step of the transaction making the learning curve easy to handle. He was positive and professional throughout.
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.
Dave made me feel confident that all the details of my mortgage would be handled competently and efficiently. He was on top of things and put all the pieces together for me so that I did not have to worry about anything! I was also confident I was getting good value in my mortgage rate. It's wonderful to feel safe and in good hands when it comes to your first mortgage! I recommend him very highly.
Dave did a great job walking us through the process. He ensured that we understood all of our options. He was very responsive and answered all of our questions. He took much of the stress out of a stressful situation!
Debra and Jeff B.
I have high regards for David. We had a complicated mortgage, and a complicated process to get it done. David was quick to respond to problems, gave us a lot of confidence in the process, and was easy to communicate. We hope to work together again in the future.
Peter and David D.
The service level I received was above excellent. David was exceptionally friendly and knowledgeable. We ended up getting 2 mortgages (my daughters) and a line of credit. In an era of average at best customer service David should be giving lessons as the entire experience from start to finish was outstanding. We will be recomending David to friends and family.
David was very helpful throughout the process educating us with useful documentation via his blogs, conversations over the phone and providing right direction and advise when needed. He really made the entire process smooth and kept us posted on the progress and next steps. THANKS A LOT for your services David.
Anand P. and Shruti S.
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.
Dave is friendly and is always available to answer questions and give advice. Not only will he help you find the best product available for your situation, he will always keep and eye out for you, and let you know if conditions change and there is a better deal to be had. I will definitely recommend him to friends and family in the future.
Dave Larock provided us with expert advice and outstanding service. We have already recommended him to friends, and will continue to do so.
Klaas and Mary Beth K.
We worked closely with Dave at Integrated Mortgage Planners over many months to achieve the lowest rate and best mortgage product catered to our needs. Dave removed the 'worry' from our mortgage planning by consistently providing options from the entire mortgage market, not just one branch's 'special' offers.
Andrew B. and Karen M.
Dave Larock helped make the purchase of my home a stress-free event. He ensured that every aspect was completed in a thorough and efficient manner, allowing me to feel confident throughout the process. I have already recommended him to others and will continue to do so.
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.
Dave Larock was conscientious and dedicated. I could always count on him and that he will deliver more than I had expected. His patience with the bank bureaucracy is legendary. I have already made some recommendation and will continue to do so.
Michael and Victoria W.
I would not hesitate to recommend Dave to anyone looking for the best mortgage rate and terms available. He was extremely courteous, well-informed and always available to answer all my questions. His blog is also a valuable resource, as it covers a broad range of topics in detail. I look forward to working with Dave in the future. Thank you Dave!
Our mortgage application process involved some complex issues and unforeseen developments. David Larock was thorough, professional and understanding throughout. We wouldn't hesitate to recommend him.
Lesile B. and Geoff B.
I would strongly recommend the services of Dave Larock and Integrated Mortgage Planners without hesitation. They were able to effectively deal with a very complicated financial situation and create attractive and workable mortgage and financing options on an expeditious basis. We felt extremely comfortable in Dave's hands throughout the financing process and the final result certainly illustrated how valuable Dave's services had been.
Sean K. and Michelle D.
Dave provided fantastic and thorough advice and helped with all the logistics. He answered all my questions and definitely exceeded my expectations. i would definitely recommend Dave for anyone who needs either mortgage advice or a mortgage or both, and also recommend his very pertinent and articulate weekly column.
Dave is an excellent service provider, he is knowlegeable, humble and always available to answer queries. I was not sure if I should go for fixed or variable rate, Dave has helped me to pick one suitable for my circumstances. Dave website, blogs provides wealth of information very useful for first time home buyer. I will refer Dave to my friends, relatives and associates looking for mortgage.
Ashish and Disha J.
My experience with Integrated Mortgage Planners and David Larock was exceptional. I was given sound advice and led through the process with ease. Staff were very friendly and courteous and David answered my many questions. I also found articles on his website very informative. I highly recommend his services and continue to tell family and friends about my awesome experience.
I have worked with Dave twice and his level of service is impeccable. He is knowledgeable, responsive, and has always worked diligently to resolve any issues or questions as quickly as possible. And he gets the best rates! I will continue to work with Dave in future and recommend his services to any of my contacts.
Karin L. and Jozef V.
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.
Highly recommended!!! David is the best! He walked us through all the scenarios and made us feel very comfortable. He was professional and courteous. I would recommend him for any type of mortgage counseling and acquisition. Without a doubt, he made our ‘house dream’ come true.
Iain and Merav C.
David was exceptionally knowledgeable about my options for a mortgage. He was quick to communicate and update me on the status of my renewal. All the conditions were clearly explained and when the lender put on an unexpected charge, David was to his word and paid for it himself.
Stephen and Tammy G.
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.
In making one of the biggest decisions of our lives, finding David was definitely a blessing! It was crystal clear to us that he was working on our side to get us the best deal. We’re 100% sure that although he already have a blog post to answer all the questions you might ask, he will take the time to explain and give you advice on all you want to know!
Moises and Gabriela S.
We received truly exceptional service from Dave and Integrated Mortgage Planners. Our situation was slightly unusual and he held our hands through the entire process and was always available to discuss any matter, however small, and whatever the time of day. Dave was also happy to answer hundreds of questions about the process itself - sometimes twice!
Without any prompting from us he ensured that our pre-approved rate was the best it could be and if he saw something better, he often re-negotiated for us long before the existing rate expired. In fact, we got a call the day our deal closed to say that he'd re-negotiated that morning and saved us yet another .1%.
The service was excellent, his knowledge invaluable and the whole process a total pleasure.
Sarah N. and Stuart L.
Dave's service as outstanding and we will for sure ask for his services in any mortgage related transaction. He has the experience of having worked in large banks and at the same time he provides you with a very personalized service. After we obtained our mortgage, we were informed by our lawyer that we needed bridge financing. This was one week before the closing. We told dave what was going on and he took charge of the situation immediately. In other words, we knew he was going to have this solved and in fact he did. That is great service to us. Thank you Dave for all your assistance.
Veronica P. and John C.
We have contacted several mortgage brokers before Dave, and Dave is the only one that would listen "carefully" our questions and be able to "clearly" explain all the details. He always responds to my questions quickly. I never have to wait for an answer. He is fast at handling applications, and I never need to worry about the progress. We are very happy to recommend Dave to anyone who needs reliable mortgage advice and excellent services.
Li-Jen C. and Lannie F.
Dave's knowledge and passion in the mortgage business is exemplary. He was patient in understanding our needs and customizing a solution to meet our needs. I have no hesitation in recommending Dave to my family and friends.
Varun and Jessy B.
David was very competent and helpful. The whole experience was worry-free and sweat-free for me. I was definitely in good hands and I would definitely recommend him to my family and friends.
I have been a real estate agent for almost 10 years now and over that period of time I have come into contact with countless mortgage brokers, none of which match the knowledge and service level of David Larock! I have already recommended him to all of my clients and family members who have been extremely satisfied. I recently used David to arrange my own mortgage and wouldn't think of using anyone else.
To put it simply, he's the best.
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.
My wife and I were blissfully happy with the service we received from Integrated Mortgage Planners. David was courteous, knowledgeable, patient and incredibly helpful to us as we navigated this new world (first time homebuyers). He is honest, authentic and personable. We'll use him again, and we recommend that you do too!
Nadim K. and Victoria I.
From A-Z, Dave was prompt, professional and knowledgable. He went above and beyond to ensure I was kept up to date with every aspect of the process from my application to my approval. He answered all of my questions along the way and his dedication to ensuring a high level of customer service made the entire process stress free and easy. I would definitely recommend Dave to everyone.
David made it very clear from his actions that he was working on my behalf. He is persistent, patient and innovative. Good guy to have in your corner.
Dave Larock was amazing. He walked me through every step of the way, answering all of my questions... big and very small. I felt very confident that I had made all of the right decisions at the end of it and even learned a few things along the way. I wish I had know about IMP the first time I had to get a mortgage... I would have saved myself a fortune! I will definitely come back to Dave for my next mortgage. I have already passed his name to friends and will continue to do so.
Andrea C. and Graham H.
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.
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.
As first-time purchasers, we had a lot of questions and concerns leading up to the purchase of our home. From the first call with David, we were made to feel very welcome and at no time did we feel like a bother with our barrage of questions. David always replied promptly and with the answers we were looking for and would follow-up with phone calls if needed. He has a passion for mortgages and economic matters, evidenced by the informative articles and weekly updates on his blog. We have no hesitation in recommending him to anyone looking for a mortgage - for a good rate and strategic advice.
Raj B. and Megan M.
I really appreciate all the information provided by David which helped me make a confident decision for my new mortgage. Not only did I get a great price, I understand the process much better now. I liked that I was able to communicate with David either by phone or email. I was often very pleasantly surprised to get very fast responses to my questions even after regular business hours. During the whole process I always felt David was giving me the best advise for me and I never felt pressured. Thanks so much for taking such good care of me!
Buying your first home can be a scary process. IMP had the answers to all of our questions. I wouldn't hesitate to recommend them to anyone.
Matt L. and Suzanne K.
We are extremely pleased with the customer service Dave provided to us! When he says he'll give you the same service he would give his mom, he means it!! You honestly don't find this type of customer service too often these days and having it while making the biggest investment of our lives so far was refreshing!
As first time home buyers we didn't understand the process and had a lot of questions, but Dave always took the time to answer all of our questions and ensure we understood. We really appreciate your hard work in securing our mortgage and would most definitely recommend you to friends and family!
I will be recommending Dave to any of my friends that are looking for mortgage broker. He exceeded our expectations, and he'll do the same for you too. Use him!
Best in class. Mr. Larock combines a strong financial and economic background with a keen eye for detail. Client for life.
I found IMP's service very helpful in providing a good cross section of the products available to me at my time of request as well as the tailoring of these product options for my needs was accomplished quickly and precisely.
The follow up was prompt and the deal closed when and how it was expected to.
All in all an excellent service experience from start to finish.
David is not only extremely knowledgeable about the Canadian mortgage and financial industry, he is also very passionate about it. I found David to be an incredible resource, he was open and honest and clearly explained my mortgage options. I cannot recommend David's services highly enough. I have saved money, many headaches, and gained a deeper understanding of what mortgage options are available to me - much more than I ever received from previous mortgages with one of the big five banks.
Michael and Kate V.
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.
All questions were answered promptly and clearly. It was a pleasure partnering with you for our mortgage.
Sylvia N. and Edward K.
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.
David Larock is very knowledgeable about the mortgage world. We appreciated his professionalism and prompt, can-do nature!
Priyanka and Indrayudh G.
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.
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 the ultimate combination of focused professionalism & inspiring responsiveness. I only wish his work ethic was embedded to this standard in more businesses.
Stephen D. and Kelly H.
David made this very big decision in my life smooth and easy. Explaining everything along the way, to ensure I knew exactly what I was getting myself into. Thanks again David, I am all moved in to my first condo and I am very happy!!!!
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)
As a first time home buyer and new to the world of mortgages, Dave was so knowledgeable, approachable and easily reachable during my pre-approval process. I had a million questions, but no questions were ever stupid and he really held my hand throughout the whole learning process...I was certainly not one of his million dollar mortgage clients, but I sure felt like one considering the amount of time he spent on my application.
His mortgage update newsletters are highly informative and useful as well. In fact, his blog/newsletter is what made me feel good about going with him because his ability to forecast and/or give recommendations didn't seem to be based so much on sales tactics but on sound economic principles/knowledge and on significant real estate/mortgage industry knowledge.
I have already recommended David to my friends and I'm a client for life now!
I would absolutely recommend David to family and friends. His advice was top-notch, especially when it came to a rental property. He's the mortgage professional I wanted in my corner when making decisions about one of the biggest purchases of my life.
David was exceptional. It is such a pleasure working with a true professional. He walked through the options, discussed my objectives and then sought out the ideal bank for my specific needs.
This service cost me nothing and it will save our family thousands of dollars over the course of the mortgage. I was not aware of the alternatives he proposed so he was able to bring to the table several very creative options.
I even discussed these findings with my primary bank, one of the big 5, and they could not come close to the rates (they conceded their employee rates for the mortgage was even higher than what David was able to source.)
Bravo! Great job David.
Eric and Barbara 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.
"David was an incredible support and point of reference throughout this whole process. With our less-than-traditional situation, which potentially could've been an impossible one, he made it happen as promised. On the other hand, he never gave us false hope or halved information. We always felt that we were fully informed and well cared for.
Michelle and Giuliana D.
“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!”
“It was a pleasure working with Dave. From our first conversation, he was extremely helpful, diligent in ensuring I fully understood all my options, and worked with me to get the best rate etc. that suited my needs. Excellent at keeping in touch throughout the process and ensuring I was comfortable with each piece of the decision making.
I would highly recommend Dave and Integrated Mortgage Planners to family and friends. In addition to his friendly disposition and knowledge of the industry, he certainly made the process seamless and effortless on my end.
“I had a totally positive experience with David Larock and Integrated Mortgage Planners and I’m saving money to boot!”
“There were a couple of timing issues that had to be flagged as the details of the deal were worked out, but the service overall was very good. I have already recommended David’s services to others.”
“Integrated Mortgage Planners helped our family quickly and efficiently select a new mortgage, navigate through the process and get the paperwork finished so we could proceed to enjoying our home. David Larock was exceptionally attentive, and gave us a level of service we could not have expected directly from a bank or large mortgage company. David was especially helpful when it came to explaining the complex terminology associated with the mortgage... we really appreciated his personal attention and expertise.”
“This was the first time that I was involved in negotiating a mortgage on my own, and I felt that Dave Larock was patient and understanding of my needs. I feel confident that the advice that was provided to me was the best possible and that with Dave's help I was able to secure a favourable mortgage rate with terms that work best for my needs.”
“As a first-time home buyer, I had an awful lot of questions which Dave answered with extensive knowledge and reassurance! The process was seamless and it was extremely comforting to know that Dave had my best interests in mind at all times. “
“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.
“We thought that the service provided by David was great.”
Randall and Kathryn S.